vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for inaccurate and misleading reporting of a collection account from XXXX ( Account ending in XXXX XXXXXXXX ). Despite the account being charged-off and inactive since XX/XX/XXXX, Equifax continues to report a Late 120 Days payment status as of XX/XX/XXXX with a derogatory status, a balance of {$270.00}, and past due amount of {$270.00}. This is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ). 

The payment history misleadingly shows OK status through XX/XX/XXXX, then suddenly flips to 120 Days Late months after the last reported activity, which occurred in XX/XX/XXXX. There is no evidence of any new billing or communication after that date. Furthermore, the account is incorrectly classified as Open and Collection simultaneously, which is contradictory per Metro 2 standards. No proof of debt or updated validation was provided after my dispute.

Equifax failed to correct these errors despite formal reinvestigation requests, violating FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), and damaging my creditworthiness by falsely suggesting ongoing delinquency on an inactive account. I request urgent review and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
Greetings, I hope this message finds you well. 

I have been a borrower with Heartland XXXX  for approximately XXXX  years, as they service my student loans from the XXXX  XXXX XXXX. Over the years, I have encountered repeated difficulties when attempting to apply for general forbearance. Despite numerous efforts, I am often given inconsistent information or unclear guidance. 

Most recently, I received a letter from Heartland XXXX  indicating that my account was 45 days past due and that the delinquency would be reported to the credit bureau if not resolved. This was extremely concerning, especially considering that I had spoken with a representative from the XXXX  XXXX XXXX XXXX XXXX just XXXX weeks prior, who confirmed that my forbearance would remain in effect until the end of XXXX. 

When I contacted Heartland XXXX  last week regarding the past-due notice, I was informed that my forbearance had actually ended on XX/XX/XXXX. I explained that I had been told my repayment would not begin until XX/XX/XXXX. The representative advised me to re-submit the forbearance application, which I promptly did, and acknowledged that I had only XXXX months of eligibility remaining, something I was already aware of. 

However, today I received another notice from Heartland XXXX  stating : " Per the lender, The XXXX XXXX XXXX, you are required to pay the past due interest from your previous forbearance before we can post another forbearance to your account. '' This contradicts what Ive been told directly by the XXXX  XXXX XXXX. Their representatives have made it clear that Heartland XXXX is not authorized to impose this requirement. This ongoing miscommunication is incredibly frustrating and concerning, especially when Im trying to manage financial hardship through legitimate channels like forbearance. 

In the past, there have also been issues where Heartland XXXX  incorrectly reported delinquencies to the credit bureau, which negatively impacted my credit score by XXXX points. I am very concerned about this happening again, and I am doing my part to stay in compliance and communicate proactively. 

I respectfully request that someone review my account and provide clarity on this matter. I would greatly appreciate it if this situation could be resolved without further penalty or credit impact, particularly given the confusion that has arisen from conflicting information between Heartland XXXX and the XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX Original Creditor : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute an inaccurate and unverified charge-off account reported by XXXX XXXX , currently listed on my Equifax and TransUnion credit reports. Despite multiple formal disputes submitted under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ), neither bureau has provided me with sufficient documentation or evidence verifying the accuracy of this account. 

The FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation and provide the results to the consumer within 30 days. In this case, both Equifax and TransUnion have failed to provide verification documentation as required by 1681i ( a ) ( 6 ) ( B ) ( iii ), and instead continue to report this charge-off as verified without any substantiating data. 

Further, XXXX, another major credit reporting agency, has since deleted this XXXX account from my credit report following their own reviewdemonstrating that the account could not be validated. This inconsistency across credit bureaus proves a failure to maintain accurate, consistent, and complete reporting as mandated under 1681e ( b ). 

I request that the CFPB intervene and urge both Equifax and TransUnion to either provide complete, lawful validation of this XXXX account or remove the account entirely, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing several inaccurate, unverifiable, and possibly obsolete entries on my credit report. These include charge-offs, collections, and derogatory statuses I do not recognize or that have been inaccurately reported. 
I submitted written disputes directly to the credit bureaus and included my identification, utility bill, and highlighted reports. Despite that, the items remain on my report without proper validation or correction. 
These entries are negatively affecting my credit standing, and the bureaus are not complying with the Fair Credit Reporting Act ( FCRA ) regarding reinvestigation and removal of unverifiable data. 
I am requesting the Consumer Financial Protection Bureau assist in ensuring these inaccurate items are fully investigated and removed if they can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian Verified Charge-Offs and Public Record Without Disclosing Method of Verification ( FCRA 611 Violation ) Complaint Description to Paste into CFPB Form : I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681b by failing to provide the method of verification after verifying disputed items on my credit report. 

I previously disputed the following items, and Experian responded that they were verified. However, I was not provided the legally required details of the verification process, such as : The name of the party contacted The method of communication The documentation used to verify the item The disputed items are : XXXX XXXX ( Credit Card ) - Opened : XX/XX/XXXX - Status : Closed, {$190.00} written off ( Charge-off as of XXXX XXXX ) - Experian marked this item as previously disputed XXXX XXXX XXXX  ( Auto Loan ) - Opened : XX/XX/XXXX - Status : Charged off, {$28000.00} past due as of XX/XX/XXXX - Experian marked this item as previously disputed XXXX XXXX XXXX  ( Public Record ) - Filed : XX/XX/XXXX - Dismissed : XX/XX/XXXX - Experian responded to my dispute in XX/XX/XXXX, saying this item remained unchanged - Still scheduled to remain on record until XX/XX/XXXX I have never received an explanation or documentation of how Experian verified any of these accounts or the bankruptcy record. Under FCRA 611, I am entitled to know exactly how these items were verified. 

I am requesting that the CFPB investigate Experian for : Failing to provide the legally required method of verification Failing to remove or correct items that could not be properly verified Continuing to report derogatory information that lacks sufficient evidence I respectfully request full removal of any unverifiable or inaccurate information, and copies of any documentation or verification details Experian relied on. These accounts and public records are negatively affecting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I received a letter back in probably XXXX stating that all my medical debt was forgiven. The medical debt that I have is from having an XXXX  after being misdiagnosed with a XXXX XXXX that I didn't have. Now they're telling me that the bill didn't pass but I got a letter telling me it was. I ended up throwing it away because I didn't think I would need it. So, I requested the accounts be removed from my credit report and they're refusing to remove the accounts. This debt has ruined my credit for many years. I can not afford to pay it and pay all my monthly expenses. Its withholding me from purchasing a home. I would have never needed the XXXX if I wasn't misdiagnosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to make certain that everything is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation