vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XX/XX/XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-17 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy and legality of information contained in my Experian credit file under the Fair Credit Reporting Act ( FCRA ), RegulationXX/XX/XXXX and the Gramm-Leach-Bliley Act ( XX/XX/XXXX). 
Account in Dispute XX/XX/XXXXCARD Account # XXXX Reported as negative across bureaus despite inconsistent and incomplete data. 
XX/XX/XXXX, Experian, and XX/XX/XXXX show conflicting details for high balance, past-due amounts, and payment status ( Pays as agreed vs. XX/XX/XXXXDays Late ). 
Under FCRA XXXX ( b ), CRAs must ensure maximum possible accuracy. These inconsistencies demonstrate non-compliance. 
The furnisher ( XXXX Bank ) has failed its obligation under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to correct and update inaccurate data. 
XXXX XXXX ( XX/XX/XXXXXXXX ( a ) ) requires data integrity and reconciliation of Metro-2 fields XXXX ( Account Status ), XXXX ( Date of First Delinquency ), and XXXX ( Current Balance ). 
The tradeline shows reporting in XX/XX/year> with discrepancies between XXXX, Pays as agreed, and Past dueXX/XX/XXXX days, which constitutes false data publication in violation of XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 
Additionally, under XXXX XXXX ( b ) and the FTC Safeguards Rule ( XXXXXX/XX/XXXXXXXX ), the repeated exposure of inaccurate account data to third parties without authorization represents a potential data-security breach and failure to maintain reasonable safeguards.

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 2025-10-17 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: MN

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-10-17 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: MN

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: VA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX 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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the inaccurate late payment notations on my accounts violate 15 USC 1666. I have consistently made timely payments, and these discrepancies are both unfair and unlawful.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Is unwilling to assist in the recovery of funds paid for a product that arrived significantly not as described. There is no clear messaging on their site letting the user know that these particular type of claims must be opened within 30 days, but there are numerous messages asking you to work directly with the seller first. I attempted to do so and have email chain evidence to support that statement. 

The seller is no longer responding, paypal is unwilling to do anything with the claim because of the 30 day window that is not disclosed to the user at any point during the attempt at filing a dispute or prior, and because this is an ach transaction, the bank states that they can not help and that paypal or the seller are needed if I am to recover my funds from this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
After carefully reviewing my credit reports from all three major credit bureaus, I found multiple accounts and inquiries that are being reported inaccurately, incompletely, and without proper validation. Despite previous disputes, these items continue to appear without any supporting evidence, original contracts, or proof of lawful debt ownership. In particular, a small XXXX account is still listed as charged off, even though no documentation has ever been provided to verify its legitimacy or balance. Additionally, several hard inquiries have been reported by companies for which I never applied or authorized a credit check. This includes duplicate inquiries from XXXX XXXX XXXX and an unauthorized triple inquiry from XXXX XXXX XXXX, all of which violate the permissible purpose standards under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these unverifiable and unauthorized items has caused damage to my credit profile and reflects noncompliance with both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-17 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: ND

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses.

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay.

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
In XX/XX/year>, TransUnion reported a collection account that I did not open, authorize, or recognize. I disputed this account, but TransUnion marked it as verified without providing documentation or proof of ownership. 

The same account was reported to XXXX. After my dispute, XXXX  removed the account, indicating it was unverifiable. Despite this, TransUnion continues to report the account as valid. 

I request that TransUnion conduct a proper reinvestigation, delete this account from my credit report, and provide written confirmation of correction. Attached are my full reports from XXXX  ( before and after deletion ) and the TransUnion dispute report showing verification.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to inform you that I was unable to manage my accounts due to being detained, and I was unaware of the status of my files during that period. Unfortunately, my personal information was misused to create fraudulent accounts. It is crucial to ensure that these accounts do not appear on any of my credit reports.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to inform you that I was unable to manage my accounts due to being detained, and I was unaware of the status of my files during that period. Unfortunately, my personal information was misused to create fraudulent accounts. It is crucial to ensure that these accounts do not appear on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 disputing several accounts reporting inaccurately and inconsistently on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and my consumer rights under FCRA 607 ( b ), 611, and 609 ( a ) ( 1 ).

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} Issues include : Inconsistent statuses between bureaus ( Open vs. Closed vs. Not Reporting ). 
Conflicting payment statuses ( Late XXXX  Days vs. XXXX vs. XXXX ). 
Mismatched dates for last payment and last activity. 
Incomplete reporting ( missing from one or more bureaus entirely ).

Lack of original creditor information, violating FCRA 609 ( a ) ( 1 ).

Reporting of inaccurate comments, such as collection account vs. bankruptcy assignment vs. closed. 
These accounts are materially impacting my creditworthiness. I have attempted to dispute these errors with the credit bureaus but have not received a proper resolution. Therefore, I request that the CFPB investigate and compel the furnishers and credit bureaus to : Verify and correct or Delete these accounts from all credit reports if they can not be verified and corrected consistently across all CRAs. 
Please escalate this issue to ensure my rights under the FCRA are upheld.

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 2025-10-17 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 disputing several accounts reporting inaccurately and inconsistently on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and my consumer rights under FCRA 607 ( b ), 611, and 609 ( a ) ( 1 ).

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} Issues include : Inconsistent statuses between bureaus ( Open vs. Closed vs. Not Reporting ). 
Conflicting payment statuses ( Late XXXX  Days vs. XXXX vs. XXXX ). 
Mismatched dates for last payment and last activity. 
Incomplete reporting ( missing from one or more bureaus entirely ).

Lack of original creditor information, violating FCRA 609 ( a ) ( 1 ).

Reporting of inaccurate comments, such as collection account vs. bankruptcy assignment vs. closed. 
These accounts are materially impacting my creditworthiness. I have attempted to dispute these errors with the credit bureaus but have not received a proper resolution. Therefore, I request that the CFPB investigate and compel the furnishers and credit bureaus to : Verify and correct or Delete these accounts from all credit reports if they can not be verified and corrected consistently across all CRAs. 
Please escalate this issue to ensure my rights under the FCRA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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