vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SLM CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX  I have asked them to remove old inquiries they are not wiling to do this i called them and spoke to them in person on the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This account is fraudulent and does not belong to me.

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 2025-09-30 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:
Experian and TransUnion are reporting charged off accounts as still being delinquent as of XX/XX/year> when the debts have been charged off, I asked the creditors for a 1099C Which is in violations of faucet misleading under the Fair credit reporting act, 15 U.S.C.1681S 2B And fraudulent and awful debt representation under O.C.G.A.16 83 and oh.C.G.A 10 13 93 for the XXXX account XXXX. Charge off account which I asked for proof of the account being charged off which the credit bureaus is double reporting saying that it is still past due as of XX/XX/year> violets the fair credit reporting act, 15.U.S.C s-2b which requires all finish information be accurate and not misleading and it violates the Georgia fair business practices act O.C.G.A103, 93 and it is also a form of credit de formation and consumer harassment for my XXXX XXXX credit card account XXXX. Ive sent certified letters to both creditors, asking to furnish this information and they were unable to furnish me items that need to be provided by the Consumer then I went and disputed it on Equifax and TransUnion siding that they were in violation to continue to report these things unlawfully with an amount showing still delinquent with a balance as of XX/XX/year> 2025

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian and TransUnion are reporting charged off accounts as still being delinquent as of XX/XX/year> when the debts have been charged off, I asked the creditors for a 1099C Which is in violations of faucet misleading under the Fair credit reporting act, 15 U.S.C.1681S 2B And fraudulent and awful debt representation under O.C.G.A.16 83 and oh.C.G.A 10 13 93 for the XXXX account XXXX. Charge off account which I asked for proof of the account being charged off which the credit bureaus is double reporting saying that it is still past due as of XX/XX/year> violets the fair credit reporting act, 15.U.S.C s-2b which requires all finish information be accurate and not misleading and it violates the Georgia fair business practices act O.C.G.A103, 93 and it is also a form of credit de formation and consumer harassment for my XXXX XXXX credit card account XXXX. Ive sent certified letters to both creditors, asking to furnish this information and they were unable to furnish me items that need to be provided by the Consumer then I went and disputed it on Equifax and TransUnion siding that they were in violation to continue to report these things unlawfully with an amount showing still delinquent with a balance as of XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IN

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 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 2025-09-30 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
Second Round LP Assignee of XXXX Bank XXXX XXXX XXXX XXXX ) had a previous disposed case reopened with representation by XXXX XXXX XXXX XXXX, in which a default judgment was awarded against me due to using the deceptive tactic of sending a Notice to Appear to an address I resided at for XXXX yrs ago, along with granting them permission to place a Writ of Garnishment on my account. 
My previous address XXXX yrs ago has never correlated to the account in question. All correspondence on this case is only associated with my current address. Even if the account were associated with my previous address, the XXXX would have forwarded the document to me, as I placed an address change from that address XXXX yrs ago. 

XXXX XXXX XXXX falsely, deliberately and intentionally claimed to the courts they properly informed me of this action, which was false. I NEVER received the Notice to Appear resulting a default judgment against me along with garnishment against my only bank account, as they knowingly sent the Notice to Appear to an old address. The XXXX XXXX XXXX has my current address on file, as this was reopened. The XXXX XXXX XXXX of Courts and had filed in the courts as recent as 2024. After issuing the Writ of Garnishment, they then mailed documents to my current address. 

By using my previous address from XXXX yrs ago, the wrongfully notified a third party about details of my " debt ''. The harassment of reopening the case after being disposed, has caused financial hardship. If I would have been afforded the opportunity to appear in court, the writ of garnishment would not have been executed. By sending the notice to the incorrect address, interfering with me appearing in court, they intentionally and wrongfully communicated to the courts I chose to avoid participating in this hearing and/or ignored documents by not responding to this lawsuit defaming my character, as well as violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, while assisting my significant other as a co-signer at XXXX XXXX XXXX XXXX in XXXX, Arizona, a bank representative informed me that there were medical bills and questionable accounts appearing on my credit report. As a XXXX XXXX military XXXX who has always maintained excellent financial integrity, I was alarmed by this discovery. 

I immediately obtained copies of my credit reports from Experian, XXXX, and XXXX  and found two accounts that I do not recognize and did not authorize : XXXX  Account # : XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$48.00} ( Appears on all three bureaus ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1800.00} ( Appears on Experian ; Original creditor listed as XXXX XXXX XXXX XXXX XXXX  ) Additionally, I found a fraudulent address listed on my report : XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have never lived or conducted business at this address. 

I have now filed a police report and will be submitting documentation to support this complaint. These accounts and address are the result of identity theft, and I request that they be removed from my credit file immediately. I have never authorized these accounts and am not responsible for any debts associated with them. 

This situation has caused stress and harm to my creditworthiness during an important financial transaction. I respectfully request a full investigation and removal of these erroneous items.

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 2025-09-30 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: MI

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Dispute of collection account XXXX XXXX XXXX The following collection is inaccurate or unverifiable. Please provide full validation ( contract, chain of title, itemized accounting ). If unverifiable, it must be deleted under the FCRA. 
Collector Original Creditor Account # Balance Why Inaccurate Requested Action XXXX XXXX XXXX Not listed [ XXXX ] {$1600.00} XXXX 2019, not validated Delete if unverifiable Item Disputed : Collector/Furnisher : XXXX XXXX XXXX Account XXXX XXXX XXXX last XXXX / reference as shown on TransUnion ] Reported Balance XXXX $ [ amount ] Date Reported : [ mm/dd/yyyy ] Date of First Delinquency ( DOFD ) : [ mm/yyyy ] Reason ( s ) for Dispute : I do not recognize this debt OR the amount/dates are inaccurate. Proof of ownership and chain of title has not been provided ( bill of sale/assignment ). Itemized accounting ( principal, interest, fees/credits ) has not been provided to substantiate the balance. If the XXXX places this beyond the XXXX reporting period, it must be removed. 
Requested Action : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), investigate this entry. If XXXX XXXX XXXX can not furnish complete verificationincluding the original creditor agreement with my signature, full payment history, and chain of titledelete the collection from my TransUnion  file. If verified with different information ( balance, dates, status ), correct the report to match verified data and provide me a copy of that verification. Provide written results and a free updated TransUnion report reflecting changes.

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 2025-09-30 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-09-30 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: TX

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MO

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a new phone and sold my old one, the person whom I sold my phone to hacked my XXXX and sent money to themselves. I have never been in communication with the number associated with the XXXX XXXX. I do not know the person whom the money was sent to. I have tried calling the number that the number was sent to and I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 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 30 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 explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation