vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
Company is falsely in representation of the amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. 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. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
This account is not mine it seems to me that this is a insurance debt trying to be collected by a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NV

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS XXXX XXXX  # XXXX * * * * * - Date Opened XX/XX/XXXX Balance - {$4400.00} XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Balance - {$670.00} XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Balance - {$2300.00} XXXX XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Balance - {$560.00} XXXX XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Balance - {$6600.00} XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Balance - {$3700.00} XXXX XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX - Balance - {$0.00} XXXX # XXXX * XXXX * - Date Opened XX/XX/XXXX - Balance - {$4000.00} XXXX XXXX XXXX # XXXX XXXX XXXX * * * * * * * * - Date Opened XX/XX/XXXX Balance - {$890.00}

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 2025-11-10 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:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. 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. 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 2025-11-10 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
They are reporting multiple derogatory trade lines that I am disputing as unverified, inaccurate, and non-compliant under the FCRA and FDCPA. I made formal demand for the method of validation and reinvestigation, including full documentation proving liability, ownership, and reporting compliance and they didn't comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate, inconsistent, and unverifiable information regarding XXXX installment loans that were both sold and paid in full. XXXX  has already deleted these tradelines after reinvestigation, confirming the data could not be verified or was inaccurate, yet TransUnion and XXXX  continue to report them with conflicting and misleading information. The first Upstart loan ( ending in XXXX ) was sold to Indebted in early 2023, and the second Upstart loan ( ending in XXXX ) was sold to XXXX XXXX and paid in full, as confirmed by Velocitys legal counsel, XXXX XXXX XXXX, XXXX. Despite these transfers and payments, XXXX continues furnishing charge-off data to TransUnion and XXXX, creating the false appearance of active delinquency. My attached IdentityIQ screenshots clearly show the discrepancies : each bureau lists different Last Reported and Charge-Off dates, different balances, and contradictory account statuses such as Paid Profit and Loss, Unpaid Balance Reported as a Loss, and Reinvestigation in Progress. These inconsistencies violate FCRA 607 ( b ) ( failure to ensure maximum accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), 623 ( a ) ( 2 ) ( failure to update or correct ), 605 ( c ) ( unlawful re-aging ), and 611 ( a ) ( 5 ) ( requirement to delete unverifiable information ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX IL XXXX\nExperian\nP.O. Box 4500\nAllen, TX XXXX\nSubject: Dispute of Inaccurate Information on My Credit Report\nDear Experian,\nI am writing to dispute the following inaccurate information on my credit report, which I found\nduring a recent review of my report from Experian. This dispute is being submitted pursuant to\nmy rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the\nreporting of accurate information by credit reporting agencies and furnishers of credit data.\nDisputed Account Details:\nXXXX XXXX XXXX\nThis account is inaccurately reported. I am attaching supporting documentation to prove that\nthe information is incorrect, including:\n- Copy of ID\n- SSN\n- Proof of Address\nAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving\nthis letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.\n 1692, debt collectors and creditors must report accurate information and correct or delete\nincorrect data promptly.\nRequest for Action:\nXXXX. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate\ninformation from my credit report across all relevant credit bureaus.\nXXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this\ndispute within XXXX XXXX business days, and a final resolution within the legally mandated\ntimeframe.\nXXXX Notify the Bureaus: If you determine that the account was reported incorrectly, please\ninform all three credit bureaus so they can update my report accordingly.\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial\nProtection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals\nOffice.\nLegal Notice:\nPlease be advised that this letter serves as formal notice that I reserve my rights under all\napplicable federal and state consumer protection laws. If further inaccuracies or noncompliance\nare identified, I may pursue additional actions.\nThank you for your prompt attention to this matter. Please send any responses or updates to\nXXXX\nSincerely,\nXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX, MA XXXX I XXXX XXXX is disputing this amount of XXXX XXXX Credit Collection Service have not provided original creditor documentation or assignment records proving ownership Reporting without validation violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  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 2025-11-10 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: AZ

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 2025-11-10 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 filing this complaint because there are several items on my credit reports that appear inaccurate, outdated, or unverifiable. I am requesting a full reinvestigation of the accounts and inquiries listed below, and for any information that can not be verified to be permanently deleted from my credit file. I am providing detailed statements for each bureau. 

Charged-Off Account : XXXX XXXX XXXX Account # XXXX Reported XX/XX/year> Balance : {$0.00} Issue : This account is being reported as charged off, but the information is inaccurate and can not be verified. The balance is listed as {$0.00}, suggesting the account is closed and/or settled. If the balance is XXXX, there should be no charge-off or negative payment history reported. I am requesting that Equifax investigate this entry, verify the accuracy with the furnisher, and delete it if unverifiable. 

Inquiries : No disputed inquiries listed on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 filing this complaint because there are several items on my credit reports that appear inaccurate, outdated, or unverifiable. I am requesting a full reinvestigation of the accounts and inquiries listed below, and for any information that can not be verified to be permanently deleted from my credit file. I am providing detailed statements for each bureau. 

Charged-Off Accounts : XXXX XXXX  XXXX Account # XXXX Reported XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account # XXXX Reported XX/XX/XXXX Balance : {$3900.00} XXXX  Account # XXXX Reported XX/XX/XXXX Balance : {$8800.00} Issues : XXXX XXXX  XXXX : Charged off but shows a XXXX balance ; please verify or delete if not verifiable. 

XXXX XXXX  : Possibly outdated ; confirm the date of first delinquency and compliance with FCRA reporting timelines. 

XXXX  : Requesting verification of account accuracy, balance, and charge-off status. 

Inquiries ( Unfamiliar or Unauthorized ) : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief