vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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 these unauthorized accounts within XXXX  days as I have no ties to them peXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
Paid XXXX XXXX {$1800.00} they claim to be a realtor from XXXX XXXX XXXX XXXX for a place that didnt even exist when I went to the resident someone stayed there already I reported to chime they did nothing about it I have documents where they can see it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
I am disputing a XXXX XXXX account on my Equifax credit report that is being reported inaccurately. The payment history, balance, and account status shown are incorrect and can not be verified. This violates my consumer rights under the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, 1681s-2 ), which require credit reporting agencies and furnishers to ensure information is accurate, complete, and verifiable before reporting. I have previously disputed this with Equifax, but the inaccurate information remains on my credit report. Under the FCRA, if XXXX can not provide verified documentation supporting the accuracy of this account, it must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My credit union of over 20 year first was XXXX, Then became XXXX first, then became XXXX strong  just one day sent me a letter my account was closed due to a report that I was on CHEXSYSTEM they gave me a card with a number on it and contact information Ive reached out to chexsystem by writing them by emailing them and I can not get any information as to why Im on their list. And how to get removed I have two names on my credit report with an out of state address that are not me Ive tried to dispute and have this information removed from my credit report I dont know if it has anything to do with that. Ive never lived outside of California and Ive had my name since birth I dont have any other aliases

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 2025-10-17 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:
I am writing to request a reinvestigation of a late payment entry related to the following account, currently listed on my credit report. Under this statute, consumers have the right to dispute information on their credit report that they believe to be inaccurate, incomplete, or misrepresented, and credit reporting agencies are required to verify the disputed data with the data furnisher within the appropriate timeframe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} If any part of the late payment information reported by XXXX XXXX is found to be inaccurate, outdated, or misdated during your reinvestigation, I request that it be promptly corrected to reflect verified and accurate data, in accordance with FCRA 607 ( b ), which requires that all information included in a consumer report be maintained with the maximum possible accuracy.

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 2025-10-17 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: TX

Complaint narrative:
I am writing to request a reinvestigation of a late payment entry related to the following account, currently listed on my credit report. Under this statute, consumers have the right to dispute information on their credit report that they believe to be inaccurate, incomplete, or misrepresented, and credit reporting agencies are required to verify the disputed data with the data furnisher within the appropriate timeframe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} If any part of the late payment information reported by XXXX XXXX is found to be inaccurate, outdated, or misdated during your reinvestigation, I request that it be promptly corrected to reflect verified and accurate data, in accordance with FCRA 607 ( b ), which requires that all information included in a consumer report be maintained with the maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this statement to dispute several inaccurate charge-off accounts and inquiries appearing on my credit report. The following accounts are being reported as charge-offs but contain inaccurate or unverifiable information regarding dates, payment history, or balances : XXXX  XXXX ( Acct. ending XXXXXXXX XXXX XXXX, Balance {$600.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$1400.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$2000.00} ) ; XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ) ; XXXX XXXX  ( Accts. ending XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX, Balances {$8100.00} and {$10000.00} ) ; XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$300.00} ) ; and XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$1800.00} ). * * Additionally, the following inquiries are included in dispute : XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). These inquiries appear without permissible purpose or proper authorization, which may constitute a violation of FCRA 604 [ 15 U.S.C. 1681b ], governing the permissible purposes of consumer reports.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies and furnishers are required to maintain the maximum possible accuracy of reported information. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], data furnishers must not report information they know or have reasonable cause to believe is inaccurate.

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am filing a complaint against XXXX  for reporting inaccurate and inconsistent information on a collection account from MIDLAND CRED ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX  ). The account details vary across the XXXX major credit bureaus : XXXX  shows an open date of XX/XX/year> and last activity on XX/XX/year> ; XXXX  reports different XXXX and XXXXand different remarks ; XXXX  does not report the account at all. These discrepancies violate the Fair Credit Reporting Act ( 1681i ) and Fair Credit Billing Act ( 1666 ), making the account unverifiable and harmful to my credit. I requested a reinvestigation and deletion from XXXX  and XXXX, but the issue remains unresolved. I am seeking help to facilitate the immediate removal of this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I called to request for a payment settlement and they refused to provide it in writing, they wanted me to send a check to them without me having in writing the amount of de deb.

I send a letter on XX/XX/XXXX requesting them to validate the deb and they havent reply to my letter.

I want to make sure I have in writing any agreement we made.

The following day after I contacted on XX/XX/year> they refused the written document and they ran my credit report without my authorization and I have a hard inquiry in my 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 2025-10-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding DEPT OF EDUCATIONXXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. DEPT OF EDUCATIONXXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX & DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
I am submitting this statement because my credit report reflects a charge-off from XXXX XXXX ( Account ending in XXXX ) showing a balance of {$6300.00}, which I believe is being reported inaccurately. The account status and balance appear inconsistent with the actual payment history and closure terms provided by the creditor. This inaccurate reporting violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of information in consumer reports. Furthermore, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Debt collector put a debt on my credit and knocked it down over XXXX points for a false debt. I am still a customer of the utility company, and have never defaulted on a payment. The payment in question is for {$62.00} on XXXX XXXX. I have proof that Ive paid my bill on time since Ive started the utility account. I have email confirmations from the company who hired the debt collection agency, to prove that Ive never owed them anything. This debt should be removed from my credit report as it is a false debt that Ive never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable information being reported on my credit file. The addresses 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 are not and have never been my valid residential addresses. Reporting false or outdated addresses violates the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
In addition, several collection accounts are inaccurately reported. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX, Acct. ending XXXX ) shows a balance of {$490.00}, XXXX ( Acct. ending XXXX ) reports {$500.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX  Acct. ending XXXX ) reflects a balance of {$760.00}. These accounts lack verified documentation supporting their validity or my responsibility for them. Under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
I am filing this complaint to dispute inaccurate and unverifiable information being reported on my credit file. The addresses 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 are not and have never been my valid residential addresses. Reporting false or outdated addresses violates the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
In addition, several collection accounts are inaccurately reported. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX, Acct. ending XXXX ) shows a balance of {$490.00}, XXXX ( Acct. ending XXXX ) reports {$500.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX  Acct. ending XXXX ) reflects a balance of {$760.00}. These accounts lack verified documentation supporting their validity or my responsibility for them. Under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing a XXXX XXXX XXXX account on my Equifax credit report that is being reported inaccurately. The payment history, balance, and account status are incorrect and can not be verified. This violates my consumer rights under FCRA 1681e ( b ), 1681i, 1681s-2, which require credit reporting agencies and furnishers to ensure information is accurate, complete, and verifiable before reporting. I previously disputed this with Equifax, but the inaccurate information remains. Under the FCRA, if XXXX XXXX XXXX can not provide verified documentation supporting the accuracy of this account, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-17 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( 15U.S.C. & 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. {$1600.00}, you have the right to to dispute any account that is Not directly tied to a signed agreement, Has been sold or transferred without my consent, Or is being reported by a 3rd-party I have not never Contacted with being challenged as fraudulent Re- Aging the date of First Delinquency ( DOFD ) Violation FCRA & 1681 c ( b ), Metro 2 Guidelines Re-aging Debt is illegal Act of changing one delinquency date to make information receive longer than 7years Negative Debts preventing Consumer from obtaining any credit,.

Past 7years, Identity-Theft debt, Not even my Debt at all.

15U.S.C.1681-2 ( a ) T ( B ) Furnishers in a timely and reasonable manner of information must not be reported Inaccurate information if unknown accurate been satisfied.

15U.S.C. & 1681 ( a ) 7 ( A ) -Failure to reinvesting Inaccurate information 15U.S.C. & 1681 ( e ) ( b ) -Failure to maintain reasonable procedures to ensure maximum possible accuracy.

willful intentionally Repeatedly Reporting Same-Debts under different Companies name but is Same debt with consent Government debt Student loans thats Private Personal-information protected under the Federal Law. No Consent to reporting or agreement or contract nor to reporting Debt.. 
I never herd of Companys nor had a debt or signed contract or signed agreement with this company Data Breach Identity-Theft settlement failure to disclose as a Claimant Claim of Data Breach from Credit Reporting Agency

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