vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
There is a collection account on my TransUnion credit report linked to a loan originally issued by XXXX. I have tried to dispute and remove this account multiple times without success. While I acknowledge that I took out this loan in XXXX, I did not have a Social Security Number ( SSN ) at that time, and I never authorized my information to be reported to any credit bureau. 

Additionally, this debt has been pursued by XXXX different collection agencies. The most recent company is XXXX XXXX XXXX XXXX. I submitted a request for debt validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX. XXXX ). They only provided a copy of a signed contract, but failed to provide any documentation showing that XXXX legally sold or transferred the debt to them. 

Furthermore, the account is listed on my credit report with an incorrect date of opening, which violates the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ( a ) ). Despite submitting multiple disputes to TransUnion, the account continues to be marked as verified, without any valid proof or communication to me from the reporting party. 

What is most concerning is that XXXX company is attempting to collect the debt, while a different company is reporting it to my credit file, without properly notifying me or demonstrating legal standing. 

I respectfully request that the CFPB investigate and take action regarding the following : The legitimacy and accuracy of this account reported to TransUnion. 

The failure of XXXX XXXX XXXX XXXX to properly validate the debt. 

Why a different company is reporting the debt than the one attempting to collect it. 

XXXX failure to correct or remove the account after multiple formal disputes. 

This situation is negatively affecting my XXXX XXXX and overall financial stability. I am requesting the CFPBs assistance in enforcing my rights under federal law. 

Additional Details : Approximate date of loan : XXXX Collection agency involved : XXXX XXXX XXXX XXXX Original creditor : XXXX Credit bureau involved : TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX XXXX this indicates my credit report on TransUnion Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$3000.00} Original Amount {$3000.00} Original Creditor XXXX XXXX XXXX XXXX ) Past Due {$3000.00}

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 non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$120.00}

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 2025-07-28 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX GA XXXX INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-28 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: DC

Complaint narrative:
I am submitting a dispute regarding a XXXX XXXX credit card account that remains on my credit report despite being well past the legal reporting window. The account shows missed payments that originated on or before * * XX/XX/year> * *, which is now * * seven years and five months * * ago.

Under the Fair Credit Reporting Act ( FCRA ), such negative information should no longer appear on my credit report after seven years from the date of first delinquency. I have made significant efforts to rebuild my credit since that time, including maintaining consistent on-time payments and reducing overall debt. 

I respectfully request that this account be investigated and removed from my report with all three credit bureaus. Supporting documents verifying this timeline are provided. I appreciate 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 2025-07-28 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am submitting a dispute regarding a XXXX XXXX credit card account that remains on my credit report despite being well past the legal reporting window. The account shows missed payments that originated on or before * * XX/XX/year> * *, which is now * * seven years and five months * * ago.

Under the Fair Credit Reporting Act ( FCRA ), such negative information should no longer appear on my credit report after seven years from the date of first delinquency. I have made significant efforts to rebuild my credit since that time, including maintaining consistent on-time payments and reducing overall debt. 

I respectfully request that this account be investigated and removed from my report with all three credit bureaus. Supporting documents verifying this timeline are provided. I appreciate your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
I am formally dispute and request the removal of inaccurate and incomplete credit information from my credit profile. It has come to my attention that the information listed below is inaccurate, and I am deeply concerned about the lack of accuracy and diligence in your operations to ensure the accuracy of the credit reports you publish. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), it is mandated by federal law that credit bureaus verify the accuracy of any and all accounts they report by physically verifying the original signed consumer contract. Failure to adhere to this requirement leaves room for the inclusion of fraudulent accounts, which could have serious repercussions for individuals such as myself. I hereby demand to see verifiable proof, in the form of an original consumer contract bearing my signature, for the accounts detailed below. Without such evidence, it is imperative that the account be promptly removed from my credit report. Accounts in question : XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account - 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Account shows open and is in collection status by spring oaks capital llc, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XXXX  card was closed by creditor it was since paid and full in XXXX of XXXX XXXX  is still listed on report and report payment in XXXX which are inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit XXXX keeps calling my ex spouse to discuss my debt. Ive told them to mail me any paperwork so I can investigate the account and what they say I owe. Its causing major stress for them to discuss this with a volatile ex husband. I asked them repeatedly to stop or remove his number but they call almost daily XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a CBE Group collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, CBE Group would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
* * Subject : Formal Dispute Under FCRA 623 Inaccurate Late Payments & Partial Credit Reporting * * XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Erroneous accounts from Department of Education Aidvantage XXXXXXXX amounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, To Whom It May Concern, I am writing to formally dispute * * inaccurate and incomplete payment history * * reported by Department of education Aidvantage to the credit bureaus ( XXXX XXXX XXXX XXXX  ) regarding my federal student loan account.. 

# # # * * Specific Errors : * * 1. * * Incorrect Late Payments * * : My credit report shows late payments but the account is in deferment 2. * * Partial/Incomplete History * * : Department of Education Aidvantage failed to report my full payment history after my loan was transferred from XXXX violating the * * FCRAs requirement for complete and accurate reporting * * ( 623 ( a ) ( 2 ) ).

# # # * * Legal Basis for Dispute : * * - * * FCRA 623 ( a ) ( 1 ) ( B ) * * : Requires furnishers to correct inaccuracies upon notice.

- * * FCRA 623 ( a ) ( 2 ) * * : Mandates reporting of * * complete * * payment history, including during servicer transitions.

- * * CFPB Bulletin 2014-01 * * : Federal student loan servicers must ensure * * seamless credit reporting * * during transfers ( no gaps or omissions * * Statutory Reference * * : Under the * * Higher Education Act ( 20 U.S.C. 1082 ) * *, servicers must report * * all * * payment history during transfersAidvantage can not omit prior data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1300.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PR

Complaint narrative:
PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 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 2025-07-28 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: NV

Complaint narrative:
This reported late payment contradicts my strong record of on-time payments and appears to be an error. I kindly ask for its prompt removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I do not recognize this late payment, and it doesnt align with my payment behavior. Kindly correct the record promptly.

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 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: AL

Complaint narrative:
When the cease in student loan repayment ended, I was on XXXX that ended in XX/XX/XXXX. When I called in XX/XX/XXXX to inquire about details of putting the payments into forbearance, I was provided the option to do so but with the understanding that this action would remove the late payment status on my credit report and it would also reflect that my account was current. The way it was worded insinuated that this action is being taken to remove the late payment status and prevent future late payments from being reported by temporarily delaying the payments. I agreed to this until XX/XX/XXXX to get on my feet from being off work the last part of XXXX. In XXXX, when I realized the late payments were still on my report, I called in to ask why were late payments still showing. I was told it can take a few more days. I waited a few more days, checked my report again and the report reflected that the payments were deferred until XX/XX/XXXX but the late payments from XXXX were still there. I called again, spoke to someone who kept putting me on hold but then advised me that being on XXXX would allow the payments to be removed from my credit report. She emailed me some paperwork and advised to fill them out and send them back. I immediately went to do this only to discover that the paperwork only referred to being on XXXX  assistance at the time the repayment started. I called again and was told that, no, temporary XXXX didn't count. I had been misled yet again. I initially called to try to hold off on payments for a few months and was led to believe that, ok XXXX XXXX, those late payments can be removed also, only to find that this wasn't honored. I need assistance with getting this issue resolved. I am getting nowhere with calling their customer service line. 
Thank you.

Company response to consumer: Closed with explanation