vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
I am requesting removal of the XXXX  student loan from XXXX XXXX University. I briefly enrolled in XXXX  and only began the initial entrance course designed to introduce students to the online format. I did not complete the course and officially withdrew before the withdrawal deadline. Since I did not receive any academic credit or benefit, I believe I should not be held responsible for the loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 non-monetary relief
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This account does not belong to me. It is related to a gas utility bill that was transferred into my ex-wifes name during our separation. Due to a system error at XXXX XXXX at that time, the balance was wrongly assigned to me. 

My ex-wife already paid the full amount from her own bank account. In fact, she was charged twice once automatically and once manually just to end the confusion. I have proof of both transactions. 

She also sent three separate written requests to XXXX XXXX asking to remove my name from the account. They acknowledged the issue, but instead of properly fixing it, they forwarded it to Transworld Systems Inc., who then wrongly added it as a collection account under my name. 

This is not my debt, and this report is a violation of the Fair Credit Reporting Act ( FCRA ). I submitted a dispute on XX/XX/year>, and over 15 days have now passed with no resolution or correction. The account still appears on my report, damaging my reputation. 

Whats worse this has impacted more than just my credit file. 
I have never in my life missed a single payment not on credit cards, utilities, rent, loans ever. I have always maintained an excellent credit history. 
Now, because of this false report, my XXXX score dropped significantly, which has completely blocked my ability to operate my business in real estate. I rely on access to credit to invest in and manage properties. This mistake has already caused financial harm and will continue to do so if not fixed. 

I am demanding the immediate and permanent removal of this account from my credit report.I reserve the right to escalate this matter to the Federal Trade Commission ( FTC ), my states Attorney General, and consider civil action under Section 616 and 617 of the FCRA for willful and negligent noncompliance.

If this item is not removed immediately, I will pursue all available legal remedies, including statutory and actual damages, and will file formal complaints with every applicable regulatory agency. This is your final opportunity to resolve this without further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax XXXX XXXX which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
Hello I am writting this letter because a fraudulent collection was added to my consumer report that had been previously removed. I am not liable for this account with XXXX XXXX XXXX XXXX or XXXX XXXX. Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX XXXX company has also NO permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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.
State: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another student loan account opened at XXXX XXXX on XX/XX/XXXX under the same account number XXXX, and a third student loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-03 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report XXXX inaccurate and unvalidated XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX XXXX violation XXXX the Fair Credit Reporting Act ( FCRA ). I have disputed these accounts multiple times with Equifax, yet they continue to mark them as verified without conducting proper investigations or providing documentation. I directly contacted each original creditor to request full debt validation, and none have been able to comply. XXXX stated XXXX no longer own the account and directed me to XXXX XXXX XXXX XXXX who confirmed in writing that I have no obligation with the account. I also contacted XXXX  XXXX XXXX through the CFPB and via direct email to XXXX XXXX, Resolution XXXX at XXXX XXXX XXXX, giving them over XXXX  days to respond, and they failed to provide any documentation on multiple occasions. XXXX has never provided complete payment history or debt validation as required by law ; this account, although paid in full, has continued to negatively impact my credit score for over XXXX years and XXXX months. XXXX has already deleted the XXXX account from its records. Despite submitting all supporting documentation with my disputes, Equifax continues to report these accounts as verified without proper investigation. I am also a victim as described in the case where the CFPB ordered Equifax to pay {$15.00} XXXX for failing to adequately investigate consumer disputes. I am attaching my Social Security number, drivers license, and all related evidence with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
What Happened I discovered a collection account on my XXXX  credit report ( also appearing on other bureaus ) for {$920.00} listed under Central Portfolio Control ( XXXX  ) as the original creditor. This negative entry severely damaged my credit and nearly derailed my home mortgage application. Upon investigation, I realized this account is actually for a medical bill from XXXX XXXX a hospital visit that was initially billed at under {$500.00} but it has been misrepresented as a generic financial debt by listing the collection agency ( XXXX ) as the creditor. In other words, a medical debt was incorrectly reported on my credit report to appear as an ordinary collection, allowing it to remain on my record when it should not have been there under current rules. 

This tactic appears to be a deliberate attempt to subvert new federal protections on medical debt credit reporting. The CFPB recently finalized a rule ( effective early XXXX  ) to ban the inclusion of medical bills on credit reports and prevent debt collectors from using the credit reporting system to coerce people to pay bills they dont owe. Even before this rule, the three major credit bureaus voluntarily removed certain medical debts, including any collections under {$500.00}, from credit reports. By falsely reclassifying my hospital bill as something other than a medical debt, XXXX kept it on my report in clear violation of the spirit and intent of these policies. 

I disputed the item with XXXX  ( and the other agencies ). Still, because of the mislabeling, the bureaus did not recognize it as a medical bill and thus incorrectly verified it as a valid debt. This is precisely the kind of abusive practice the new CFPB rule was designed to stop as CFPB Director Rohit Chopra noted, the rule will close a special carveout that has allowed debt collectors to abuse the credit reporting system to coerce people into paying medical bills they may not even owe. In my case, a potentially inaccurate medical bill ( which was supposedly under {$500.00} but ballooned to {$920.00} without a clear explanation ) was used to weaponize my credit report, pressuring me to pay a debt I do not believe I owe, or risk losing out on a home loan. 

In summary, what happened is that a medical bill was unfairly transformed into a regular collection account on my credit profile a deceptive maneuver that caused significant financial harm and undermines the protections recently enacted for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
This was deleted off my credit file due to identity theft and it was placed back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This was deleted off my credit file due to identity theft and it was placed back on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
XX/XX/year> Dispute not resolved and I sent information and documents that shows not my accounts. I've asked for validation and chain of custody for debts and still have not received

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 2025-07-03 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief