vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am a consumer working to fix my credit, and I am filing this complaint against inaccuracies in my credit report that have been reported to Experian. Below are the accounts in dispute : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$89.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$830.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}

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 2025-11-13 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:
TransUnion recently closed my previous dispute, claiming that it did not come directly from me or an authorized representative. This statement is completely false. I personally submitted my dispute myself through the CFPB portal and have not authorized any third party or company to act on my behalf. 

I am the original consumer, and I am now requesting that TransUnion properly reinvestigate and correct the following inaccurate information currently appearing on my credit report : Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Address Inaccurate Account Information : XXXX XXXX XXXXXXXX XXXX High Balance : {$240.00}, Date Opened : XX/XX/XXXX Reported as late payment, which is inaccurate because I have never made any late payments on this account. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$210.00}, Date Opened : XX/XX/XXXX Reported as a collection account, which is inaccurate. I have no knowledge of this account. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$4400.00}, Date Opened : XX/XX/XXXX Reported as a collection account, which is inaccurate. I have no knowledge of this account. 

Improper Hard Inquiries : XXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX XX/XX/XXXX Unauthorized inquiry TransUnions prior closure of my dispute without proper reinvestigation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information.

I am demanding that TransUnion : Reopen my dispute immediately, Conduct a proper reinvestigation of the above items, Remove or correct all inaccurate information, and Provide me with written confirmation of the results within the legally required time frame. 

Summary : This dispute was personally submitted by me, the consumer, through the CFPB portal. No third party is involved. I request the CFPBs assistance to ensure TransUnion complies with federal law and corrects these reporting errors promptly.

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 2025-11-13 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: HI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
PayPal created a credit card for me that I did not authorize. That also created money that I owe them. Now when I try to try to pay my Paypal merchant account, they take the money for a credit card that, I did not authorize and have never used.

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 2025-11-13 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:
I am writing to file a formal dispute regarding the following accounts that I believe contain inaccuracies or issues related to my credit report. The accounts in dispute are separated by credit bureau. 

Inquiries : XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> DEPT OF ED, XX/XX/year>

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 2025-11-13 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: MA

Complaint narrative:
I believe that the following accounts reported on my Equifax credit report are either incomplete, inaccurate, or not reported according to the guidelines of the Fair Credit Reporting Act ( FCRA ). Please investigate and correct these discrepancies. 

Charged Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : ( No inquiries listed for EQ ) Late Payments : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I am disputing the following accounts listed on my Equifax credit report. These accounts are reported inaccurately, and I request a thorough investigation into each. 

Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1200.00} Inquiries : XXXX  Date Opened : XXXX XXXX  Date Opened : XXXX Late Payments : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-11-13 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding TransUnions handling of two fraudulent XXXX XXXX  accounts that resulted from identity theft and my request for a block under FCRA 605B. 

The accounts are : XXXX XXXX Account No. XXXX Approximate balance : {$4100.00} XXXX XXXX XXXX Account No. XXXX Approximate balance : {$8100.00} Both accounts were reportedly opened in my name around XX/XX/year> without my knowledge or authorization. I did not apply for, authorize, or use these accounts in any way. They are not mine and are the direct result of identity theft. 

On XX/XX/year>, I initiated a dispute with TransUnion about these fraudulent accounts. I later submitted a written request asking TransUnion to block and remove these accounts from my credit file under FCRA XXXX. Due to the federal government shutdown at the time I discovered the fraud, I was unable to promptly submit an FTC Identity Theft Affidavit, but I have provided my identifying information and have clearly stated in writing that these accounts are fraudulent and should not be reported. 

I am requesting that the CFPB review TransUnions handling of my identity theft dispute and ensure that : Both XXXX XXXX  accounts ( XXXX XXXX and XXXX XXXX XXXX  ) are permanently blocked/deleted from my TransUnion credit report under FCRA 605B , Any related negative information or inquiries are removed, All collection activity on these fraudulent accounts is stopped, and I receive written confirmation that I have no liability for these accounts and that my TransUnion credit file has been fully 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 2025-11-13 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:
An account that is entirely unfamiliar to me is being reported under my name without my knowledge, authorization, or any association on my part. I have never opened, used, or managed this account, yet it appears on my credit report as if it were mine. This is a serious inaccuracy that misrepresents my financial record and raises deep concern, as I take the accuracy of my credit profile very seriously.

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 2025-11-13 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DE

Complaint narrative:
I am filing this formal complaint against XXXXXXXX XXXX XXXXXXXX ( Account No. XXXX ) * * for reporting inaccurate and misleading information on my credit report. 

Wrong Address Reporting : My credit report is showing an address listed as XXXX XXXX XXXX XXXXXXXX XXXXXXXX PA XXXX, which is not my address and has never been associated with me. I have no connection or residency history at that location. Reporting an incorrect address on my credit file is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 604 and 607 ( b ), which require that consumer reporting agencies maintain accurate and up-to-date information. 

False Late Payment Reporting : The account reported by XXXXXXXX XXXX XXXXXXXX ( Account No. XXXX ) shows a late payment history. This information is completely inaccurate. I have never made a late payment on this account, and such reporting is damaging my credit reputation and score. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report any information they know or have reasonable cause to believe is inaccurate. The continued reporting of this false late payment is a clear violation of that statute. 

Requested Resolution : I am requesting that : The wrong address ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) be immediately removed from my credit file. 

XXXX XXXX XXXXXXXX conduct a full investigation and correct the false late payment history. 

All credit bureaus ( Equifax, XXXX XXXX XXXX ) be notified of the corrections and updates. 

I have attached supporting documents, including a copy of my ID and proof of my current address, to verify my identity and demonstrate that the reported address and late payment are incorrect. 

Please investigate this matter promptly and ensure compliance with all relevant provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Thank you for your attention to this serious matter. I expect a written response confirming receipt and details of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-13 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I had a hospital XXXX XXXX bill of a little over {$3000.00}. This was thankfully settled by the hospital in full by a charity. I was never notified about an alleged separate bill that would be issued to pay the 'doctor ' who is allegedly not a direct hospital employee. I was not made aware by anyone that I would have to pay any amount outside of what the charity covered. Apparently XXXX, had an outstanding bill for a service for the doctor who is allegedly not covered by the original hospital bill, but I never received notice or any copy of a bill in any way. I found a collection notification on my credit account for this amount so I called Wakefield and Associates to figure out what was going on. They spoke on behalf of their client, XXXX XXXX to say I am now in collection for an unpaid bill. They have no record from the client, XXXX, stating that they had attempted notify me of this bill before I was sent into collections in XX/XX/year>. I should not be in collections and my credit should be restored. My bill should be resolved due to failure to notify and 100 % of my hospital bill being covered by charity.

Company response to consumer: Closed with non-monetary relief