vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Company : XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX )/ XXXX Issue : Incorrect credit reporting / misapplied payments/ false delinquency Description of the Problem : I am filing this complaint because XXXX is reporting inaccurate information regarding my student loan account, despite the fact that I have made consistent payments. Their system is showing a past-due balance and delinquency status that do not reflect my actual payment history. 

I made the following payments ( all confirmed in their system ) : {$2300.00} on XX/XX/year> {$250.00} on XX/XX/year> {$470.00} on XX/XX/year> {$250.00} on XX/XX/year> {$250.00} on XX/XX/year> {$250.00} on XX/XX/year> XXXX additional {$470.00} payments have also been scheduled. 

Despite making payments every month, XXXX is showing an XXXX XXXX XXXX of {$910.00} and coding the account as delinquent. Their error appears to be a system issue where payments are applied to the wrong due cycle, which is consistent with other consumer reports online ( XXXX and XXXX  complaints ). 

Legal Concern : Under the Metro-2 Credit Reporting Resource Guide ( CRRG ), a creditor may only report a 30-day late if no payment at all was received within 30 days of the due date. Partial payments or payments made during the cycle must not be reported as 30 days late. 

Because I DID make payments during all relevant periods, XXXX can not legally report a 30-day or 60-day late. Their reporting violates : FCRA 623 ( a ) inaccurate furnishing of information FCRA 607 ( b ) maximum possible accuracy requirement CFPB Regulation V ( Furnisher Rule ) failure to correct inaccurate information Uploaded Evidence : I am attaching my full payment history directly from XXXX  Connect to demonstrate that I made payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX Date : XXXX XXXX Possible Finance ( Possible Financial Inc. ) Attn : Compliance Department [ Company Address if you have it optional ] Re : Cease and Desist Account Allegedly Owed : {$600.00} From : XXXX XXXX To Whom It May Concern, I am formally notifying you that I dispute the alleged debt of {$600.00} that you claim is owed by XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and all applicable state laws, you are hereby ordered to cease and desist from any and all forms of communication with me regarding this alleged debt. 

For absolute clarity : Reporting this alleged debt to any credit bureau is also considered a form of communication. 
Therefore, you must immediately stop reporting, updating, or otherwise communicating this account to any consumer reporting agency unless you can provide complete, verifiable validation of the debt as required by law. 

Until you provide proper validationincluding, but not limited to, a full accounting, the original signed contract, and proof that you have the legal right to collectyou must cease all collection efforts and remove any credit reporting related to this account. 

Failure to comply with this cease and desist demand will result in me pursuing all remedies available under federal and state law, including statutory damages, complaints to the CFPB, FTC, and my State Attorney General. 

You are required to acknowledge receipt of this notice in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

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 XXXXXXXX XXXX XXXX XXXX XXXX balance {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
After the TransUnion data breach, inaccurate and unverified information began appearing on my credit file. Multiple accounts were suddenly coded as Included in Bankruptcy without any court verification. Several accounts show conflicting payment histories, impossible delinquency patterns, and status codes that contradict each other. These inaccuracies are severe and materially damaging. 

Additionally, multiple hard inquiries appeared that I did not authorize. TransUnion has never provided proof of permissible purpose, signed authorization, or any documentation supporting these inquiries, which is required under federal law. 

I submitted disputes, but TransUnion responded with automated template letters and verified items without providing evidence or performing an actual reinvestigation. Under the Fair Credit Reporting Act, TransUnion is required to conduct a meaningful, good-faith reinvestigation and verify information with original documentation not rely on automated e-OSCAR responses. 

The pattern shows systemic reinvestigation failures and a disregard for FCRA accuracy requirements. The presence of inconsistent bankruptcy coding, false delinquencies, inaccurate personal information, and unverified inquiries strongly suggests that the data breach resulted in corrupted or mixed-file reporting. TransUnion continues reporting information they can not legally verify, which is harmful, negligent, and unlawful.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXXnMidland Credit Management LLC\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXnSubject: Request for Debt Validation under the FDCPA\n\nDear Midlant Credit Management LLC\n\nI am writing in response to your recent communication regarding an alleged debt you claim I owe. This letter is being sent pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, which grants me the right to request full validation of the debt.\n\nI respectfully request that you provide me with the following information:\n\n1. The amount of the alleged debt;\n2. The name of the original creditor;\n3. A detailed breakdown showing how the amount was calculated;\n4. A copy of any judgment (if applicable);\n5. A copy of the original contract or agreement bearing my signature (if applicable);\n6. Documentation showing you are legally authorized to collect this debt in my state.\n\nPlease also include the name and address of the original creditor and any relevant account numbers associated with the alleged debt.\n\nIn the meantime, and as required by federal law, cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation.\n\nThis letter is not an admission of liability. I am merely exercising my rights under federal law to validate the legitimacy and accuracy of the debt you allege I owe.\n\nSincerely,\XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I submitted a formal written dispute to Equifax regarding multiple inaccurate, incomplete, and unverifiable items on my credit report. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX. My dispute was supported with detailed explanations, citations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, the Fair Debt Collection Practices Act ( FDCPA ), and an identity theft report from XXXX  
Despite this, Equifax failed to conduct a reasonable reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ). I received a generic response marking the accounts verified, but no documentation was disclosed to support these verifications, nor was the method of verification provided, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Additionally, identity theft protections were never implemented. Under FCRA 605A and 605B, Equifax is obligated to place a fraud alert and block identity theft-related information within four business days upon receiving proper documentation. This has not occurred, exposing Equifax to further noncompliance. 
# # # Key Concerns by Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improper late and charged-off status despite on-time payment history. This conflicts with internal data and Metro 2 reporting. Violates FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Third-party debt buyer failed to validate debt per FDCPA 809 and FCRA 609 ( a ). No chain of title or account validation provided. Ongoing legal issues with XXXX raise serious credibility concerns. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two accounts with conflicting reports : one charged-off with no DOFD ( FCRA 605 ( a ) ( 4 ) ), and another marked 90 days late despite payment activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed or low-value revolving accounts show late payments without sufficient documentation or accuracy. 
XXXX XXXX XXXX XXXX XXXX  Contradictory data showing full payments and simultaneous late statuses. 
XXXX XXXX XXXX XXXX XXXX XXXX Account shows as managed by credit counseling yet also lists late payments, which is inconsistent per XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I submitted a formal written dispute to Experian regarding multiple inaccurate, incomplete, and unverifiable items on my credit report. These include accounts withXX/XX/XXXXXXXX and XXXX XXXX. My dispute was supported with detailed explanations, citations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, the Fair Debt Collection Practices Act ( FDCPA ), and an identity theft report from 2021.

Despite this, Experian failed to conduct a reasonable reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ). I received a generic response marking the accounts verified, but no document
ation was disclosed to support these verifications, nor was the method of verification provided, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Additionally, identity theft protections were never implemented. Under FCRA 605A and 605B, Experian is obligated to place a fraud alert and block identity theft-related information within four business days upon receiving proper documentation. This has not occurred, exposing Experian to further noncompliance. 

XX/XX/XXXXXX/XX/XXXX Improper late and charged-off status despite on-time payment history. This conflicts with internal data and Metro 2 reporting. Violates FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ). 

* * XXXX XXXX XXXX * * Third-party debt buyer failed to validate debt per FDCPA 809 and FCRA 609 ( a ). No chain of title or account validation provided. Ongoing legal issues with XXXX raise serious credibility concerns. 

XX/XX/XXXX Two accounts with conflicting reports : one charged-off with no DOFD ( FCRA 605 ( a ) ( 4 ) ), and another marked 90 days late despite payment activity. 

XX/XX/XXXXClosed or low-value revolving accounts show late payments without sufficient documentation or accuracy. 

XX/XX/XXXXContradictory data showing full payments and simultaneous late statuses. 

XX/XX/XXXXAccount shows as managed by credit counseling yet also lists late payments, which is inconsistent per Metro 2.

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 2025-11-24 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: NC

Complaint narrative:
I am submitting this as a second formal dispute regarding multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report. Upon thorough review of my file, I identified numerous accounts reported incorrectly, including an inaccurate address, late closed accounts, charge-offs, collections, and inquiries that require detailed verification and correction. These reporting errors are misleading, inconsistent with my actual payment history, and violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), 604 ( a ), and 623 ( a ) ( 2 ), which obligate consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$270.00} Original Creditor 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  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$930.00} Original Creditor 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 non-monetary relief
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that are negatively affecting my credit profile and financial standing. My reported addresses are inconsistent and inaccurate across the three bureaus, including XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX Equifax, and XXXX Wisconsin, XXXX, WI XXXX and XXXX XXXX, XXXX, WI XXXX in TransUnion, none of which fully reflect my verified residency history. Additionally, my XXXX account XXXX, with a balance of {$8900.00} and last activity on XX/XX/XXXX, is reported only in Equifax and omitted from Experian and TransUnion, resulting in incomplete and misleading reporting. Several hard inquiries are also incorrectly listed or outdated, including XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX  ( XX/XX/XXXX ) in Experian, and XXXX XXXX  ( XX/XX/XXXX ) in TransUnion, some of which I did not authorize or which exceed permissible reporting time limits. These discrepancies collectively violate the Fair Credit Reporting Act 605 ( a ), 605B, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), as the information is inaccurate, obsolete, and has not been properly verified or updated, causing harm to my creditworthiness and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that are negatively affecting my credit profile and financial standing. My reported addresses are inconsistent and inaccurate across the three bureaus, including XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX Equifax, and XXXX Wisconsin, XXXX, WI XXXX and XXXX XXXX, XXXX, WI XXXX in TransUnion, none of which fully reflect my verified residency history. Additionally, my XXXX account XXXX, with a balance of {$8900.00} and last activity on XX/XX/XXXX, is reported only in Equifax and omitted from Experian and TransUnion, resulting in incomplete and misleading reporting. Several hard inquiries are also incorrectly listed or outdated, including XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX  ( XX/XX/XXXX ) in Experian, and XXXX XXXX  ( XX/XX/XXXX ) in TransUnion, some of which I did not authorize or which exceed permissible reporting time limits. These discrepancies collectively violate the Fair Credit Reporting Act 605 ( a ), 605B, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), as the information is inaccurate, obsolete, and has not been properly verified or updated, causing harm to my creditworthiness and financial reputation.

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 2025-11-24 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:
Is reporting as a charge off and it was paid before charge status I have a letter from the bank supporting my complaint

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation