vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-29 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ XXXX 120 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Late 60 Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters over to the companies and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -- Balance : {$3600.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX Balance : {$1300.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$4700.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX I XXXX XXXX # XXXX -- Balance : {$140.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was charged an extreme amount of interest rate for XXXX along with late charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiable.

To date, you have not provided : Proof of verification Documentation from the furnisher Contact details of the person who claimed to verify Any evidence showing the information is correct If these accounts can not be verified with original documentation, they must be deleted immediately.

This is a lawful request for compliance with federal law. A verified response without proper documentation is not a lawful verification.

I request a complete reinvestigation and the removal of any information that can not be verified with documented proof.

This account shows paid in settlement yet continues to report CO months after being closed, which is inaccurate and violates FCRA 623 ( a ). A settled account can not keep updating CO. Please correct or delete

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 2025-11-29 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: NJ

Complaint narrative:
I am filing this complaint because XXXX and the credit reporting agencies are reporting multiple inaccurate and inconsistent data points about my XXXX XXXX account across TransUnion, Experian, and Equifax. 

There is NO fraud involved. My prior CFPB complaint was closed with a potential fraud note, which is incorrect and non-responsive. I have never reported identity theft. 

My dispute concerns inaccurate credit reporting including : 1. Inaccurate payment history Experian is reporting 30-, 60-, and 90-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
TransUnion and Equifax both report OK for those same months. 
My XXXX account has been current since XX/XX/XXXX, so these late payments are false. 

2. Different Date Opened across bureaus XXXX : XX/XX/XXXX EX : XX/XX/XXXX EQ : XX/XX/XXXX XXXX. Incorrect credit limit information XXXX and XXXX show {$1000.00}. 
Equifax incorrectly shows {$0.00}, which is not accurate and negatively impacts my XXXX XXXX. 

XXXX. Inconsistent High Credit amounts XXXX and EX show {$1100.00}. 
Equifax shows {$1000.00}. 

XXXX. Incorrect Date of Last XXXX XXXX : XX/XX/XXXX EX : XX/XX/XXXX EQ : XX/XX/XXXX XXXX. Inaccurate Date Last Active Experian incorrectly reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 

These errors violate FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( b ) ( duty to report accurately and correct inaccuracies ).

I request that the CFPB require the companies to either : ( 1 ) Provide the actual XXXX XXXX records used to verify each disputed item ( payment history, date opened, high credit, credit limit, date last active, date of last payment ), OR ( 2 ) Correct all of the inaccurate data across all bureaus and delete the false late payments for Dec 2023Feb 2024.

Again, this is NOT a fraud claim. This is an accuracy and reinvestigation issue under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I am filing this complaint because XXXX and the credit reporting agencies are reporting multiple inaccurate and inconsistent data points about my XXXX XXXX account across TransUnion, Experian, and Equifax. 

There is NO fraud involved. My prior CFPB complaint was closed with a potential fraud note, which is incorrect and non-responsive. I have never reported identity theft. 

My dispute concerns inaccurate credit reporting including : 1. Inaccurate payment history Experian is reporting 30-, 60-, and 90-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
TransUnion and Equifax both report OK for those same months. 
My XXXX account has been current since XX/XX/XXXX, so these late payments are false. 

2. Different Date Opened across bureaus XXXX : XX/XX/XXXX EX : XX/XX/XXXX EQ : XX/XX/XXXX XXXX. Incorrect credit limit information XXXX and XXXX show {$1000.00}. 
Equifax incorrectly shows {$0.00}, which is not accurate and negatively impacts my XXXX XXXX. 

XXXX. Inconsistent High Credit amounts XXXX and EX show {$1100.00}. 
Equifax shows {$1000.00}. 

XXXX. Incorrect Date of Last XXXX XXXX : XX/XX/XXXX EX : XX/XX/XXXX EQ : XX/XX/XXXX XXXX. Inaccurate Date Last Active Experian incorrectly reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 

These errors violate FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( b ) ( duty to report accurately and correct inaccuracies ).

I request that the CFPB require the companies to either : ( 1 ) Provide the actual XXXX XXXX records used to verify each disputed item ( payment history, date opened, high credit, credit limit, date last active, date of last payment ), OR ( 2 ) Correct all of the inaccurate data across all bureaus and delete the false late payments for Dec 2023Feb 2024.

Again, this is NOT a fraud claim. This is an accuracy and reinvestigation issue under 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 non-monetary relief
Consumer complaint received 2025-11-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
[ XXXX XXXX XXXX VIA Email : XXXX ] Re : Unauthorized Use of My Collection / Intellectual Property Cease and Desist To Whom It May Concern : I am writing to formally notify you that you are unlawfully using elements of my collection, specifically [ brief descriptione.g., artwork, photographs, trading card designs, digital assets, written materials, etc. ] ( the Collection ), which I created and own exclusively.

It has come to my attention that [ describe what the recipient is doinge.g., reproducing, selling, displaying, distributing, posting online, or otherwise using your work ] without my permission. This unauthorized use infringes upon my rights under applicable copyright and intellectual property laws.

I hereby demand that you : Immediately cease and desist from any and all use, reproduction, distribution, display, or sale of any part of my Collection ; Remove all copies from websites, marketplaces, social media, advertising, or physical locations ; Confirm in writing within 7 days of receipt of this letter that you have complied with these demands. 
Failure to comply will leave me no choice but to pursue all available legal remedies, including but not limited to seeking damages, attorneys fees, and injunctive relief. 
This letter is written without prejudice to my rights, all of which are expressly reserved. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Aargon Agency, Inc.
State: MD

Complaint narrative:
Cites 15 U.S.C. 1681s-2 ( FCRA Furnisher Duties ) XXXX XXXX XXXX The furnisher in question has failed to meet their obligations under 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of information that is inaccurate, incomplete, or can not be verified.

Additionally, after receiving notice of my dispute, the furnisher was required under 15 U.S.C.

1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information I submitted, and correct or delete the information if it could not be verified.

Despite these statutory obligations, the account continues to be reported inaccurately and without proper verification. I am requesting the CFPBs assistance in ensuring that the furnisher performs a lawful investigation and updates, corrects, or removes the disputed information as required by federal law.

Cites 15 U.S.C. 1692g ( b ) ( FDCPA Validation Requirements ) The debt collector associated with this matter has failed to comply with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. I submitted a timely written request for validation, which legally requires the collector to : Cease all collection activity until verification of the debt is provided, and Provide proper documentation establishing the validity and ownership of the alleged debt.

The collector has either continued collection efforts without providing validation or has provided insufficient documentation that does not satisfy the statutory requirements. This conduct violates the FDCPA, and I request CFPB review and corrective enforcement.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute concerning a collection account currently reported on my Equifax and TransUnion credit file. Despite previous dispute attempts, this account remains inaccurately reported and continues to misrepresent my credit history. I am requesting a thorough reinvestigation and correction of this account in accordance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These repeated inaccuracies create a misleading picture of my financial behavior and affect my creditworthiness. 
XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance {$14000.00}

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 explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please correct/update this inaccurate information on my credit 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 2025-11-29 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: NY

Complaint narrative:
Several accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. 
This inclusion presents inaccurate and misleading information about my financial history, which is entirely unacceptable. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern. 
I require immediate clarification on why these accounts are appearing on my report and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX - Balance : {$1900.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$1200.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$3700.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$9500.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$100.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX 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

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 2025-11-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
there are inquiries from XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year> XXXX do not remember giving consent for these inquiries please take them off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: AZ

Complaint narrative:
I am submitting this letter as my third formal dispute regarding inaccuracies on my Experian and Transunion credit report. Despite previous attempts to address these issues, the account in question continues to be reported inaccurately. I am formally requesting a complete reinvestigation of all disputed items in accordance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), to ensure that all reported information is accurate, complete, and verifiable. Inaccurate and misleading information reported on my credit file in violation of FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 605 ( c ). Several Accounts are reported inconsistently or without proper validation. I am disputing multiple collection accounts reported inaccurately in violation of FDCPA 809, 807, 808 and FCRA 605 ( a ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX, XXXX XXXX XXXX XXXX Balance XXXX. I am disputing unauthorized inquiries and inaccurate personal information in violation of FCRA 611. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX HI XXXX XXXX. The following inquiries do not belong to me and appear to be the result of mixed file or mistaken identity.

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