vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-03-15 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: VA

Complaint narrative:
My credit score with Equifax was XXXX, and as of a few days ago, it was XXXX. This is because XXXX reported me delinquent and late for a closed account that is over XXXX years old and needs to be deleted and removed from my Equifax credit report ASAP. What is going on is XXXX, like other creditors are changing the dates, etc., to keep these items on my credit report longer than they are supposed to be. This is illegal, and I am not standing for it anymore until this information is removed from credit report once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hard Inquiry XXXX XXXX XXXX inquired on XXXX XXXX  XXXX  inquired on XXXX XXXX inquired on XXXXXXXX XXXX Inquired on 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the past several months, I have submitted multiple formal disputes with the credit reporting agencies regarding inaccurate and misleading information appearing on my consumer credit reports. These disputes concern multiple accounts from various furnishers, including major credit card issuers and lenders. Despite providing documentation and citing legal obligations under the Fair Credit Reporting Act ( FCRA ), the errors persist without resolution, and the responses received have been superficial and procedurally deficient. 

The issues include : Repeated and duplicate Charge-Off reporting across multiple months, which artificially inflates derogatory impacts and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards XXXX 
Manipulated delinquency timelines, where furnishers are reporting the same late payment statuses for consecutive months long after the date of first delinquency ( DOFD ). This practice, known as re-aging, is expressly prohibited under FCRA 1681c ( a ) and related FTC Staff Opinion Letters.

Incomplete or missing monthly payment history, where multiple tradelines lack consistent reporting data across extended timeframes, resulting in materially incomplete and unverifiable credit records, contrary to FCRA 1681i ( a ) ( 5 ) ( A ) ( ii ). 
Failure of furnishers and credit bureaus to conduct reasonable reinvestigations, instead returning the boilerplate response of verified as accurate without providing documentation or addressing the specific errors raised. This pattern reflects the same sham investigation conduct cited in the CFPBs own legal action against Experian. 
Despite multiple rounds of disputes and reinvestigationsdating back several monthsthe information remains unchanged and continues to harm my credit profile, creditworthiness, and financial opportunities. Most recently, I received responses stating certain accounts were merely updated, while many others were labeled verified as reported without any substantive justification or correction. 

These persistent inaccuracies have had a negative and unjustifiable impact on my credit scores, leading to higher interest rates and denials of financial opportunities, and are directly attributable to noncompliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I sent letters even open up an complaint with XXXX before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: EdFinancial Services
State: NC

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team ( the XXXX XXXX XXXX XXXXXXXX ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains my personal information, as I was enrolled in the federal student aid program. My information was amongst the dataset that was compromised. 

As a licensed physician, I find it unconscionable that my personal information has been compromised in a way that many of my colleagues ' ( who had enough family money to not need student loans ) has not been. I have been struggling with living in residency, as I have tried to save money to begin payments and for years they have been looming and then the date to begin payment prolonged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
Hard Inquiry XXXX XXXX XXXX inquired on XXXX XXXX  XXXX  inquired on XXXX XXXX inquired on XXXXXXXX XXXX Inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The information is outdated and has been removed from my credit report, but TransUnion continues to report it. This account is missing details, and it has been discharged and it's been closed was removed from my credit report

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 2025-03-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed 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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
on XXXX XXXX, 2025 XXXX XXXX  Insyruted his team of foolower to govrment Efficiency ( XXXX  ) to gain access to multiple people accounts systems within the Department of Education including finanical dateset Contains the personal information of millions of people enrolled in the federal student aid program. My information was one that was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  is alleged to be owed XXXX and is reporting illegally to your credit reporting agency and others. 
I dispute this debt in its entirety and was not given the opportunity to dispute this alleged debt that does not belong to me. Therefore, I will testify to this in a court of LAW that XXXX XXXX did not deliver to me the initial notice as required in accordance with FEDERAL Law. I demand PROOF that I received the initial VALIDATION NOTICE that affords the consumer the RIGHT to dispute the alleged debt! 
I will aware in a court of law that I received NOTHING from the office of XXXX XXXX. 
I DEMAND PROOF of my receiving the notice by providing me a tracking number that will reveal the date that the notice was delivered or DELETE this alleged debt information from my credit report ( XXXX ) immediately. 
I am also requesting information regarding the names of the attorney ( s ) who reviewed the file regarding this alleged debt that Is containing my non public personal information.

Also if this alleged debt was purchased by your agency then what was the amount the debt was purchased for? I request the information because the amount reporting should reflect the accurate amount after the debt amount should decrease amount due to your alleged payment.

If the adjustment was not made then the amount reporting is inaccurate. This account must be DELETED because it is not my debt, Status is not correct, Alledged Amount is inaccurate the account was alledgedly paid by the a third party. 
Additionally, I have requested information regarding the Transfer of Ownership along with thePurchase Agreement that should reveal ALL parties involved. 
Remove this alledged erroneous account from my credit report.

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 2025-03-15 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: LA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over the past several months, I have submitted multiple formal disputes with the credit reporting agencies regarding inaccurate and misleading information appearing on my consumer credit reports. These disputes concern multiple accounts from various furnishers, including major credit card issuers and lenders. Despite providing documentation and citing legal obligations under the Fair Credit Reporting Act ( FCRA ), the errors persist without resolution, and the responses received have been superficial and procedurally deficient. 

The issues include : Repeated and duplicate Charge-Off reporting across multiple months, which artificially inflates derogatory impacts and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards XXXX 
Manipulated delinquency timelines, where furnishers are reporting the same late payment statuses for consecutive months long after the date of first delinquency ( DOFD ). This practice, known as re-aging, is expressly prohibited under FCRA 1681c ( a ) and related FTC Staff Opinion Letters.

Incomplete or missing monthly payment history, where multiple tradelines lack consistent reporting data across extended timeframes, resulting in materially incomplete and unverifiable credit records, contrary to FCRA 1681i ( a ) ( 5 ) ( A ) ( ii ). 
Failure of furnishers and credit bureaus to conduct reasonable reinvestigations, instead returning the boilerplate response of verified as accurate without providing documentation or addressing the specific errors raised. This pattern reflects the same sham investigation conduct cited in the CFPBs own legal action against Experian. 
Despite multiple rounds of disputes and reinvestigationsdating back several monthsthe information remains unchanged and continues to harm my credit profile, creditworthiness, and financial opportunities. Most recently, I received responses stating certain accounts were merely updated, while many others were labeled verified as reported without any substantive justification or correction. 

These persistent inaccuracies have had a negative and unjustifiable impact on my credit scores, leading to higher interest rates and denials of financial opportunities, and are directly attributable to noncompliance with federal consumer protection laws.

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 2025-03-15 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: FL

Complaint narrative:
Over the past several months, I have submitted multiple formal disputes with the credit reporting agencies regarding inaccurate and misleading information appearing on my consumer credit reports. These disputes concern multiple accounts from various furnishers, including major credit card issuers and lenders. Despite providing documentation and citing legal obligations under the Fair Credit Reporting Act ( FCRA ), the errors persist without resolution, and the responses received have been superficial and procedurally deficient. 

The issues include : Repeated and duplicate Charge-Off reporting across multiple months, which artificially inflates derogatory impacts and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards XXXX 
Manipulated delinquency timelines, where furnishers are reporting the same late payment statuses for consecutive months long after the date of first delinquency ( DOFD ). This practice, known as re-aging, is expressly prohibited under FCRA 1681c ( a ) and related FTC Staff Opinion Letters.

Incomplete or missing monthly payment history, where multiple tradelines lack consistent reporting data across extended timeframes, resulting in materially incomplete and unverifiable credit records, contrary to FCRA 1681i ( a ) ( 5 ) ( A ) ( ii ). 
Failure of furnishers and credit bureaus to conduct reasonable reinvestigations, instead returning the boilerplate response of verified as accurate without providing documentation or addressing the specific errors raised. This pattern reflects the same sham investigation conduct cited in the CFPBs own legal action against Experian. 
Despite multiple rounds of disputes and reinvestigationsdating back several monthsthe information remains unchanged and continues to harm my credit profile, creditworthiness, and financial opportunities. Most recently, I received responses stating certain accounts were merely updated, while many others were labeled verified as reported without any substantive justification or correction. 

These persistent inaccuracies have had a negative and unjustifiable impact on my credit scores, leading to higher interest rates and denials of financial opportunities, and are directly attributable to noncompliance with federal consumer protection laws.

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 2025-03-15 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: Experian Information Solutions Inc.
State: MD

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, 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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
I am writing regarding the continued inaccurate reporting on my credit file, despite my initial dispute and my Consumer Financial Protection Bureau ( CFPB ) complaint regarding these errors. Your previous response was insufficient and noncompliant with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As noted, the CFPB has sued XXXX and XXXX for failing to conduct reasonable investigations into consumer disputes. I have yet to receive actual verification, as required by 15 U.S.C. 1681i ( a ). Simply stating that a debt is " verified '' without providing proper documentation directly from the original creditor is a clear violation of federal 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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-15 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: NJ

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolves this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

creditor name : RADIUS GLOBAL SOLUTION account number : 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 explanation