vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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 submitting this response to document ongoing violations of the Fair Credit Reporting Act ( FCRA ) by Experian and/or XXXX regarding identity-theft-related information and inaccurate personal identifiers on my credit file. XXXX has already complied with my dispute requests and has deleted or ceased reporting multiple disputed items, including fraudulent tradelines and inquiries. This confirms the information is inaccurate and should not continue to be reported by any other consumer reporting agency.

Despite being on notice through prior disputes and this CFPB complaint, Experian and/or XXXX continue reporting the same disputed items and have failed to properly block identity-theft-related accounts as required under 15 U.S.C. 1681c-2 ( FCRA 605B ). I am providing/has provided a valid Identity Theft Report ( FTC IdentityTheft.gov ) and the required identity verification documents. Once received, the consumer reporting agency is legally required to block the identity-theft-related information within four business days. Active dispute status or reliance on furnisher verification is not an acceptable substitute for compliance with 605B.

The disputed items include, but are not limited to : Department of Education / XXXX all XXXX accounts ( identity theft ) XXXX XXXX XXXX XXXXXXXX account XXXX ( inconsistent reporting ; removed by XXXX ) XXXXXXXX XXXX XXXX account XXXX ( inaccurate XX/XX/year> late payment ) XXXX XXXX account XXXX ( unauthorized ) Multiple unauthorized inquiries ( no permissible purpose under FCRA 604 ( a ) ( 3 ) ) Incorrect names and addresses that do not belong to me and indicate file mixing

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 2025-12-23 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: GA

Complaint narrative:
On or about XX/XX/year>, I submitted a written dispute to Equifax Information Services LLC pursuant to FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate information furnished by XXXX XXXX XXXX XXXX. 
The disputed information includes : A XXXX XXXX XXXX XXXX credit card account with XXXX late payments inaccurately reported for XX/XX/year> and XX/XX/year>, and an incorrect balance reported as {$320.00} instead of the correct balance of {$260.00}. 
A XXXX XXXX XXXX XXXX XXXX loan account with XXXX late payment inaccurately reported for XX/XX/year>. 
Despite receipt of my dispute and supporting documentation, Equifax failed to conduct a reasonable reinvestigation and failed to correct or delete the inaccurate information within the time required by law. 
The inaccurate late payments and incorrect balance continue to be reported in my Equifax credit file. 
Equifaxs conduct violates FCRA 611 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ). The continued reporting also reflects furnisher noncompliance under FCRA 623 ( 15 U.S.C. 1681s-2 ) after notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I reviewed my credit report and discovered multiple accounts that I did not open or authorize. These accounts are damaging my credit profile while I am in the process of making major financial decisions. I am requesting immediate deletion of all accounts identified as identity theft under FCRA Section 605 ( b ) and 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I reviewed my credit report and discovered multiple accounts that I did not open or authorize. These accounts are damaging my credit profile while I am in the process of making major financial decisions. I am requesting immediate deletion of all accounts identified as identity theft under FCRA Section 605 ( b ) and 15 U.S.C. 1681c-2

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 2025-12-23 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: VA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

You are hereby notified that I refuse to pay the alleged debt referenced by your company and demand that you cease all communication with me immediately regarding this matter. This includes, but is not limited to, telephone calls, written correspondence, electronic communications, and third-party reporting. 

Despite this notice, you are currently reporting this alleged debt to XXXX or more consumer reporting agencies. Continued reporting of this account while communication is prohibited constitutes continued collection activity and is inconsistent with the intent and protections of 15 U.S.C. 1692c ( c ). 

You are not permitted to continue collection efforts except to notify me of specific legal remedies you intend to pursue, if any. Reporting or verifying this account with credit reporting agencies after receipt of this notice is considered coercive and punitive in nature and may expose your company to liability under 15 U.S.C. 1692k. 
Accordingly, you are hereby demanded to : Immediately cease all collection activity and communication, and Remove and delete this collection account from all consumer reporting agencies to which it has been furnished. 

Failure to comply with this demand will result in the pursuit of all remedies available to me under federal law, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as seeking civil damages as allowed under 15 U.S.C. 1692k. 
This notice is sent without acknowledgment of liability and with full reservation of all rights. 
Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
As a result, accounts, loans, inquiries, and collection activity have appeared on my credit report that I did not open, authorize, sign for, or benefit from. 
This dispute is supported by a law enforcement identity theft report filed with the XXXX XXXX XXXX XXXX, Case Number XXXX, for Fraud ( Identity ). I have also filed an Identity Theft Report with the Federal Trade Commission. 
Pursuant to 15 U.S.C. 1681c-2, you are required to block the reporting of any information resulting from identity theft within four ( 4 ) business days of receipt of this statement and supporting documentation. This information may not be reinvestigated, verified, or reinserted unless you strictly comply with the statutory requirements of the FCRA.

Any continued reporting, verification, or reinsertion of fraudulent information after receipt of this notice constitutes willful noncompliance with the Fair Credit Reporting Act.

I am requesting written confirmation that all fraudulent information has been blocked, deleted, and permanently removed from my consumer credit file.I have requested official high school records from the XXXX XXXX XXXX XXXX XXXX to verify my educational history, as federal student aid eligibility requires high school completion or equivalent. These records are being obtained to address discrepancies between my actual education history and the fraudulent enrollment reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit reports from TransUnion, Experian, and Equifax. On my TransUnion report, XXXX ( account number XXXX ) is reported as late and closed with a XXXX balance, and XXXX XXXX XXXX account number XXXX ) is reported as a charge-off with a balance of {$7200.00}. On my Experian report, XXXX ( account number XXXX ) is reported as closed and late with a XXXX balance, and on my Equifax report XXXX XXXX XXXX XXXX account number XXXX ) is listed as a charge-off with a {$7200.00} balance. I have never opened, authorized, or had any relationship with any of these accounts, and upon reviewing my personal financial records, I found no evidence of ever using these accounts. The reporting of these accounts is inaccurate and misleading, misrepresents my credit history, and has caused confusion, stress, and potential harm to my creditworthiness. I am concerned that the incorrect reporting could affect my ability to obtain credit, housing, or other financial services, as the accounts falsely suggest delinquencies or charge-offs that do not reflect my financial history. I have attempted to resolve this directly with each credit bureau and requested verification and removal of these accounts, but the inaccurate information continues to appear on 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 2025-12-23 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit reports from TransUnion, Experian, and Equifax. On my TransUnion report, XXXX ( account number XXXX ) is reported as late and closed with a XXXX balance, and XXXX XXXX XXXX account number XXXX ) is reported as a charge-off with a balance of {$7200.00}. On my Experian report, XXXX ( account number XXXX ) is reported as closed and late with a XXXX balance, and on my Equifax report XXXX XXXX XXXX XXXX account number XXXX ) is listed as a charge-off with a {$7200.00} balance. I have never opened, authorized, or had any relationship with any of these accounts, and upon reviewing my personal financial records, I found no evidence of ever using these accounts. The reporting of these accounts is inaccurate and misleading, misrepresents my credit history, and has caused confusion, stress, and potential harm to my creditworthiness. I am concerned that the incorrect reporting could affect my ability to obtain credit, housing, or other financial services, as the accounts falsely suggest delinquencies or charge-offs that do not reflect my financial history. I have attempted to resolve this directly with each credit bureau and requested verification and removal of these accounts, but the inaccurate information continues to appear on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX 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 2025-12-23 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: FL

Complaint narrative:
I was enrolled in automatic payments ( autopay ) for my loan and had sufficient funds available in my bank account at all times. As shown in the attached screenshots, multiple automatic payments were scheduled and processed previously without issues. 

On or around XX/XX/XXXX, the lenders platform removed my autopay enrollment without my authorization or prior notice. As a result, the scheduled payments were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. 

Despite this, the payment history shows that automatic payments continued to appear as scheduled, including payments of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment. 

I did not refuse to pay and did not intentionally miss any payments. The missed payments and subsequent delinquency reporting occurred solely due to the lenders internal system or platform issue related to autopay removal. 

The lender then reported three delinquency marks to the credit bureaus, which do not accurately reflect my payment behavior and have negatively impacted my credit. I am attaching screenshots of my loan history and payment records to support this complaint.

I am requesting that this issue be investigated and that the inaccurate delinquency and charge-off reporting be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield , Inc. is reporting a rental collection account in the amount of {$5800.00} on my consumer credit report. The amount being reported is inaccurate and has not been properly verified. 
The company has not provided a signed lease agreement, an itemized statement of move-out charges, or documentation establishing the legal basis for the amount claimed or their authority to collect this debt. Despite the lack of verification, XXXX XXXX continues to furnish this amount to the credit bureaus as accurate. 
I dispute the accuracy of the amount being reported and am requesting that XXXX XXXX either provide full documentation validating the debt or remove the account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already submitted my identity documents multiple times in response to Equifaxs request to verify my identity following my FCRA 605B identity theft block.

Equifax has continued to request the same documents without processing my request or confirming compliance with 605B.

Any failure to process my request after receipt constitutes noncompliance with FCRA 605B.

This submission is for record and enforcement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian opened and completed a dispute without my authorization and failed to conduct a reasonable reinvestigation. XXXX certified inaccurate and incomplete information despite my account being paid to {$0.00}. Both parties are violating the Fair Credit Reporting Act. I am demanding correction or deletion and regulatory enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing multiple hard credit inquiries that appear on my credit report and that I did not authorize. 

I did not apply for credit, submit an application, or provide written or electronic consent to the following companies to access my credit report : XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX These inquiries were made without my permission and have negatively impacted my credit score. I have reviewed my records and confirm that I did not enter into any agreement or credit application with these companies. 

I am requesting that these unauthorized inquiries be investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
Although the account was paid in full, it continues to be reported with late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
On or about XX/XX/year>, I submitted a written dispute to Experian Information Solutions , Inc. pursuant to FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate information furnished by XXXX XXXX XXXX XXXX. 
The disputed information includes : A XXXX XXXX XXXX XXXX credit card account with XXXX late payments inaccurately reported for XX/XX/year> and XX/XX/year>, and an incorrect balance reported as {$320.00} instead of the correct balance of {$260.00}. 
A XXXX XXXX XXXX XXXX XXXX loan account with XXXX late payment inaccurately reported for XX/XX/year>. 
Despite receiving my dispute and supporting documentation, Experian failed to conduct a reasonable reinvestigation and failed to correct or delete the inaccurate information. The inaccurate late payments and incorrect balance remain reported in my Experian credit file beyond the statutory investigation period.

Experians conduct violates FCRA 611 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ). The continued reporting also reflects furnisher noncompliance under FCRA 623 ( 15 U.S.C. 1681s-2 ) after notice of dispute.

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