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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am sending this complaint because my credit report contains multiple inaccuracies and obsolete charge-off accounts that violate the Fair Credit Reporting Act ( FCRA ), including 605 ( a ) [ 15 U.S.C. 1681c ] Obsolete Information, 605 ( c ) Date of Commencement of Delinquency, 623 ( a ) ( 5 ) Obligation to Report Accurate DOFD, 611 [ 15 U.S.C. 1681i ] Consumer Dispute Rights, and 607 ( b ) Obligation to Maintain Accuracy.The XXXX XXXX Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, showing a {$760.00} balance with a Date of Last Activity of XX/XX/XXXX, was deleted from Experian and Equifax but still appears as a charge-off, violating 605 ( a ). The XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX charge-off for {$2700.00} lists conflicting Dates of Last Activity ( XX/XX/XXXX and XX/XX/XXXX on TransUnion ) and remains reported even though Equifax deleted it, violating 623 ( a ) ( 5 ). The XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account reports a {$5900.00} balance with inconsistent Dates of Last Activity ( XX/XX/XXXX and XX/XX/XXXX ), violating XXXX ( b ), which requires maximum possible accuracy.If any of these debts were forgiven over {$600.00}, creditors were required to issue a Form 1099-C to the IRS, and the absence of that raises questions about their validity.My report also includes inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX and XXXX XXXX, XXXX XXXX, NV XXXX which are not mine, along with unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). These errors violate the FCRAs intent under 602 to ensure fairness, impartiality, and accuracy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Applying for an online loan. XXXX told me he worked for onemain loans. His name is XXXX XXXX. He had me buy prepaid cards and send him pictures of them. He drained my bank account and put me in a negative balance. I can't pay my bills. He scoffed when I told him I was going to report him. I live on ss and my bank account is in the negative

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute certain items that have been inaccurately reported on my credit file. After reviewing my credit report, I have found several discrepancies regarding addresses, public information, and inquiries that do not reflect my actual financial history or personal circumstances. I respectfully request that your office conduct a thorough investigation of these items and update my report accordingly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Bankruptcy Reference # : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I ask that your bureau investigate these inquiries and remove any that can not be substantiated as authorized by me. As a consumer, I understand my rights under the Fair Credit Reporting Act, including the right to dispute inaccurate information that may impact my financial reputation. I request that your bureau conduct a full investigation into the inaccuracies mentioned above under FCRA 611 ( 15 U.S.C 618i ). I also remind you that FCRA 623 ( b ) places the responsibility on furnishers to investigate disputes and correct inaccuracies promptly.

Moreover, FCRA 602 outlines the Congressional findings and purpose, emphasizing the need for fair, accurate, and confidential credit reporting.

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: FL

Complaint narrative:
I am submitting to formally dispute certain items that have been inaccurately reported on my credit file. After reviewing my credit report, I have found several discrepancies regarding addresses, public information, and inquiries that do not reflect my actual financial history or personal circumstances. I respectfully request that your office conduct a thorough investigation of these items and update my report accordingly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Bankruptcy Reference # : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I ask that your bureau investigate these inquiries and remove any that can not be substantiated as authorized by me. As a consumer, I understand my rights under the Fair Credit Reporting Act, including the right to dispute inaccurate information that may impact my financial reputation. I request that your bureau conduct a full investigation into the inaccuracies mentioned above under FCRA 611 ( 15 U.S.C 618i ). I also remind you that FCRA 623 ( b ) places the responsibility on furnishers to investigate disputes and correct inaccuracies promptly.

Moreover, FCRA 602 outlines the Congressional findings and purpose, emphasizing the need for fair, accurate, and confidential credit reporting.

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: SC

Complaint narrative:
I am filing this complaint against TransUnion LLC for their ongoing failure to correct my personal information and remove inaccurate accounts from my credit report, despite multiple disputes and the submission of supporting documentation. 

In XX/XX/year>, I submitted documentation to TransUnion requesting correction of my personal information, specifically my current address ( XXXX XXXX XXXX ). Despite this, TransUnion has ignored my request and continues to report outdated or incorrect addresses on my file. 

Additionally, I have disputed two XXXX accounts that do not belong to me multiple times. I have clearly stated that these accounts are inaccurate and have no connection to me, yet TransUnion continues to report them as valid. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) specifically 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving notice from the consumer.

TransUnions failure to : Correct my personal information after proper documentation was submitted, and Remove two inaccurate XXXX accounts after multiple disputes, demonstrates negligence and noncompliance with federal consumer protection laws.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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: 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: FL

Complaint narrative:
My Personal information was leaked during the Transunion Data breach. Multiple attempts have been tried to reach out to these companies and Investigate and remove these fraudulent Accounts. I've submitted countless documents however " they have not been received '' is the only response. My dispute has been ignored and not investigated properly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This letter serves as my first formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX  XXXXXXXX XXXX XXXX Balance Owed XXXX {$380.00} XXXX  XXXX Bankruptcy Discharged XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX ) is inaccurately reporting XXXX accounts on my credit reports with late payments, even though these were credit-builder accounts that were closed and paid in full over a year ago. 

XXXX XXXX continues to furnish data indicating recent delinquencies on accounts that no longer exist, which is factually false. This violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which prohibit furnishers from reporting or failing to correct information they knowor should knowis inaccurate. 

I have attached my credit report showing the XXXX accounts still reporting late. These accounts were part of a closed credit repair program, not revolving credit lines, and should not reflect ongoing activity or missed payments. 

This inaccurate reporting has caused measurable damage to my creditworthiness and ability to obtain housing. I am requesting that the CFPB require XXXX XXXX to : XXXX. Immediately delete or correct all three tradelines from Experian, Equifax, and TransUnion ; XXXX. Report the accounts as closed, paid in full, with XXXX balance and no late payments ; XXXX. Provide written confirmation of compliance within 15 days. 

If this issue is not resolved promptly, I will escalate it to the XXXX XXXX XXXX XXXX XXXX XXXX and the California Department XXXX XXXX XXXX and XXXX ( XXXX ) for further review under FCRA and California Civil Code 1785.25 ( a ).

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: 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: CA

Complaint narrative:
I have filed three Method of Verifications for this account being reported on my credit report. Transunion keeps sending me verified results. They obviously aren't looking at my documents because clearly they are in violation of my consumer rights. I have requested three method of verifications. This is an abuse of their power and an abuse to me because I am not a graduate of consumer law. No I am not. But I know when I dispute something, it's their responsibility to reinvestigate my concerns. I am requesting again, their method of verification. Who'd they talk to? How did they talk to them? When did they forward the dispute to them? Name, address, phone number and name of person they talked to.

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: SC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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: EQUIFAX, INC.
State: SC

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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Whom It May Concern, I am writing to formally notify you that the account in question was fraudulently opened in my name without my knowledge or authorization. I am the victim of identity theft and have filed official reports with the following agencies and authorities : My local police department The Federal Trade Commission ( FTC ) - Identity Theft Report pursuant to 15 U.S.C. XX/XX/XXXXXXXX and XXXX XXXX ( Fair Credit Reporting Act ) The Internet Crime Complaint Center ( XXXX ) - FBI The Consumer Financial Protection Bureau ( CFPB ) The Social Security Administration ( XXXX XXXX Additional relevant state and local authorities Under the Fair Credit Reporting Act ( 1 5 U.S.C. XXXX XXXX et seg. ) and the Identity Theft and Assumption Deterrence Act ( XXXX XXXX. {$1000.00} ), I am requesting the immediate removal, investigation, and permanent deletion of this unauthorized account from your System. 
I have been the victim of multiple data breaches, and as a result, unauthorized parties have fraudulently used my personal identifying information to open accounts without my consent. Please be advised that I was not residing in the State of Ohio at the time this account was allegedly created In accordance with federal law, I hereby demand that you : XXXX. Conduct a reasonable investigation into this matter pursuant to your obligations under 1 5 U.S.C. XXXX XXXX. 
XXXX. Remove and/or block all information associated with this fraudulent account XXXX. Provide written confirmation once the account has been removed and your investigation is complete. 
Should you require additional documentation, I am prepared to provide copies of my identity theft reports, police report, and relevant case reference numbers. 
Please consider this a formal legal notice under applicable federal and state consumer protection laws. 
Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of data breach. Based on the information provided, Equfax, TransUnion and Experian records indicate my personal information was impacted by this data breach incident. " I recently learned about the TransUnion data breach, and under the FCRA, Proof of my assigned engagement number XXXX I'm requesting to verify and remove all inquiries on all XXXX credit reporting agencies, that can not be confirmed directly by the furnisher. '' Proof I gave permission to request my credit report in the past XXXX  years be 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 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 submitting a follow up on a previous dispute concerning an inaccurate addresses on my credit report that I believe to be unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the addresses. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am submitting to formally dispute the reporting of several XXXX and XXXX XXXX accounts on my credit report that I have determined to be inaccurate. Several of these XXXX accounts, while representing the same underlying account, are being reported with different balances and overlapping late payment histories. For example, one XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, is reported with a balance of {$2900.00}, while another report of the same account shows a balance of {$14000.00}, and yet another shows {$9600.00}. 
Similarly, other XXXX accounts opened between XXXX and XXXX are reporting differing balances but show identical patterns of late payments, including 90 days late in XX/XX/XXXX and XXXX XXXX 120 days late in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9600.00} Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. The credit bureau is required to conduct a reasonable reinvestigation of these accounts, including contacting the account furnishers to verify the correct balances, late payment history, and overall account status. Any inaccuracies discovered must be corrected and updated to accurately reflect my financial records.

Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable

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