vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing a Navy Federal Credit Union account that was charged off and closed in XXXX. Despite this, XXXX  continues to report late payments into XXXX and XXXX, which is factually impossible and a violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, the account is still showing a balance of {$16000.00}, even though the debt was sold to a third-party collection agency. Under FCRA 623, once a debt is sold, the original creditor must report a
{$0.00} balance and indicate the account was sold or transferred. XXXX has not done this.

I submitted a formal dispute to XXXX with supporting documentation, including screenshots of the incorrect payment history and the charge-off status. XXXX  responded that the account was verified by the furnisher and refused to make any corrections despite clear evidence of inaccurate reporting.

This inaccurate tradeline is harming my credit and has not been properly investigated. I am requesting that XXXX  either : Update the account to reflect a {$0.00} balance and stop reporting late payments beyond the charge-off date, or Remove the account entirely if it can not be accurately reported.

I am attaching evidence, including screenshots and my original dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
My account has no history of lateness, making this report both misleading and incorrect. I ask for its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
XXXX written response to the CFPB, dated XX/XX/year>, not only fails to address the core violations presented in my XX/XX/year> complaint, but further compounds the issue by admitting misreporting, then shifting the derogatory entry from XX/XX/year> to XX/XX/year> in an attempt to bypass accountability. 

Let me be clear : this is no longer about correcting a date. It is about XXXX admitted failure to meet federal notice requirements, its continued furnishing of unverifiable and misaligned data, and its refusal to honor the protections afforded under federal law. Your representative XXXX plainly acknowledged in writing that XXXX did not send any paper notices via USPS regarding delinquency status or servicing changesan express violation of 34 CFR 682.411 and 685.211. This alone invalidates any right to report the account as 90 days late, regardless of internal assumptions or dispute shifts. 

Moreover, XXXXXXXX XXXX shifting of the 90-day mark to XXXX receiving legal notice of the original XXXX reporting violationsuggests bad faith conduct. The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) prohibits the continued furnishing of inaccurate or unverifiable information. Once an account is under dispute, any subsequent modification must be substantiated by complete documentation. None exists. Your office has failed to provide USPS tracking logs, mailed letters, or timestamped proof of any legally mandated written notices. 

The obligation to notify borrowers via U.S. Mail prior to derogatory reporting is not discretionary. It is a condition of your legal authority to furnish such data. Without that proof, XXXX is operating in open violation of the FCRA and federal servicer regulations. 

Accordingly, I demand immediate deletion of the 90-day delinquency now listed under XX/XX/year> from all consumer reporting agencies. I further request written confirmation of this deletion sent to my address on file. If XXXX fails to comply within ten ( 10 ) business days, I will pursue relief through the Department of Educations Ombudsman Group, refile with the CFPB citing AidVantages evasive conduct, and initiate legal proceedings under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

This is your final opportunity to correct your error before further enforcement action is pursued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
Aidvantages written response to the CFPB, dated XX/XX/year>, not only fails to address the core violations presented in my XX/XX/year> complaint, but further compounds the issue by admitting misreporting, then shifting the derogatory entry from XX/XX/year> to XX/XX/year> in an attempt to bypass accountability.

Let me be clear : this is no longer about correcting a date. It is about AidVantages admitted failure to meet federal notice requirements, its continued furnishing of unverifiable and misaligned data, and its refusal to honor the protections afforded under federal law. Your representative XXXX plainly acknowledged in writing that AidVantage did not send any paper notices via USPS regarding delinquency status or servicing changesan express violation of 34 CFR 682.411 and 685.211. This alone invalidates any right to report the account as 90 days late, regardless of internal assumptions or dispute shifts.

Moreover, AidVantage 's shifting of the 90-day mark to XXXXafter receiving legal notice of the original XXXX reporting violationsuggests bad faith conduct. The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) prohibits the continued furnishing of inaccurate or unverifiable information. Once an account is under dispute, any subsequent modification must be substantiated by complete documentation. None exists. Your office has failed to provide USPS tracking logs, mailed letters, or timestamped proof of any legally mandated written notices.

The obligation to notify borrowers via U.S. Mail prior to derogatory reporting is not discretionary. It is a condition of your legal authority to furnish such data. Without that proof, AidVantage is operating in open violation of the FCRA and federal servicer regulations. 

Accordingly, I demand immediate deletion of the 90-day delinquency now listed under XX/XX/year> f

rom all consumer reporting agencies. I further request written confirmation of this deletion sent to my address on file. If AidVantage fails to comply within ten ( 10 ) business days, I will pursue relief through the Department of Educations Ombudsman Group, refile with the CFPB citing AidVantages evasive conduct, and initiate legal proceedings under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. This is your final opportunity to correct your error before further enforcement action is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX U.S.C. XXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX - XXXX Additionally, XXXX XXXX. XXXX, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than XXXX days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 
I respectfully request that you assist me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
These unauthorized inquiries have no connection to me and may suggest fraudulent use of my information. I request your immediate response and have included documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$5400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$4100.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted formal disputes to the credit bureaus concerning several inaccurate and/or unverifiable items on my credit report. These disputes included clear explanations and supporting documentation. However, the credit bureaus responded by stating the items were " verified '' without actually addressing the substance of my disputes. 

It appears they used the e-OSCAR system, which reduced my detailed dispute to a simple code and did not transmit the documents I provided to the data furnishers. This resulted in an inadequate and superficial investigation. The reinvestigation did not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information. 

As a result, inaccurate and outdated accounts continue to be reported on my credit profile, causing financial harm and denial of credit. I am requesting a proper investigation or deletion of the accounts if the information can not be verified with full documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate information regarding an XXXX XXXX account ( Account Number : XXXX ). 

My Experian report, for example, states this XXXX account was 'Sold To : XXXX XXXX XXXX. However, I recently filed a CFPB complaint against XXXX XXXX XXXX ( ID : XXXX ) regarding this exact debt. In their official response dated XX/XX/year>, XXXX XXXX stated they were terminating collection efforts and would request deletion of their tradeline for XXXX XXXX XXXX XXXX '. Their response explicitly referred to themselves as acting as a third-party debt collector, not as the owner or purchaser of the debt. 

This creates a direct and irrefutable contradiction. If XXXX XXXX does not own the debt and is deleting their reporting as a collector, then XXXX 's assertion of having 'sold ' the debt is false and misleading. The credit bureaus are therefore reporting inaccurate and unverifiable information regarding the ownership and status of this debt. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have a duty to ensure accurate and complete reporting. The continued presence of this XXXX account on my reports, based on demonstrably false ownership information, is damaging my credit unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate information regarding an XXXX XXXX account ( Account Number : XXXX ). 

My Experian report, for example, states this XXXX account was 'Sold To : XXXX XXXX XXXX. However, I recently filed a CFPB complaint against XXXX XXXX XXXX ( ID : XXXX ) regarding this exact debt. In their official response dated XX/XX/year>, XXXX XXXX stated they were terminating collection efforts and would request deletion of their tradeline for XXXX XXXX XXXX XXXX '. Their response explicitly referred to themselves as acting as a third-party debt collector, not as the owner or purchaser of the debt. 

This creates a direct and irrefutable contradiction. If XXXX XXXX does not own the debt and is deleting their reporting as a collector, then XXXX 's assertion of having 'sold ' the debt is false and misleading. The credit bureaus are therefore reporting inaccurate and unverifiable information regarding the ownership and status of this debt. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have a duty to ensure accurate and complete reporting. The continued presence of this XXXX account on my reports, based on demonstrably false ownership information, is damaging my credit unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I recieved a phone from a person stating that i owed them XXXX from a loan i have no recollection about from 2018. They had my social security number and stated all assests and money from my accounts would be frozen or siezed if i did not pay them promptly of a XXXX XXXX I told them i never took a loan out with that amount and have no knowledge. They said too bad. They called me from a phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Barclays Bank XXXX XXXX XXXX XXXX XXXX Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received from you regarding an alleged debt. I do not recognize this debt and request validation as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of any judgment ( if applicable ) ; 4. Verification that I am legally obligated to pay the alleged debt ; 5. A copy of the original agreement or contract bearing my signature.

Additionally, please cease all collection activities, including reporting this debt to credit bureaus, until this validation is provided.

This is not a refusal to pay, but a request for validation. If you do not provide the above documentation within 30 days of receiving this letter, you must stop all collection efforts as required by federal law. 

Thank you for your cooperation. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
please be advised that this letter is not a refusal to pay, but a request for validation of the debt as provided for be the fair debt collection practces act 15 U.S.C 1692g pursuant to my rights under the FDCPA i respectfully request that you provide the folowing the amount of the debt the name of the creditor to whom the debt is currently owed a detailed statement explaining the basis of debt a copy of the original contract or agreement bearing my signature proof that your agency is authorized to collect on this debt untill you provide proper validation i request that you - cease all collections efforts - not report or cease reporting this alleged debt to any credit bureaus

Company response to consumer: Closed with non-monetary relief