vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
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 m
y 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 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX, MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX, MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
I recently reviewed my credit report, and I noticed some fraudulent third-party collections accounts that I didnt authorize.These are hurting my credit

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 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I switched over to the assurance wireless program tmobile has with XXXX  on XX/XX/year>. I spoke with XXXX rep XXXX XXXX who helped me get my phone switched over from XXXX to assurance wireless. I had specifically asked the question when I switch over, is there anything else that I have to do to close out my account and will I be billed for it? XXXX told me Nope, that is all you have to do, once you activate your assurance wireless account, your XXXX account will be closed and you dont have to do anything else nothing to pay a month later, I kept getting calls telling me I owe XXXX money and it was getting sent to collections company ( XXXX  XXXX XXXX which I didnt understand due to XXXX assuring me I wouldnt be billed for that month. So I called up XXXX again and spoke with XXXX who spoke with his management at XXXX on XX/XX/XXXX at XXXX XXXX  told me that he will put in for that balance to be removed and that it WILL be removed due to XXXX employee XXXX XXXX XXXX XXXX telling me I wouldnt owe anything once I switched over. For 3 months I didnt get any calls or texts so I thought it was all fixed. XX/XX/year>. I received a letter in the mail which it wasnt sent until the XXXX yet wasnt received until the XXXX and I have proof ) I was informed by a family member which you guys sent to an address that wasnt even my current address that I got a letter threatening if I did not pay the amount owed ( {$95.00} ) within 10 days, then it was going to collections and going to affect my credit score. Letter has that it was sent the XXXX yet I have proof that it wasnt sent until a week later the XXXX to an address that I dont even live at anymore. Now I am getting constant calls and texts from a new collections agency XXXX multiple times a day or every other day. They did this all while I was in my XXXX trimester of XXXX which caused EXTREME stress and also made my credit score decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: WA

Complaint narrative:
I paid off an entire loan ( valued at the time of XXXX ) on XX/XX/2025 and thought that I was all good as I got a confirmation email from EdFinancial. I never received an email that my payment was " reversed ''. I paid off this loan because it had the highest interest rate and interest rates were supposed to begin accruing in XXXX. My loan has been in forbearance so I haven't been checking the account as often. I check in today as the SAVE forbearance is supposed to end and I see that Edfinancial " reversed '' my payment and it had been accruing interest since XXXX. I checked my inbox and confirmed there was no email telling me of this. I have yet to call as every time I try to call it is an absolute circus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. Account name : fair collections and outsourcing. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. Account name : first point collection resolution. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management LLC as a XXXX Party Debt Collector summons me to court from an account they purchased from XXXX in the amount of {$1500.00}. I informed Midland Credit Management LLC XXXX that I didn't have an account with them and I wasn't aware of having a balance with XXXX. Midland Credit Management LLC put this on my credit report in XX/XX/XXXX. 

So, I was instructed to file a police report in regard to fraud. In attempt to do so, the local police didn't have a slot for making a fraud report such as credit card. I dropped off document obtained from police site and asked for further instruction by letter to the judge and I returned for instructions and the clerk told me I had to come to court to discuss it. I stated I have no transactions of stating what this balance is from. I was told to provide why I feel I didn't owe it and will return in XX/XX/XXXX. 

I've received a document Midland Credit Management purchased from XXXX which has a balance of {$1500.00} in which doesn't show what this balance is for. I believed I was paying from my account by way of my credit card and had no balance. In addition had issues with account with excessive charge of {$74.00} daily from XX/XX/XXXX thru XX/XX/XXXX which in my recent evaluation of {$2100.00}. 

Nevertheless, Midland Management Credit and/or Midland Credit Management hasn't provided a detail.

I didn't see any information nor am I on the computer only as needed to know and I have thousands of emails I that aren't opened because I'm basically engrossed in helping my senior parents. So, I didn't contact XXXX because I didn't know I needed to and I didn't know about it being on my credit report until after the summons. 

Step XXXX is not answer to request to fix because the original creditor sold it to Midland Credit Management and I've been getting instructions from them and the courts. What shall I do ; shall I contact them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: WA

Complaint narrative:
Experian is reporting multiple Department of Education/NELN student loan accounts as having two late payments each, even though all of the accounts were paid in full and closed due to transfer. 

The accounts were opened in XXXX and XX/XX/XXXX with original balances of approximately {$2800.00}, {$3500.00}, {$3800.00}, and {$5900.00}. Each account currently reflects a {$0.00} balance and a status of Transferred, Closed. The records also show that the final payment was made on XX/XX/XXXX, and that the accounts were closed due to transfer, with status updates reflected in XX/XX/XXXX. 

Despite the accounts being paid and closed, Experian continues to display late payment indicators on each of these accounts. The payment histories shown on Experian contain inconsistent and unclear information, including months marked as ND, unexplained status codes, and no listed monthly payment amount. This makes it unclear how any late payment determination was calculated or supported. 

Once the accounts were transferred and closed, there was no ongoing payment obligation that could reasonably be reported as delinquent. Reporting late payments on accounts that are paid, transferred, and closed misrepresents the actual account history and has negatively impacted my credit file. 

I am disputing this information because the late payment reporting is inaccurate, unsupported by clear payment data, and inconsistent with the paid and closed status of the accounts.

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 2025-12-15 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: GA

Complaint narrative:
LexisNexis Risk Solutions is reporting inaccurate and unverifiable bankruptcy records on my consumer file. 

LexisNexis relied on PACER to verify the bankruptcy, but the XXXX Bankruptcy XXXX has confirmed in writing that it does not furnish or verify credit data for credit reporting agencies. 

LexisNexis also used an incorrect and unauthorized email address to contact me, which prevented me from receiving verification requests. My certified mail disputes were returned by XXXX as undeliverable. 

Despite these documented errors, LexisNexis has failed to correct or delete the inaccurate public record information in violation of the Fair Credit Reporting Act. 

See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has reached out to me and tried to collect the old debt that they are not the original debtor

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 2025-12-15 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX # XXXX -- Balance : {$420.00} - Date Opened : XX/XX/XXXX XXXX # XXXX  -- Balance : {$170.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$830.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$100.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$830.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$280.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$460.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-12-14 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: MS

Complaint narrative:
Requested verification of debt that shows as written off but was not mines or had incorrect or missing information or collection agency listed as original debtor. Never received 1099C for written off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NY

Complaint narrative:
XXXX XXXX debit card company stoped me from using debit card and then let someone else use my debit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 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: WI

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 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