vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am disputing the collection account with CITI account number XXXX dated XX/XX/year>, with a balance of {$4100.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CITI, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-12 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: GA

Complaint narrative:
I'm writing to ask all credit bureaus to please remove all negative items from my credit report. Because my info was exposed in the three billion people data breach that accured. And under FCRA LAWS I want everything removed 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 2025-01-12 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: GA

Complaint narrative:
I'm writing to ask all credit bureaus to please remove all negative items from my credit report. Because my info was exposed in the three billion people data breach that accured. And under FCRA LAWS I want everything removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
After applying for a HELOC with Huntington Bank, an appraisal was ordered.The appraisal was grossly inaccurate and subsequently I was not given the full amount I asked for when applying for the line of credit. After learning of the large error of square footage of this home, I informed the bank manager who did absolutely nothing to correct this error. 
Add to this, many retaliatory issues from this bank after moving my XXXX from Huntington Bank ; all of which will be dealt with through the proper channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-12 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: TX

Complaint narrative:
Equifax Admitted that my information was compromised due to the Equifax data breach, and Equifax did nothing please help me delete the following accounts immediately XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
( MY PHOTO ID SHOWS MY OLD ADDRESS, XXXX XXXX XXXX XXXX XXXX TX XXXX. I DO NOT LIVE HERE ANYMORE. I WILL UPDATE MY PHOTO ID TO MY NEW ADDRESS AS SOON AS POSSIBLE TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE DISPUTED SEVERAL ACCOUNTS THAT ARE INACCURATE ON MY CONSUMER REPORT. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE, AND 3 ACCOUNTS ARE ALSO PAST THE STATUE OF LIMITATIONS AND PAST THE STATUE OF LIMITATIONS FOR COLLECTION IN MY STATE. THESE ARE CLEARLY VIOLATIONS OF MY RIGHTS UNDER THE FCRA. THE ACCOUNTS ARE INACCURATE, UNVERIFIED AND MUST BE DELETED OR I WILL HAVE TO PURSUE OTHER AVENUES TO BE COMPENSATED AND HAVE THE ACCOUNTS DELETED FROM MY CONSUMER REPORT IMMEDIATELY. DELETE THESE ACCOUNTS ( 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 XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN THE 3 CRA 's & LATE PAYMENTS IN THE PAYMENT HISTORY. THESE ACCOUNTS ARE NOT LATE AND MUST BE UPDATED TO PAID AS AGREED. PAID ON TIME IN THE ENTIRE PAYMENT HISTORY. ( 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 2025-01-12 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:
These hard pull inquiries were pull on my credit report without my knowledge or consent. I want these inquiries deleted off my credit report immediately as they are hurting my ability to purchase a new home. 

XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
Ive tried to contact the following company to remove the below accounts from my credit report, which are reported in laccurately. These accounts are not mine though. Do I have any knowledge of these accounts.They have not responded and or provide approve that how old is that and based on15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies and furnishers of information must investigate disputed information within 30 days. 

These accounts are accounts reporting inaccurately to XXXX  XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}. 

These accounts are reporting inaccurate Transunion XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. 

These accounts are reporting innacurate to XXXX XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. XXXX XXXX {$2900.00}, XXXX XXXX {$680.00}, XXXX XXXX {$240.00}

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 2025-01-12 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:
Ive tried to contact the following company to remove the below accounts from my credit report, which are reported in laccurately. These accounts are not mine though. Do I have any knowledge of these accounts.They have not responded and or provide approve that how old is that and based on15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies and furnishers of information must investigate disputed information within 30 days.

These accounts are accounts reporting inaccurately to XXXX XXXX XXXX XXXX  {$13000.00}, XXXX XXXX XXXX  {$840.00}. 

These accounts are reporting inaccurate XXXX XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. 

These accounts are reporting innacurate to equifax XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. XXXX XXXX {$2900.00}, XXXX XXXX  {$680.00}, XXXX XXXX {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX, I requested information on this debt and I was provided a response. This company is NOT licensed to collect any debt in the state of Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I am disputing the collection account with CITIZENS BANK NA account number XXXX dated XX/XX/year>, with a balance of {$21000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CITIZENS BANK NA, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: TX

Complaint narrative:
I received the email that I was supposed to have my student loans forgiven from the federal government, but it has XXXX to drop off my credit and I am trying to purchase things like a home or get my business started, but they havent removed anything. The finance company is XXXX XXXX XXXX, which is the federal loan people and I talk to their XXXX XXXX XXXX I have yet to receive anything. Also Ive had my data breached as well. They havent been letting me know thats been breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> my account was hacked and money was transferred unauthorized for {$670.00} I immediately called Chime Dispute to resolve and report the incident giving them all the information i can provide I explained that i was at work and we dont have access to our phones while at work due to the job I do as they were examining the report i got results back and they claim that there was no problem with the transaction even tho there is valuable evidence showing that it was fraudulent and unauthorized I've tried reopening this case 3 times and they keep denying it Ive given all the best proof i can in this situation and they steady saying the same thing Im eligible for refund then asoon as i ask the status of whats going on they say its coming back then later in the day I get email saying its denied they give false hope and i been with them for 5 yrs now and im regretting staying with them theyre unprofessional at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This complaint serves as a cease and desist against National Credit Systems Inc.

To date, NCS has failed to provide any sort of proof that they legally own this alleged debt they are attempting to collect. Furthermore, I was NEVER properly notified of the alleged debt and all I was given was a notice of negative credit reporting due to my failure to make arrangements to satisfy this alleged debt. This is a clear violation of FDCPA and FCRA laws as there is zero evidence that this alleged debt is mine and that NCS can collect on it. NCS has violated several laws and regulations in regards to this alleged debt and I am now asking the CFPB to step in and ensure NCS compliance with my cease and desist as they have ignored it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
I am submitting this formal complaint against Experian for failing to properly investigate and resolve my disputes regarding the following inaccurate charge-off accounts on my credit report : On XX/XX/year>, I disputed the following charge-off account on my credit report due to errors and lack of accurate reporting with Experian : XXXX XXXX  in the amount of {$370.00}. They have failed to provide adequate documentation to verify the validity of this account upon my request and errors on my credit report from Experian, show the date of first delinquency is inaccurately reported, making the debt appear newer than it is. This is illegal. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), Experian is required to ensure accurate reporting and conduct reasonable investigations. To date, no valid documentation has been provided to verify this account. Additionally, the recent CFPB lawsuit against Experian underscores concerns about inadequate dispute investigations, which I have experienced firsthand. 

I am requesting the CFPBs intervention to demand the removal of this account if Experian can not provide sufficient evidence.

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 2025-01-12 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: 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. 


Account Name : XXXX XXXX XXXX XXXXXXXX 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 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 2025-01-12 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: 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. 


Account Name : XXXX XXXX XXXX XXXXXXXX 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 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