vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: MT

Complaint narrative:
I am filing this complaint as a consumer to dispute inaccurate and unverifiable information appearing on my Equifax credit report. After reviewing my credit file, I found accounts that are being reported incorrectly and without proper verification, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account in Dispute XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00} This charged-off account is disputed due to accuracy and verification concerns. I am requesting that Equifax conduct a thorough investigation and obtain proper documentation from the furnisher. If Equifax can not verify the accuracy and legality of this account, it must be deleted. 

Late Payment in Dispute XXXX XXXX XXXXXXXX Account Number : XXXX The late payment reporting on this account is inaccurate and disputed. I am requesting Equifax to validate this reporting. If the late payment can not be verified, it must be removed from my credit file. 

Attachments Submitted : Copy of government-issued photo ID Proof of current address Supporting dispute documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 submitting this complaint to dispute inaccurate information on my Experian credit report. I am actively working to ensure my report reflects only accurate and verifiable information. 

Charged-Off Accounts I dispute the following account : XXXX XXXX  Acct XXXX ( XX/XX/XXXX, balance {$2800.00} ) This account may be inaccurately reported. I request Experian verify the account status, balance, and reporting dates, and correct or remove any information that can not be substantiated. 

Credit Inquiries I dispute the following inquiries as unauthorized or inaccurate : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify these inquiries and remove any that can not be confirmed. 

Late Payments I dispute the following late payment : XXXX / XXXX Acct XXXX I request verification of this late payment and removal if it can not be substantiated.

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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm dispute was not favorable each time they fail to cancel loan merchant committed theft and Affirm ruled in there favor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MT

Complaint narrative:
I am submitting this complaint as a consumer disputing inaccurate and unverifiable information on my TransUnion credit report. These reporting errors are causing harm to my credit profile and must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account in Dispute XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00} This account is being reported as charged off, and I dispute its accuracy, completeness, and verification. I am requesting TransUnion to verify this account with the furnisher and provide documentation supporting its reporting. If this account can not be verified, it must be deleted. 

Late Payment in Dispute XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment history reported on this account is disputed. I am requesting a full investigation and validation. If TransUnion can not verify the accuracy of this late payment, it must be removed. 

Attachments Submitted : Copy of government-issued photo ID Proof of current address Supporting documentation

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 2025-12-28 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 formally disputing the following inquiries reporting on my credit file : XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, EXPERIAN XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, This dispute is not an identity theft claim. 
This dispute is based on lack of permissible purpose, governed by the following federal statutes : XXXX. FCRA 604 Permissible Purpose Required XXXX. FCRA 607 ( b ) CRA Must Maintain Reasonable Procedures XXXX. FCRA 611 ( a ) CRA Must Conduct a Proper Reinvestigation XXXX. FCRA 609 ( a ) ( XXXX ) CRA Must Provide Full Consumer File Disclosure Under these sections, I am requesting : XXXX. The specific permissible purpose used to access my credit file XXXX. Documentation showing I initiated the transaction XXXX. Any signed authorization or consent XXXX. All internal records, data, codes, notes, and metadata related to each inquiry, as required under 609 ( a ) ( 1 )

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 2025-12-28 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: FL

Complaint narrative:
On XX/XX/year> I reviewed my credit reports from multiple credit reporting agencies and identified inaccurate, incomplete, and inconsistent information being reported. accounts not belonging to me, incorrect balances, incorrect payment history, duplicate accounts, or outdated information I formally disputed this information with each credit reporting agency through online dispute, and provided all required information to support my dispute. Despite these disputes, the agencies failed to conduct a reasonable investigation/ did not respond within the required timeframe. the inaccurate information continues to be reported, negatively affecting my credit file. I believe the credit reporting agencies failed to conduct a reasonable reinvestigation and failed to ensure maximum possible accuracy of the information being reported.

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 2025-12-28 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 filing this complaint to dispute inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off Accounts I dispute the reporting of the following accounts : XXXX  XXXX Auto Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$1200.00} ) XXXX XXXX Bank Acct XXXX XXXX XX/XX/XXXX, balance {$150.00} ) XXXX  / XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$12000.00} ) Some accounts show XXXX balances but are still reported as charged off. I request TransUnion verify the balances, account status, and reporting dates, and remove or correct any information that can not be substantiated. 

Credit Inquiry Disputes XXXX Exotic A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX I do not recall authorizing these inquiries and request they be verified or removed if authorization can not be confirmed. 

Late Payment Disputes XXXX XXXX Acct XXXX XXXX XXXX Bank Acct XXXX XXXX  Acct XXXX XXXX XXXX  Acct XXXX XXXX  Acct XXXX These late payments are inaccurate or unverifiable. I request they be corrected or removed.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to address the recent communication from the credit bureaus stating that the furnisher has verified the bankruptcy information reported on my credit file. I would like to clarify that I received a letter directly from the courthouse in XXXX regarding this matter. 
The correspondence from the courthouse appears to contradict the information provided by the credit bureaus and the furnisher 's verification. I respectfully request that this discrepancy be reviewed and that the credit bureaus provide further details on how the bankruptcy verification was conducted, including any documentation or evidence supporting their determination. 
Additionally, I ask that the CFPB ensure that the furnisher and credit bureaus are accurately reporting information in compliance with all relevant laws and regulations. If necessary, I am prepared to provide the letter from the courthouse to support my claim and assist in resolving this issue. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my Experian credit report. Experian has a legal obligation to ensure the accuracy and completeness of all information it reports. 

Charged-Off Accounts XXXX XXXX XXXX XXXX  Account No. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$1500.00} XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$820.00} These accounts contain inaccuracies related to balances, reporting status, and verification. I am disputing their accuracy and requesting full investigation and correction or deletion if they can not be verified. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing many of these inquiries. Experian must verify permissible purpose for each inquiry or remove them. 

XXXX XXXX XXXX XXXX / XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX These late payment entries do not accurately reflect my payment history and must be verified or deleted.

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 2025-12-28 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 am disputing inaccurate reporting and inquiries shown on my TransUnion credit report. 

Address Discrepancies : TransUnion lists : XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX VA XXXX Please confirm these addresses and ensure consistency with verified residential history. 

Charged-Off Accounts in Dispute : XXXX  XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$180.00} XXXX # XXXX XX/XX/XXXX {$41.00} I am requesting verification and correction of these items due to inconsistencies in balances and reporting status. 

Hard Inquiries to Review : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please verify these inquiries were authorized under FCRA guidelines. 

Late Payment Reporting : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please review and correct any inaccurate late payment 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-12-28 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:
I am submitting this complaint regarding Equifaxs failure to comply with its mandatory fraud-blocking obligations under the Fair Credit Reporting Act ( FCRA ).

The accounts, inquiries, addresses, and phone numbers listed below were not opened by me, were not authorized by me, and are the result of identity theft. I submitted multiple FTC Identity Theft Reports, which meet the st

atutory definition of an Identity Theft Report under 15 U.S.C. 1681a ( q ). Despite receiving this documentation, Equifax has continued to report fraudulent information on my credit file. Identity theft victims frequently discover fraudulent activity after accounts have existed for some time, and Congress enacted 15 U.S.C. 1681c-2 specifically to prevent consumer reporting agencies from using this type of reasoning to deny mandatory
fraud relief.

Upon receipt of a valid identity theft report, Equifax is required to block the reporting of information resulting from identity theft within four ( 4 ) business days. No statutory exception applies here. 
This complaint is not a request for reinvestigation under 15 U.S.C. 1681i. It concerns Equifaxs failure to comply with mandatory fraud-blocking requirements. 

Fraudulent Accounts : ( from FTC Identity Theft Reports ) XXXX  XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX  Account No. XXXX XXXX Account XXXX. XXXX/ XXXX XXXX  ( XXXX XXXX XXXX, XXXX. ) Account XXXX. XXXX/ XXXX XXXX XXXX XXXX ( XXXX ) Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX/ XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$16000.00} Late Payments : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am formally disputing inaccurate and unverifiable information appearing on my Equifax credit report. The accounts and inquiries listed below are being reported in a manner that does not reflect complete, accurate, or properly validated information. 

Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX, balance {$470.00} XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$39000.00} XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX, balance {$15000.00} XXXXXXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$7700.00} XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$78.00} XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, balance {$530.00} The inclusion of accounts listed as XXXX is particularly concerning, as Equifax is required to clearly identify the furnisher and provide accurate account details. These entries are incomplete, misleading, and unverifiable. 

Unauthorized / Inaccurate Inquiries ( Equifax ) XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off / Public Record BANKRUPTCY Case Number : XXXX Date Reported : XX/XX/year> | Balance : {$0.00} XXXX dispute the reporting of this bankruptcy and request full verification of accuracy, completeness, and compliance with FCRA reporting requirements. 

Inquiries There are no inquiries listed for dispute under TransUnion at this time. 

Late Payments 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 2025-12-28 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: AL

Complaint narrative:
Experian has locked me out of my online account. I can not receive verification codes, can not update my phone number or address, and phone support is inaccessible. This prevents me from correcting my credit file and opening bank accounts.

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 2025-12-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation