vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: WI

Complaint narrative:
Im keeping this brief because, so far, it seems my detailed explanations havent been properly understood or addressed. Im choosing not to attach all the letters and documents again, as past submissions have only led to confusion and have not addressed the actual issue. I want to keep the focus on resolving the core problem this time.

Ive contacted Equifax multiple times about the incorrect name on my credit report. They say theres a process, but they never tell me which company is reporting this fraudulent name.

Since contacting Equifax multiple times about the incorrect name on my credit report the dispute packets, they mail me are inconsistent the envelope has one name, and the forms inside have another. Nothing matches in your system.

Ive submitted my drivers license, Social Security card, and a utility bill three separate times, sent by certified mail, and yet I keep being told to submit the same documents again. Ive complied fully and repeatedly, but nothing is being resolved and no one can tell me which company is even reporting this fraudulent name.

If you look at the government issued documents, they clearly read : XXXX XXXX How is it my name was changed to another name so easily but can't even be corrected by following protocol?? 

I need a real answer and a real resolution. Not another form letter. 

IS IT POSSIBLE THERES A CROSS-REFERENCE OR MIX-UP BETWEEN MY FILE AND SOMEONE ELSES?? THAT WOULD EXPLAIN WHY DIFFERENT NAMES KEEP APPEARING AND WHY YOUR SYSTEM DOESNT SEEM TO ALIGN WITH THE DOCUMENTS IVE REPEATEDLY SUBMITTED. I STRONGLY URGE YOU TO REVIEW FOR ANY INTERNAL FILE MISMATCH OR MERGED PROFILE ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against both TransUnion and XXXX XXXX XXXX in relation to an alleged debt reported under the partial account number XXXX XXXX XXXX 

Issues : XXXX. Failure to Provide Legal Disclosures : Both TransUnion and XXXX XXXX XXXX failed to provide the proper consumer disclosures as required under federal law. As a consumer, I am entitled to full and transparent disclosure of any debt being reported or collected under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have not received these disclosures. 
XXXX. No Proof of Authority to Collect : XXXX XXXX XXXX has not provided any documentation or evidence showing they have the legal authority to collect on this alleged debt. I am requesting the full chain of title/ownership, including : The original creditor Any assignments or transfers of ownership Legal documentation granting XXXX XXXX XXXX the right to collect XXXX. No Right to Dispute Notice Provided : I was never provided my right to dispute the debt within 30 days of initial contact, as mandated under 15 U.S. Code 1692g ( a ). This right is essential and required by law. 
XXXX. Refusal to Acknowledge My Complaints : Despite my attempts to contact XXXX XXXX XXXX to dispute and request validation, they have refused to acknowledge or respond to my complaints. This ongoing negligence and noncompliance are unacceptable. 
XXXX. TransUnions Complicity in Unverified Reporting : TransUnion is reporting this account without ensuring it is accurate or properly validated. This violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

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 2025-06-18 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: AL

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued reporting of inaccurate and unverified negative items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued reporting of inaccurate and unverified negative items on my credit report.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This complaint is not a mistake. My credit report contains false and inaccurate information that is not fully verified or correct. These errors are causing unnecessary stress and negatively affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct and negative impacts to both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me these unauthorized inquiries would be removed. Despite that assurance, they remain on my report. 
These potentially fraudulent and unauthorized inquiries are extremely concerning and have caused significant anxiety, as they strongly suggest possible identity theft. This ongoing issue is imposing undue stress on me and further damaging my financial standing.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I HAVE SEVERAL INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE. THOSE INQUIRIES DO NOT BELONG TO ME. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX  ( Finance ) 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 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

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 2025-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CA

Complaint narrative:
COMPANY NAME : Central Research Inc My student loans were transferred to a new servicer without any prior notice. I continued making payments to the original servicer as usual, not knowing my accounts had moved. The new servicer reported me 30 days late on multiple loans, dropping my credit score by nearly XXXX points overnight. This delinquency is not my fault I was never given an opportunity to set up payments with the new servicer. PLUS, before it was transferred I never had to pay those payments, it was being paid by that loan itself. 

I request that the CFPB help remove these late payments from my credit reports and ensure the servicer corrects this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against both TransUnion and XXXX XXXX XXXX in relation to an alleged debt reported under the partial account number XXXXXXXX XXXX XXXX 

Issues : XXXX. Failure to Provide Legal Disclosures : Both TransUnion and XXXX XXXX XXXX failed to provide the proper consumer disclosures as required under federal law. As a consumer, I am entitled to full and transparent disclosure of any debt being reported or collected under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have not received these disclosures.

2. No Proof of Authority to Collect : XXXX XXXX XXXX has not provided any documentation or evidence showing they have the legal authority to collect on this alleged debt. I am requesting the full chain of title/ownership, including : The original creditor Any assignments or transfers of ownership Legal documentation granting XXXX XXXX XXXX the right to collect 3. No Right to Dispute Notice Provided : I was never provided my right to dispute the debt within 30 days of initial contact, as mandated under 15 U.S. Code 1692g ( a ). This right is essential and required by law.

4. Refusal to Acknowledge My Complaints : Despite my attempts to contact XXXX XXXX XXXX to dispute and request validation, they have refused to acknowledge or respond to my complaints. This ongoing negligence and noncompliance are unacceptable. 
XXXX. XXXX Complicity in Unverified Reporting : TransUnion is reporting this account without ensuring it is accurate or properly validated. This violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc.
State: CO

Complaint narrative:
I am disputing the accuracy and fairness of a 60-day late payment reported by BRIGIT. This account is closed and shows as having a delinquency as of XX/XX/year>. However, I was not properly notified or given an opportunity to resolve this payment prior to it being reported late. I also believe this reporting is either inaccurate, lacks context ( automated withdrawal issues, system error, etc. ), or disproportionately punitive given the short-term nature of the account. 

This single late payment is significantly damaging my credit profile, and I believe it is unfairly affecting my creditworthiness. Ive since maintained a clean record and am requesting that this mark be removed or adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH. XXXX Re : Request for Debt Validation Account # XXXX To Whom It May Concern : I am writing in response to a [ letter/phone call ] received on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I am requesting the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, XXXX XXXX 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 2025-06-18 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-18 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Research Inc
State: OH

Complaint narrative:
Inaccurate and unauthorized information for XXXX XXXX XXXX accounts input on all three of my credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
I responded to a small claims complaint ( have a previous open complaint on this matter : XXXX ) and the reply sent to from their " attorney '' is full of misrepresentation : first and foremost : the filing attorney " XXXX XXXX XXXX XXXX XXXX and XXXX of XXXXXXXX XXXX  appears XXXX be practicing with a suspended registration status in the jurisdiction in which she claims to be an attorney ( see photos below ). 
In addition, a woman named XXXX XXXX who " signed the affidavit '' legitimizing the debt seems to have died after a long battle with XXXX XXXX and XXXX in XXXX. 
I have no idea why someone out of Utah notarized these documents, but can not wait to present them to a judge if this ends up in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I have identified accounts on my credit report that are the result of fraudulent activity. I had no involvement in their creation and request their removal as required under 15 U.S. Code 1681g. This correction should be made within 15 days. Evidence is attached.

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 2025-06-18 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: FL

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent has caused Significant harm to my credit standing. I am determined to take the necessary steps to clear my name and protect my identity and restore my financial well being. I kindly request that you please remove these fraudulent accounts from my report as they due not properly reflect my financial history or responsibility. i appreciate any support and assistance in overcoming this unfortunate experience.

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 2025-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Credit card is XXXX XXXX card provided through AMEX. 
XXXX XXXX account always kept a XXXX balance ; AMEX claimed {$170.00} balance on a {$52.00} purchase ; XXXX account checked - No purchases on the dates claimed by AMEX [ XXXX, XXXX ] ; Unrequested card sent XX/XX/year>XXXX  ; Emails on the charges 3 on XX/XX/XXXX, XXXX on XX/XX/XXXX ; person to person contact XX/XX/XXXX ( PDF of chat available ) ; Card " canceled '' [ quotes because the card was never requested in the first place ] on XX/XX/XXXX; XXXX informed and XXXX account canceled XX/XX/XXXX. Note that {$52.00} was paid to AMEX on XX/XX/XXXX to end harrassment. AMEX continues to harrass and will not confirm my cancelling of the card. I still do not know what the {$52.00} was for as they [ AMEX ] refuse to give an invoice and I could find no record of any such charge on/in my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
The following accounts have appeared on my credit report without my knowledge or approval. I consider them fraudulent and demand their immediate removal pursuant to 15 U.S. Code 1681g. Kindly act within 15 days. Proof is included for your review.

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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery is collecting on a debt and still reporting it on my credit report as delinquent when this account should be removed from my credit report as it is passed that statue of limitations. I have tried getting this matter resolved with the company, but all they choose to do is remove, but then re add it back to my credit report like it's a brand new account when it's been the exact same account for more than 8 years ago. 
This account needs to be deleted FROM ALL CREDIT REPORTING AGENCIES IMMEDIATELY AS THE STATUE OF LIMITATIONS HAS BEEN PASSED FOR MORE THAN 8 YEARS NOW ON THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
There is a discrepancy on my report involving a hard inquiry I did not authorize. I request its immediate removal to maintain the integrity of my credit profile.

Company response to consumer: Closed with explanation