vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: NE

Complaint narrative:
I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding the following accounts that are currently being disputed. Please find the details of the accounts in dispute for each of the credit bureaus below : Charged-Off Accounts : XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$510.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$150.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-21 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the following charged-off account with TransUnion. The information provided is inaccurate, and I request it be corrected. 

CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$270000.00} LATE PAYMENT XXXX XXXX XXXX Account Number : 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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase will not give me my money back that was fraudulently taken from my account. This company closed the case without even asking if it was good to go. It is not. I am at the point of a law suit because this company did nothing to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX my now ex XXXX XXXX XXXX XXXX XXXX transferred me his paycheck in the amount of XXXX, witnessed by our mutual friend XXXX because his bank account had been frozen due to fraudulent activity. I gave him the funds per our agreement also witnessed by our friend XXXX. After our break up he filed a fraudulent dispute with XXXX. XXXX  granted his request without investigation. I appealed the decision 4 times and provided supporting documentation. Each time it was closed in my exes favor without investigation or follow up with me. I requested evidence in support of their decision and was denied. I paid my ex the XXXX and then it was then again deducted from my XXXX. I lost funds in the account and currently owe XXXX remaining. That weekend my ex took the money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ive filed a police report against my ex for the fraudulent dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NE

Complaint narrative:
I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding the following accounts that are currently being disputed. Please find the details of the accounts in dispute for each of the credit bureaus below : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$510.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$150.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : CAPITAL XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-21 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
XXXX XXXX  is reporting late payments on my credit report that are inaccurate and unverified. I contacted XXXX and the credit bureaus requesting validation of these late payments. 



XXXX has not provided : A signed original agreement A complete payment history Any original documentation proving that these late payments actually occurred Because XXXX can not verify the late payments with proper documentation, the information should not be on my credit report. Reporting unverifiable information violates the Fair Credit Reporting Act, including : FCRA 602 information must be accurate FCRA 609 ( a ) right to obtain original documentation FCRA 611 unverifiable information must be deleted FCRA 623 furnishers must correct inaccurate information Additionally, XXXX disclosed my nonpublic personal financial information to the credit bureaus without providing me with proper notice or an opportunity to opt out, which violates 15 U.S.C. 6802 ( b ) ( XXXX XXXX ). This makes the reporting of the alleged late payments unlawful. 



I am requesting that the CFPB require XXXX to : Provide original documentation validating the late payments OR Delete all late payments from my credit file immediately 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 2025-11-21 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: NY

Complaint narrative:
Please provide validating documents. The date of last activity is reporting differently among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
Dear Experian, I am contacting you to dispute certain entries on my credit report that I believe are inaccurate or incomplete. Kindly review the following accounts and take corrective actions where necessary : Charged Off Accounts : XXXX Account # XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, Balance : {$9400.00} XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX, Balance : {$950.00} Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXXXXXX XXXX XXXX Account # 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 2025-11-21 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-11-21 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: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date assigned : XX/XX/XXXX XXXX XXXX XXXX- Date assigned : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX- Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX- Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: NE

Complaint narrative:
Company : XXXXXXXX XXXX / Opportunity Financial ( OppLoans ) Account : {$3100.00} personal loan Bankruptcy Case : XXXX ( XXXX XXXX, filed XX/XX/year> ) Summary of the Issue : XXXX XXXX is reporting negative information to XXXX XXXX XXXX after my XXXX XXXX bankruptcy discharge. This is a direct violation of the federal discharge injunction under 11 U.S.C. 524 ( a ) ( 2 ). 

The account was fully included in my bankruptcy schedules, and XXXX did not appear at the creditor meeting. The debt was discharged. The creditor has now reported derogatory information after the discharge, causing my credit score to drop XXXX points, and again another XXXX points, totaling nearly XXXX points of verified credit damage. 

Timeline of Violations : XX/XX/year> : XXXX XXXX bankruptcy filed ( Case XXXX ). 
XX/XX/year> : XXXX received official bankruptcy notice. 
XX/XX/year> : Bankruptcy discharge entered. 
XX/XX/year> : XXXX reported a derogatory tradeline anyway. 
First Notice Sent : Creditor was warned in writing. 
Second Notice Sent : Creditor was warned again after failure to fix. 
Third Notice ( Action Notice ) Sent : Creditor was given 24 hours to correct the reporting and cease violations. 
XXXX XXXX XXXX  Disputes Filed : Experian has verified the negative reporting even though the account is discharged. 
Credit Score Impact : A combined drop of nearly XXXX points within 48 hours. 

Damage/Injury : XXXX illegal reporting has caused : Immediate and measurable credit score reduction Harm to my ability to obtain housing, credit, or employment Emotional distress due to repeated violations Time, cost, and effort caused by needing to send three notices Ongoing reporting damage that continues daily Legal Basis : XXXX is violating the bankruptcy discharge injunction, which prohibits any act to collect, enforce, or recover a discharged debt. Post-discharge credit reporting is considered an unlawful attempt to coerce payment. 

Requested CFPB Action : I am requesting that the CFPB require XXXX to : 1. Immediately delete the negative tradeline from all credit bureaus. 
2. Correct all reporting through XXXX XXXX XXXX. 
3. Provide written confirmation of compliance. 
4. Compensate me for damages caused by illegal post-discharge reporting. 
5. Provide a full explanation of why they continued to report after receiving bankruptcy notice. 

XXXX has ignored multiple notices. 
They are fully aware of the bankruptcy. 
This is a willful discharge violation and has caused verifiable financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company 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 2025-11-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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