vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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: SC

Complaint narrative:
I am disputing the Experian items listed below because they contain inaccurate or unverifiable reporting. I request a full reinvestigation and removal of any information that can not be validated. 

XXXX XXXX EX ( No charged-off accounts listed for EX. ) Inquiries EX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX1/06XX/XX/XXXX Late Payment EX 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 2025-12-01 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:
These accounts were not opened or authorized by me. Please review the details and remove them. Ive attached documentation to 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
I write as a California Pro Se Military Veteran that has experienced identity theft, my personal information was stolen during the Equifax, Experian, and XXXX data breaches. My SSN was used as personal gain for a scammer. The alleged bankruptcy reportings are identity theft, and this false information violates my rights. California courts told me that this reporting did not come from their office. Your agency continues to furnish and report fraud information. I never gave consent for this information and it is fraud. Your agency stated that you couldnt expunge fraudulent entry constitutes willful non-compliance and gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. 

a ) Bankruptcy ( Crt # XXXX ) Chap XXXX Dismissed : Case # XXXX : Filed : XX/XX/XXXX b ) Bankruptcy ( Crt # XXXX ) Chap XXXX Dismissed : Case # XXXX : Filed : XX/XX/XXXX c ) Bankruptcy ( Court # XXXX ) Chap XXXX Dismissed : Case # XXXX : Filed : XX/XX/XXXX My credit file is contaminated with an account I did not open. Your failure to investigate, verify, and expunge these entries violate : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

a. 1681e ( b ) : Duty to maintain reasonable procedures to ensure maximum possible accuracy b. 1681i ( a ) : Duty to conduct a reasonable reinvestigation upon dispute c. 1681i ( 5 ) ( A ) : Duty to notify consumer of reinvestigation results in writing d. 1681c-2 : Mandatory expungement of identity-theft information XXXX. 15 U.S.C. 1681s-2 ( b ) : Furnishers duty after notice of dispute Under FCRA 1681i, you must complete a documented, effective investigation of each disputed item, including : a. Verification from the original creditor with wet-ink signature on the application b. Copy of government-issued photo ID used to open each account c. Proof of my express written authorization to open the accounts d. Confirmation of account opening dates relative to the Equifax breach period e. Direct, signed affidavit from the original creditor ; no automated verifications Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entry constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. I never authorized ; these are fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
This entry is false, invalid, and not connected to me.

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 2025-12-01 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 write as a California XXXX XXXX XXXX XXXX  that has experienced identity theft, my personal information was stolen during the XXXX, Experian, and XXXX XXXX breaches. My SSN was used as personal gain for a scammer. The alleged bankruptcy reportings are identity theft, and this false information violates my rights.California courts told me that this reporting did not come from their office. Your agency continues to furnish and report fraud information. I never gave consent for this information and it is fraud. Your agency stated that you couldnt expunge fraudulent entry constitutes willful non-compliance and gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. 

a ) Bankruptcy ( XXXX XXXX XXXXXXXX ) XXXX  XXXX Dismissed : Case XXXX XXXX : Filed : XX/XX/XXXX b ) Bankruptcy ( XXXX XXXX XXXXXXXX ) XXXX  XXXX Dismissed : Case XXXX XXXX : Filed : XX/XX/XXXX c ) Bankruptcy ( XXXX  XXXX XXXXXXXX ) Chap XXXX Dismissed : Case XXXX XXXXXXXX : Filed : XX/XX/XXXX My credit file is contaminated with an account I did not open. Your failure to investigate, verify, and expunge these entries violate : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
a. 1681e ( b ) : Duty to maintain reasonable procedures to ensure maximum possible accuracy b. 1681i ( a ) : Duty to conduct a reasonable reinvestigation upon dispute c. 1681i ( 5 ) ( A ) : Duty to notify consumer of reinvestigation results in writing d. 1681c-2 : Mandatory expungement of identity-theft information XXXX. 15 U.S.C. 1681s-2 ( b ) : Furnishers duty after notice of dispute Under FCRA 1681i, you must complete a documented, effective investigation of each disputed item, including : a. Verification from the original creditor with wet-ink signature on the application b. Copy of government-issued photo ID used to open each account c. Proof of my express written authorization to open the accounts d. Confirmation of account opening dates relative to the XXXX  breach period e. Direct, signed affidavit from the original creditor ; no automated verifications Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entry constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. I never authorized ; these are fraudulent

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 2025-12-01 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: MoneyLion Inc.
State: MD

Complaint narrative:
I disputed the credit reporting on my MoneyLion XXXX XXXX XXXX after noticing excessive weekly late payment entries from XX/XX/XXXX through XX/XX/XXXX. All missed amounts were ultimately recovered on XX/XX/XXXX. 

MoneyLion completed an investigation and responded on XX/XX/XXXX, stating the reporting was accurate and closed the dispute without making any corrections. However, reporting more than 20 weekly late payments for what was functionally a single extended delinquency period is punitive and not a fair or accurate reflection of repayment behavior. 

I did not receive disclosure that weekly delinquencies would be reported, and this reporting method caused disproportionate long-term harm to my credit profile. I am requesting regulatory review of MoneyLions reporting practices and appropriate correction or deletion of the excessive late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in XXXX XXXX XXXX XXXX XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
At XXXX XXXX  on XX/XX/year> I received repeated texts from XXXX Harris & Harris XXXX purporting to collect a XXXX  XXXX  overdue bill. I do not owe anything to XXXX, XXXX  or any other provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: 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 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 2025-12-01 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: FL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-12-01 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: CT

Complaint narrative:
These TransUnion items also contain errors and require reinvestigation. Any account that can not be verified must be removed. 

Charged Off TU XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$980.00} Inquiries TU XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Late Payment TU 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 non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am a consumer attempting to correct my credit report. I am disputing the items listed below because they are inaccurate, unverified, and are causing harm to my credit profile. I am requesting a full investigation and removal of any information that can not be XXXX  % verified according to the FCRA. 

INQUIRIES XXXX XXXX XXXX, XX/XX/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 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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A debt validation letter was sent with detail information I needed before the XXXX  days grace period passed and never received it. However they did send XXXX statements along with XXXX blank pieces of paper with XXXX pieces of paper with signatures on them which is not what I requested.

Company response to consumer: Closed with explanation