vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: IA

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the XXXX major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 




Previous Addresses to Remove or Correct The following addresses are outdated and should not appear on my credit file : XXXX XXXX XXXX XXXX D, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX Off Accounts in Dispute The following accounts are being reported inaccurately or unverifiably and should be re-investigated and removed if not fully validated : AFFIRM XXXX XXXX XX/XX/XXXX {$0.00} AFFIRM XXXX XXXX XX/XX/XXXX {$0.00} AFFIRM XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX CARD XXXX XX/XX/XXXX {$3700.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} FAMILY XXXX XXXX XX/XX/XXXX {$350.00} FAMILY XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$9900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1500.00} Unauthorized/Questionable Inquiries I did not authorize or recognize the following inquiries. Please verify their legitimacy or remove them : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX BANK ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) Late Payments in Dispute The following accounts are showing late payments that I believe are inaccurate or misreported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-15 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: Freedom Mortgage Company
State: SC

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I noticed on my credit report a " personal loan '' that was closed for the amount of {$1000.00}. The loan is from a company called XXXX XXXX. When I called them they told me I needed to call true accord ( XXXX ) to deal with this. I called True Accord twice to get details and they transferred me before hanging up on me both times. 

I don't have a True accord account and I'm not in their database because this isn't a loan I took out. 

The loan was for a company called XXXX XXXX that provides janitorial supplies. I have never dealt with that company. Someone took that loan under my ID and now it is on my credit report and no one will remove the debt. 
The companies involved are XXXX XXXX and Trud Accord.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate, unauthorized, and potentially fraudulent information currently appearing on my TransUnion consumer credit report. Due to the ongoing and well-documented data breaches affecting consumer reporting agencies and financial institutions, I have reason to believe the following accounts and inquiries are the result of compromised personal data and were not authorized by me. 
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 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 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 non-monetary relief
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
" I am filing this complaint due to a Willful Non-Compliance with the FCRA regarding the accuracy of my credit file. 
I have previously disputed the following accounts : XXXX ( Collection ), XXXX XXXX ( Auto Loan ), and XXXX XXXX ( Collection ). 
XXXX has already completed their investigation into these exact items and DELETED them from my credit report entirely because they were found to be inaccurate and unverifiable. 
Despite XXXX finding that this information is invalid, [ TransUnion / Equifax ] continues to report these derogatory items. This is a violation of the FCRAs requirement for maximum possible accuracy. It is a violation of my rights for XXXX bureau to acknowledge data is false/unverifiable while another bureau insists on maintaining the same false data.

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 2025-12-15 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: AZ

Complaint narrative:
I am filing this complaint because my Experian credit report contains several charged-off accounts and inquiries that I believe are inaccurate, improperly verified, and in violation of my rights under the FCRA. 

The following charged-off accounts are disputed on my Experian report : 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 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 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, Balance {$93.00} ) I am disputing the following hard inquiries, as I did not authorize excessive or duplicative credit pulls on the same date : 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] Date : [ Insert Date ] Via Certified Mail Return Receipt Requested To : [ Collection Agency / Debt Buyer Name ] [ Address ] [ City, XXXX, ZIP Code ] Re : Request for Debt Validation Account Number : [ Account Number as listed on your credit report ] Dear Sir or Madam, This letter is sent in response to your reporting and/or communication regarding the above-referenced account. This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

I dispute this debt in its entirety and request that you provide proper validation, including but not limited to the following : The name and address of the original creditor ; The date the debt was incurred and the date of default ; A complete itemization of the amount claimed, including principal, interest, fees, and any other charges ; A copy of the original contract, agreement, or application bearing my signature ; Proof that you are legally authorized to collect this debt, including a copy of the assignment or bill of sale ; Documentation showing that the statute of limitations has not expired ; Proof that you have the authority to report this account to consumer reporting agencies. 

During the validation process, you are required to cease all collection activities, including reporting or verifying this account with any consumer reporting agency, until such validation is provided. 

If you are unable to provide the requested validation, you must cease collection efforts and request deletion of this account from all consumer reporting agencies to which it has been reported. 

Please note that this request is not a refusal to pay, but a request for verification as permitted by law. Any failure to comply may constitute violations of the FDCPA and FCRA and may result in formal complaints or legal action. 

I expect your response within XXXX  days of receipt of this letter. 

Sincerely, [ Your Full Name ] [ Signature, if mailing ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
On XX/XX/XXXX. So called bank manager got achieve loans XXXX XXXX. Sent money into my checking then advised me to wait awhile then send it back to number he provided to act as a quick loan pay off. To build my credit score enough to get my loan he said he was helping me qualify for he then had me repeat the process the next day. My credit score increased 30 points so I thought I was good but my bank called three hours later and said both checks didnt clear so they used my account and got me for almost XXXX . Im on a fixed income. The bank or XXXX XXXX wouldnt insure my mistake because the scammer was smart enough to have me send through a private person so I lose XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
" I am filing this complaint due to a Willful Non-Compliance with the FCRA regarding the accuracy of my credit file. 
I have previously disputed the following accounts : XXXX ( Collection ), XXXX XXXX ( Auto Loan ), and XXXX XXXX ( Collection ). 
XXXX has already completed their investigation into these exact items and DELETED them from my credit report entirely because they were found to be inaccurate and unverifiable. 
Despite XXXX finding that this information is invalid, [ TransUnion / Equifax ] continues to report these derogatory items. This is a violation of the FCRAs requirement for maximum possible accuracy. It is a violation of my rights for XXXX bureau to acknowledge data is false/unverifiable while another bureau insists on maintaining the same false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove this erroneously reported late payment and update the account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MA

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 2025-12-15 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: Experian Information Solutions Inc.
State: MA

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 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I received a hard credit hit from SYNCB on XX/XX/year>. I have no dealings with this bank.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
I disputed the SELF FINANCIAL INC/ LEAD BANK XXXXXXXX collection account with the XXXX credit bureau. The bureau responded that the account was verified but failed to provide a legally compliant Method of Verification, violating FCRA 611 ( a ) ( 6 ) ( B ), which requires a detailed description of the procedure used to determine accuracy.

I am requesting CFPB intervention because the bureau has not provided : The identity and contact information of the furnisher representative they communicated with The specific records reviewed to verify the account Whether the bureau conducted an independent reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ) Confirmation that the furnisher complied with its duties under FCRA 623 ( b ), including conducting a reasonable investigation and reviewing all relevant information Whether the verification was based solely on an automated e-OSCAR response, which courts have found insufficient when challenged Failure to provide this MOV and failure to conduct a meaningful reinvestigation violates the bureaus responsibilities under FCRA 611 ( a ) and the furnishers duties under 623 ( b ). I am requesting that the CFPB compel the bureau to produce the legally required Method of Verification or remove the SELF FINANCIAL INC/ LEAD BANK account for failure to properly verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am filing this complaint to dispute inaccurate and incomplete information being reported by Equifax on my consumer credit file. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$8100.00} Inquiries in Dispute XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 am filing a complaint regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. I followed the proper dispute process and submitted a formal written request to the credit bureau asking for the removal of incorrect personal information, outdated or inaccurate accounts, and unauthorized hard inquiries. The bureau has not provided verification or proper documentation to validate these items. Some of the information being reported does not belong to me, and no signed authorization has been provided for the hard inquiries. These errors have negatively affected my credit score and overall creditworthiness.

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 2025-12-15 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 am filing a complaint regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. I followed the proper dispute process and submitted a formal written request to the credit bureau asking for the removal of incorrect personal information, outdated or inaccurate accounts, and unauthorized hard inquiries. The bureau has not provided verification or proper documentation to validate these items. Some of the information being reported does not belong to me, and no signed authorization has been provided for the hard inquiries. These errors have negatively affected my credit score and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to dispute an inaccurate delinquency reported on my student loan account. 

In XX/XX/year>, my bank account was frozen/restricted, which directly prevented my ability to make payments, despite my intent and financial willingness to do so. This was not a refusal to pay ; it was a temporary banking restriction that blocked all outgoing transactions. 

During this period : I was unable to initiate or complete payments due to the freeze. 
The servicer was notified of the situation and/or should have been aware that payment was not possible. 
No reasonable opportunity to cure or alternative payment method was provided before negative credit reporting occurred. 

Despite these facts, the servicer reported my account as delinquent, which I believe is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). Reporting a delinquency when a consumer is procedurally prevented from making payment does not accurately reflect the status of the account. 

Additionally, I was not provided with adequate notice or accommodation while the account was impacted by the banking restriction. Once the freeze was lifted, I took steps to resume compliance. 

This inaccurate reporting has caused significant financial harm, including damage to my credit profile and interference with refinancing and lending opportunities.

I am formally requesting : 1. Removal ( or correction ) of the reported delinquency from all credit bureaus 2. Written confirmation that my credit reporting has been corrected 3. A review of the servicers handling of my
account during the banking freeze Thank you for your attention to this matter. I am requesting the CFPBs assistance in ensuring accurate credit reporting and fair treatment. 

Sincerely, 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