vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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 submitting this complaint due to multiple inaccurate and inconsistent entries appearing on my credit report. Several accounts reflect balances that do not align with my actual payment history, some accounts appear multiple times ( e.g., XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), and there are inconsistencies in the reporting of balances and account statuses. These discrepancies create an inaccurate representation of my creditworthiness and may affect my ability to obtain fair credit. 
Duplicate reporting of XXXX XXXX XXXX accounts. 
Incorrect balances reported for certain accounts ( e.g., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Inaccurate or incomplete reporting of account histories for accounts like XXXX and XXXX XXXX XXXX 
The presence of inquiries not authorized or inaccurately reflected in relation to the account status. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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 submitting this complaint due to multiple inaccurate and inconsistent entries appearing on my credit report. Several accounts reflect balances that do not align with my actual payment history, some accounts appear multiple times ( e.g., XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), and there are inconsistencies in the reporting of balances and account statuses. These discrepancies create an inaccurate representation of my creditworthiness and may affect my ability to obtain fair credit. 
Duplicate reporting of XXXX XXXX XXXX accounts. 
Incorrect balances reported for certain accounts ( e.g., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Inaccurate or incomplete reporting of account histories for accounts like XXXX and XXXX XXXX XXXX 
The presence of inquiries not authorized or inaccurately reflected in relation to the account status. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: DC

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-09-19 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:
All of these accounts show a XXXX balance. I also noticed that the accounts numbers are not complete there are a bunch of asterisks in place. I also noticed that the first date of delinquency is not present but it is in other bureaus and they're all different actual dates. Please correct this information as it must be accurate fair and complete FCRA SECTION 609. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

My names are incorrect, I just updated in Experian with one of their agents my incorrect names, address and phone numbers Ive never had before. This is affecting my credit report and my financial health.

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 2025-09-19 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX Bankruptcy - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-09-19 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
XXXXI previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results \nof that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. XXXXThese continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial \nresponsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 \net seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be \nthoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-19 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: Consumer Collection Management. Inc
State: OH

Complaint narrative:
My information was compromised. An unknown person used my information including Name, Date of Birth, Address, and Social Security Number. However, the person used wrong Driving License to secure a rental apartment. I have attached copy of Identity Theft Police Report and copy of my Driving License for verification. 

I contacted XXXX  and reported identity theft regarding the inaccurate account or the account I don't own. XXXX  did not investigate the matter instead, my report was updated, no proof of investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be verified, they should be either updated or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ {$6900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
reporting dates ( XX/XX/year> ). 
Inquiries like XXXX XXXXXX/XX/year> appear questionable or without proper consumer authorization. 
The reporting of charged-off accounts lacks clarity and accuracy, causing harm to my creditworthiness. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Provides the right to dispute inaccurate or incomplete items, requiring reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate information.

FCRA 604, 15 U.S.C. 1681b : Restricts credit inquiries to those with a permissible purpose ; unauthorized inquiries are a violation.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I paid the amount that would be due on XX/XX/XXXX on XX/XX/XXXX in the amount of {$200.00} to MilestoneXXXX/ Concora Credit I was told then that the account was closed because it was in debt consolidation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX not have this account on my program for consolidation. 
I checked before I made the payment and I knew that it was a large amount that was being shown due by Milestone, I paid because.I need that credit.

On Milestones website on my account they are showing the number ( XXXX ) at the very top of the account I was told that it was the account number at XXXX XXXX. 
XXXX XXXX has no such record of that number. 
The confirmation number to the {$200.00} payment to my Milestone account ending with XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
There are two collection accounts on my credit reports and they have been removed from XXXX  and XXXX  but not XXXX. I disputed the collection accounts online with all three bureaus. When I received my dispute results from XXXX  it stated that they received proof from the company. I called XXXX  and requested a copy of their investigation and they CAN NOT PROVIDE IT. I asked what they received from the agencies and they stated " they said it belonged to you. '' What?? of course they said that, what else are they going to say after buying debt. It is NOT my debt and they have no proof because there is none. A company making a statement with no wet signature or copy of contract does not suffice as proper evidence. Why does their word carry more weight than mines. They said it is and I say it's not. These are not my accounts and if they can't provide proof other than a collection agency saying they are does not suffice. I am only filing this before I move up the chain and file a lawsuit against XXXX. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Phone : ( XXXX ) XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX, Mrs Associates, Inc. XXXX XXXX XXXX, NJ XXXX Phone XXXX ( XXXX ) XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Gentlemen and ladies in charge of working at XXXX XXXX XXXX XXXX you have responded to my complaint to the FTC that you are unable to meet my request or you rejected my request due to the lack of clarity in the documents and also submitting the request after the legal period has passed. I will send you the documents that I sent you on XX/XX/XXXX and the stainless steel remained open for a whole year without anyone feeling that there was an appeal and the legal period in which the result of the objection is issued has passed and the stainless steel was closed in XX/XX/XXXX after my request. Where is the result? I hinted that I would complain to the bank and the bank did not inform me and did not send me the result of the investigations it conducted, as the banking law stipulates that the customer be notified in XXXX and send documents indicating the rejection of his request. I am officially requesting you now. I want you to send the documents and the result of the investigations every time I submitted complaints in this case, i.e. the request of XX/XX/XXXX and the appeal submitted on XX/XX/XXXX and also the one submitted based on the request of the official who left me a voice mail After I filed complaints against you to the FTC by calling the bank on the number provided, the genie created a genie because it is busy and can not contact me again, and when I called the bank, it told me to open a new complaint for the same complaint that is the subject of the dispute, meaning this is your request, what right do you have to respond to me through the FTC with a rejection for XXXX reasons : the lack of clarity of the documents submitted by the customer and submitting the request after the legal period? Aren't you the one who postponed the entire appeal without seeing it and giving your decision, or in other words, you forgot that there was an appeal submitted. On XX/XX/XXXX, I filed an official complaint against the employee who responded to me on XX/XX/XXXX because of my request from her Bringing an XXXX  translator and she refused and said that this service is not available in the bank and filed a complaint despite her imagination. Did they take my right from this employee for the crimes she committed against me and this woman? Is it the origin of all the problems in this case? I mentioned in my conversation with her that my card disappeared from me without me noticing because I do not use it at all except to withdraw money when it is put in my account and on XX/XX/XXXX I found the card thrown in front of my residence door. Is this written, knowing that I mentioned all of this in the appeal and you did not read it? I will circle everything about the FTC now so that they can witness and know that I am right and the bank wants to lose my right

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 2025-09-19 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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