vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/year>, I discovered that my federal student loans are being reported multiple times across different servicers, including Navient, XXXX, and XXXX. These duplications appear under different account numbers but represent the same original Department of Education loans, resulting in inflated balances and a misrepresentation of my overall debt. 

Between XXXX and XX/XX/year>, I submitted disputes to the credit reporting agencies ( XXXX, XXXX, XXXX ) and contacted the servicers requesting verification and correction. To date, no action has been taken to resolve the duplicate reporting. This is affecting my debt-to-income ratio, credit utilization, and eligibility for financial products and housing. 

I am requesting a full investigation, validation of the accurate and current servicer, and removal of all duplicate student loan entries from my credit reports under the Fair Credit Reporting Act ( FCRA ). I am also requesting confirmation from the servicers that they have coordinated with the Department of Education or NSLDS to reflect only accurate and non-redundant loan data. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Once a dispute is filed, credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days. If the information in question is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected. Additionally, data furnishers, such as student loan servicers like Navient, XXXX, and XXXX, are prohibited from reporting information they know or reasonably should know is inaccurate. If these accounts are duplicative or were transferred among servicers, only the current servicers account should appear on my credit report. Multiple entries for the same obligation are misleading and inflate my reported debt, which is a violation of FCRA accuracy standards. 

Furthermore, under the Uniform Commercial Code ( UCC ) 9-210, I have the right to request an accounting of the obligation and a verification of the entity currently servicing or owning the debt. This supports my request that each reporting entity provide documentation validating the accuracy of the account they are reporting. If any servicer is reporting a transferred, closed, or reassigned loan, that account should be removed immediately to comply with federal law. These duplications are causing material harm to my creditworthiness and must be corrected without delay.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the collection account listed under my name with your agency. After reviewing my records, I believe this debt is either incorrect, has been reported inaccurately, or I was never properly informed about it. I request that you review the details of this account and provide clarification regarding its origin and legitimacy. If this debt is valid, I am open to working with you towards a fair and reasonable resolution. I am willing to discuss payment options that reflect my current financial circumstances. In the spirit of resolving this matter fairly, I propose the following solutions for consideration : SUNRISECRED ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Issue : Attempted to collect on a debt not owed / Failure to validate/ Credit reporting without investigation Consumer Complaint Narrative : On XX/XX/year>, I mailed a certified debt validation letter to XXXX XXXX XXXX regarding an account ( # XXXX ) that I do not recognize and is being reported to Experian and Equifax. I never received a response. Instead, my letter was returned undeliverable, and they emailed me a settlement offer on XX/XX/year> violating my rights under the FDCPA and FCRA. 

I have never lived in Texas, and this debt is not mine. Yet the account remains on my credit reports with both Experian and Equifax. This is causing me harm and appears to be illegal collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
only address that should be reporting on all credit bureaus is XXXX XXXX XXXX XXXX XXXX Florida XXXX only phone number that should be reporting on credit report XXXX. only birthday that should be reporting is- XX/XX/year>. only job that should be reporting is XXXX XXXX. only name that should be reporting is XXXX XXXX. Please remove any information that is not listed above from XXXX, XXXX and XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I am writing to dispute a late payment record that has been incorrectly included in my credit file. I have always taken great care to fulfill all financial obligations on time, and I firmly believe that this entry is a mistake.

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 2025-07-19 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: MA

Complaint narrative:
I am disputing an account originally associated with XXXX XXXX  that is now being reported as a collection account with a balance of {$11000.00}. The account ( ending in XXXX ) was allegedly opened on XX/XX/XXXX. I have no knowledge of this debt and never authorized it. 

It appears this account was sold or assigned to Midland Credit Management, yet it is still appearing on my credit report. I have not received any written communication or proper validation of this alleged debt from Midland Credit Management. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I am formally requesting full validation of the debt, which includes : A signed contract or agreement with the original creditor ; A complete itemized account history ; Proof of legal assignment or purchase of the debt ; The Forward Flow Agreement showing whether documentation and warranties were transferred ; Proof of Midland 's licensing to collect debt in my state. 

Merely providing pre-printed or archived statements is not sufficient validation. Federal courts have consistently held that such generic documents do not meet the standards of verification under the FDCPA. For example : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX ), the court ruled that old billing statements from the original creditor, without supporting documentation or a signed agreement, were insufficient as debt validation. 

In XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court found that vague printouts and archived statements did not meet FDCPA requirements. 

In XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that verification must demonstrate the relationship between the consumer and the original creditor, not just billing records. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), further clarified that if charges or balances are disputed, the collector must substantiate them, not just show numbers on a page. 

If Midland Credit Management can not validate the debt with legally sufficient documentation, then reporting this account to the credit bureaus constitutes a violation of FCRA XXXX ( b ), XXXX ( b ) and FDCPA XXXX ( b ), XXXX, and exposes them to liability. 

This also serves as a cease and desist notice under FDCPA 805 ( c ). Any further contact from XXXX without proper validation will be treated as harassment and may be reported to the CFPB, FTC, and/or pursued legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
There is an unfamiliar and unauthorized account appearing on my credit report. I have never opened or maintained such an account, and I believe it was added due to identity theft or reporting error.

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 2025-07-19 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: IA

Complaint narrative:
THEIR ARE FRAUD ACCOUNTS REPORTING ON 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 2025-07-19 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: IA

Complaint narrative:
THEIR ARE FRAUD ACCOUNTS REPORTING ON MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NC

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 2025-07-19 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: AZ

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 non-monetary relief
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : XXXX. Inadequate investigations that fail to address consumer disputes adequately XXXX. Reinsertion of previously disputed and inaccurate information without sufficient explanation XXXX. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-07-19 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. This is hurting my ability to obtain credit.

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 2025-07-19 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
about XXXXXXXX XXXX XXXX this year, XXXX charges are being made via using paypal. the company is XXXX XXXX  which has nothing to with XXXX XXXX and is clearly a fraudulent company. purports to be in that business and sends out invoice and charges via paypal and {$95.00} and XXXX times in a month. and paypal has not reversed all the scammy charges that they should know is all fraudulent by a company that is like pretends to be a similar sounding ( well same ) but it isnt. i could be all XXXX XXXX and i could probably register that name if not whatever something. paypal should know it was XXXX fake and why. XXXX is XXXX  like they alls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-19 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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