vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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 am disputing the accuracy and completeness of the following information reported on my Experian credit report. Some accounts may be incomplete, inaccurate, or unverifiable, and certain inquiries may not have been authorized. I request that Experian conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts in Dispute : XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$44.00} XXXX XXXX Account XXXX. XXXX  Date : XX/XX/XXXX Balance : {$140.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$93.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX. XXXX Date : XX/XX/XXXX Balance : {$1300.00} Inquiries in Dispute : XXXX XXXX XX/XX/XXXX Late Payment Accounts in Dispute : XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Please verify each account with the original creditor and confirm that the information is accurate, including balances, dates, and late payments. Remove any unverifiable items. 

Thank you for your prompt reinvestigation.

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 2025-11-11 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: IL

Complaint narrative:
I am submitting this complaint to dispute inaccurate information reported on my credit reports with the major credit bureaus. Below are the details of the accounts in dispute, separated by each bureau. I respectfully request that an investigation be conducted, and any inaccuracies be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : 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
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

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

Complaint narrative:
I am submitting this formal complaint regarding several inaccurate and unverifiable items being reported on my credit file by certain furnishers and credit bureaus. These errors are damaging my credit reputation and are in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported must be accurate, complete, and verifiable. 

Below are the specific accounts and inquiries in question XXXX XXXX  XXXX XXXX XXXX High Balance : {$2300.00} | Date Opened : XX/XX/XXXX | Reported Late Payment I dispute the reported late payment, as I have never made any late payments on this account. This reporting is false and misleading, and I demand that the inaccurate payment history be immediately corrected to reflect an on-time record. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1300.00} | Date Opened XXXX XXXXXX/XX/XXXXXXXX XXXX Reported Late Payment This account also incorrectly reflects a late payment. I have no record of any delinquency and request a thorough reinvestigation. This error must be corrected to show a perfect payment record, as required under FCRA 611 ( 15 U.S.C. 1681i ). 

XXXX XXXX  ( Inquiry dated XX/XX/XXXX ) XXXX XXXX  XXXX ( Inquiry dated XX/XX/XXXX ) XXXX  ( Inquiry dated XX/XX/XXXX ) These inquiries were not authorized by me. I have no prior relationship or application for credit with these institutions. Therefore, these hard inquiries are unverified and unauthorized, constituting a violation under FCRA 604 ( a ) ( 2 ). I am requesting that these inquiries be removed immediately from all credit reporting agencies. 

The presence of these inaccurate accounts and unauthorized inquiries has negatively impacted my credit score and overall financial standing. I have previously attempted to dispute these items with the credit reporting agencies, but the furnishers failed to provide proper verification or supporting documentation as required by law. 

Therefore, I am requesting that the CFPB : Initiate an investigation into these inaccuracies and the furnishers verification procedures. 

Ensure immediate correction or removal of all unverifiable or inaccurate entries from my credit report. 

Hold the furnishers accountable for any FCRA violations that have occurred. 

I am attaching copies of my identification and supporting documentation for your review. Please confirm receipt of this complaint and inform me of the actions taken. 

Thank you for your attention to this matter. I expect a prompt and thorough response in accordance with federal law.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: KY

Complaint narrative:
So I have lived at this XXXX apartment for XXXX  years my address was XXXX XXXX  XXXX  XXXX XXXX XXXX  I have never miss rent or any bills. With all the struggles that we have to deal with in the apartment. On XX/XX/XXXX the water from the sink was leaking really bad, we call the office to come fix it as we should when they came they said that they found a broken pipe behind the wall under the sink which we dont have access to it took them XXXX weeks to come and fix it. In those XXXX we have suffered tremendously with all coming from the apartment upstairs. And I have all information on file. They even give me an eviction notice in violation of the apartment contract saying that I have to pay for all the fixings that they did in the apartment from the water pipe.

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

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-11 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-11 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 am disputing the following items that I believe to be inaccurate or outdated on my credit report : Charged Off Accounts 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

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 2025-11-11 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: PA

Complaint narrative:
Subject : FRAUDULENT ACCOUNT DISPUTE FCRA 1681c-2, 1681i, and 1681e ( b ) 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 I am writing to formally dispute the reporting of the above-referenced accounts as fraudulent and inaccurate under my credit file. These accounts does not belong to me, and its presence violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

This account is fraudulent and was opened without my knowledge, consent, or authorization. I have never entered into any agreements or received any funds, goods, or services from the above accounts or any related entity.

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 2025-11-11 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:
The credit bureaus are reporting inaccurate and unverifiable information that does not belong to me. I have repeatedly disputed these items and requested verification of all accounts, inquiries, and addresses, including the original signed contracts bearing my wet signature as proof of authorization. 

Despite these lawful requests, the bureaus failed to provide any documentation verifying these accounts as legitimate, yet continue to report them. This is a violation of the Fair Credit Reporting Act ( FCRA ) 602 ( a ), 607 ( b ), 611 ( a ), and 611 ( a ) ( 5 ), as well as the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) and 809 ( b ). 

The Supreme Court has affirmed in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) that due process requires verifiable accuracy and consumer disclosure of verification methods. 

I have also filed formal cease and desist and affidavit notices to the credit bureaus. The items remain unvalidated and are being willfully reported in violation of federal consumer law.

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 2025-11-11 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:
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 2025-11-11 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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

Complaint narrative:
I have also reviewed my TransUnion credit report and noticed discrepancies in the information. The following accounts are in dispute : CHARGED OFF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$900.00} INQUIRIES : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : 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
Consumer complaint received 2025-11-11 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: PR

Complaint narrative:
I am a documented victim of identity theft ( FTC Identity Theft Report # XXXX, filed on XX/XX/XXXX ). For several years, I have submitted more than thirty ( 30 ) disputes to TransUnion, Experian, and Equifax, requesting the deletion of fraudulent accounts that do not belong to me, yet all three credit reporting agencies have continuously failed to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Between XXXX and XXXX, these agencies have repeatedly verified false information without conducting reasonable investigations or providing any corroborating documentation to prove that the disputed accounts are legitimately mine. Despite numerous certified letters, official FTC reports, and evidence of identity theft, they continue to report the same fraudulent accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the XXXX bureaus have provided copies of applications, signatures, IP addresses, or identification used to verify these accounts. Their pattern of negligence and willful noncompliance with 1681i and 1681c-2 demonstrates a systemic failure to protect consumers and to uphold their legal obligations under federal law. 

This ongoing inaction has caused severe and continuous harm to my credit reputation, including the denial of a federal student loan and the inability to rebuild my financial standing. I am requesting that the CFPB intervene immediately to ensure that all three agencies permanently delete the fraudulent accounts, correct my credit files, and provide written confirmation that my identity theft report has been properly processed.

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

Complaint narrative:
I am a documented victim of identity theft ( FTC Identity Theft Report # XXXX, filed on XX/XX/XXXX ). For several years, I have submitted more than thirty ( 30 ) disputes to TransUnion, Experian, and Equifax, requesting the deletion of fraudulent accounts that do not belong to me, yet all three credit reporting agencies have continuously failed to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Between XXXX and XXXX, these agencies have repeatedly verified false information without conducting reasonable investigations or providing any corroborating documentation to prove that the disputed accounts are legitimately mine. Despite numerous certified letters, official FTC reports, and evidence of identity theft, they continue to report the same fraudulent accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the XXXX bureaus have provided copies of applications, signatures, IP addresses, or identification used to verify these accounts. Their pattern of negligence and willful noncompliance with 1681i and 1681c-2 demonstrates a systemic failure to protect consumers and to uphold their legal obligations under federal law. 

This ongoing inaction has caused severe and continuous harm to my credit reputation, including the denial of a federal student loan and the inability to rebuild my financial standing. I am requesting that the CFPB intervene immediately to ensure that all three agencies permanently delete the fraudulent accounts, correct my credit files, and provide written confirmation that my identity theft report has been properly processed.

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 2025-11-11 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 submitting this complaint to dispute inaccurate information reported on my credit reports with the major credit bureaus. Below are the details of the accounts in dispute, separated by each bureau. I respectfully request that an investigation be conducted and any inaccuracies be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XX/XX/XXXXAccount Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXXAccount Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$5000.00} Inquiries : Experian ( XXXX ) : XX/XX/XXXX Date Opened : XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX Date Opened : XX/XX/XXXXXX/XX/XXXX Date Opened : XX/XX/XXXXXX/XX/XXXXDate Opened : 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