vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-16 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: TX

Complaint narrative:
I recently obtained a copy of my credit report from XXXX  ( dated XX/XX/year>XXXX  ) and discovered several accounts that appear to contain inaccurate, inconsistent, or unverifiable information. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a formal reinvestigation of the following items. 

Accounts in Dispute Dept. of Education / XXXX Reported inconsistently as 120 days past due ( TransUnion ) and 180 days past due ( Experian ). Loan was sold off and I was not informed or sent any letters. 

Please verify the correct delinquency length, dates, and balance amount. 

Requested Action : Correct or remove inaccurate late payment reporting. 

XXXX XXXX XXXX XXXX  Reported multiple times as 30 days past due. 

Discrepancies exist between bureaus regarding the number of late months. 

Requested Action : Verify full payment history or delete if unverifiable. 

XXXX XXXX XXXX Marked as charged off/ purchased by another lender though balance is {$0.00}. 

Possible duplicate or misreported ownership status. 

Requested Action : Update to show {$0.00} balance account closed/ transferred or delete if sold and no longer valid. 

XXXX XXXX Reported as charged off with a {$810.00} balance. 

Please confirm whether this is still owed, and ensure charge-off reporting is consistent across all bureaus. 

Requested Action : Verify accuracy or remove if paid/ settled. 

XXXX XXXX XXXX Reported differently by bureaus : paid for less than full balance ( Experian ) vs charge-off ( Equifax ) . 

Inconsistent reporting may harm creditworthiness. 

Requested Action : Update all bureaus to reflect the same Paid/ Settled in Full {$0.00} balance status. 

XXXX XXXX ( XXXX ) Account closed by grantor and previously 90 days past due. 

Please confirm accuracy of late payment dates and closure reason. 

Requested Action : Update to show Paid as Agreed/ Closed if verified current. 

My address is out of date and inaccurate, and my employer is out of date and 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
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
Im writing to dispute the inaccurate late payments being reported on my XXXX XXXX account. My most recent credit report, dated XX/XX/XXXX, shows late payments for XX/XX/XXXX and XX/XX/XXXX, which are incorrect. This account has always been paid on time and has never been late. 

Under the Fair Credit Reporting Act ( FCRA ), credit information must be reported with complete accuracy. Both TransUnion and Experian show these same months as paid on time, confirming that your records are inaccurate. 

Im requesting that you remove the late payment entries for XX/XX/XXXX and XX/XX/XXXX and update the account to reflect an accurate on-time payment history. 

Ive attached a copy of my credit report highlighting these errors for your review. Please investigate and correct this information within the required 30-day period and send me written confirmation once the update is complete.

Thank you for your prompt attention to this matter.

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 2025-10-16 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: TX

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 2025-10-16 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX - Registered and made an account, verifying my gov issue DL on trading site XXXX XXXX XXXX  deposit via XXXX to XXXX {$100.00}. Appearing in my soeoxoaq account immediately available for trading. 

XXXX - deposit via XXXX {$3000.00}. Appearing in my XXXX account immediately available for trading. 

XXXX - deposit via XXXX {$1500.00}. Appearing in my XXXX  account immediately available for trading. 

XXXX - account to account wire transfer {$4500.00} XXXX Bank of America, Routing # XXXX, XXXX XXXX : XXXX, Account # XXXX, Company Name : XXXX XXXX, XXXX XXXXXXXX XXXX NY XXXX ). Appearing in my soeoxoaq account immediately available for trading. 

XXXX - Realized site was fraudulent when I tried to withdraw funds, account frozen and inaccessible. Customer Service demanded a deposit of {$7500.00} in order for my account and funds to be made available to me.

Filed report to FBI IC3 ( submission ID XXXX ) Reported the fraud to the XXXX Police department. ( Incident # XXXX ) with XXXX XXXX ID XXXX XXXX Reported fraud via phone to the Bank of America fraud department XXXX XXXX # XXXX ) XXXX Received claim denial letter from Bank of America with the explanation under heading What you need to know.

The transfer posted to the account you requested, and it was identified that the funds were used for purposes that violate the Bank of America Online Service Agreement and XXXX XXXX XXXX XXXX XXXX Sent a response letter via certified mail to Claims Resolution and Recovery defining actual authority and re informing them that this consent was obtained through fraud or deception and I am clearly covered under the definition of an unauthorized EFT. Requested funds obtained through deception and fraud, {$9100.00} be returned to my account. 
Sent copies of the letter to XXXX XXXX and Legal Order Processing Faxed copy to claims resolution and recovery at local XXXX bofa XXXX XXXX Received 2nd claim denial from BofA stating the exact same thing as the last letter. No further explanations.

The transfer posted to the account you requested, and it was identified that the funds were used for purposes that violate the Bank of America Online Service Agreement and XXXX XXXX XXXX XXXX XXXX Sent XXXX response letter via certified mail to Claims resolution and Recovery asking to be provided with the terms and conditions, in reference to second denial letter, along with the XXXX XXXX XXXX information and to be provided with criteria outlining the violations for the decision. Reminding them that they are contractually responsible to protect their clients from fraud and that they are in breach of contract. Requested funds obtained through deception and fraud, {$9100.00} be returned to my account. 

XXXX - Certified letter received and signed for by BofA

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 2025-10-16 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: AZ

Complaint narrative:
I recently pulled my credit report and notice several unauthorized hard inquiries that appear on my credit report. I did not authorize or provide consent for these inquiries, and they are negatively affecting my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a removal of these inquiries from my credit file. 
The following hard inquiries were not authorized by me : XXXX 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/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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPTAIL ONE SENT ME THIS LETTER IN RESPONSE TO MY FILING COMPLAINT WITH THE CFPB EXPLAINING THAT THIS CAPITAL ONE ACCOUNT WAS OPENED FRAUDULENT AND THIS IS NOT MY ADDRESS NOR HAVE I EVER LIVED AT THE ADDRESS WHERE CAPITAL ONE SENDS BILLING STATEMENT. I HAVE NEVER LIVED OR BEEN associated WITH XXXX XXXX XXXX XXXX XXXX TEXAS XXXX, MY ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX TEXAS XXXX. MY PHONE IS NOT XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$1500.00} Original Balance {$1500.00} Limit $ 800 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 0 Loan Type Credit Card Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing a smartly Checking account opened without my permission with U.S Bank on XX/XX/year>. I want my check systems frozen to protect myself from anymore future fraud identity theft.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, a collection account was reported on my credit file for an account that is unknown to me. I have not received any notice, documentation, or verification identifying the original account or establishing any connection between myself and this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
This serves as a formal dispute under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) and Reg V 1022.42. Your report misclassifies a collection as installment, lists contradictory open/closed statuses, and omits the Date of First Delinquency ( Metro 2 Fields 10, 12, 17A, 24, 25 ). Such data are factually inaccurate and misleading, violating 607 ( b ).

I dispute all alleged late months. Provide running statements or ledgers proving each due date, receipt, and posting. Codes are not proof. If not verified to XXXX v. TransUnion ( 115 F.3d 220 ) standard, delete this tradeline under 611 ( a ) ( 5 ) ( A ). Failure will prompt CFPB/FTC/AG complaints and civil action under 616617.

Enclosures : ID | Proof of Address | Highlighted Report Sincerely, XXXX XXXX XXXX Authorized Representative 2 XXXX XXXX XXXX XXXX ( acct XXXX ) Same structuredescribe installment vs collection misclassification, open/closed contradiction, missing DOFD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Describe CollectionInstallment coding error ; cite XXXX XXXX XXXX XXXXXXXX ; demand ledgers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Misclassification + no DOFD + re-aging ; same statutory language. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Open/Closed conflict + Past-Due mismatch + XXXX re-aging ; Metro 2 Fld XX/XX/XXXX XXXX demand deletion if unverified. 
XXXX XXXX XXXX ( XXXX ) Impossible High Credit {$0.00} with active balance/past due ; violation of Fld 21 ; cite 607 ( b ) and 611 ; demand proof or delete. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) Missing DOFD + prior dispute not independently verified ; violation of 623 ( a ) ( 5 ) ; demand ledger verification or deletion. 
XXXX XXXX XXXX ( XXXX ) Post-settlement misreporting as charge-off ; Metro 2 Fld 17A/71 ; requires Settled for less than full balance status ; demand correction or deletion.

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 2025-10-16 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:
This letter serves as a formal dispute under FCRA 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) and Reg V 1022.42. Pursuant to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you must conduct an independent verification based on documentary evidence. 
Tradelines in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open collection, no DOFD. 
XXXX XXXX XXXX XXXX XXXX GA Emergency Dual account type, false activity date. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX collection, no DOFD. 
XXXX XXXX XXXX XXXX XXXX XXXX dispute flag and DOFD. 
XXXX XXXX XXXX / XXXX XXXX XXXX Open/Closed conflict. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX False activity date and dual type.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-10-16 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: AL

Complaint narrative:
This is a formal dispute under FCRA 611 ( a ) ( 1 ) ( A ). Please conduct an independent reinvestigation and obtain documentary evidence ( not e-Oscar code replies ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) CollectionInstallment ( Open ) with inconsistent date usage ( TU activity XXXX vs earlier dates elsewhere ), indicating re-aging risk. 
o FCRA/Reg V : 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ) ; Reg V 1022.42 ( a ).

o Metro-2 : 17A, DOFD, 25, 14, 32, 40, 71.

o Relief : Provide DOFD & ledger ; else delete. 
XXXX. XXXX XXXX XXXX Past Due {$100.00}, Late90Days ; require cycle/ledger proof of due date/receipt/posting.

o FCRA/Reg V : 607 ( b ), 611 ( a ) ; Reg V 1022.42 ( a ).

o Metro-2 : 17A, 19, 32, 25, 40.

o Relief : Remove late history absent proof or delete. 
XXXX. XXXX XXXX XXXX ( XXXX ) CollectionInstallment ( Open ) ; Placed for collection while past-due field populated ; date conflicts vs other bureaus.

o FCRA/Reg V : 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ) ; Reg V 1022.42 ( a ).

o Metro-2 : 17A, DOFD, 32, 14, 25, 40.

o Relief : Correct to collection-compliant coding or delete. 
XXXX. XXXX XXXX ( XXXX XXXX ) As Agreed but with 30/60/90 lates ( 1/1/2 ).

o FCRA/Reg V : 607 ( b ), 611 ( a ).

o Metro-2 : 17A, 19, 40, 25.

o Relief : Provide statements ; if not, remove late grid.

5. Security Fin ( Closed/Zero ) accounts coded Negative/severe late despite zero/closed ; requires support.

o FCRA/Reg V : 607 ( b ), 611 ( a ).

o Metro-2 : 17A, 24, 14, 32, 19, 40.

o Relief : Ledger or delete derogatory elements. 
XXXX. XXXX XXXX ( multiple ) As Agreed yet flagged Negative / dispute resolution tags. 
o FCRA/Reg V : 607 ( b ), 611 ( a ).

o Metro-2 : 17A, 19, 40, 25, 71.

o Relief : Correct to non-derogatory and remove unsupported late grid.

7. Dept. of Education/NELN Negative with 90-day late 6, inconsistent with other bureau treatment ; furnish federal loan ledger.

o FCRA/Reg V : 607 ( b ), 611 ( a ) ; Reg V 1022.42 ( a ).

o Metro-2 : 17A, 40, DOFD, 25.

o Relief : Uniform correction or delete derog months lacking proof.

All late months disputed : I dispute every 30/60/90/120+ indicator you display for the accounts above. Provide the running statements/ledger and DOFD. Codes are not proof.

If you can not verify per 611 ( a ) ( 5 ) ( A ) and 607 ( b ), delete or suppress the tradeline ( s ).

Otherwise, I will file complaints with the CFPB/FTC/AG and pursue damages under FCRA 616617.

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