vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, Thank you for your response to my recent inquiry regarding the charged-off account listed in my name. 

While I acknowledge that the last payment on the account was made on XX/XX/XXXX, and that the account was officially charged off on XX/XX/XXXX, I would like to express my continued concern about how this account is currently being reported to the credit bureaus. 

I understand that under the Fair Credit Reporting Act ( FCRA ), a charged-off account may remain on my credit report for up to seven years from the date of first delinquency. However, I am requesting a re-examination or update of the current reporting status to ensure it fully reflects the accounts accurate status, including : That the account is closed and no longer active That the charge-off amount is correct and not continuing to accrue interest Whether the account has been sold or assigned to any third party Whether any additional collection activity is expected or ongoing I also want to respectfully inform you that I am currently unable to afford repayment of this charged-off account due to financial hardship. I am doing my best to manage essential living expenses and maintain basic financial stability. Given this, I am asking that XXXX consider a XXXX  adjustment to either remove or update the negative entry associated with this account, especially considering that no payment is being pursued at this time. 

Many lenders choose to work with consumers seeking to improve their credit standing by offering such adjustments as a gesture of understanding and fairness. While I realize this is not a requirement, I hope XXXX will consider this request in the spirit of cooperation. 

If removal is not possible, I would appreciate written confirmation that the account has been closed and that no further action will be taken. I would also be grateful for a copy of the final account summary, including how the charge-off amount was calculated. 

Thank you again for your time and consideration. I hope we can resolve this matter fairly, and I am willing to provide additional documentation if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am disputing multiple collection accounts on my credit report that are either inaccurately reported or not mine. Specifically, these accounts include Midland Credit, XXXX XXXX, and XXXX XXXX. 

I have not received proper validation of these debts. Some may be the result of re-aged accounts or accounts opened fraudulently. The credit bureaus and data furnishers have continued to report this information even after disputes, which is a violation of the FCRA and potentially the FDCPA. 

I am requesting that these accounts be investigated thoroughly, with full validation of the original creditor, dates of delinquency, and supporting documentation. If they can not be verified, they should be removed from my credit report immediately. 

These items are negatively affecting my score and preventing me from moving forward financially. I have the right to accurate, fair, and verifiable credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
I recently reviewed a recent copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
my old buddy stole my wallet when I needed a place to stay for a while and he stole my social security card and applied for a bunch of credit cards and stole a bunch of money from me. im trying to start a small business and this is holding me back from doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
Several accounts and credit inquiries were opened or reported without my knowledge or authorization. In XX/XX/XXXX, a XXXX XXXX XXXX credit card was opened and later charged off with a balance of {$890.00}. XXXX XXXX XXXX reported multiple late payments on a closed account opened in XX/XX/XXXX. XXXX XXXX XXXX reported a balance of {$590.00} and late payments on an account opened in XX/XX/XXXX. XXXX XXXX XXXX XXXX reported a charge-off for {$590.00} starting in XX/XX/XXXX. XXXX XXXX XXXX reported a charge-off of {$950.00} on a loan opened in XX/XX/XXXX. XXXX XXXX XXXX reported an open loan from XX/XX/XXXX with a balance over {$2000.00} and missed payments. Debt buyers XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported collection activity related to these accounts. I did not authorize any of these accounts or inquiries and request that they be removed as identity theft under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
Several accounts and credit inquiries were opened or reported without my knowledge or authorization. In XX/XX/XXXX, a XXXX XXXX XXXX credit card was opened and later charged off with a balance of {$890.00}. XXXX XXXX XXXX reported multiple late payments on a closed account opened in XX/XX/XXXX. XXXX XXXX XXXX reported a balance of {$590.00} and late payments on an account opened in XX/XX/XXXX. XXXX XXXX XXXX XXXX reported a charge-off for {$590.00} starting in XX/XX/XXXX. XXXX XXXX XXXX reported a charge-off of {$950.00} on a loan opened in XX/XX/XXXX. XXXX XXXX XXXX reported an open loan from XX/XX/XXXX with a balance over {$2000.00} and missed payments. Debt buyers XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported collection activity related to these accounts. I did not authorize any of these accounts or inquiries and request that they be removed as identity theft under the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following previous addresses are wrong : Incorrect Name - XXXX, XXXX, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX, TX, XXXX - The following personal information is incorrect- The personal data reporting 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 2025-07-27 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: TX

Complaint narrative:
The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect -The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
In XX/XX/year>, I discovered a collection account for {$520.00} on my credit report that I did not authorize or open. I had no prior knowledge of this debt and have never done business with the company that placed the collection. I submitted a formal Identity Theft Report to the Federal Trade Commission and provided proof of my identity and address to the credit bureaus. Despite these actions, the account has not been removed. I am requesting the company investigate and remove this fraudulent account from my credit report in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX. My Social Security XXXX is XXXX. My Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX  on XX/XX/XXXX, an account opened at XXXX on XX/XX/XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX * *, an account opened at XXXX FCU on XX/XX/XXXX under the account number XXXXXXXXXXXXX * * * *, an account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX SYNCHRONY BANK on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX on XX/XX/XXXX under the account number XXXX * * * *, an account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX * * * *. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account for XXXX XXXX XXXX  and there is not associated account number reported. This account is being reported inaccurately and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, Im writing to formally dispute inaccurate and misleading information thats currently being reported on my credit report. The account in question is with XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I purchased the vehicle. The account number ends in XXXX, and it is being reported as a charged-off revolving account. 

I recently noticed that TransUnion is listing a false " date opened '' as XX/XX/XXXX, which is not only incorrect but constitutes re-aging of the accounta direct violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the Consumer Financial Protection Bureau ( CFPB ). The correct opening date is XX/XX/XXXX, and I am requesting that this be corrected or the account be removed entirely. 

In addition, the Date Last Active is also being misreported. I have not made any payments or had any activity on this account since it was charged off, yet the report reflects a much more recent date that does not correspond with any actual transaction. This appears to be an attempt to re-age the debt, which is also a direct violation of FCRA and CFPB regulations. If XXXX XXXX XXXX can not provide verifiable proof of recent activity, I request that this date be corrected or the account be removed. 

After reviewing my credit report, I also noticed that this account is being reported as a charge-off month after month by TransUnion. According to the Metro 2 credit reporting guidelines and the FCRA, a charge-off is supposed to be a one-time event, not something thats reported repeatedly. Repeating it monthly makes it appear as if there are ongoing delinquencies, which unfairly damages my credit.

Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of this account and doesnt accurately reflect the true status or history. This kind of reporting practice is not only unfair but also goes against federal credit reporting rules and guidance from the CFPB.

Additionally, Ive noticed inconsistencies in how this account is being reported across the credit bureaussuch as different last activity dates and varying credit limit data. These discrepancies bring the accuracy of the record into question.

Im formally requesting : A full investigation into how this account is being reported.

If the reporting can not be corrected to meet Metro 2 and FCRA standards, I respectfully request the deletion of this XXXX XXXX XXXX account from my TransUnion credit file. 

Please complete this investigation within the 30-day period allowed under the FCRA and send a written response to the address listed on my credit file. 

Sincerely, 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, Im writing to formally dispute inaccurate and misleading information thats currently being reported on my credit report. The account in question is with XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I purchased the vehicle. The account number ends in XXXX, and it is being reported as a charged-off revolving account. 

I recently noticed that TransUnion is listing a false " date opened '' as XX/XX/XXXX, which is not only incorrect but constitutes re-aging of the accounta direct violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the Consumer Financial Protection Bureau ( CFPB ). The correct opening date is XX/XX/XXXX, and I am requesting that this be corrected or the account be removed entirely. 

In addition, the Date Last Active is also being misreported. I have not made any payments or had any activity on this account since it was charged off, yet the report reflects a much more recent date that does not correspond with any actual transaction. This appears to be an attempt to re-age the debt, which is also a direct violation of FCRA and CFPB regulations. If XXXX XXXX XXXX can not provide verifiable proof of recent activity, I request that this date be corrected or the account be removed. 

After reviewing my credit report, I also noticed that this account is being reported as a charge-off month after month by TransUnion. According to the Metro 2 credit reporting guidelines and the FCRA, a charge-off is supposed to be a one-time event, not something thats reported repeatedly. Repeating it monthly makes it appear as if there are ongoing delinquencies, which unfairly damages my credit. 

Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of this account and doesnt accurately reflect the true status or history. This kind of reporting practice is not only unfair but also goes against federal credit reporting rules and guidance from the CFPB. 

Additionally, Ive noticed inconsistencies in how this account is being reported across the credit bureaussuch as different last activity dates and varying credit limit data. These discrepancies bring the accuracy of the record into question. 

Im formally requesting : A full investigation into how this account is being reported.

If the reporting can not be corrected to meet Metro 2 and FCRA standards, I respectfully request the deletion of this XXXX XXXX XXXX account from my TransUnion credit file. 

Please complete this investigation within the XXXX period allowed under the FCRA and XXXX a written response to the address listed on my credit file. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-28 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In early XXXX, I disputed the LVNV Funding account on my credit reports due to multiple inaccuracies. The account is listed as a collection account with a balance of {$410.00}, but it includes several violations of XXXX XXXX reporting guidelines and the Fair Credit Reporting Act ( FCRA ). Specifically, the account is reporting a scheduled monthly payment amount of {$410.00}, which is not permitted for collections per XXXX XXXX XXXX XXXX XXXX, that field must be left blank. 

Additionally, the balance has been reported unchanged for over 24 months with a Date of Last Activity showing as XX/XX/XXXX, despite the actual last payment date being in XX/XX/XXXX. This misrepresents the age of the debt and constitutes improper re-aging in violation of FCRA 623 ( a ) ( 5 ). The account also reflects a high credit amount identical to the balance, without verification or documentation that this amount was ever charged. 

I requested that LVNV Funding and the credit reporting agencies correct or delete the account due to these violations. I received no meaningful response from XXXX only a generic verification through the credit bureaus. I am requesting that the CFPB investigate and that LVNV Funding either correct all reporting errors in compliance with XXXX XXXX and FCRA standards or delete the tradeline entirely from all credit bureaus.

Company response to consumer: Closed with non-monetary relief