vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Inaccurate Reporting of XXXX Student Loan Request for Deletion To Equifax Dispute Department XXXX XXXX am contacting you to dispute inaccurate information being reported on my credit report regarding a XXXX  student loan account opened on XX/XX/XXXX. The report shows XXXX  days late repeatedly each month, which is factually impossible and misrepresents the true status of the account. Once an account is XXXX  days late, it does not become newly XXXX  days late each subsequent month. This inaccurate reporting is artificially inflating derogatory marks on my report and harming my credit profile. This loan is also over XXXX XXXX XXXX Additionally, this loan has been transferred or sold, and your records indicate XXXX disputes after resolution account transferred or sold. Reporting continuing monthly delinquencies after the transfer is inaccurate under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, which requires accurate reporting and prohibits misleading representations of account statuses. Given these inaccuracies, I am demanding the immediate deletion of this entire account from my credit report. Maintaining this tradeline in its current form is a violation of federal law and is materially and demonstrably inaccurate. Please complete your investigation within the required XXXX days and send me written confirmation of the deletion. If this issue is not resolved promptly, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider all legal remedies available under federal law. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX ( XXXX last name XXXX ) XX/XX/XXXX XXXX XXXX of social 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: WI

Complaint narrative:
I was on autopay before the federal student loan forbearance period. When payments resumed, EdFinancial did not notify me that autopay had been deactivated, nor did they send any email alerts or direct notifications about payments being due or missed. All communication was buried inside their internal message center, which I was not regularly checking because I was relying on autopay and expecting normal notifications.

As a result, I missed several payments without knowing, and my credit score dropped from XXXX to XXXX due to reported delinquencies. Once I became aware of the issue, I immediately paid the full balance. I also reached out to EdFinancial via email to request a goodwill removal, but they declined, stating they only remove reporting for categories like military deployment, unemployment, or bankruptcy, which do not apply to me.

These delinquencies were not caused by neglect or financial hardship, but by a lack of proper communication from the loan servicer. I am requesting the CFPB investigate this issue and assist in having these negative marks removed from my credit report. I have documentation showing there were no direct notifications and that the balance was paid immediately upon discovery.

I am also financially able and fully willing to pay off the entire loan if needed to bring everything into full standing. My request is not to avoid repayment but to correct an unfair reporting outcome caused by a breakdown in communication, not intent or ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CT

Complaint narrative:
I am formally disputing a late payment reported on my XXXX XXXX account ( Account Number : XXXX ). 

This late mark is inaccurate because I was never provided notice of the due date or any missed payment. I received no billing statement, reminder, or warning from the creditor, denying me the opportunity to correct or prevent the issue. 

This failure to notify violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Accuracy and completeness of reported information.

1681s-2 ( a ) ( 1 ) ( A ) Fair and responsible reporting obligations for furnishers.

1681i ( a ) The right to dispute and remove unverifiable information.

I request a reinvestigation and deletion of the late payment mark if the creditor can not provide documented proof of prior notice. I expect a resolution within 30 days, as required by 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This company put a charge off on my credit and they said it was from loan they got from another company.The other company apparently went out of business and I had paid them before the went out of business.I requested a copy of the loan contract and they said they would send it but never did and I asked equifax and transunion to verify this account and they didn't make them prove it but just said they said it's yours and they have different balances with different credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX  XXXX Balance {$840.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/year>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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Fair collections and outsourcing is stating I owe them {$12000.00} since XX/XX/year> in which I know nothing about.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
RE : Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt associated with Account # XXXX. I do not acknowledge this debt and, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide proper validation of this debt.

Until such time as you provide full validation, you are required to cease collection activities. Please provide the following : 1. The name and address of the original creditor.

2. The full account number from the original creditor.

3. An itemized statement of the total debt, including principal, interest, fees, and any other charges.

4. A copy of the original signed agreement or contract indicating my responsibility for the debt.

5. Documentation that Portfolio Recovery Associates has the legal authority to collect on this debt.

In addition, if you have reported this account to any credit reporting agency, I request that you mark it as disputed in accordance with the Fair Credit Reporting Act ( FCRA ).

I also request that you cease all collection efforts, including phone calls, letters, and legal threats, until this validation has been provided. If you continue to pursue this debt without proper validation, you will be in violation of federal law, and I will not hesitate to report your company to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Please respond to this request in writing within 30 days of receipt of this letter. This is a formal dispute and request for validationpreserve all records and communications regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: PR

Complaint narrative:
Transunion has sent me emails indicating that there has bien chances in my credit report when I try to accesos it myself AND has not Beln allowed accesos to it myself.

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 2025-07-13 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:
My name is XXXX XXXX XXXX or XXXX XXXX XXXX, my date of birth is XX/XX/year>. My social security number is XXXX. I have attached my license and social security card for identity. I checked my credit and noticed several severe inaccuracies. In the personal information section, I am requesting that the following reporting be corrected. 1. XXXX XXXX XXXX should be the only name on my credit report- delete any other names. 2. XXXX XXXX XXXX XXXX XXXX, remove this address, I never lived here. 3. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, remove this address, I never lived here. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ca, remove this address, never lived here. 5.remove every phone number you have those are not my numbers. The only number that is mines is XXXX. Please do not mix up or add anyone else 's information to my credit file. The following personal information section should list the following as accurate information : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX of birth : XX/XX/year> Social Security number : XXXX Current address : XXXX XXXX XXXX XXXX XXXX Va XXXX. Only phone number I have is XXXX correct this information as soon as possible this is hurting my student services finances. Also I have credit card accounts that are not reporting at all, but I will submit this via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against XXXX XXXX ( XXXX ) for their repeated deception, stalling tactics, and bad faith conduct in handling my prepaid gift card disputes. I currently have XXXX open dispute cases : - XXXX - XXXX XXXX In each case, I submitted all required documents multiple times : my photo ID, card photos, utility bill, bank statement, and a selfie holding my ID. Yet XXXX kept lying, claiming documents were blurry or incomplete even after I resent high-quality versions repeatedly. They ignored my requests for escalation and continued looping the same demands with no resolution. 

I filed a formal complaint with the Nevada XXXX XXXX XXXX ( Complaint XXXX XXXX  ), which remains open. Instead of resolving the issue, XXXX submitted a misleading response to the state regulator, falsely claiming they never received documentation. This is demonstrably false I have all screenshots, emails, and attachments to prove it. 

XXXX  internal teams are either incompetent or intentionally dishonest. Their dispute process is designed to frustrate customers until they give up. I now have clear proof that they received and acknowledged my documentation and still closed my case ( XXXX ) with a false claim of no response. and never resolve any of my other cases. 

I am preparing to file a formal complaint with the Nevada Attorney XXXX XXXX as well and will escalate further to the FTC if needed. 

I am also preparing to file a police report to document this matter formally, though it should not be required for a basic consumer protection claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management must delete a collection that is over 10-years old. They did not legally purchased this debt.

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX XXXX XXXX XXXXXXXX respectively. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Account # XXXX ( Portfolio Recovery Associates ) I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide by " XXXX Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My XXXX AMEX XXXX reward cards have balances but they do not work. I've asked AMEX XXXX rewards support on why my cards do not work anywhere online or instore. They said that the cards only work at locations where they don't ask for name or address. That pretty much makes my card unusable practically anywhere because most vendors need name and address to match. 

It looks like AMEX designed their cards intentionally making them unusable. They use security as an excuse to prevent their cards from practically usable. 

I have searched online and I'm apparently not the only XXXX. There are XXXX of posts online with other people like me facing the same issue. There is no reason for AMEX to practically make them unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX or XXXX XXXX XXXX, my date of birth is XX/XX/1996. My social security number is XXXX. I have attached my license and social security card for identity. I checked my credit and noticed several severe inaccuracies. In the personal information section, I am requesting that the following reporting be deleted and corrected. 

XXXX. XXXX XXXX please remove The correct spelling is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove this address, I never lived here. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, remove this address, I never lived here. 

XXXX. XXXX, remove this phone, not mines XXXX. XXXX not mines remove XXXX. XXXX not mines remove XXXX. XXXX not mines remove Please do not mix up or add anyone else 's information to my credit file. The following personal information section should list the following as accurate information : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX of birth : XX/XX/1996 Social Security number : XXXX Current address : XXXX XXXX XXXX XXXX XXXX Va XXXX. 

Please correct this information as soon as possible this is hurting my student services finances.

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 2025-07-13 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: TX

Complaint narrative:
XXXX ran my credit report with out my consent or knowledge. It was for the XXXX XXXX XXXX XXXX XXXX. I did not apply or authorize any one to run my credit report. This is the second time someone has tried to open a line of credit in my name. It is fraud and identity theft.

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 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Debt XXXX sent me a letter or a mail trying too collect I do not owe too them I have never had buensies with them

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 2025-07-14 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:
To the Consumer Financial Protection Bureau, I am writing to dispute an inaccurate collection account that appears on my Equifax credit report. The entry in question is a collection account reported by : Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Balance : {$800.00} Account Number : XXXX Date Opened : XX/XX/year> This account does not belong to me. I did not open or authorize any loans, credit lines, or similar financial accounts in 2025. In fact, I filed for bankruptcy prior to this date, and have not applied for any credit or financial services since then. 

I have previously informed Equifax that this account is not mine, yet it remains on my credit report. This is a case of either mistaken identity or fraudulent reporting. 

I respectfully request that this account be investigated and removed from my credit file, as it is inaccurately attributed to me and is damaging my credit profile. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation