vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am filing a complaint regarding how Possible Finance ( listed as " Possiblefina '' on my credit report ) is reporting a closed and charged-off account.

The account in question was charged off and closed, yet Possiblefina continues to report monthly derogatory marks ( such as new delinquencies ) even after the charge-off date. This is inaccurate and misleading.

According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off and closed, creditors may report it as such, but they should not continue to update the account with new derogatory marks each month unless there is new activity which there is not in this case.

This ongoing reporting is causing unnecessary and repeated damage to my credit score and misrepresents the status of the account.

I respectfully request that the CFPB investigate this matter and that Possiblefina be required to : Cease updating the account with new derogatory remarks ; Correct the reporting to reflect an accurate charge-off date and status ; Ensure the Date of First Delinquency ( DOFD ) is not being improperly refreshed.

Thank you for your assistance in resolving this issue. 

I created a dispute thru TransUnion and the creditor never responded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question 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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit Management account # XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete Account # XXXX as soon as possible from my credit report or I will take legal action,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I am submitting this complaint against the credit reporting agencies TransUnion, Experian, and Equifax regarding a closed installment account from XXXX, originally opened in 2016 and paid in full the same year. 

Despite this being a closed, zero-balance account, the credit bureaus are reporting : An invalid account opening date ( TransUnion shows XX/XX/year>, which is not a valid date ). 

Inconsistent last payment and activity dates across the three bureaus.

A " current '' payment status, which is inaccurate for a closed account.

These issues violate the Fair Credit Reporting Act, specifically : 607 ( b ) Obligation to report complete and accurate information.

609 ( a ) ( 1 ) Right to clear disclosure of credit file contents. 

Requested Action : I request that this account be either : Deleted entirely due to the verified inaccuracies, XXXX XXXX immediately to reflect a consistent closure date, accurate payment history, and appropriate status ( i.e., closed, zero balance, no active payment status ).

Invalid Date Entry TransUnion Violation : FCRA 607 ( b ) Duty to report accurate information TransUnion reports an opening date of XX/XX/year>, which is not a valid date ( XXXX had only 29 days in 2016, making this entry likely an error ). 

This reflects a failure to validate and report factual information, misleading both consumers and lenders. 

2. Inconsistent Payment & Closure Dates Across Bureaus Violation : FCRA 609 ( a ) ( 1 ) Right to clear and accurate disclosure Last payment and activity dates are not consistent across the three bureaus ( ranging from XX/XX/year> to XX/XX/year> ). 

These mismatches suggest the data is not being updated accurately. 

XXXX. Misleading Current Status on a Closed Account Violation : FCRA 607 ( b ) The account is closed with a zero balance, yet reported as " Current '' a contradiction that implies ongoing activity or repayment.

This can mislead lenders reviewing the file.

4. Obsolete Account Eligible for Early Removal Not a violation yet, but : The account is over XXXX XXXX XXXX, and since it is positive and closed, it may be eligible for early removal as a courtesy deletion especially due to the above data issues.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I recently became aware that my personal information was compromised in a data breach, which may have contributed to the fraudulent or inaccurate reporting of these negative items. As a result, I am requesting a thorough investigation and the removal of these items in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
An issues has come to my attention that I have no file with Equifax and no data. Now am attached all Equifax investigation letter incomplete and saying could not provide a credit score and report. One concern I will like to mentioned a report was provide to XXXX XXXX XXXX indicating I have high credit amount. In order to speculate my issues I attached all letter was mailed from Equifax dispute and all my credential again to verify am XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
This is my second complete submission on this PSLF buyback reconsideration issue with XXXX XXXX, as I have not received a response from the department of education on the matter to date. 
Over the past five or six months I have called student aid.gov requesting the status of my PSLF Vivac reconsideration only to be told that it is being worked on and has been escalated. I do not believe they are working on my application at all because there is never any new information and according to the student aid.gov website these applications for PSLF buyback reconsideration are supposed to be processed within 45 days of receiving the request. My PS LF buyback reconsideration request has been documented as being received by the Department of education on XX/XX/XXXX. Todays date is XX/XX/XXXX. 
I have also reached out to my State representative and my representative in Washington DC on this matter. Both entities report that they are also not having good luck getting any insightful information from the Department of Education PSLF buyback reconsideration, not just in my case, but also with other cases like my own.

Ive been working on PSLF buyback for over a decade now, and in desperately seeking to complete my responsibilities to the PSLF program. I feel like a prisoner to the program when there is literally no communication or feedback happening on the department education side if the matter. This is unfair to me, but also demonstrates a severe lack of accountability and responsibility to borrowers who entered the program in good faith.

I am looking for help from anyone who can provide it to connect with the department of education on my PSLF buyback reconsideration case do you find out what my buyback amount is at this time so I can make the payment and be done with the program. I am not interested in any more radio silence from the Department of Ed, I would like to get my buy back offer today, as I have over waited a half a year for something that was supposed to take 45 days and am STILL waiting. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

BANK XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$26000.00} BANK OF XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$930.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CARD XXXX XX/XX/XXXXXXXX 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 XXXX OF XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-24 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:
XXXXI am submitting this complaint to notify you that I have been a victim of identity theft. In accordance with FCRA Section XXXXB, I understand that credit reporting agencies are required to investigate any accounts or information listed in an identity theft report. I will be filing an official report with the Federal Trade Commission (FTC) at XXXX, and I have attached supporting documents to assist in your investigation. Below is a list of items that do not belong to me and were opened or reported without my knowledge or authorization: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 XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MD

Complaint narrative:
XXXX XXXX failed to provide me with verification/validation of the debt which was to be mailed to me. 

A charged off account should not include an active payment history. This inaccurate information falsely manipulates the stature of limitations. You failed to investigate this account properly and your neglect has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
Inaccurate Personal Information Reported in Violation of FCRA To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies TransUnion, Experian, and Equifax for reporting inaccurate and unverified personal information in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my actual and legal name being XXXX XXXX XXXX, the following inaccurate aliases have been reported on my credit files : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, Experian failed to report my full date of birth accurately and only listed the year 1974, instead of my correct DOB : XX/XX/year>. 

There are also multiple inconsistencies and outdated entries across all three bureaus in my address and employer history, which pose a risk of identity confusion and misreporting : Incorrect formatting or omission of apartment numbers ( e.g., XXXX XXXX XXXXXXXX in TransUnion ). 

Duplicate and outdated employer names and addresses not validated for current accuracy. 

I demand the immediate deletion or correction of all inaccurate names, dates of birth, addresses, and employer entries that are not verified to belong to me per FCRA Section 607 ( b ) and Section 609 ( a ) ( 1 ).

Please also ensure that all future correspondence regarding this complaint is ONLY sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA & FDCPA Violations and Inaccuracies XXXX. Name Variations ( FCRA 607 ( b ), 609 ( a ) ( 1 ) ) Violation : Unverified or inaccurate aliases such aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc. are reported across all three bureaus. 

Issue : These are inconsistent with her legal name XXXX XXXX XXXX. 

Risk : Misidentification, mixed files, and erroneous data reporting.

2. Date of Birth Discrepancy ( FCRA 607 ( b ) ) Violation : Experian only shows 1974 rather than the full and accurate XXXXXXXX XXXX 

Issue : Incomplete identity data can cause confusion or misassociation. 

XXXX. Address Inconsistencies and Repetitions ( FCRA 607 ( b ), 609 ( a ) ) Violation : TransUnion omits apartment number for the current address. 

Experian includes an outdated format XXXX that may not match USPS standards .

Duplicate or obsolete past addresses across bureaus that are not consistent or accurate.

Issue : This creates a risk of mixed credit files or mail misdelivery, which violates accurate reporting obligations.

4. Employment History Inconsistencies ( FCRA 607 ( b ) ) Violation : Different employers reported across all three bureaussome possibly outdated or unverifiable ( e.g., XXXX XXXX, XXXX, XXXX XXXX ). 

Issue : Lack of proper validation or update leads to outdated and possibly incorrect employment data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are incorrect names and addresses an jobs on 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 2025-05-26 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX and the three major credit bureaus ( XXXX, TransUnion, and XXXX  ) for materially misleading and inconsistent credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX charged off a joint student loan account and sold it to a third-party debt buyer. However, all three credit bureaus continue to report this account with contradictory and inaccurate language. Most importantly, I have not paid this account, yet XXXX XXXX is reporting it as Paid in Full on at least one bureau. 

I am currently being sued in XXXX XXXX XXXX XXXX, Precinct 2 ( Texas ) by a debt buyer claiming to now own this account. That makes the Paid in Full reporting both factually false and legally damaging. 

The account is listed differently on each bureau : TransUnion : Pay Status : >Sold ; was Charged-off< Remarks : Purchased by another lender ; Paid in Full / Was a Charge Off XXXX  : Status : Closed. {$5200.00} written off. 

Remarks : Purchased by another lender XXXX  : Status : Charge-Off Activity Designator : Transferred or Sold These inconsistencies create confusion and mislead any party who reviews my report. Reporting an account as both charged off and paid in full is a contradiction that violates FCRA 1681e ( b ) s requirement for accurate, clear, and non-misleading data. It also undermines my legal rights in ongoing litigation regarding the same debt. 

I previously submitted a written dispute to all three credit bureaus under FCRA 611, and they verified this information without correction.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation