vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
XXXX XXXX  has reported derogatory information on my consumer credit report, specifically late payment notations. These reports are inaccurate and do not belong to me as the private consumer. 

My credit file has been wrongfully merged with ALL CAPS business accounts and with a birth certificate variation styled as XXXX XXXX, which is a distinct legal entity. As a result, XXXX XXXX  accountsalong with other ALL CAPS accountsare being misapplied under my private consumer file. 

In addition to XXXX XXXX  erroneous derogatory reporting, my reports also show : A XXXX XXXX XXXX marked dismissed, which does not apply to me. 

Collections ( e.g., XXXX, XXXX XXXX ) and inquiries ( e.g., XXXX ) that were not authorized by me.

This constitutes inaccurate and defamatory reporting that violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( accuracy requirements ) and 1681i ( duty to reinvestigate ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) ( false publication of credit information ).

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 2025-09-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-19 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: RI

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. XXXX committed to addressing my past due balances and improving my financial habits.

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 2025-09-19 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: RI

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. XXXX committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent credit card account that was opened in my name in XX/XX/year> with Avant/XXXX. 

I did not apply for or authorize this account. 

I believe this incident is connected to the XXXXXXXX XXXX XXXX  data breach that exposed my personal information. 

I request the following actions : Immediate closure of the fraudulent account.

Removal of any charges or balances associated with this account.

Written confirmation that I am not responsible for this debt.

Correct reporting to all credit bureaus that this account resulted from identity theft.

Enclosed are copies of my FTC Identity Theft Report and government-issued identification for verification.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : 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 2025-09-19 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: PA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise.

Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-09-19 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 recently review a copy of my credit report and notice I have fraudulent account on my report. Please remove this fraudulent account from my report, it is hurting my ability to obtain credit

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 2025-09-19 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I have fraudulent account on my report. Please remove this fraudulent account from my report, it is hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccura
te.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I am disputing multiple inaccurate accounts being reported by XXXX. I have previously filed disputes directly with XXXX  and provided evidence, but XXXX  verified these accounts without addressing the inaccuracies. This is a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( accuracy ) and 611 ( reasonable investigation ). 

Accounts and Issues : XXXX. XXXX XXXX XXXX. Original balance was {$170.00}, but XXXX  reports {$200.00} charged off/past due. Reporting is inflated and contradictory because an account can not be reported as both charged off and past due. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reports Terms : XXXX XXXX which is false because XXXX is a debt buyer, not a lender. It also shows 0 % paid off while reporting {$290.00} past due, which is contradictory and misleading. 
XXXX. Veros Credit XXXX  shows the account as XXXX XXXX  ( {$4500.00} XXXX XXXX ) while also listing {$1100.00} past due, which is double reporting. Dates are also inconsistent ( XXXX XXXX XXXX XXXXXX/XX/XXXX but last payment listed as XX/XX/2022 ). 
XXXX. XXXX XXXX XXXX XXXX  reports a balance of {$6300.00}, but XXXX official account portal shows {$5700.00}. XXXX  is overstating my balance by nearly {$600.00}. 
XXXX. XXXX XXXX. Original balance was {$220.00}, current balance is {$210.00}, and past due amount is {$78.00}. These numbers are mathematically inconsistent. The account is also reported as open while delinquent, with no recent payment history shown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
According to U.S.C 1692 LVNV would not validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and derogatory accounts being reported on my credit file. These accounts contain inconsistent, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). These accounts are harming my credit and were not properly verified under FCRA 611. The credit bureaus and furnishers have a legal duty to maintain accurate, complete, and verifiable information. Failure to provide proper documentation or proof of these debts constitutes a violation of both FCRA and 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 explanation
Consumer complaint received 2025-09-19 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 am writing to dispute inaccurate information on my credit report. Upon reviewing a recent copy of my report, I discovered fraudulent accounts that do not belong to me. these accounts are negatively impacting my credit and my ability to obtain credit. I request that you promptly investigate and remove these fraudulent accounts from my credit report in accordance with the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
every single time I make a payment towards my credit card they charge interest fee after paying it. Every single time once stated the interest fee should be included in the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX  - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am disputing multiple inaccurate accounts being reported by XXXX. I have previously filed disputes directly with XXXX  and provided evidence, but XXXX  verified these accounts without addressing the inaccuracies. This is a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( accuracy ) and 611 ( reasonable investigation ). 

Accounts and Issues : XXXX. XXXX XXXX XXXX. Original balance was {$170.00}, but XXXX  reports {$200.00} charged off/past due. Reporting is inflated and contradictory because an account can not be reported as both charged off and past due. 
XXXX. National Credit Adjusters ( XXXX  ) XXXX  reports Terms : XXXX XXXX which is false because NCA is a debt buyer, not a lender. It also shows 0 % paid off while reporting {$290.00} past due, which is contradictory and misleading. 
XXXX. XXXX XXXX XXXX  shows the account as charged off ( {$4500.00} written off ) while also listing {$1100.00} past due, which is double reporting. Dates are also inconsistent ( charge-off in XX/XX/year> but last payment listed as XX/XX/year> ). 
XXXX. XXXX XXXX XXXX XXXX  reports a balance of {$6300.00}, but XXXX official account portal shows {$5700.00}. XXXX  is overstating my balance by nearly {$600.00}. 
XXXX. XXXX XXXX. Original balance was {$220.00}, current balance is {$210.00}, and past due amount is {$78.00}. These numbers are mathematically inconsistent. The account is also reported as open while delinquent, with no recent payment history shown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: KS

Complaint narrative:
I am filing this complaint because all three nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate, incomplete, and unauthorized credit information and multiple hard inquiries in my credit file.

I have no such accounts or authorized inquiries from XXXX XXXX  ( or any of its variations ) or XXXX, yet each bureau lists these items. I disputed these entries directly with each bureau and provided notice that they are inaccurate. Despite this, they remain on my credit reports, damaging my creditworthiness. 

Equifax ( XXXX XXXX XXXX XXXXXXXX GA XXXX ) : Lists XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX plus multiple inquiries between XX/XX/XXXX and XX/XX/XXXX ( full dates attached ). 

Experian ( XXXX XXXX XXXX XXXXXXXX TX XXXX ) : Lists XXXX XXXX  - XXXXXXXX XXXX XXXX  plus numerous inquiries from XX/XX/XXXX through XX/XX/XXXX. 

TransUnion ( XXXX XXXX XXXXXXXX, XXXX PA XXXX ) : Lists XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX and XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX with dozens of unauthorized inquiries between XX/XX/XXXX and XX/XX/XXXX. 

These entries are completely inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy, to reinvestigate disputes promptly, and to delete or correct unverifiable information.

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