vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX  I experienced a severe financial hardship after losing my job. During that period I fell behind on my Apple Card payments. I am now on XXXX XXXX orders serving in the XXXX XXXX XXXX and have since paid the account in full and brought it back into good standing. 

I contacted Goldman Sachs support multiple times requesting a goodwill adjustment for the late payments. I explained my situation and provided documentation, but the bank refused to review or consider goodwill removal despite the account being paid, current, and my demonstrated improvement in credit behavior. 

The late marks from XXXX  do not reflect my current repayment history, military service, or financial recovery. I am requesting a review because this negative history is preventing me from accessing fair credit and housing opportunities despite the debt being fully resolved. 

I believe these lates should be removed as a courtesy/goodwill based on : Documented financial hardship in XXXX  Full repayment of the account XXXX XXXX  XXXX XXXX XXXX status Significant improvement in credit management Prior attempts to resolve directly with Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter

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 2025-11-18 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: NC

Complaint narrative:
Request the following inquiries be removed due to no permission given and I do not recognize them. I previously requested them removed. 

XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2025-11-18 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: AZ

Complaint narrative:
FCRA Section 605C Consumer Submission XXXX XXXX  Request to Block Adverse Information Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX RE : Section 605C XXXX  Block Request To : whom it may concern, I am a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking : Financial Creditor : XXXX, XXXX Date Reported : XX/XX/XXXX Current Status : CHARGE OFF Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : CLOSE, PAID Creditor : XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Current Status : COLLECTIONS Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : COLLECTIONS ACCT - Creditor : XXXX XXXX  | ACCT Date Reported : XX/XX/XXXX Current Status : ACCT CHARGE OFF - Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
FCRA Section 605C Consumer Submission XXXX XXXX  Request to Block Adverse Information Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX RE : Section 605C XXXX  Block Request To : whom it may concern, I am a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking : Financial Creditor : XXXX, XXXX Date Reported : XX/XX/XXXX Current Status : CHARGE OFF Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : CLOSE, PAID Creditor : XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Current Status : COLLECTIONS Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : COLLECTIONS ACCT - Creditor : XXXX XXXX  | ACCT Date Reported : XX/XX/XXXX Current Status : ACCT CHARGE OFF - Creditor : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Current Status : CHARGE OFF

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 2025-11-18 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 2025-11-18 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management is reporting a collection account on my Equifax credit report with inconsistent and inaccurate information that violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Despite prior disputes, the information remains uncorrected. 

The account details on my XXXX  report show : Account Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Balance : {$760.00} Status : Closed / Collection Account Narrative Code : XXXX ( Consumer disputes this account information ) Details of the Violation Inaccurate Date Reporting The Date of First Delinquency ( XX/XX/XXXX ) predates the date the account was opened ( XX/XX/XXXX ). This suggests XXXX is reporting a delinquency before the account even existed under their ownership, which is factually impossible and a violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ). 

Failure to Properly Validate and Verify I previously disputed this account, and Equifax marked it as Consumer disputes this account information. However, neither XXXX nor Equifax provided proof of a valid assignment, bill of sale, or account-level documentation to verify ownership or accuracy of the reported data violating FCRA 611 ( a ) and 623 ( b ).

Incorrect Charge-Off and Balance Reporting The report shows both a charge-off amount and an outstanding balance of {$760.00} simultaneously, which is misleading and not an accurate representation of account status, violating FCRA 607 ( b ) ( maximum possible accuracy ).

Re-aging and Improper Reporting Period The date of first delinquency ( XX/XX/XXXX ) should start the XXXX reporting period. Therefore, this account should automatically fall off my credit report by XX/XX/XXXX. Any attempt to extend or re-age this date would be a violation of FCRA 605 ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate or unverifiable information. Below are the details for the accounts I am disputing : XXXX. Charged Off Disputed The following charged-off accounts are inaccurately reported : XXXX XXXX, Acct # : XXXX, Date Open : XXXX, Balance : {$0.00} This account needs to be verified or removed if it can not be properly documented. 

XXXX. Inquiries Disputed The following inquiry was made without my consent and should be removed : XXXX XXXX  XXXX, Date Open : XXXX This inquiry was made without authorization and should be removed from my credit report. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed The following late payment is inaccurately reported : XXXX XXXX XXXX, Acct # : 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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXXXXXX they didn't update my graduation date until I called because I was hr and found out it said I didn't graduate in XXXX is not fair I applied all this time And would not get accepted because I looked like a liar 13 years with XXXX XXXX but information was never updated until XXXX. How many times I got rejected because technically I was not graduated because the information was never updated I found outt because I was part of hr XXXX in a company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) in regard to the accounts listed below. These accounts are inaccurate, incomplete, and misreported in my credit report by the respective credit bureaus. The following are the details of the accounts in dispute, categorized by bureau : Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-11-18 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief