vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
15 U.S. Code 1666a This related section addresses the handling of disputed amounts on a credit report.

It states that if a consumer disputes an amount in writing, a creditor can not report the amount as delinquent unless the creditor also reports that the amount is in dispute. 
The creditor must also notify the consumer of the name and address of every party to whom they are reporting the disputed information. XXXX XXXX XXXX this account has not been validated for one as authentic debt and its a third party vendor keeps contacting me several times daily for a payment on behalf of XXXX XXXX XXXX they are harassing me if that cant prove the validity of this debt and abide by laws correctly in reporting they cant report on my credit report at all! Per FCRA please follow all consumer laws or I will be forced to sue credit bureaus

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 2025-11-18 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:
15 U.S. Code 1666a This related section addresses the handling of disputed amounts on a credit report.

It states that if a consumer disputes an amount in writing, a creditor can not report the amount as delinquent unless the creditor also reports that the amount is in dispute. 
The creditor must also notify the consumer of the name and address of every party to whom they are reporting the disputed information. XXXX XXXX XXXX this account has not been validated for one as authentic debt and its a third party vendor keeps contacting me several times daily for a payment on behalf of XXXX XXXX XXXX they are harassing me if that cant prove the validity of this debt and abide by laws correctly in reporting they cant report on my credit report at all! Per FCRA please follow all consumer laws or I will be forced to sue credit bureaus

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 2025-11-18 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: UT

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 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: UT

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-18 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-18 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: VA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
Repeated calls multiple times a day. Wanted me to give them my information. Would not give me information they claimed to have even though they called 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 explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-11-18 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:
It is very frustrating that these inaccurate late payments are still showing on my credit report this morning, and I do not know why they have not been removed. Refreshing my browser did nothing because the inaccurate late payments remained. I am urgently requesting that the documents I submitted be examined properly so I can finally stop feeling anxious about this issue.

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 2025-11-18 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have sent multiple requests to remove this of my current report. I never had a contract with portfolio recovery as stated I have enclosed my Dispute letter and expect for this to be handled expedite.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
RECEIVED A NOTICE FROM A XXXX XXXX XXXX XXXX THAT I OWE BALANCE FOR A DEBT THAT IS NOT MINE.

THEY HAVE PROVIDED PROOF AND THE NAME ON THE ACCOUNT IS SIMILIAR BUT NOT THE SAME.

I NEVER APPLIED FOR THIS DEBT ADDRESS OF PERSON IS NOT MY ADDRESS.

THEY ARE NOW SENDING LETTERS AGAIN THAT WILL WILL BE FLING A LAW SUIT AGAINST ME WHEN I AM NOT THIS PERSON THIS IS NOT MY DEBT.

I AM UNEMPLOYED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-18 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays is reporting an inaccurate Date of First Delinquency ( DOFD ) on my Barclays XXXX XXXX, and their XX/XX/XXXX letter contains multiple factual and legal errors showing improper re-aging. 

My account was permanently closed in XXXX, and I had continuous rolling delinquencies leading up to that closure, including 90120 day lates. After the account was already closed, Barclays placed me into a reduced-payment hardship plan in early XXXX. 

Under the FCRA and XXXX  guidelines, the DOFD is a fixed, immovable date. It is the date of the first missed payment in a continuous delinquency, and it can not be changed by modified terms, hardship plans, payment plans, or charge-off status. A payment plan can update account status, but it can not reset the DOFD in any circumstance unless the account is fully brought current under original terms, which never happened. Barclays admits in writing that I was on modified terms and never brought current.

Barclays claims that entering the hardship plan changed my DOFD to XXXX. This is legally incorrect. Since the payment plan occurred after the account was closed, the DOFD can not restart or move forward. A closed account can not generate a new delinquency period under XXXX  rules.

Barclays is also incorrectly implying that DOFD is flexible until charge-off. This is not true. Once an account is permanently closed, the original DOFD is locked in and can not be moved. DOFD is not determined at charge-off it is determined at the first mispayment in the continuous series of delinquencies that led to closure.

Barclays explanation closely resembles confusing the statute of limitations with DOFD, which are two separate legal concepts. DOFD governs credit reporting ; the statute of limitations governs collections. Payment plans do not reset the DOFD.

The fact that Barclays continues to insist on a DOFD after account closure suggests they are improperly attempting to re-age the account. Re-aging debt or reporting a false DOFD violates FCRA 623 ( a ) ( 5 ).

Requested Resolution : 1. Correct the DOFD to the original delinquency in XXXX  ( or earlier ).

2. Correct the removal date based on the accurate DOFD.

3. Remove any re-aged or inaccurate reporting.

4. Delete the tradeline entirely if Barclays can not verify the true DOFD with documentation.

5. I request CFPB oversight due to repeated incorrect explanations and inconsistent application of XXXX  rules. 

Exhibits attached : Exhibit A : Barclays XX/XX/XXXX letter Exhibit B : Snapshot showing account closure date in 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 2025-11-18 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: TX

Complaint narrative:
It is very frustrating that these inaccurate late payments are still showing on my credit report this morning, and I do not know why they have not been removed. Refreshing my browser did nothing because the inaccurate late payments remained. I am urgently requesting that the documents I submitted be examined properly so I can finally stop feeling anxious about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXX/XX/XXXXe XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XX/XX/XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Equifax Improperly Verified Bankruptcy Public Record Using Third-Party Vendor ( FCRA Violation ) I am filing a new complaint because Equifax admitted in writing that they verified a bankruptcy public record on my credit report using a third-party vendor instead of obtaining verification directly from the U.S. Bankruptcy Court.

Equifaxs results letter clearly states : Equifax contacts a third party vendor to obtain the most recent status of the public record.

This statement confirms a violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681k ( a ) Public records must be obtained directly from the courthouse unless the consumer is notified otherwise ( I was not ).

FCRA 1681i ( a ) ( 1 ) Dispute investigations must be reasonable and must use the original source, not a vendor.

FCRA 1681e ( b ) Public record information must be complete, accurate, and properly verified.

A bankruptcy public record can not be legally verified through a third-party vendor such as XXXX, XXXX, or any automated system.

It must be verified directly with the U.S. Bankruptcy Court.

I am requesting that CFPB require Equifax to : 1. Provide proof of direct verification from the U.S. Bankruptcy Court, including : The date the court was contacted The clerks name Copies of any documents obtained directly from the court 2. If Equifax can not provide this proof, the bankruptcy public record must be deleted immediately for failure to comply with FCRA requirements.

This complaint is based entirely on the written statement provided by Equifax in their reinvestigation results.

I am requesting immediate investigation and correction.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
Equifax deleted an inaccurate bankruptcy from my report. The items that were reported placed in bankruptcy on my credit report were XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX have now been changed to closed accounts. This is illegal and they should have been removed, once they deleted the fraudulent bankruptcy. I informed them that these items placed on my credit report were identity from the start. I sent them my FTC report and a police report. Equifax can not change the status of an account to another account because it has been deleted. These fraudulent items need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
The specific account entry being disputed is inaccurate, incomplete, or entirely unverified. This includes errors related to the account status, the reported balance, and/or the date of last activity. The information conflicts directly with my records, which show that the obligation was either paid in full, settled, or is otherwise not legitimately owed. I request a thorough investigation to confirm the data 's accuracy ; otherwise, the entry must be corrected to reflect the accurate status ( XXXX paid XXXX balance ) or completely deleted from the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-18 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: PA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief