vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting among the three major credit bureaus. I have identified multiple accounts that are either reporting incorrect balances, dates, or statuses, and I have made prior attempts to have these corrected directly with the credit bureaus and/or furnishers without satisfactory resolution.

I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) to ensure all accounts are reported accurately and verified according to FCRA 609 ( a ) and 611.

The following accounts are inaccurately reported or inconsistent with other bureaus : XXXX ( XXXX ) Showing {$0.00} balance while other bureaus list {$2300.00}. Please verify correct amount. 

XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) Both report identical balances and XXXX be duplicates. 

XXXX  ( XXXX ) Verify accuracy of charge-off balance ( {$13000.00} ). 

XXXX XXXX XXXX ( XXXX ) Verify that the account is being accurately reported as charged off and not open. 

Equifax Inquiries : ( No listed inquiries. ) Please confirm that no recent unauthorized inquiries have been made.

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 2025-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: VA

Complaint narrative:
Professional Account Management had 2 separate representatives confirm that my debt with them was tied to the registration hold that was placed on my vehicle. One call was XX/XX/2025, and the other was XX/XX/2025. I then paid the debt in full, around {$2000.00}, thinking it was going to lift the holds. It did not because those debts were not even tied to the court ordered holds. I was given false information in order for the to collect the debt. I am a single mother who is just trying to get her registration straightened out in order to have a car to make a living. I was then told The XXXX XXXX was the one that placed the hold on my registration from yet another representative from XXXX. When the XXXX XXXX in fact does not place holds at all nor send unpaid toll violations to court, per a XXXX XXXX representative. This company is giving out false information, misleading customers.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I called and received no answer or call back from Glasser and Glasser, P.L.C., XXXX. XXXX XXXX, XXXX, VA XXXX a collection agency that bought my debt from XXXX XXXX XXXX  XXXX in the amount of {$4300.00}. I was successful in using the login with my personal information. Upon checking this account, the amount accrued interest at about a 10 % rate with daily interest of {$1.00}. This leaves the amount on this day, XX/XX/XXXX, at XXXX. After speaking to the representative, I discovered verbally that I was charged court fees, service fees, and interest without my knowledge or any documents showing I owe the amount listed. Glasser and Glasser failed to disclose the judgement as well as the rate of interest for one year. They have all my information which includes my address, my phone number, email address, and other personal information. The agency has also failed to use the correct last name for this case as well. I found out on this day through a court search because my name is misspelled and discovered I was responsible for what was owed : {$4300.00}, Service fees : {$50.00}, and Filing fees : {$34.00}, totaling {$4400.00}. Again, I received no documentation on any of this. Fair Debt Collection Practices Act says that a debt collector is not allowed to use unfair practices in trying to collect a debt. I would also like to add that before this judgement was even made, I had an agreement with Glasser and Glasser, Dismissed with Stimulated Terms through a debt relief program which I cancelled having the help of the program to pay directly and after this I am unsure why I received nothing further from them ( I have documentation of the amounts to pay back in XXXX ). The debt itself is about 7-8 years old now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
I believe experian is reporting inaccurate information on my credit report with ongoing disputes with experian they say the creditor says it needs to remain but when I ask for proof of ownership I get nothing this is for a account on my experian called XXXX this will be the 3rd time disputing with no other information from experian

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 2025-11-04 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: AZ

Complaint narrative:
I am disputing a 30-day late payment reported by XXXX  Retail XXXX XXXX XXXX XXXX RCS ) on account ending XXXX for XX/XX/year>. When I attempted to make my payment on the due date, I experienced a technical difficulty logging into my account and was unable to complete the payment immediately. I have included screenshots documenting this login issue. Once I was able to regain access with XXXX  assistance on XX/XX/year>, I submitted the payment right away ; it was only XXXX days past due. I also enrolled in AutoPay on XX/XX/year> to ensure timely payments going forward. 

I previously submitted XXXX  dispute form with supporting documentation but the late mark remained. As of XX/XX/year>, I have now paid off the account in full ( {$3000.00} ) confirmation # XXXX and have no outstanding balance. 

I respectfully request that XXXX  update the XX/XX/year> reporting to Paid on time / Never late or remove the late notation entirely, as the delay was a one-time incident caused by an unexpected login difficulty that I promptly resolved and took steps to prevent from recurring. 

Attachments : XXXX XXXX Consumer Credit Report Dispute Form ( XX/XX/year> ) Cover Letter with timeline and details Screenshots documenting the login issue AutoPay confirmation email ( XX/XX/year> ) Proof of full payment ( {$3000.00} on XX/XX/year>, confirmation # 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me.

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Dear Equifax, I am writing to dispute the following charged-off account and inquiry that I found on my Equifax credit report. Please review the details provided below : Charged-Off Account Account Name : No account listed Account Number : No account listed Date Opened : No account listed Balance : No account listed This account does not belong to me, or I believe it has been inaccurately reported. It may not match the criteria for reporting as charged-off, and I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

Inquiry Account Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

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 explanation
Consumer complaint received 2025-11-04 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: NY

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I used Affirm to finance a purchase from XXXX XXXX for {$570.00} ( Loan ID : XXXX ). The package was marked as delivered by XXXX on XX/XX/XXXX, but I never received it. 

I immediately contacted XXXX and filed a claim ( # XXXX ). Their investigation confirmed that the package was scanned as delivered but was not actually received at my address. I also submitted my government ID and a signed denial letter to Vestiaire Collective, but they refused to take responsibility or issue a refund. 

I then contacted Affirm and requested that they pause billing and investigate the issue, since I never received the product. Affirm instead sent a Loan Verification Letter confirming the loan status as due and stating that I remain responsible for repayment.

I am disputing the validity of this debt under the Fair Credit Billing Act and Buy Now, Pay Later consumer protection standards. I never received the merchandise for which the loan was issued, and both the merchant and Affirm have failed to resolve the issue.

I am requesting that Affirm : 1. Pause billing and collections on this loan during the investigation.

2. Review the XXXX claim documentation and confirm non-delivery. 
XXXX. Refund or void the loan balance in full if delivery can not be proven. 

Supporting documents attached : XXXX claim resolution letter ( # XXXX ) My denial letter and government ID Affirm Loan Verification Letter ( dated XX/XX/XXXX ) XXXX XXXX  correspondence refusing refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute with Experian, Equifax, and Transunion for XXXX XXXX XXXX XXXX that appear on my credit report. All reporting agencies reported the account as verified. I notified XXXX XXXX XXXX XXXX directly myself after the dispute came back as verified. XXXX XXXX XXXX XXXX launched an investigation on my behalf that it was an unauthorized membership account under my name The fact that the address, date of birth, and social security number did not match what was associated with me shows that these XXXX reporting agencies did not do a thorough investigation. They referred to me as " XXXX ''. I have never served in the XXXX. After the investigation, XXXX XXXX XXXX XXXX deemed it as identity theft and closed all accounts associated with the credit union. I need all information negative information with all these credit bureaus removed. 
Thank you.

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 2025-11-04 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: HI

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : 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 2025-11-04 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: PA

Complaint narrative:
The FCRA guarantees the right to accurate reporting. The accounts attached fail to meet this legal requirement and have caused me undue harm. I am requesting that these items be deleted immediately to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
RE : Request for Assignment Contract and Validation of Debt Account Number : XXXX  To Whom It May Concern, This letter is a formal request for validation and verification of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting that you provide the following documentation to substantiate your claim : Proof of Ownership : Documentation showing that your agency is the current legal owner of the alleged debt or has been properly assigned the right to collect it. This includes a copy of the assignment contract or bill of sale from the original creditor to your agency.

Debt Validation : A complete and itemized statement of the alleged debt, including : The name of the original creditor ; The amount of the debt at the time of charge-off ; All fees, interest, or charges added after charge-off ; and The date and amount of the last payment received.

Verification of Legal Standing : Documentation showing that your agency is licensed to collect debts in my state and is authorized to collect this specific debt.

Until this information is provided, I do not acknowledge or accept responsibility for this alleged debt. Please also note that any further collection activity, including reporting to credit bureaus, must cease until proper validation has been furnished as required by law.

I request that all future correspondence regarding this matter be in writing and mailed to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days of receipt of this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

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 2025-11-04 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: TX

Complaint narrative:
I discovered multiple inaccuracies on my credit reports regarding several XXXX, XXXX, and XXXX XXXX accounts. The information reported to TransUnion, Experian, and Equifax is inconsistent, including conflicting dates opened, dates last active, payment history, past-due amounts, high credit/limits, and charge-off status. Some bureaus report lates or charge-offs that others do not, and one business credit card is being reported as a personal account.

I disputed these items through the credit bureaus and requested verification. The furnishers failed to provide proper documentation or correct the inaccurate information. The accounts continue to report conflicting and unverifiable data in violation of FCRA 607 ( b ) and 611.

I am requesting that these accounts be fully investigated and that any inaccurate or unverifiable
information be deleted. I also request removal of an unauthorized inquiry from XXXX XXXX XXXX, which I did not initiate or authorize.

These reporting errors are negatively affecting my 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 2025-11-04 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: TX

Complaint narrative:
I discovered multiple inaccuracies on my credit reports regarding several XXXX, XXXX, and XXXX XXXX accounts. The information reported to TransUnion, Experian, and Equifax is inconsistent, including conflicting dates opened, dates last active, payment history, past-due amounts, high credit/limits, and charge-off status. Some bureaus report lates or charge-offs that others do not, and one business credit card is being reported as a personal account.

I disputed these items through the credit bureaus and requested verification. The furnishers failed to provide proper documentation or correct the inaccurate information. The accounts continue to report conflicting and unverifiable data in violation of FCRA 607 ( b ) and 611.

I am requesting that these accounts be fully investigated and that any inaccurate or unverifiable
information be deleted. I also request removal of an unauthorized inquiry from XXXX XXXX XXXX, which I did not initiate or authorize.

These reporting errors are negatively affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief