vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverifiable reporting of a XXXX XXXX XXXXXXXX charge-off account across TransUnion, Experian, and Equifax. 

I submitted written disputes directly to the credit bureaus, as permitted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, requesting verification and correction of the account. The credit bureaus failed to respond with any supporting documentation within the 30-day period required by law.

Additionally, I have identified multiple inconsistencies in the reporting of this account across the three bureaus, including : Different credit limits and high balance values reported. 

Conflicting dates of last activity and payment.

Comment discrepancies.

Evidence of illegal re-aging the account appears to have been updated with newer last reported dates, which artificially extends its negative impact beyond the statute of limitations, in violation of 15 U.S.C. 1681c.

This inaccurate and re-aged account is harming my creditworthiness and ability to obtain credit. I respectfully request the CFPB to intervene and instruct the credit reporting agencies and/or the data furnisher to : Provide legally sufficient verification and documentation, Correct the inconsistent information, or Permanently delete the account from all three credit bureaus. 

Thank you for your 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 explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The creditor, XXXX XXXX XXXX altered the date of the first delinquency of the collection. This is an old collection filed with the credit bureau over XXXX years ago, that has been resold and added to my credit report as a new collection with a account open date of XX/XX/XXXX, XXXX creditor altering the collection date of the first delinquency and reporting this collection as a new collection, is illegal and violates of FCRA and FDCPA laws. Furthermore, I have never opened up an account with this creditor, nor signed any documentation taking ownership of this debt. I would like this collection removed from my account as it is unlawful and violates the credit reporting bureau laws and guidelines. altered the date of the first delinquency of the collection. This is an old collection filed with the credit bureau over XXXX years ago, that has since fail off my account, resold and added to my credit report as a new collection. The creditor altering the collection date of the first delinquency and reporting this collection as a new collection, is illegal and violates of FCRA and FDCPA laws. I would like this collection removed from my account as it is unlawful and violates the credit reporting bureau laws and guidelines.

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 2025-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The creditor, XXXX XXXX XXXX altered the date of the first delinquency of the collection. This is an old collection filed with the credit bureau over XXXX years ago, that has been resold and added to my credit report as a new collection with a account open date of XX/XX/XXXX, XXXX creditor altering the collection date of the first delinquency and reporting this collection as a new collection, is illegal and violates of FCRA and FDCPA laws. Furthermore, I have never opened up an account with this creditor, nor signed any documentation taking ownership of this debt. I would like this collection removed from my account as it is unlawful and violates the credit reporting bureau laws and guidelines. altered the date of the first delinquency of the collection. This is an old collection filed with the credit bureau over XXXX years ago, that has since fail off my account, resold and added to my credit report as a new collection. The creditor altering the collection date of the first delinquency and reporting this collection as a new collection, is illegal and violates of FCRA and FDCPA laws. I would like this collection removed from my account as it is unlawful and violates the credit reporting bureau laws and guidelines.

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 2025-04-25 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: RI

Complaint narrative:
I do not recall this account. When I called the collection agency. National recovery agency They told me It was a loan taken in XXXX for XXXX XXXX. I asked them to send me paperwork or email it to me they never did. I talked to XXXX  and they told me It was delinquent in XXXX and the balance is XXXX XXXX. That makes no sense if I paid it for 4 years then it would have been almost paid off by XXXX XXXX XXXX  the balance would not be XXXX XXXX. Why would they put it on my credit XXXX yrs later and why did XXXX  tell me that it was reported XXXX and it will drop off XX/XX/XXXX when something that goes on your credit It stays a lot longer XXXX year. None of this makes any sense. I know nothing about this. The collection agency told me it was done through XXXX loan. I tried to look them up on the internet and found the name and when I click on it. It comes up some other loan company. Please remove this from my credit. Thank 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I talked to the person in the Home Depot credit card department, she called this person, XXXX XXXX in California. She told me it was just one number off of my Social Security number. She asked XXXX if he had more than one Social Security card a

nd he said Ummm ya. The person in the credit card department told me to gi
ve her a day an
d she would get this bypassed and I can reapply for a Home Depot card. 
When she told me there were multiple accounts linked to my Social Security number, I knew them this had to be investigated

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 2025-04-25 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX due to errors in my student loan account. On XX/XX/XXXX, I noticed that my loan balance was incorrectly reported as {$250000.00} and subject to start repayment in XX/XX/XXXX. My payment calculations will be inaccurate and thus misapplied if loans acquired between XXXX are factored in. From XXXX I attended XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX owned by XXXX were named defendants of the final approved settlement of Sweet vs. XXXX ( formerly XXXX XXXX XXXXXXXX ). I contacted customer service and FSAFA regarding the processing of my XXXX XXXX claims. The settlement pay-outs have begun for the first round of plaintiffs. My claim is scheduled for decision by XX/XX/XXXX, otherwise the relief sought will be automatic granted and balanced paid. XXXX and the DOE failed to process and or subsequently tailor my account to reflect that there is a settlement and thus defer or remove the balance so that it is not included in my payment calculations. Furthermore, I can no longer swear an oath to the financial accuracy and integrity of my account after the actions taken by the current administration as well as the anticipated dismantling of the Department of Education and transfer of the account to the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX due to errors in my student loan account. On XX/XX/XXXX, I noticed that my loan balance was incorrectly reported as {$250000.00} and subject to start repayment in XX/XX/XXXX. My payment calculations will be inaccurate and thus misapplied if loans acquired between XXXX are factored in. XXXX XXXX I attended XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  owned by XXXX were named defendants of the final approved settlement of Sweet vs. XXXX ( formerly XXXX XXXX XXXX  ). I contacted customer service and FSAFA regarding the processing of my XXXX XXXX claims. The settlement pay-outs have begun for the first round of plaintiffs. My claim is scheduled for decision by XX/XX/XXXX, otherwise the relief sought will be automatic granted and balanced paid. XXXX and the DOE failed to process and or subsequently tailor my account to reflect that there is a settlement and thus defer or remove the balance so that it is not included in my payment calculations. Furthermore, I can no longer swear an oath to the financial accuracy and integrity of my account after the actions taken by the current administration as well as the anticipated dismantling of the Department of Education and transfer of the account to the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX due to errors in my student loan account. On XX/XX/XXXX, I noticed that my loan balance was incorrectly reported as {$250000.00} and subject to start repayment in XX/XX/XXXX. My payment calculations will be inaccurate and thus misapplied if loans acquired between XXXX are factored in. From XXXX I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owned by XXXX were named defendants of the final approved settlement of XXXX XXXX XXXXXXXX ( formerly XXXX XXXX XXXX  ). I contacted customer service and FSAFA regarding the processing of my XXXX XXXX claims. The settlement pay-outs have begun for the first round of plaintiffs. My claim is scheduled for decision by XX/XX/XXXX, otherwise the relief sought will be automatic granted and balanced paid. XXXX and the DOE failed to process and or subsequently tailor my account to reflect that there is a settlement and thus defer or remove the balance so that it is not included in my payment calculations. Furthermore, I can no longer swear an oath to the financial accuracy and integrity of my account after the actions taken by the current administration as well as the anticipated dismantling of the Department of Education and transfer of the account to the Small Business Administration SBA.

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 2025-04-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention that all my personal information has been compromised in a national data breach. Upon reviewing my credit reports I noticed multiple accounts that i am not familiar with. I have asked the credit reporting agencies for the validation of debt, however the information has not been provided to me. due to my information being exposed, I have submitted an FTC complaint reporting the information that I have no knowledge of. I will attach a copy of my ID, SS CARD, FTC COMPLAINT, RECENT BANK STATEMENT TO PROOF MY RESIDENCY, AND A COPY OF AN NPD REPORT SHOWING THAT MY PERSONAL INFORMATION WAS EXPOSED IN A NATIONAL DATA BASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Failure to Provide Proper Disclosure under FDCPA Section 805 ( e ) ( 11 ) Dear : MIDLAND CRED - XXXX ___I am writing to formally dispute the manner in which your company has communicated with me regarding an alleged debt. Specifically, I believe that your communications have violated the Fair Debt Collection Practices Act ( FDCPA ), Section 805 ( e ) ( 11 ), which requires that debt collectors clearly disclose : During the initial communication, that they are attempting to collect a debt and that any information obtained will be used for that purpose.

In subsequent communications, that the communication is from a debt collector.

Your [ specify : XXXX XXXX XXXX XXXX XXXX ], dated [ XXXX XXXX XXXX ], did not include the required disclosure. As you may know, failure to comply with this section constitutes a violation of federal law and may result in legal consequences. 



I request that you : Immediately cease further communication with me unless proper disclosure is provided.

Provide written confirmation that you have corrected your practices in compliance with FDCPA regulations.

Cease all collection activities on the alleged debt until you provide validation of the debt in compliance with Section 809 of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I DO NOT RECOGNISE ADDRESSES AND NAMES PLEASE REMOVE FROM REPORT THANK YOU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX Proof of address bank statement, proof of ID passport, and SSC

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 2025-04-25 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: IL

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do 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 2025-04-25 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief