vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am an upstanding ARMY VETERAN and LAW ENFORCEMENT OFFICER who was impacted by Equifax Data Breach and also XXXX XXXX XXXX XXXX. My NAME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Equifax XXXX ( Equifax ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNTS AND INFORMATION Despite my previous disputes, Equifax continues to report the following inaccurate information on my consumer credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Equifax : FRAUDULENT ACCOUNTS INFORMATION a ) DEPT OF EDXXXX Account XXXX. XXXX XXXX : XXXX XXXX. {$6200.00} b ) DEPT OF ED/XXXX Account XXXX XXXXFraud Begun : XXXX XXXX. {$4500.00} c ) DEPT OF ED/XXXX/ Account XXXX XXXXFraud Begun : XXXX XXXX. {$3200.00} d ) DEPT OF ED/XXXX/ Account XXXX XXXXFraud Begun : XXXX XXXX. {$3200.00} XXXX ) DEPT OF ED/XXXX/ Account XXXX. XXXX/Fraud Begun : XXXX XXXX. {$3200.00} f ) DEPT OF EDXXXX Account XXXX. XXXXFraud BeguXXXX : XXXX XXXX. {$1900.00} g ) XXXXXXXX XXXX XXXX/ Account No. XXXX/Fraud Begun : XXXX XXXX. {$1900.00} Despite my reasonable investigation requests Equifax has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Equifax violates VIOLATION : 15 U.S.C. 1681i - INVESTIGATION PROCEDURES Equifax dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the late payment history being reported on the following account is incorrect and is negatively impacting my Equifax credit profile : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$41000.00} The reported late payments are the result of errors and do not accurately reflect my payment history. This account is in good standing, and I request that the inaccurately reported late payments be thoroughly investigated and corrected. I am not disputing the account itselfonly the erroneous late payment entries. 
I have contacted both the credit reporting agency and the data furnisher previously, but the issue remains unresolved. Enclosed with this letter are supporting documents, including screenshots of my credit report, to demonstrate the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 non-monetary relief
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-31 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-31 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-10-31 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: SC

Complaint narrative:
I am disputing the XXXX XXXX collection accounts currently appearing on my credit report. These accounts contain several factual inaccuracies and duplicates that make the information unverifiable and misleading. The information is wrong and needs to be deleted. 

The XXXXXXXX XXXX accounts connected to XXXX XXXX XXXX  and XXXX XXXX are reporting incorrect and conflicting data. Specifically : The same debts are listed more than once under slightly different names ( XXXX XXXX and XXXX XXXX XXXX ). 
The Date Opened and Last Activity fields contain impossible or future dates ( for example, activity listed in 2025 ). 
Account statuses are all over the place, some versions show Open, others Closed, while also marked Charge-off. 
The payment history is also mixed up, showing on-time payments for charged-off accounts. Balances are still reporting even though the accounts are closed. With all these errors and duplicates, the information cant be verified. 
Balances remain active on closed or transferred accounts. 
The original creditor information is unclear or missing across duplicate listings. 

These inconsistencies violate the accuracy requirements of the Fair Credit Reporting Act ( FCRA 602 and 611 ). Because the information can not be verified as accurate or complete, I am requesting that the XXXX XXXX collection accounts be deleted entirely from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-10-31 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Im not associated with these accounts in any way ; they must be removed within 15 days as per USC 1681g.

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 2025-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: GA

Complaint narrative:
Against : Climb Credit Summary of the Issue : Climb Credit advertises itself as a responsible education lender that partners only with schools offering legitimate, high-quality programs and strong career outcomes. However, my experienceand that of many other borrowersshows that Climb Credit fails to properly vet the schools they finance. The companys marketing and lending practices mislead students into believing they are investing in training that will reliably lead to high-paying jobs, particularly in web development and other tech fields.

Details of the Complaint : I enrolled in a web development program financed through Climb Credit based on their promotional claims and materials suggesting that : Climb Credit only partners with quality schools vetted for strong career outcomes.

Graduates of these programs routinely obtain high-paying jobs.

Financing with Climb Credit is a smart investment in a guaranteed career path.

These representations proved false. The school Climb Credit financed in my case offered subpar instruction, inadequate job placement assistance, and misleading job outcome statistics. Despite numerous student complaints and evidence of poor results, Climb Credit continued to lend to new students at this institution, showing a failure of due diligence and oversight.

Additionally, Climb Credits loan process involved high-pressure sales tactics, urging quick enrollment and loan acceptance before students could adequately research either the lender or the school. These tactics disproportionately affect young or financially inexperienced individuals who are vulnerable to persuasive marketing and the promise of quick career advancement.

Why This Matters : Climb Credits actions appear to constitute : Deceptive marketing and misrepresentation about the quality and job outcomes of their partner schools.

Predatory lending practices that target students with little financial literacy. 
Negligent vetting of partner institutions, allowing poor-quality programs to continue harming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I never authorized its establishment or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were made without my knowledge, authorization, or consent, and therefore violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b XXXX XXXX XXXX  XXXX ] [ Date of Inquiry ] XX/XX/year> please investigate and resolve this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
What happened : On XX/XX/year>, I mailed a written debt validation request to Midland Credit Management , Inc. at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding two alleged accounts being reported to the credit bureaus under my name : Account # XXXX : XXXX Amount claimed : {$590.00} Account # XXXX : XXXX Amount claimed : {$710.00} In my letter I requested the original agreements, itemized accounting, proof of ownership/assignment, payment history, and Midlands license to collect in Connecticut. As of XX/XX/year>, more than 30 days have passed and I have not received any written validation or documentation from Midland Credit Management. 

Additionally, Midland is reporting these accounts to the credit bureaus as the original creditor, which is false and misleading Midland is a debt collector, not the original creditor. Their reporting as the original creditor makes it difficult to verify ownership of the debt and is causing incorrect/ misleading information on my credit report.

This failure to validate the debt and the inaccurate reporting violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g and 1692e ) and consumer reporting standards. I request that the CFPB investigate Midlands failure to provide validation and its misleading reporting practices, and that Midland be required to stop reporting or collecting on these accounts until full verification is provided. If Midland can not verify the debts, I request that these accounts be removed from all credit reports immediately.

Company response to consumer: Closed with explanation