vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report. Please find below a detailed list of the accounts that are currently in dispute, separated by bureau. 

Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION / 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 2025-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MS

Complaint narrative:
I am writing to dispute several items on my credit report. The following accounts are in dispute and I respectfully request a review and correction of the inaccuracies listed. Please find the details of the disputed accounts below, separated by bureau. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/year>, {$20000.00} LATE PAYMENT XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: OH

Complaint narrative:
This is regarding a XXXX account and XXXX purchases for a total balance of {$820.00}. There are XXXX purchases on XX/XX/XXXX XXXX purchase XX/XX/XXXX and XX/XX/XXXX. I made XXXX aware that I filed XXXX  and they refuse to zero out my account dispute my XXXX  XXXX XX/XX/XXXX which cleared me from this debt. I have been told multiple times by representatives at XXXX my account was transferred to a debt collection agency, SIMs XXXX. I called the debt collection agency with a XXXX rep on a conference call and the Sims XXXX keeps stating they no longer have to debt and sent it back to XXXX in XXXX of this year due to bankruptcy. I would like XXXX to adjust my balance. XXXX has reported that you all have not sent the collection back to them and you guys are saying you did. Communication with XXXX needs to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: RI

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. The account details may not be properly reported, or the balances are incorrect. Please verify the information and correct any discrepancies. 

Charged Off Accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$9600.00} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  - Balance : {$3700.00} Late Payments : I am disputing the late payments on my Equifax credit report. These entries may be inaccurate, and I request that they be corrected upon further investigation. 

XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off accounts and late payments. I request that TransUnion investigate these items thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries : XXXX XXXX, Date : TransUnion XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account No : 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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have never stayed in that apartment Im a victim of identity theft since 2011

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
My account was closed randomly they said it was because I violated terms of service but I dont see how when all I do is send money to loved ones, buy groceries, fast food, and order clothes online. I let my cousins order something off my card last week online for their birthday but other than that I dont know what else it could be. Not only that my direct deposit is also set up on there and now they wont let me get the rest of money out. I tried but the withdrawal failed which is another inconvenience. Their customer service is the worst and I need my money back asap. I find it weird how they just close your account and dont even give a heads up or release a grace period before doing so. Could you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the following disputed items on my credit report. The details of the accounts in dispute are outlined below, separated by credit bureau. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-27 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: TX

Complaint narrative:
The current status misrepresents my payment conduct.

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 2025-11-27 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: TX

Complaint narrative:
Kindly inspect the materials provided ; the inquiries arrived unannounced and may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am disputing several charged-off accounts and inquiries listed on my Experian credit report. I request that Experian conduct a thorough investigation and make the necessary corrections or removals if these items can not be verified. 

Charged Off : XXXX XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-27 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: NY

Complaint narrative:
The following charged-off accounts on my TransUnion report show inconsistencies or inaccurate information. I am requesting verification or correction : XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$18000.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$10000.00} XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXXXXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$32000.00} XXXX XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$20000.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXcct # XXXX Opened XX/XX/XXXX Balance {$5100.00} XXXX XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$3900.00} There are conflicts between TransUnions reporting and the other bureaus.

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 2025-11-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this dispute regarding the inaccuracies in my Experian credit report. The following accounts are being disputed due to incorrect reporting of charged-off status, late payments, and inquiries. I respectfully request a thorough investigation and correction of these discrepancies. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: LA

Complaint narrative:
They have called me 5 times in one day, all before XXXX, three day after my due date. So I was only 1 day late and they called 5 times. Usually using different phone numbers. When I tried to call back and talk to them about it, I can never get anyone on the phone, it's just automated. And today, XXXX day, they have already called 3 times before XXXX XXXX. The company in question is Westlake Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: OH

Complaint narrative:
I am filing this complaint because the credit reporting agency has still not corrected outdated and inaccurate personal information on my credit file, despite three previous requests. This is now my fourth attempt, and I am concerned that my disputes are being ignored rather than investigated as required under the Fair Credit Reporting Act ( FCRA ). 

My report dated XX/XX/XXXX continues to display old information that are no longer connected to me in any way : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 2025-11-27 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: FL

Complaint narrative:
I am not related to these accounts and request removal within 15 days under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am submitting this complaint because several items on my credit reports with XXXX, XXXX, and TransUnion are inaccurate, inconsistent between bureaus, or unverifiable. I have attempted to dispute these items directly with the credit bureaus, but they have not been corrected. I am requesting the CFPBs assistance in ensuring these accounts, inquiries, and late payments are properly investigated. 
Charged-Off / Negative Accounts The following items on my TransUnion report contain inaccuracies, conflicting information, or unverifiable data : XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$160.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance : {$260.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$600.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance : {$1300.00} XXXX  Acct # XXXX Opened XX/XX/XXXX Balance : {$12000.00} XXXX  Acct # XXXX Opened XX/XX/XXXX Balance : {$180.00} Inquiries I Do Not Recognize XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize these inquiries and request verification. 

Late Payments I dispute the same late payment reporting that appears on all three bureaus : XXXX Acct # XXXX All listed XXXX/DOFED loan accounts ( same account numbers as above ) These entries appear inaccurate and should be reviewed.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had made a complaint against XXXX XXXX exchange for not showing on my credit report that i have been making payments to my account. They said for me to contact XXXX for any changes in which XXXX says " XXXX is a third-party debt collector and has not reported the above-referenced account on your credit report. XXXX can not effect a change to how the creditor or any other company may have listed the account on your credit profile. '' so for XXXX XXXX from customer service to say they can she is lying. the account originated from XXXX and XXXX is the one who placed it on my credit report. so you have the ability to make changes and update the balance as of todays date is {$3500.00}. 
if I need to involve the Tennessee Attorney Generals office, I can submit this complaint to them as well to help get the I need to correct this information on my credit reports. 

Thank you for contacting the XXXX XXXX XXXX. Upon review, your prior XXXX XXXX account charged off to collections XX/XX/XXXX due to missed payments. We report to the major credit bureaus ( XXXX, XXXX, Transunion ) monthly. Unfortunately, we can not remove the account from your credit report. This account will remain on your credit report seven years after the last activity date. If the negativity is still showing on your credit report after this period, please contact that specific bureau and request an account update. Your account should automatically fall off your credit report seven years from the delinquent date, XX/XX/XXXX. Currently, your debt is being handled by our 3rd party collections agency, XXXX ( XXXX XXXX XXXX XXXX ). Please contact XXXX at XXXX regarding your current balance and all other payment arrangements. I have also reached out to XXXX, and they will provide you with a Proof of Debt ( POD ) to validate the account. If you have any further questions about your account, please feel free to call our Customer Contact Center at XXXX. Thank you for your service and the opportunity to address your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visit our online store! 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 2025-11-27 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: TN

Complaint narrative:
I had made a complaint against XXXX XXXX XXXX for not showing on my credit report that i have been making payments to my account. They said for me to contact XXXX for any changes in which XXXX says " XXXX is a third-party debt collector and has not reported the above-referenced account on your credit report. XXXX can not effect a change to how the creditor or any other company may have listed the account on your credit profile. '' so for XXXX XXXX from customer service to say they can she is lying. the account originated from XXXX and XXXX is the one who placed it on my credit report. so you have the ability to make changes and update the balance as of todays date is {$3500.00}. 
if I need to involve the Tennessee Attorney Generals office, I can submit this complaint to them as well to help get the I need to correct this information on my credit reports. 

Thank you for contacting XXXX XXXX XXXX XXXX. Upon review, your prior XXXX XXXX account charged off to collections XX/XX/XXXX due to missed payments. We report to the major credit bureaus ( XXXX, Equifax, XXXX ) monthly. Unfortunately, we can not remove the account from your credit report. This account will remain on your credit report seven years after the last activity date. If the negativity is still showing on your credit report after this period, please contact that specific bureau and request an account update. Your account should automatically fall off your credit report seven years from the delinquent date, XX/XX/XXXX. Currently, your debt is being handled by our 3rd party collections agency, XXXX ( XXXX XXXX XXXX XXXX ). Please contact XXXX at XXXX regarding your current balance and all other payment arrangements. I have also reached out to XXXX, and they will provide you with a Proof of Debt ( POD ) to validate the account. If you have any further questions about your account, please feel free to call our Customer Contact Center at XXXX. Thank you for your service and the opportunity to address your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our online store! www.XXXX

Company response to consumer: Closed with explanation