vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: EdFinancial Services
State: VA

Complaint narrative:
Im submitting this complaint after repeated unsuccessful attempts to get EdFinancial and XXXX to correct an account I do not recognize. 

In XX/XX/XXXX, XXXX began reporting a new EdFinancial Services tradeline on my credit report under a new account number, showing two late payments in XXXX. I do not and never did have an active EdFinancial loan in XXXX. My Federal Student Aid dashboard confirms I had a single Direct Loan with EdFinancial that was opened on XX/XX/XXXX, paid in full on XX/XX/XXXX, and closed with a \ {$0.00} balance that same day. I can not log into EdFinancials site using my SSN and date of birth, and two different customer-service agents were unable to locate any account for me, though they acknowledged reporting something to the credit bureaus in XXXX. 

I first opened a dispute with XXXX  ; they closed my dispute without explanation and simply updated the account to show an additional delinquent month. I then sent XXXX a dispute with documentation showing my loan was closed in XXXX, but they have taken no corrective action. I sent a direct-dispute/validation request to EdFinancial demanding they validate the account with promissory notes and payment records or cease reporting, but have received no meaningful response.

Despite providing clear evidence that this tradeline is inaccurate and unverifiable, both the furnisher and the credit bureaus continue to report it. This false tradeline is harming my credit score and financial standing. I am requesting that the CFPB investigate and require removal of the inaccurate tradeline from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I need credit for a vehicle and to provide for me and my family. I can't get back and forth to work. My credit reports are wrong

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is violating the Fair Credit Reporting Act through inconsistent and inaccurate reporting of a time-barred debt across all three credit bureaus, demonstrating failure to maintain reasonable procedures for accuracy as required by FCRA 1681e ( b ). 
Critical Reporting Discrepancies : ( 1 ) Date Last Active : TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX - three completely different dates for the same account ( 2 ) Date of Last Payment : TransUnion and XXXX report XX/XX/XXXX, XXXX  reports XX/XX/XXXX, but actual last payment was XX/XX/XXXX ( XXXX ) Dispute Comments : Each bureau shows different dispute language despite same account and disputes ( XXXX ) Time-Barred Status : With last payment XX/XX/XXXX, this debt became legally uncollectible under Texas Civil Practice & Remedies Code 16.004 ( 4-year statute ) on XX/XX/XXXXXXXX XXXX XXXX These inconsistencies violate FCRA 1681e ( b ) requiring reasonable accuracy procedures, 1681s-2 ( a ) prohibiting furnishing inaccurate information, and 1681s-2 ( b ) requiring proper dispute investigation.

Personal Impact from 18 months of inaccurate time-barred debt reporting ( XXXX XXXX XXXX XXXX : Ongoing stress and XXXX from dealing with this inaccurate reporting affecting my credit score and financial opportunities. Significant time and effort spent attempting to resolve this issue through proper dispute channels, only to receive contradictory responses. Personal setbacks including difficulty obtaining favorable credit terms, emotional distress from the persistent negative impact on my financial reputation, and frustration from XXXX 's failure to properly investigate legitimate disputes about clearly time-barred debt. 
Previous disputes resulted in contradictory responses across bureaus proving XXXX 's failure to properly investigate or maintain consistent records, causing additional stress and wasted time.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is violating the Fair Credit Reporting Act through inconsistent and inaccurate reporting of a time-barred debt across all three credit bureaus, demonstrating failure to maintain reasonable procedures for accuracy as required by FCRA 1681e ( b ).

Critical Reporting Discrepancies : ( 1 ) Date Last Active : XXXX reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX - three completely different dates for the same account ( 2 ) Date of Last Payment : XXXX and XXXX  report XX/XX/XXXX, Equifax reports XX/XX/XXXX, but actual last payment was XX/XX/XXXX ( XXXX ) Dispute Comments : Each bureau shows different dispute language despite same account and disputes ( XXXX ) Time-Barred Status : With last payment XX/XX/XXXX, this debt became legally uncollectible under Texas Civil Practice & Remedies Code 16.004 ( 4-year statute ) on XX/XX/XXXXXXXX XXXX XXXX These inconsistencies violate FCRA 1681e ( b ) requiring reasonable accuracy procedures, 1681s-2 ( a ) prohibiting furnishing inaccurate information, and 1681s-2 ( b ) requiring proper dispute investigation.

Personal Impact from 18 months of inaccurate time-barred debt reporting ( XXXX XXXX XXXX  ) : Ongoing stress and anxiety from dealing with this inaccurate reporting affecting my credit score and financial opportunities. Significant time and effort spent attempting to resolve this issue through proper dispute channels, only to receive contradictory responses. Personal setbacks including difficulty obtaining favorable credit terms, emotional distress from the persistent negative impact on my financial reputation, and frustration from XXXX 's failure to properly investigate legitimate disputes about clearly time-barred debt. 
Previous disputes resulted in contradictory responses across bureaus proving XXXX 's failure to properly investigate or maintain consistent records, causing additional stress and wasted time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is violating the Fair Credit Reporting Act through inconsistent and inaccurate reporting of a time-barred debt across all three credit bureaus, demonstrating failure to maintain reasonable procedures for accuracy as required by FCRA 1681e ( b ).

Critical Reporting Discrepancies : ( 1 ) Date Last Active : XXXX  reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX - XXXX completely different dates for the same account ( XXXX ) Date of Last Payment : XXXX  and Experian report XX/XX/XXXX, XXXX  reports XX/XX/XXXX, but actual last payment was XX/XX/XXXX ( XXXX ) Dispute Comments : Each bureau shows different dispute language despite same account and disputes ( XXXX ) Time-Barred Status : With last payment XX/XX/XXXX, this debt became legally uncollectible under Texas Civil Practice & Remedies Code 16.004 ( 4-year statute ) on XX/XX/XXXXXXXX XXXX XXXX These inconsistencies violate FCRA 1681e ( b ) requiring reasonable accuracy procedures, 1681s-2 ( a ) prohibiting furnishing inaccurate information, and 1681s-2 ( b ) requiring proper dispute investigation.

Personal Impact from 18 months of inaccurate time-barred debt reporting ( XXXX XXXX XXXX  ) : Ongoing stress and XXXX  from dealing with this inaccurate reporting affecting my credit score and financial opportunities. Significant time and effort spent attempting to resolve this issue through proper dispute channels, only to receive contradictory responses. Personal setbacks including difficulty obtaining favorable credit terms, emotional distress from the persistent negative impact on my financial reputation, and frustration from XXXX 's failure to properly investigate legitimate disputes about clearly time-barred debt. 
Previous disputes resulted in contradictory responses across bureaus proving XXXX 's failure to properly investigate or maintain consistent records, causing additional stress and wasted time.

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 2025-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
* * Issue Summary : Incorrect Credit Reporting Despite Student Loan

Forgiveness Approval * * * * Details of the Incident : * * I attended * * Independence University * *, which later closed and lo st accreditation. Due to this closure, my student loans were * * officially forgiven * *, and I received a formal approval letter confirming the forgiveness. After receiving this documentation, I provided proof to * * Mohela * * to ensure proper processing. However, despite this, my * * credit report now reflects an increasing balance owed * * on my student loan. I was informed by Mohela that * * the loan amount should not increase while in forbearance * *, and that it would be * * fully forgiven well before forbearance ends * *. Yet, my credit report contradicts this assurance, showing a growing balance instead of reflecting the approved forgiveness status. 

* * Actions Taken : * * - Submitted my loan forgiveness approval documentation to Mohela. 
- Verified with Mohela that the amount should not increase while in forbearance. 
- Checked my credit report and found an incorrect balance listed despite the loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was never notified that there was a credit limit decrease on my Verizon credit card From {$2500.00} to {$1300.00} until I received my statement and my Available credit was greatly impact, causing my credit score to be lowered and other cards to make decisions based upon their actions at the same time my XXXX XXXX credit card is issued by the same bank credit limit was substantially increased. when I called in to speak to someone, they had no reason for the credit limit decrease or for me not receiving notification of the change.

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 2025-06-07 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: IL

Complaint narrative:
It is distressing to see an incorrect late payment on my account, particularly given my consistent adherence to payment deadlines. This mistake is causing undue XXXX, and I respectfully ask that you rectify this issue by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: 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. 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 explanation
Consumer complaint received 2025-06-07 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX Transunion & XXXX  under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within XXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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 2025-06-07 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX Transunion & XXXX  under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within XXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am not able to access my account and hence funds from over a month now. I have called them multiple times and each time they make me verify the account using my id. But even after verifying I am facing issue and not able to use the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT

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 2025-06-07 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: FL

Complaint narrative:
I have identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and integrity of the data they provide. The following inaccuracies have been noted : 1. * * Inconsistent Reporting * 2. * * Failure to Verify * Upon notifying the credit bureau regarding the matter, I was informed that they have completed their investigation and confirmed that all information is accurate. However, they have not yet provided any evidence to support the findings of their investigation.

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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am filing a formal complaint regarding a collection account reported by LVNV Funding LLC. The account includes inaccurate and potentially misleading information and has not been properly validated under the Fair Debt Collection Practices Act ( FDCPA ). 

I submitted a debt validation request under FDCPA 15 USC 1692g, but I have not received any documentation proving that the debt is valid, that LVNV owns the debt, or that the amount is correct.

Without providing proof of the original creditor, payment history, or assignment of the debt, LVNV Funding continues to report this collection on my credit file. This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which require that all reported information be accurate and verifiable.

I am requesting a full investigation and that the account be removed or corrected if LVNV can not furnish proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: SC

Complaint narrative:
They keep putting a collection on my credit report and I have no debt with them and have no idea where it is coming from...

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 2025-06-07 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-07 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 

EQUIFAX 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 has violated my rights. 

EXPERIAN 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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