vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
I am filing this complaint to dispute multiple ongoing inaccuracies and legal violations appearing on my consumer credit reports maintained by Equifax, Experian, and TransUnion, as well as by the furnishers reporting to them, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My reports contain inaccurate personal identifying information, including multiple addresses that have never belonged to me, which indicates possible mixed-file errors and violates FCRA 605, 607 ( b ), and 611. In addition, a closed account listed as XXXX with a XXXX balance is being reported with late payment history that appears obsolete or inaccurately maintained, contrary to FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Several charge-off accounts, including XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX , are being reported with incorrect balances, inaccurate Dates of First Delinquency, and continued negative reporting beyond allowable timeframes, in violation of FCRA 605 ( a ), 605 ( c ), 611, and 623, and without proper validation as required under FDCPA 807, 808, and 809. I am also disputing collection accounts reported by XXXX for XXXX XXXX and XXXX  XXXX for XXXX that lack proper validation and appear to involve inaccurate balances and reporting periods. Furthermore, my reports include numerous hard inquiries from auto lenders, retailers, and finance companies that I did not authorize or that lack a permissible purpose, in violation of FCRA 604 ( a ) and 605, yet these items remain despite my rights to dispute and correction. These ongoing failures to investigate, correct, or delete unverifiable information are causing significant financial harm and demonstrate noncompliance with federal consumer protection laws.

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 2025-12-18 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: AR

Complaint narrative:
I am filing this complaint to dispute multiple ongoing inaccuracies and legal violations appearing on my consumer credit reports maintained by Equifax, Experian, and TransUnion, as well as by the furnishers reporting to them, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My reports contain inaccurate personal identifying information, including multiple addresses that have never belonged to me, which indicates possible mixed-file errors and violates FCRA 605, 607 ( b ), and 611. In addition, a closed account listed as XXXX with a XXXX balance is being reported with late payment history that appears obsolete or inaccurately maintained, contrary to FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Several charge-off accounts, including XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX , are being reported with incorrect balances, inaccurate Dates of First Delinquency, and continued negative reporting beyond allowable timeframes, in violation of FCRA 605 ( a ), 605 ( c ), 611, and 623, and without proper validation as required under FDCPA 807, 808, and 809. I am also disputing collection accounts reported by XXXX for XXXX XXXX and XXXX  XXXX for XXXX that lack proper validation and appear to involve inaccurate balances and reporting periods. Furthermore, my reports include numerous hard inquiries from auto lenders, retailers, and finance companies that I did not authorize or that lack a permissible purpose, in violation of FCRA 604 ( a ) and 605, yet these items remain despite my rights to dispute and correction. These ongoing failures to investigate, correct, or delete unverifiable information are causing significant financial harm and demonstrate noncompliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NE

Complaint narrative:
I am submitting this complaint to formally dispute multiple collections, repossession accounts, late accounts, and misleading information reported inaccurately on my Experian, Equifax, and TransUnion credit reports, in violation of FDCPA 807, 808, 809, and FCRA 607 ( b ), 605 ( a ), 1666, and 611. The accounts in question include : XXXX XXXX ( Balance {$410.00} ), XXXX XXXX XXXXXXXX ( Balance {$350.00} ), XXXX XXXX XXXX ( Balance {$2500.00} ), XXXXXXXX XXXX XXXXXXXX ( Balance {$750.00} ), XXXX XXXX XXXX ( Balance {$890.00} ), XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXX  ( Balance {$200.00} ), XXXX XXXX XXXXXXXX ( Balance {$1700.00} ), XXXX XXXX XXXXXXXX ( Balance {$0.00} ), XXXX XXXX XXXXXXXX ( Balance {$10000.00} ), XXXX ( Balance {$0.00} ), and XXXX ( Balance {$0.00} ). These accounts are inaccurately reported, some without verification or proper documentation, and do not reflect my true payment history or obligations. 

Additionally, several unauthorized inquiries appear on my reports, which do not belong to me and may result from mixed-file errors or mistaken identity, including : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX. Furthermore, inaccurate addresses are being reported that have never been associated with me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inaccuracies, unauthorized inquiries, and misleading account information violate federal law, misrepresent my creditworthiness, and cause undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NE

Complaint narrative:
I am submitting this complaint to formally dispute multiple collections, repossession accounts, late accounts, and misleading information reported inaccurately on my Experian, Equifax, and TransUnion credit reports, in violation of FDCPA 807, 808, 809, and FCRA 607 ( b ), 605 ( a ), 1666, and 611. The accounts in question include : XXXX XXXX ( Balance {$410.00} ), XXXX XXXX XXXXXXXX ( Balance {$350.00} ), XXXX XXXX XXXX ( Balance {$2500.00} ), XXXXXXXX XXXX XXXXXXXX ( Balance {$750.00} ), XXXX XXXX XXXX ( Balance {$890.00} ), XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXX  ( Balance {$200.00} ), XXXX XXXX XXXXXXXX ( Balance {$1700.00} ), XXXX XXXX XXXXXXXX ( Balance {$0.00} ), XXXX XXXX XXXXXXXX ( Balance {$10000.00} ), XXXX ( Balance {$0.00} ), and XXXX ( Balance {$0.00} ). These accounts are inaccurately reported, some without verification or proper documentation, and do not reflect my true payment history or obligations. 

Additionally, several unauthorized inquiries appear on my reports, which do not belong to me and may result from mixed-file errors or mistaken identity, including : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX. Furthermore, inaccurate addresses are being reported that have never been associated with me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inaccuracies, unauthorized inquiries, and misleading account information violate federal law, misrepresent my creditworthiness, and cause undue stress.

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 2025-12-18 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:
I am submitting to follow up on my previous complaint regarding inaccuracies and fraudulent items reported on my credit file. I have provided a detailed explanation of the disputed items, which include incorrect addresses, unauthorized inquiries, fraudulent accounts, and inaccurate charge-offs. Despite my initial submission, I have yet to see resolution or correction of these issues. 
To reiterate, I have identified the following key concerns : Incorrect personal information, including addresses and a name that do not belong to me. 
Unauthorized hard inquiries that were made without my permission or knowledge. 
A fraudulent collection account with XXXX XXXX XXXX XXXX, which I have no connection to and have requested full verification of. 
An inaccurately reported charge-off with XXXX XXXX , which was reported with a {$0.00} balance.

These issues are severely impacting my credit score and my ability to access financial services. As a result, I am requesting the immediate removal or correction of these inaccurate items in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also urge the bureaus to conduct a thorough investigation and provide me with updates on the status of the dispute.

Given that my personal information has been compromised in the past, including data breaches, I expect strict adherence to the legal standards set forth by the FCRA to ensure my credit report remains accurate, secure, and free from fraudulent activity.

Please update me on the status of my complaint and ensure that these issues are fully addressed in a timely manner. If any additional documentation is required, I am more than willing to cooperate.Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this correspondence to formally bring attention to certain information currently appearing on my credit file that does not accurately or completely reflect the true history, performance, and standing of my accounts. After carefully reviewing my credit report, I noticed that some tradelines are being reported in a manner that suggests delinquency or unfavorable status, despite my continued effort to manage these obligations responsibly and in accordance with the agreed-upon terms. 
One of the accounts at issue is XXXX XXXX, which was opened on XX/XX/XXXX, and currently reflects a balance owed of {$380.00}, with a most recent payment recorded on XX/XX/XXXX. This account remains open and active, and my payment activity has been consistent with the terms established at the time the account was opened. However, the current reporting shows the account as late and open, which does not accurately represent my payment performance or ongoing compliance. Based on the history and conduct of this account, it should be accurately updated to reflect a status of Paid as Agreed, as the account has been maintained in good standing. 
Another account that requires correction is XXXX XXXX XXXX XXXX. This account was originally opened on XX/XX/XXXX, and currently shows a balance owed of {$5500.00}, with the most recent payment also posted on XX/XX/XXXX. Over the life of this account, I have made payments in alignment with the agreed terms and have continued to address the obligation responsibly. Despite this, the account is presently being reported as late and open, which creates an inaccurate and incomplete portrayal of my creditworthiness. Given the payment history and current status, this account should also be updated to reflect Paid as Agreed. 
The purpose of this letter is to request correction of any account, but rather to ensure that my credit file tells an accurate and fair story. The Fair Credit Reporting Act was designed to protect consumers from incomplete or misleading reporting, and under CRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute information that appears inaccurate, incomplete, or not fully updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am sending this correspondence to formally bring attention to certain information currently appearing on my credit file that does not accurately or completely reflect the true history, performance, and standing of my accounts. After carefully reviewing my credit report, I noticed that some tradelines are being reported in a manner that suggests delinquency or unfavorable status, despite my continued effort to manage these obligations responsibly and in accordance with the agreed-upon terms. 
One of the accounts at issue is XXXX XXXX, which was opened on XX/XX/XXXX, and currently reflects a balance owed of {$380.00}, with a most recent payment recorded on XX/XX/XXXX. This account remains open and active, and my payment activity has been consistent with the terms established at the time the account was opened. However, the current reporting shows the account as late and open, which does not accurately represent my payment performance or ongoing compliance. Based on the history and conduct of this account, it should be accurately updated to reflect a status of Paid as Agreed, as the account has been maintained in good standing. 
Another account that requires correction is XXXX XXXX XXXX XXXX. This account was originally opened on XX/XX/XXXX, and currently shows a balance owed of {$5500.00}, with the most recent payment also posted on XX/XX/XXXX. Over the life of this account, I have made payments in alignment with the agreed terms and have continued to address the obligation responsibly. Despite this, the account is presently being reported as late and open, which creates an inaccurate and incomplete portrayal of my creditworthiness. Given the payment history and current status, this account should also be updated to reflect Paid as Agreed. 
The purpose of this letter is to request correction of any account, but rather to ensure that my credit file tells an accurate and fair story. The Fair Credit Reporting Act was designed to protect consumers from incomplete or misleading reporting, and under CRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute information that appears inaccurate, incomplete, or not fully updated.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, multiple unauthorized transactions appeared on my Chase Freedom XXXX credit card, totaling several XXXX dollars. These charges include retail stores, gas stations, food establishments, toll charges, airline tickets, and other merchants. I did not make, authorize, or benefit from any of these transactions.

I reported the charges to Chase as fraud and a dispute was opened. Provisional credit was initially issued, but later reversed without written justification.

I have repeatedly informed Chase that I am currently outside the United States and unable to receive phone calls. Despite this being documented multiple times, Chase has refused to continue the fraud investigation unless I call them by phone. I formally requested that the dispute be handled via secure message or written correspondence only.

Chase claims the case has been escalated, yet no written investigation has been conducted, no merchant evidence demonstrating my authorization has been provided, and no written reason has been given for requiring a phone call as a condition to proceed.

I am requesting CFPB assistance because Chase is effectively blocking the dispute resolution process and denying meaningful review of unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief