vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
PLEASE BLOCK THIS FRAUD ACCOUNT THIS MUST BE REMOVED IMMEDIEATLY SO I CAN FINALLY BE FREE OF THIS FRAUD STUFF ON MY NAME. IT DOES NOT HAVE ANY RIGHT TO BE REPORTED TO MY CREDIT BUREAUS. I AM WAITING FOR THIS CHANGE OF BLOCKING THE ACCOUNT TO HAPPEN BECAUSE I HAVE NEVER MADE THIS ACCOUNT AND IT CAN NOT LEGALLY BE REPORTING UNDER MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi Im writing regarding my address telephone number and whole information on my credit report. I was in jail and now Im out and Im not getting verified by any bank nor any institution Heres my address XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) My phone number XXXX ( XXXX ) can you please backdate them and put it on my record please

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 2025-07-18 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: CA

Complaint narrative:
PLEASE BLOCK THIS FRAUD ACCOUNT THIS MUST BE REMOVED IMMEDIEATLY SO I CAN FINALLY BE FREE OF THIS FRAUD STUFF ON MY NAME. IT DOES NOT HAVE ANY RIGHT TO BE REPORTED TO MY CREDIT BUREAUS. I AM WAITING FOR THIS CHANGE OF BLOCKING THE ACCOUNT TO HAPPEN BECAUSE I HAVE NEVER MADE THIS ACCOUNT AND IT CAN NOT LEGALLY BE REPORTING UNDER MY NAME.

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 2025-07-18 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In a letter, sent certified mail, requested the collection agencies provide the name of the original creditor, the full account number, and a complete breakdown of the amount owed, including any interest, fees, and payments made. I also request a copy of the original signed agreement or contract to confirm that you are legally responsible for the debt. Additionally, I asked for documentation showing that the agency is authorized to collect on the debt, such as a copy of the assignment or purchase agreement. When I pulled my credit report, I noticed that my name is incorrect on all three reports as well as addresses have not been valid for years or I have never lived at the address. I have tried calling and emailing each creditor. I am aware that there were some data breaches as well, but I did not check all three credit reports at the times that I received notification of the breach. 

XXXX XXXX XXXX Balance {$850.00} Balance updated XX/XX/XXXX Original balance {$850.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$850.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX XXXX  Balance {$580.00} Balance updated XX/XX/XXXX Original balance {$580.00} Date opened XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$890.00} Date opened XX/XX/XXXXXXXX XXXX Balance {$740.00} Balance updated XX/XX/XXXX Original balance {$580.00} Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$740.00} past due as of XX/XX/XXXX. 
XXXX Balance {$750.00} Balance updated XX/XX/XXXX Original balance {$820.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$910.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$390.00} Balance updated XX/XX/XXXX Original balance {$390.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Original balance {$690.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$690.00} past due as of XX/XX/XXXX. 
XXXX Balance {$600.00} Balance updated XX/XX/XXXX Original balance {$600.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CL Holdings LLC
State: OH

Complaint narrative:
In a letter, sent certified mail, requested the collection agencies provide the name of the original creditor, the full account number, and a complete breakdown of the amount owed, including any interest, fees, and payments made. I also request a copy of the original signed agreement or contract to confirm that you are legally responsible for the debt. Additionally, I asked for documentation showing that the agency is authorized to collect on the debt, such as a copy of the assignment or purchase agreement. When I pulled my credit report, I noticed that my name is incorrect on all three reports as well as addresses have not been valid for years or I have never lived at the address. I have tried calling and emailing each creditor. I am aware that there were some data breaches as well, but I did not check all three credit reports at the times that I received notification of the breach.

JEFFERSON CAPITAL SYST Balance {$850.00} Balance updated XX/XX/XXXX Original balance {$850.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$850.00} past due as of XX/XX/XXXX. 

Status updated XXXX XXXX XXXX Balance {$580.00} Balance updated XX/XX/XXXX Original balance {$580.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$890.00} Date opened XX/XX/XXXX _ Balance {$740.00} Balance updated XX/XX/XXXX Original balance {$580.00} Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$740.00} past due as of XX/XX/XXXX. 
XXXX  Balance {$750.00} Balance updated XX/XX/XXXX Original balance {$820.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$910.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$390.00} Balance updated XX/XX/XXXX Original balance {$390.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Original balance {$690.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$690.00} past due as of XX/XX/XXXX. 
XXXX Balance {$600.00} Balance updated XX/XX/XXXX Original balance {$600.00} Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-18 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IL

Complaint narrative:
Closed chime bank due to noticing activity on my account disputes for overcharges or items not received ( theft ) response from disputes department was no error occured and closed due to safety. I initiated a dispute of an item I purchased that was stolen and didn't fully initiate the dispute process and closed the prepaid account. When I closed chime bank it was communicated I could not reopen a chime account and the dispute was put in anyway when I rescinded on filing a dispute I have the email account had been closed. Chime bank contacted where the purchase was made that they were going to charge back the entire amount the merchant XXXX XXXX called me and demanded {$340.00} because chime was going to put the money back on my account and to reopen the chime bank prepaid account what was said I could not reopen chime account after it was closed changed to reopen the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: AR

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified, and no proper documentation was provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$850.00} XXXXXXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXXXXXX XXXX  Original Creditor : XXXX AVANT WEBBANK XXXX * Balance : {$5100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chapter XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-18 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: AR

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified, and no proper documentation was provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$850.00} XXXXXXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXXXXXX XXXX  Original Creditor : XXXX AVANT WEBBANK XXXX * Balance : {$5100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chapter XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX XXXX  A collection account at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned credit card account opened at XXXX XXXX. 

XXXX account at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned an account opened at XXXX. 

A collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$640.00}. 

And collection account at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an account that contains inaccurate information, which I have documentation to support. Despite this, the account is still being reported on my credit file. Additionally, my current address is listed incorrectly. I previously requested validation of the accounts but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing an account that contains inaccurate information, which I have documentation to support. Despite this, the account is still being reported on my credit file. Additionally, my current address is listed incorrectly. I previously requested validation of the accounts but have not received any response.

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 2025-07-18 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: NJ

Complaint narrative:
I REVIEWED MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE FRADULENTY OPENED IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I REVIEWED MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE FRADULENTY OPENED IN MY NAME.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please remove all the other aliases, addresses, employers, and phone numbers off my report that are not reflected in the letters I have provided, as they are not deliverable to me by the U.S. Post office, and they are not reportable as per FCRA, since they are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please remove all the other aliases, addresses, employers, and phone numbers off my report that are not reflected in the letters I have provided, as they are not deliverable to me by the U.S. Post office, and they are not reportable as per FCRA, since they are inaccurate.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit score with Experian hasn't changed but so much debt has fallen in the course of I know the last 2 years they removed the debt but my score hasn't changed how is that possible

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 2025-07-18 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: CA

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history

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