vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : 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 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 explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I am disputing any account listed as charged off. Please verify its accuracy with the furnisher. If the furnisher can not provide documentation verifying the charge-off, please remove it from my report. 

2. Inquiries I am disputing the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> Please provide proof of authorization or remove these inquiries. 

3. Late Payments XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX I am disputing these reported late payments as inaccurate. Please provide documented proof that these payments were actually late ( including due dates and payment receipt records ). If proof can not be provided, please correct the payment history to reflect paid as agreed.

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 2025-11-18 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: TX

Complaint narrative:
I am disputing certain items on my Experian credit report, including inquiries and several late payments that I believe to be inaccurately reported or outdated. 

Charged Off Accounts : None. 

Inquiries : XXXXXXXX XXXX XXXX XXXX 

Late Payments : XXXXXXXX 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 2025-11-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request corrections on the following accounts reported by the credit bureaus. These accounts contain inaccuracies and discrepancies that I am seeking to have resolved as part of my credit repair process. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Discrepancy : This account is incorrectly reported as charged off. I request verification and correction of the status. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Discrepancy : The reported balance and status are inaccurate. Please provide proof of the reported information. 

Inquiries : XXXX  Date : XX/XX/XXXX Discrepancy : Please verify the legitimacy of this inquiry and confirm that it was authorized. 

XXXX Date : XX/XX/XXXX Discrepancy : I request verification of this inquiry and whether it was authorized by me. 

Late Payments : XXXX XXXX  Account Number : XXXX Discrepancy : The late payment reported on this account is incorrect. I request verification of the reported payment history. 

XXXX XXXX  Account Number : XXXX Discrepancy : The reported late payments are inaccurate. Please provide evidence of the late payments reported.

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 2025-11-18 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: GA

Complaint narrative:
I demand that these late payments and charge-off accounts be thoroughly investigated and permanently deleted from my credit reports at Equifax, Experian, and TransUnion. If the furnishers can not provide irrefutable proof of accuracy, the bureau must immediately remove the negative items to remain in full compliance with the FCRA and ensure the integrity of my consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This letter is intended as my formal objection to the accounts referenced. I did not approve or open them and have no connection. Please review and remove them. Supporting documents are included.

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 2025-11-18 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: AZ

Complaint narrative:
Subject : Medical debt reported without validation FDCPA 1692g ( b ) and FCRA 1681 violations Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion Experian Equifax Complaint Narrative : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has violated the FDCPA and the FCRA, and the credit bureaus are reporting unverified medical information. 

The collector first contacted me on XX/XX/year>. Within the required 30-day period, I requested full validation under 15 U.S.C. 1692g ( b ). The collector did not provide validation and continued collection activity and reporting, which is a direct violation of 1692g ( b ).

After failing to respond within the 30-day validation window, the collector later sent me a generic billing statement that does not constitute validation. They did not provide : itemized billing dates of service location of service XXXX codes Explanation of Benefits ( EOB ) proof of insurance submission or denial consent-to-treat or financial responsibility agreement assignment of debt HIPAA authorization any documentation showing they have the legal right to collect The only document they sent was a payment demand letter with a balance summary, which is not sufficient validation under 1692g ( b ). Despite this, they continued reporting the account and continued collection activity.

Furnishing medical debt without validation is a violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FDCPA 1692f FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681i I disputed the account with TransUnion, Experian, and Equifax. All three credit bureaus reported the account as verified, but none of them disclosed the method of verification, the documents used, or the procedures followed. The bureaus appear to have relied solely on an automated e-OSCAR response rather than conducting a reasonable reinvestigation, which violates FCRA 1681i.

I have now formally requested the Method of Verification from each credit bureau because the collector failed to validate and can not legally verify medical debt without proper documentation. 

Requested Resolution : I am requesting : Removal of the medical collection account from all three credit bureaus due to non-validation and improper furnishing. 

A formal investigation into Designed XXXX XXXX, XXXX for FDCPA and FCRA violations. 

A requirement that the credit bureaus explain how they conducted their reinvestigation and what documents were relied upon. 

I have attached the document the collector sent me as validation, which does not meet the legal standards.

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 2025-11-18 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: MD

Complaint narrative:
I am writing to formally dispute the following accounts that I believe are reported inaccurately or incompletely on my credit report. Below are the details of the disputed accounts : Charged Off : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
The website makes it very difficult to be proactive with my account. Today I tried to upload documents for loan forgiveness and every time I clicked the " next '' button the website would return me to the upload option. It's very frustrating because you have to wait forever, for customer service and I really believe that this is purposefully done to deter people from actually getting things done and being proactive to paying off student loans. This has happened on more than one occasion. After speaking with customer service, they explained that they see that a document was uploaded, but I have to wait XXXX before I can check to see if it was n fact uploaded. Again, this makes it extremely difficult to get things done with regards to trying to pay down this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate information reported by TransUnion. Despite several attempts to resolve these issues directly with TransUnion, the bureau has failed to provide sufficient verification or documentation as required by the Fair Credit Reporting Act, particularly 611. 

I am requesting that the CFPB ensure TransUnion conducts a full reinvestigation and removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( TU ) XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1600.00} These accounts are being reported inaccurately, and TransUnion has failed to provide necessary validation. 

Inquiries ( TU ) No inquiries listed to dispute. 

Late Payments ( TU ) 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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was scammed for XXXX dollars from a person who claimed to be from a cartel and he threatened me that If i don't send money to his zelle account they will show up to my house. The person also stated my house address which made it more serious to me which led me to send him the money. Not knowing until after that it was a scam, i was very scared about my Safety. I didn't contact the police or anything, because I researched after and saw that this cartel scam happens to everyone. I tried disputing the transaction from my bank, but they denied it because it was sent via zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} ) XXXX  XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} ) Inquiries : XXXX  : XXXX XXXX XXXX ( Date : 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 explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Could you glance over this entry? It was done late and might be off.

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 2025-11-18 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-18 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 non-monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-11-18 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, Wells Fargo withdrew all funds from my checking account, labeling the transaction as a " legal order - XXXX XXXX XXXX XXXX. '' I was never notified of any lawsuit, judgement, or receivership that would authorize this. I did not receive service, notice or any opportunity to dispute or respond before my account was emptied. When I went to the XXXX, XXXX  branch for clarification, I was given incomplete and partially blank court documents. The attorney listed, XXXX XXXX XXXX XXXX, claims to be acting on behalf of XXXX XXXX XXXX ( XXXX ). However, when I contacted XXXX directly, they stated they have no record of this attorney representing them and they refused to validate the debt. Wells Fargo also allowed funds to be taken from my daughters separate accounts, even though they are independent account holders. 
The representative attorney listed XXXX XXXX XXXX. At the end of the day the debt is unclear or unvalidated. The entities conflict with each other Wells Fargo may have acted on invalid or fraudulent information. I was denied due process There is no legitimate/ validated legal order supporting the seizure Because of this withdrawal, I have been unable to make essential payments such as my car payment, utilities and credit cards. This situation is creating significant financial hardship.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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