vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I am disputing inaccurate reporting for an XXXX XXXX account that appears on my credit file. 

The account was opened around XX/XX/XXXX and was fully paid and closed in XX/XX/XXXX. Despite being paid in full with a {$0.00} balance, the credit bureaus continue to report this account as delinquent with late payment codes ranging from 120 to 180 days. 

TransUnion reports the account as Closed 120 Days Late, while Experian reports Paid 180 Days Late. These statuses are inconsistent and misleading. Once an account is closed and paid, it should not continue showing a late payment status or ongoing delinquency. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) for accuracy and 1681i for failure to maintain and correct incomplete or inconsistent data. It also violates XXXX XXXX reporting guidelines, which require paid accounts to be coded as Paid/Closed No Past Due.

I request that the bureaus and data furnisher update this tradeline to reflect : Account Status : Closed Paid as Agreed/ {$0.00} Balance Payment Status : Paid, No Delinquency The inaccurate late-payment reporting has negatively affected my credit score and misrepresents my payment history. Please reinvestigate and correct or delete the inaccurate 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX unlawfully allowed police to enter my apartment in 2003 on or around XX/XX/XXXX without consent during a warrant for someone I did not know, then added another individual I know to my lease without permission and later filed an eviction that resulted from those actions. Even though the eviction went to court, the reporting of it as a debt or public record is inaccurate and unfair under 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law. 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately. 
FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX 7. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2025-11-05 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an account being reported by National Credit Adjusters , LLC showing a balance of approximately {$300.00}. I have never signed any contract with this company, nor do I have any record of doing business with them or the original creditor they claim to represent.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 809 ), I have the right to request validation of any alleged debt. National Credit Adjusters has failed to provide any documentation proving that this account is mine. Reporting an unverifiable debt to the credit bureaus also violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), which requires furnishers to report only accurate and verifiable information.

This false entry is negatively impacting my credit report and FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting to formally dispute inaccurate personal information appearing on my Experian consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Inaccurate address to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX This inaccurate personal information is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address and name listed above from my file, and update all consumer 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
b'I filed disputes with Experian due to identity theft \nProvided them with the appropriate documentation \n A copy of my government-issued ID\n A copy of a recent utility bill or proof of address\n A copy of my FTC Identity Theft Report Reference number #XXXX\nAlso filed complaint with the United postal service for identify theft. \n\nI am writing to formally dispute several unauthorized credit inquiries and decent collections  listed on my Experian\ncredit report. These inquiries and debt collections  were made without my consent and are the result of identity theft.\nFurthermore, I am disputing Equifaxs failure to properly investigate these inquiries, as\nrequired by the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i.\nWhen I previously submitted a dispute regarding these inquiries, I received an investigation\nresults letter within minutes of filingclearly indicating that no genuine investigation was\nconducted. Under the FCRA, Equifax is legally obligated to conduct a reasonable investigation\nand verify the legitimacy of disputed information, including credit inquiries. Failure to do so\nconstitutes a violation of federal law.\nPlease be advised that I am requesting the removal of all unauthorized inquiries and debt collections from my credit\nreport that resulted from identity theft. I am also requesting written confirmation that these\ninquiries have been deleted, along with the names and addresses of all creditors contacted\nduring your investigation, as required by law.\n\nInquiries: -\n XXXX XXXX XXXX XXXX XXXXCnot mine, XXXX  Factual Data Consumer Assistance, CXXXX XXXX XXXXnot mine 07/04/2024\n XXXX XXXX XXXX not mine 07/10/2024\n , XXXX XXXX XXXX not mine 01/20/2025\n , XXXX XXXXnot mine 02/24/2025\n , XXXX XXXXAL not mine 03/03/2025\n , XXXX XXXX XXXX XXXXot mine 03/03/2025\n , XXXX XXXX XXXXnot mine 03/03/2025\n , XXXX XXXX not mine 03/24/2025\n , XXXX XXXXnot mine 03/08/2025 08/\n , XXXX XXXX XXXX XXXX not mine 08/05/2025\n\n\nCollections:\n Possible Financial 1XXXX XXXX XXXX XXXX XXXX XXXXnot mine, 11/30/2024\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4not\nmine, 07/31/2022\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXot mine, 02/12/2025\n Columbia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnot mine \nXXXX XXXX XXXX not mine 03/04/2025'

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 2025-11-05 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 writing to formally dispute the accuracy of the following account and inquiries appearing on my Equifax credit report. I have reason to believe that these items are the result of unauthorized use of my personal information following a data breach. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full reinvestigation of these items. 
Account in Question : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate credit reporting information and has failed to provide validation or correct the data after I disputed it. The company did not provide documentation supporting the current balance, the charge-off amount, or the payment history being reported. 

After I disputed the reporting with the credit bureaus, the account was marked verified without any supporting documentation being provided to me, as required under FCRA 611 ( a ) ( 6 ). 

I am requesting CFPB assistance to ensure : XXXX XXXX XXXX provides full validation of the information they are furnishing or Delete the account for failure to comply with FCRA duties under 623 ( a ) and 611. 

I am not asking to remove accurate information I am requesting that inaccurate or unverifiable information be corrected or deleted.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate credit reporting information and has failed to provide validation or correct the data after I disputed it. The company did not provide documentation supporting the current balance, the charge-off amount, or the payment history being reported. 

After I disputed the reporting with the credit bureaus, the account was marked verified without any supporting documentation being provided to me, as required under FCRA 611 ( a ) ( 6 ). 

I am requesting CFPB assistance to ensure : XXXX XXXX XXXX provides full validation of the information they are furnishing or Delete the account for failure to comply with FCRA duties under 623 ( a ) and 611. 

I am not asking to remove accurate information I am requesting that inaccurate or unverifiable information be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this formal complaint to report multiple violations committed by the listed furnishers and entities below. These inaccurate and misleading items have caused significant harm to my creditworthiness and financial reputation. Despite my lawful rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the listed entities have failed to ensure accuracy, integrity, and proper authorization in their reporting and inquiries. I demand an immediate and thorough investigation by the CFPB to enforce compliance and remove or correct these items as required by law. 

XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX * * This charge-off is unverified and unsupported by any proof of debt or creditor notice. Reporting without validation violates FCRA 607 ( b ) and FDCPA 807 ( 8 ). No original documents were provided showing lawful charge-off authorization. This false charge-off continues to harm my credit reputation. I never received written confirmation or validation from the creditor. Immediate removal is required under FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} Late Payment * * These late payments are unproven and unverified. FCRA 609 ( a ) ( 1 ) ( A ) requires full documentation, which has not been shown. Reporting false delinquency without proof violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). The account shows missing payment verification records. I have repeatedly requested validation, but no creditor response has been provided. Failure to correct this error constitutes continued negligence. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose under FCRA 604 ( a ) ( 2 ). I never gave consent. Must be deleted for privacy violation. This inquiry damages my score without lawful justification. There is no existing application or credit relationship. The bureau is required to remove this under FCRA 611 ( a ).

These actions have resulted in inaccurate data being published about me, in violation of federal consumer protection laws. I request the CFPB to compel the above furnishers and entities to provide documented proof of accuracy and authorization or to immediately delete the disputed information from all consumer reporting agencies. I further demand verification documents, including any signed applications or authorization forms, as required under FCRA 609 ( A ) ( 1 ). I am requesting full enforcement of my rights under federal law and immediate remedial actions to correct all false, misleading, or unauthorized information that continues to harm my financial standing.

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 2025-11-05 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: NV

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: NV

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of the account listed below on my TransUnion credit report. I am a verified victim of a data breach, and my personal identifying information may have been compromised and used without my consent. Under the Fair Credit Reporting Act ( FCRA ) Section 602A, you are required to ensure that all information reported is complete, accurate, and verifiable.

Account in Dispute : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$840.00}

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 
The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXL 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 2025-11-05 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 
The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXL 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