vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number Ending in : XXXX To Whom It May Concern, This letter is being sent in response to your recent communication regarding the above-referenced account. Please be advised that I am formally requesting the validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt and request that you provide the following documentation : The original creditors name and the original account number. 
A complete itemization of the alleged debt including principal, interest, fees, and any other charges. 
A copy of the original signed agreement or contract that bears my signature, proving my liability. 
Proof that you are legally authorized to collect debts in the state of Pennsylvania. 
The date the alleged debt was incurred and when it was assigned to your company. 
Until this debt is validated, I request that you : Cease all collection activities, including phone calls and letters. 
Do not report this alleged debt to any credit reporting agency. If it has already been reported, please inform the agencies that the debt is disputed. 
Please consider this letter a formal dispute of the debt. Any future communication regarding this matter should be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
I reviewed my credit report and noticed an account I never authorized as well as inquiries I never authorized. The account is XXXX XXXXXXXX appears on my report that I never opened. Also Transunion has inquiries that I never authorized XXXX. XXXX & XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX. The inquiries on experian I never authorized XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
The Inquiries on equifax I didn't authorize XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Mon XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is inaccurate personal information being reported to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: KY

Complaint narrative:
My XXXX XXXX was XXXX prior to XXXX. I lost my job. My husband lost his job. We made arrangements with each and every company that we had a credit card with to set up payments and all except for one refused. My mortgage company was the only XXXX that gave us forbearance And set up an arrangement. My credit card companies did not help us XXXX bit with any payment arrangement whatsoever. We obviously fell behind when I called in. They refused to remove anything and I have been making payments and settlements ever since but they refuse to report it that way

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 2025-06-02 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: KY

Complaint narrative:
My XXXX XXXX was XXXX prior to XXXX. I lost my job. My husband lost his job. We made arrangements with each and every company that we had a credit card with to set up payments and all except for one refused. My mortgage company was the only XXXX that gave us forbearance And set up an arrangement. My credit card companies did not help us XXXX bit with any payment arrangement whatsoever. We obviously fell behind when I called in. They refused to remove anything and I have been making payments and settlements ever since but they refuse to report it that way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto Finance is inaccurately reporting a late payment in 2021 on my credit file. The issue stems from inconsistent reporting to the three major credit bureaus ( Experian, Equifax, and TransUnion ). 
Each credit bureau is showing a different month for the alleged late payment, which is both confusing and inaccurate. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit reporting agencies must be complete and accurate. 
To clarify : XXXX. I dispute the accuracy of the reported late payment ( XXXX ). 
XXXX. Capital One Auto Finance informed that there is NO missed payment reported. 
XXXX. This information is either incorrectly reported, or entirely erroneous. 
I am requesting that the CFPB assist in investigating this matter and instruct Capital One Auto Finance to : Provide proof of the exact date and nature of the alleged delinquency ; and/or Correct or delete the inaccurate reporting from all three credit bureaus to reflect a consistent and accurate history. 
This inaccurate information is negatively impacting my credit profile and XXXX affect my ability to access fair financial opportunities. I have attached supporting documentation including my credit reports from all three bureaus for review. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
I am disputing XXXX inaccurate late payment marks reported by EdFinancial ( previously XXXX XXXX ) in XXXX and XXXX. 
My XXXX XXXX XXXX XXXXXXXX ) recertification forms from XXXX, XXXX, and XXXX demonstrate that I remained enrolled in an XXXX plan throughout the period in question. These forms confirm my ongoing eligibility and should have ensured that I was consistently reported as current or in forbearance. Beginning in XX/XX/XXXX, my federal student loans were placed into administrative forbearance under the XXXX XXXX, with no payments due and no interest accruing. 
Despite this, my TransUnion credit report reflects a delinquency beginning in XX/XX/XXXX, which escalated to XXXX and XXXX late marks in early XXXX. From XX/XX/XXXX onward, the report lists a series of Unknown payment statuses rather than deferment or XXXX, even though my loans were under federally mandated forbearance and IDR protections. 
In XX/XX/XXXX, I was notified that my loans were again placed into forbearance due to a federal court ruling. I received official letters from EdFinancial in XX/XX/XXXX and XX/XX/XXXX confirming that recertification was deferred until at least XX/XX/XXXX or XXXX. Nonetheless, a new derogatory mark appeared during this period, which should not have occurred while under active forbearance. 
I disputed both issues with all three credit bureaus. However, rather than correcting the errors, TransUnion downgraded my payment history by replacing previous Current statuses with late or Unknown designations. These retroactive changes negatively impacted my XXXX XXXX, as shown in the attached XXXX XXXX screenshots. 
Neither Equifax nor Experian report these Unknown statuses, indicating that XXXX reporting is inconsistent and likely incorrect. I have attached full credit reports from all three bureaus for comparison. 
I submitted a formal dispute to EdFinancial Services through their XXXX XXXX XXXX on XX/XX/XXXX, but have not received any resolution. 
I am requesting that the Consumer Financial Protection Bureau assist in having these inaccurate late payment and Unknown marks permanently removed from all credit reports. 
I have attached supporting documentation, including XXXX applications, official servicer letters, screenshots from my loan dashboard, and the relevant credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 am making this statement to Remove all fraudulent items listed on FTC report I want these items deleted immediately!! also remove XXXX 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 2025-06-02 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 making this statement to Remove all fraudulent items listed on FTC report I want these items deleted immediately!! also remove XXXX 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV FUNDING LLC-XXXX XXXXXXXX XXXX XX/XX/year> When I received this credit card my limit was XXXX and after a year they would never increase the card but when I had my credit report to work on purchasing a house my balance was XXXX and it is affecting my score. They report it to my credit as a status and balance every other month which drops my score even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX Original Creditor : 12 XXXX XXXX Balance Owed : {$1800.00} 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 2025-06-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint because MOHELA has continued collection and/or failed to update the discharge status of my federal student loans, despite a final judgment from the U.S. Bankruptcy Court explicitly discharging the loans. 

On XX/XX/year>, the United States Bankruptcy Court for the District of Minnesota ruled in Adversary Proceeding XXXX XXXX ( related to XXXX XXXX XXXXXXXX XXXX. XXXX ) that my Education-held student loans are not excepted from discharge under 11 U.S.C. 523 ( a ) ( 8 ).

This means my student loans were fully discharged. However, MOHELA has not honored this discharge. They are still showing the loans as active and/or in collections and may be reporting inaccurate information to credit reporting agencies. This is a violation of the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ).

I have attempted to resolve this matter directly with MOHELA by providing a copy of the court judgment, but they have not complied.

I am requesting CFPB assistance in enforcing the discharge, ceasing all collection activity, and correcting any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS, THESE ACCOUNTS DO NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello to whom it may concern I did not open these accounts. Ive never applied at Chase before Ive been going through this for some time. Im asking for both of these counts to be classified as identity theft XXXX  account # XXXX Second account #. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/year>, I noticed that all of my federal student loan accounts serviced by Aidvantage were suddenly removed from my credit report, despite the fact that I am actively repaying them and all payments are on time. As a result, my credit score dropped by XXXX points. 

I did not close or pay off these loans, nor did I request for them to be removed from my credit file. I contacted Aidvantage via email on XX/XX/year>, to request an explanation and for them to re-report the loans to all three credit bureaus ( XXXX XXXX and XXXX  ). However, the issue remains unresolved and I can not dispute the accounts directly with the credit bureaus because they are no longer showing up on my reports at all. 

This incorrect removal of active loan accounts is harming my credit standing and I am requesting that the CFPB assist in ensuring Aidvantage corrects this reporting error promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: MA

Complaint narrative:
Formal Dispute of Inaccurate and Unverified Late Payment Reporting Flagship Credit Acceptance ( Auto Loan ) To the Consumer Financial Protection Bureau. 

I am filing this formal complaint regarding the repeated late payment notations being reported by XXXX XXXX XXXX on my credit reports with Experian, TransUnion, and Equifax. I believe these reports are inaccurate, potentially unverifiable, and in violation of multiple federal consumer protection laws. 

Complaint Summary : XXXX XXXX XXXX has reported multiple derogatory late payments, including XXXX and XXXX delinquencies. 

Late payment dates are listed as : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  However : I have not received verification or documentation to support these claims of delinquency. The company has not provided a detailed accounting of my payment history upon request. 

This reporting may violate the following federal statutes : Legal Grounds for Dispute : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of credit information must report only accurate and complete information.

FCRA 1681s-2 ( b ) After a dispute is filed, XXXX must conduct a reasonable investigation. I have not been provided any investigation results or documentation confirming the accuracy of these late payment entries. 

FCRA 1681i ( a ) ( 5 ) If the information can not be verified, it must be deleted from my credit file. These late payments have not been verified with signed contracts, payment logs, or any legal debt validation.

FCRA 1681c ( a ) ( 4 ) and ( 5 ) Negative items may only remain on a report for a limited period ; I request full review of timeliness and accuracy. 

( If the loan was charged-off or repossessed ) If a repossession or charge-off is being reported, I request supporting evidence under 15 U.S.C. 1666b regarding how payments were credited and whether all grace periods and due process procedures were properly followed.

Requested Resolution : I respectfully request the following from the CFPB and XXXX Credit Acceptance : Immediate investigation and verification of the reported late payments Removal of any late payments that can not be verified with a full legal audit trail A full explanation or validation of how these delinquencies were determined and reported If Flagship is unable to verify the accuracy of these entries, I ask that the CFPB instruct them to delete this information under FCRA law.

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