vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies appearing on my credit report that continue to damage my creditworthiness. Despite prior disputes, the credit reporting agencies have failed to correct or properly verify the following items : Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX These addresses are not mine and should not be associated with my file. Their continued reporting creates confusion and can link me to accounts I do not recognize. 
Accounts Reported with Errors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts remain listed with derogatory remarks even though the balances are reported as {$0.00}, which is misleading and inaccurate. Inquiries & Accounts in XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 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: EdFinancial Services
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP Code ] XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting and Unauthorized Credit Inquiries Account Report Number : XXXX Dear XXXX, I am writing to dispute inaccurate and unlawful items currently appearing on my credit file. 
This letter is a formal request under the Fair Credit Reporting Act ( FCRA ) for immediate investigation and deletion of the following : 1. EdFinancial Services Student Loan Account This account is inaccurate and must be permanently removed for the following reasons : - Exceeded Reporting Period : Under FCRA 605 ( a ), derogatory accounts can not be reported beyond 7 years from the date of first delinquency. This loan has already passed the maximum reporting time limit.

- Unlawful Reinsertion : This same account has been re-aged and reinserted under EdFinancial Services, which is a violation of FCRA 605 ( c ) and 611 ( a ) ( 5 ). A time-barred account can not be placed back on a consumers report under a new furnisher. - Failure of Accuracy : As required by FCRA 607 ( b ),
consumer reporting agencies must ensure the maximum possible accuracy of information. Reporting expired and re-aged data is a clear violation.

I am demanding immediate deletion of this account.

2. Unauthorized/Inaccurate Hard Inquiries The following inquiries are appearing on my report and must be deleted immediately : 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  Per FCRA 604 ( a ) ( 3 ), a credit inquiry may only be made when a consumer has given permissible purpose ( such as applying for credit ). I did not authorize or initiate many of these inquiries, making them unlawful. Reporting inquiries without permissible purpose is a violation of my rights under the FCRA.

Requested Action- Delete the EdFinancial Services student loan account in full.

- Remove all of the above unauthorized/inaccurate inquiries.

- Provide me with a written confirmation of deletions within 30 days, as required under FCRA 611.

If XXXX continues to report these inaccurate and unlawful items, I will be forced to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you 
notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Last XXXX SSN : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I am disputing the personal information being reported by the credit bureaus as inaccurate and unverifiable.

1. Name : My correct legal name is XXXX XXXX XXXX XXXX. The variations XXXX XXXX, XXXX XXXX XXXX, or any other versions are inaccurate and must be removed.

2. Addresses : My only current and correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following addresses are inaccurate and must be deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other variations not listed as my current XXXX address.

3. Employers : I currently have no employers listed on my credit file. The following entries are inaccurate and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Requirement : Under FCRA 607 ( b ), the credit reporting agencies are required to maintain maximum possible accuracy. Reporting incorrect names, outdated addresses, and false employer information violates this requirement. 

Demand for Compliance : I demand the immediate deletion of all inaccurate names, outdated addresses, and false employer records. Only my correct legal name and current XXXX address should remain on file. If these corrections are not made within 30 days, I will escalate further with the CFPB, FTC, and State Attorney General. 
I am disputing multiple inaccurate and unverifiable items under the Fair Credit Reporting Act ( FCRA ). 



XXXX. XXXX XXXX XXXX XXXX ( {$8100.00} ) Reported as a charge-off/collection. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate.

Under FCRA 609 ( a ) ( 1 ), I request full validation including signed contract, payment history, and assignment documentation. If not produced, this account must be deleted.

Under FCRA 611 ( a ), unverifiable accounts must be deleted within 30 days. 



XXXX. Late Payments XXXX XXXX & XXXX XXXX XXXX : XXXX late payments. 
XXXX XXXX XXXX late payments. 
These are disputed as inaccurate and unverifiable.

Under FCRA 623 ( a ) ( 2 ), furnishers must promptly correct or delete incomplete/inaccurate data. Unless verifiable records are provided, these derogatory marks must be removed.

3. Hard Inquiries Hard inquiries must be removed unless validated with proof of written authorization. Under FCRA 604 ( a ) ( 3 ), an inquiry requires permissible purpose. 

Equifax XXXX Inquiries : 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 All of the above must be removed unless the furnishers can provide documentation showing permissible purpose and my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX  accurate. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate DPT EDXXXX Account Number : XXXX Please remove it from my credit report.

10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report.

12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 

13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate DPT EDXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LoanCare, LLC
State: NC

Complaint narrative:
I was a part of XXXX breaches by XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. LoanCare These inquires are fraudulent and do not belong to me, please remove them from my credit report : XXXX XXXX via XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested full validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a screenshot showing my information being exposed in a national data breach, and a 605b attachment.

My name is XXXX XXXX XXXX, and that is the only name that should be reporting on my credit report. Please delete all other names on my credit report as they are inaccurate, I should only have ONE NAME reporting, which is XXXX XXXX XXXX. The only mailing address that should be reporting on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. Please delete all other addresses, I never lived there so they are innaccurate. Also, please delete ALL inquiries listed on my credit report ; 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 2025-09-15 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: VA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested full validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a screenshot showing my information being exposed in a national data breach, and a 605b attachment.

My name is XXXX XXXX XXXX, and that is the only name that should be reporting on my credit report. Please delete all other names on my credit report as they are inaccurate, I should only have ONE NAME reporting, which is XXXX XXXX XXXX. The only mailing address that should be reporting on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. Please delete all other addresses, I never lived there so they are innaccurate. Also, please delete ALL inquiries listed on my credit report ; 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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: DC

Complaint narrative:
I am filing this complaint against NCB XXXX XXXX regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated XX/XX/year>, but sent XX/XX/year> under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA. 
I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account name : XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$740.00} Account name : XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX. 
Account number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Account name : XXXX XXXX XXXXccount number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1700.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau on behalf of a consumer, with full authorization to act in their interest regarding this matter. Documentation confirming this authorization is included. The complaint concerns inaccurate and potentially unverifiable information being reported on the consumers credit report by TransUnion. Despite prior dispute efforts, the information remains unresolved and continues to negatively affect the consumers credit profile. The disputed items include [ insert brief description of accounts or entries ], which the consumer asserts are either incorrect or can not be substantiated. We are requesting that the CFPB initiate an investigation and ensure that TransUnion conducts a proper reinvestigation in accordance with the Fair Credit Reporting Act. If the information can not be verified, it should be removed from the consumers credit report. Supporting documents, including the original dispute letter, the consumer authorization form, and relevant credit report excerpts, are attached for review. Please direct all correspondence regarding this matter to me as the authorized representative. 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ATTN : DISPUTE/ CLIENT RESOLUTION SPECIALISTS RE : DEBT VALIDATION Please be advised that as of XX/XX/2025 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : HARRIS & HARRIS LTD {$600.00} ) I want to be explicitly clear with my request. I am not requesting validation of debt, but Instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g.

Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 



Warm Regards, XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation