vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
This complaint serves as my XXXX follow-up complaint regarding the inaccurate late payment reporting on my credit file for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple prior disputes, the account continues to reflect false late payment entries for XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). These notations are inaccurate and do not reflect my true payment history.Under FCRA 15 U.S. Code 1666, I am exercising my right to have billing or reporting errors corrected promptly and fairly. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information to determine its accuracy. Furthermore, FCRA 623 ( a ) ( 2 ) obligates furnishers to correct and update any information found to be incomplete or inaccurate once notified of discrepancies.Depite my previous submissions and supporting documentation proving timely payments, this account continues to inaccurately report late payments, which unjustly harms my creditworthiness. I am therefore demanding immediate reinvestigation and correction, with all erroneous late notations removed from my credit file without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am submitting this complaint to request a correction to the following accounts on my credit report, as they do not belong to me, nor have I ever been associated with them. I have always been diligent in maintaining a healthy credit history, and the information currently reported is not only inaccurate but also damaging to my creditworthiness. 
The first account in question is a XXXX XXXX, with a reported balance of {$400.00} and a date of last activity on XX/XX/XXXX. This account is marked as being 30 days late in XX/XX/XXXX, specifically on the XXXX, but I have no knowledge of this account or any transactions associated with it. 
The second account is listed under XXXX XXXX XXXX, showing a balance owed of {$310000.00} with a last activity date of XX/XX/XXXX. According to the report, this account was also marked as 30 days late in XX/XX/XXXX, specifically on the XXXX, but again, I have no affiliation with this account, and this debt does not belong to me. 
Lastly, there is a XXXX XXXX account with a reported balance of {$280.00}, last active on XX/XX/XXXX. This account is indicated as 30 days late in XX/XX/XXXX, specifically on the XXXX, but I have never had any dealings with this account. 
Upon reviewing my records and bank statements, I can confirm that I have no prior knowledge of these accounts, and I believe they may have been mistakenly attributed to me due to either a clerical error or identity confusion. I request that these accounts be thoroughly investigated and corrected at your earliest convenience.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information in my credit report that is incomplete, inaccurate, or unverifiable. In accordance with this 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
Consumer complaint received 2025-11-12 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-12 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: SC

Complaint narrative:
I am submitting to formally dispute inaccurate information on my credit report that I believe to be erroneous and need to be corrected immediately. After reviewing my credit file, I have identified several discrepancies, including inaccurate addresses, charge-off accounts, collections, and inquiries that require your urgent attention. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Legal References : FCRA 611 ( 15 U.S.C 618i ) : Under this section, I have the right to dispute any inaccurate information on my credit report. I am requesting that the inaccuracies mentioned above be investigated, and that corrections be made.

FCRA 623 ( a ) ( 2 ) : As a furnisher of information, you are required to correct and update any inaccurate or incomplete information. I ask that you verify and update the charge-offs and collections listed above to reflect the correct information.

FCRA 623 ( b ) : The furnisher 's duty to investigate any dispute is outlined in this section. I ask that the furnishers of these accounts investigate the discrepancies and provide the necessary updates to my credit file.

FCRA 602 : This section emphasizes the importance of maintaining a fair and accurate credit reporting system. As a consumer, I rely on the accuracy of my credit report, and I am requesting that the inaccurate information be corrected 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 explanation
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 2025-11-12 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Category : Student Loan Issue : Incorrect/unfair credit reporting Company : Aidvantage ( Maximus Education LLC ) I am requesting a review of late payment reporting on my federal student loan account serviced by Aidvantage.

The late payments reported throughout 2024 occurred during a documented medical/mental-health-related hardship that directly affected my ability to manage daily responsibilities, including repayment. This was not an issue of neglect or unwillingness. I was focused on recovery and regaining stability during that period.

I have attached a hospital invoice showing {$7200.00} in medical expenses as evidence of the hardship. Since then, I have brought the account fully current and have demonstrated consistent, on-time payments. I previously contacted Aidvantage directly both in XXXX and XXXX this year with a goodwill request explaining these circumstances, but the reporting has not yet been adjusted to reflect the context or my current repayment performance. 

The continued reporting of these late payments has created a severe and disproportionate impact on my credit score, housing opportunities, and overall financial progress, despite my account now being in good standing.

I am respectfully requesting that these nine ( 9 ) late payment marks be removed in the interest of fairness, accuracy, and compassionate consideration of the circumstances. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
This letter serves as my formal dispute regarding the reporting of XXXX or more collection accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The reported collection accounts are inaccurate, incomplete, and unverifiable. No original signed contract, itemized statement, or verifiable proof of ownership has been provided to substantiate this alleged debt or its continued reporting. Reporting unverifiable information violates FCRA 1681i ( Reinvestigation of disputed information ) and 1681e ( b ) ( Accuracy of report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report TransUnions continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year> and XX/XX/year>, TransUnion has failed to remove or block the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided TransUnion with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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 2025-11-12 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: GA

Complaint narrative:
{$2200.00}. The debt was sold to a debt collection when the car was paid off In full through XXXX XXXX company and gap coverage. Was a victim of a total lost. I have requested a cease and desist several times but the company fail to provide or reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
{$2200.00}. The debt was sold to a debt collection when the car was paid off In full through XXXX  XXXX  company and gap coverage. Was a victim of a total lost. I have requested a cease and desist several times but the company fail to provide or reply.

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 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am a XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX and have XXXX  for over XXXX  years. My federal Direct Loans are serviced by XXXX. I received partial forgiveness through Public Service Loan Forgiveness ( PSLF ) and XXXX  Loan Forgiveness. 

Despite continuous qualifying public service, several Direct Loans remain outstanding. XXXX has not applied the PSLF/IDR One-Time Account Adjustment announced by the U.S. Department of Education , which should credit eligible forbearance and deferment months toward forgiveness. 

I filed a dispute with the Department of Education, but XXXX has provided no timeline or written update. Im requesting CFPB assistance to ensure timely application of the One-Time Adjustment and full review for complete forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: BTH Management
State: AR

Complaint narrative:
They are trying to get me to pay a debt that I don't owe. I've never had debt with this company don't know anything thing about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {>= $1,000,000} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {>= $1,000,000} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00}

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was a victim of identity theft .u wa provided with a report summery, which is not proof of ownership and the right to collect of the debt. They communicated with me after a cease a desist letter was requested in the letter. They failed to provide me with a purchase agreement which lets me know who has had ownership of the debt and also how they can collect the debt if they can sue on the debt .ftc report and police reports was filed and sent to company also.

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 2025-11-12 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report Equifaxs continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year> and XX/XX/year>, Equifax has failed to remove or block the fraudulent XXXX XXXX XXXX XXXX XXXX XXXXXXXX that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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