vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 2025-11-14 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services
State: CO

Complaint narrative:
XX/XX/year> I received an email from XXXX XXXX stating there was a student loan that was added to my report. I contacted all credit bureaus, XXXX  XXXX XXXX and Edfinancial Services. The XXXX  XXXX XXXX contacted me right away, they resolved the issue and sent me a letter stating they found that the loan was in fact due to stolen identity. Edfinancial Services customer service kept telling me that there was something missing each time I called, even though I mailed literally everything they asked for. I decided to be safe I would send everything again, and when I called back a few months later they said they would email and mail more info they needed from me. They never emailed or sent anything. I then decide to send the letter I received from the XXXX  XXXX XXXX XXXX Edfinancial Services, I received an email stating they would submit that information and would get back to me. I have not received a call, an email, or mail from them regarding the identity theft, the only emails they have sent are regarding the loan payment I was late on paying. At this point, I don't feel like they are trying to assist and make sure this is taken off of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My XXXX  credit report is showing inaccurate late payment information for my American Express ( AMEX ) account opened on XX/XX/year>, and reported on XX/XX/year>. The report shows late payments for XXXX and XX/XX/year>, even though I made my payments on time and my account is currently reported as in good standing. These late payment notations are incorrect and have negatively impacted my credit score. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, which require XXXX  to maintain reasonable procedures to assure maximum possible accuracy and to investigate disputed information. It also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers such as American Express from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

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 2025-11-14 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: IN

Complaint narrative:
In XX/XX/year> my mortgage was fully current when XXXX approved me for a forbearance beginning XX/XX/year>, with a {$0.00} monthly payment due from XXXX through at least XX/XX/year>. XXXX never informed me that they would report past-due payments during or after the forbearance, nor did they disclose that payments would be blocked. 

During the forbearance period, XXXX reported me as 30, 60, 90, 120, and 150 days late, including a late payment reported in XXXX XXXX, even though the forbearance documents list a {$0.00} required payment for those months. They also did not indicate on my credit report that the account was in forbearance. 

In XXXX and XX/XX/year>, XXXX sent conflicting statements showing that they were treating the forbearance months as delinquent and reporting me late until payments are caught up. This was never disclosed when I applied for the forbearance, and contradicts the CARES Act requirement that a current account must continue being reported as current during the accommodation. 

In XXXX and XX/XX/year>, I attempted to resume making payments, including requesting to make the XXXX and XXXX payments. XXXX told me I was not allowed to make payments, and they rejected my payment attempts. I was forced to place a stop payment with my bank for protection because XXXX would not apply or accept the payment but continued to show the account as delinquent. They are also showing future delinquency through XXXX even though I tried to pay. This practice is unfair, misleading, and resulted in delinquency created solely by XXXX servicing actions. 

I requested clarification, servicing records, and correction of the inaccurate reporting, but XXXX did not provide the information and did not correct the errors. Because of the inaccurate late reporting during a {$0.00} forbearance, the failure to indicate the account was in forbearance, the refusal to accept payments, and the lack of disclosure about these consequences, I am asking for CFPB assistance to ensure the tradeline is corrected and the account is reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/year> my mortgage was fully current when XXXX approved me for a forbearance beginning XX/XX/year>, with a {$0.00} monthly payment due from XXXX through at least XX/XX/year>. XXXX never informed me that they would report past-due payments during or after the forbearance, nor did they disclose that payments would be blocked. 

During the forbearance period, XXXX reported me as 30, 60, 90, 120, and 150 days late, including a late payment reported in XXXX XXXX, even though the forbearance documents list a {$0.00} required payment for those months. They also did not indicate on my credit report that the account was in forbearance. 

In XXXX and XX/XX/year>, XXXX sent conflicting statements showing that they were treating the forbearance months as delinquent and reporting me late until payments are caught up. This was never disclosed when I applied for the forbearance, and contradicts the CARES Act requirement that a current account must continue being reported as current during the accommodation. 

In XXXX and XX/XX/year>, I attempted to resume making payments, including requesting to make the XXXX and XXXX payments. XXXX told me I was not allowed to make payments, and they rejected my payment attempts. I was forced to place a stop payment with my bank for protection because XXXX would not apply or accept the payment but continued to show the account as delinquent. They are also showing future delinquency through XXXX even though I tried to pay. This practice is unfair, misleading, and resulted in delinquency created solely by XXXX servicing actions. 

I requested clarification, servicing records, and correction of the inaccurate reporting, but XXXX did not provide the information and did not correct the errors. Because of the inaccurate late reporting during a {$0.00} forbearance, the failure to indicate the account was in forbearance, the refusal to accept payments, and the lack of disclosure about these consequences, I am asking for CFPB assistance to ensure the tradeline is corrected and the account is reported accurately.

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 2025-11-14 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: NJ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital is reporting multiple XXXX accounts with false opened dates in XXXX, even though the original loans were opened in XXXX. Reporting a newer opened date is illegal re-aging under FCRA 623 ( a ) ( 5 ). 

I have the original XXXX loan agreements showing the correct opened dates ( XXXX ). I also have the official XXXX email notifying me the debt was sold to Jefferson Capital, including the exact sale date. Jefferson Capital is using the sale date as the new opened date, which is unlawful. 

I submitted a full written validation request and asked for : original creditor information original opened dates original delinquency dates itemized statements chain of ownership/assignment copies of any signed contracts with my signature Jefferson Capital did NOT provide : any document with my signature any signed loan agreement any itemized statements any original creditor documentation any proper validation required by law For one of the accounts they claim I owe ( {$62.00} ), they sent me a blank page as validation. 
This is a direct violation of FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ), which requires the collector to provide verification of the debt, or a copy of the judgment before continuing collection or reporting. A blank page does not satisfy legal validation requirements. 

Because they : failed to validate the debts ( FDCPA 809 ( b ) violation ), continued reporting without proper validation, provided incomplete and irrelevant documents, reported false and misleading dates ( FCRA 623 ( a ) ( 1 ) & 623 ( a ) ( 5 ) violations ), re-aged the accounts by using the sale date as date opened, and provided no signed agreements proving I owe the debts, I am requesting full deletion of all Jefferson Capital accounts from my credit reports due to unlawful reporting, failure to validate, and re-aging.

I am submitting only the documents necessary for the CFPB to review my complaint. I do not consent to providing Jefferson Capital with additional documents beyond what is required because I am not obligated to assist a debt collector in collecting or validating a debt. My evidence will be sent directly to the CFPB for review, not to Jefferson Capital, as I prefer the CFPB to evaluate the violations independently without giving the collector additional information to use in collection efforts. If more is required from CFPB I am happy to send separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NC

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 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 2025-11-14 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: SC

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 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