vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * XXXX * Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX * * Balance : {$270.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX * * * * Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Both XXXX XXXX XXXX and The Credit Bureaus are engaged in a pattern of willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), causing direct and ongoing financial harm. The account listed as [ Account Name and Number ] is inaccurate and unverifiable. My direct disputes have been met with a sham " verification '' process that ignores the law. The violations are systematic and clear. 
What are the specific legal violations? 
The following statutes have been violated, creating an indefensible position for both companies : VIOLATION 1 : 15 U.S.C. 1681e ( b ) - Credit Bureaus Failure to Maintain Reasonable Procedures. 
The Credit Bureaus has utterly failed its foundational duty under the FCRA. The reporting of this inaccurate account demonstrates a systemic failure in their procedures. Any reasonable procedure would have flagged this account as erroneous upon receipt or during my dispute. Their continued reporting of this item is prima facie evidence of their negligent and unreasonable operations.

VIOLATION 2 : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - XXXX XXXX XXXX XXXX XXXX XXXX Accurate Information. 
XXXX XXXX XXXX has violated its duty to not furnish information it knows or has reasonable cause to believe is inaccurate. The details of this account are incorrect wrong balance, wrong date of last activity and wrong payment history. By providing this flawed data to the bureaus, XXXX XXXX XXXX poisoned the entire reporting ecosystem and is directly liable for the resulting inaccuracies. 
VIOLATION 3 : 15 U.S.C. 1681i ( a ) - The Credit Bureaus Failure to Conduct a Proper Reinvestigation.

Upon receiving my formal, written dispute, the Credit Bureaus were legally obligated to conduct a reasonable reinvestigation. Instead, they relied on their flawed, automated ACDV system, which merely asks the furnisherthe source of the inaccuracyto " verify '' the information it already provided. This is a circular, self-serving, and legally insufficient process that does not constitute a " reinvestigation '' as defined by the FCRA and interpreted by federal courts. It is a willful abdication of their statutory duty.

VIOLATION 4 : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - The Credit Bureaus Failure to Provide Investigation Description. 
This is a smoking XXXX that proves their bad faith. Following their so-called " reinvestigation, '' I explicitly requested a description of the procedure used to investigate my dispute, as is my absolute right under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). The Credit Bureaus has completely failed to comply. This is not a minor oversight ; it is a deliberate concealment of their non-compliant, automated processes. Their refusal to provide this legally mandated disclosure is, in itself, a clear violation of the FCRA. I have attached a screenshot of the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am submitting to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I have noticed that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. 
Specifically, my previous address should be removed, as it no longer aligns with my current residence. Additionally, my name and employer must be corrected to accurately reflect my current legal name and place of employment. These inaccuracies could cause confusion, lead to potential misrepresentation of my creditworthiness, and negatively impact the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am submitting to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I have noticed that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. 
Specifically, my previous address should be removed, as it no longer aligns with my current residence. Additionally, my name and employer must be corrected to accurately reflect my current legal name and place of employment. These inaccuracies could cause confusion, lead to potential misrepresentation of my creditworthiness, and negatively impact the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-22 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 submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies on my Experian credit report. My report contains incorrect personal information, inaccurate account reporting, and unauthorized inquiries that have negatively affected my credit standing. 
Names listed such as XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are incorrect. Old or unrelated XXXX XXXX XXXX XXXX XXXX, SC and XXXX XXXX XXXX XXXX, GA should also be removed. Under FCRA XXXX ( b ), credit bureaus must assure maximum possible accuracy. 
XXXX XXXX XXXX * {$660.00} ( Late/Closed ) * * XXXX  XXXX * * {$0.00} ( Charge-off ) * * XXXX XXXX XXXX XXXX * * {$3100.00} XXXX Charge-off ) * * XXXX XXXX XXXX XXXX * * {$750.00} ( Charge-off ) * * XXXX XXXX  XXXX * *, XXXX XXXX XXXX * * * *, and XXXX XXXX * * * * Incorrect collection statuses * XXXX These entries appear inaccurate or outdated, violating FCRA XXXX ( a ) and XXXX ( a ) ( XXXX XXXX ( A ), which require that reported data be current and accurate. 
: XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others that I did not authorize. Under FCRA XXXX ( a ) ( XXXX ), reports can only be accessed for permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies on my Experian credit report. My report contains incorrect personal information, inaccurate account reporting, and unauthorized inquiries that have negatively affected my credit standing. 
Names listed such as XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are incorrect. Old or unrelated XXXX XXXX XXXX XXXX XXXX, SC and XXXX XXXX XXXX XXXX, GA should also be removed. Under FCRA XXXX ( b ), credit bureaus must assure maximum possible accuracy. 
XXXX XXXX XXXX * {$660.00} ( Late/Closed ) * * XXXX  XXXX * * {$0.00} ( Charge-off ) * * XXXX XXXX XXXX XXXX * * {$3100.00} XXXX Charge-off ) * * XXXX XXXX XXXX XXXX * * {$750.00} ( Charge-off ) * * XXXX XXXX  XXXX * *, XXXX XXXX XXXX * * * *, and XXXX XXXX * * * * Incorrect collection statuses * XXXX These entries appear inaccurate or outdated, violating FCRA XXXX ( a ) and XXXX ( a ) ( XXXX XXXX ( A ), which require that reported data be current and accurate. 
: XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others that I did not authorize. Under FCRA XXXX ( a ) ( XXXX ), reports can only be accessed for permissible purposes.

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 2025-10-22 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: NV

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent beginning XX/XX/XXXX, and follow-ups including a formal dispute on XX/XX/XXXX, the credit bureaus have failed to remove, correct, or verify the inaccurate and unverifiable information on my credit file. 

The bureaus have ignored their legal obligations to perform a reasonable reinvestigation, provide a valid method of verification, and maintain maximum possible accuracy in my consumer report. The following information remains incorrect or unverifiable : Incorrect personal information : multiple outdated and inaccurate previous addresses and employers ( including addresses at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ; employers such as XXXX XXXX XXXX and XXXX XXXX ) Unauthorized inquiries : by XXXX XXXX XXXX, XXXX of XXXX, XXXX, and others, between XX/XX/XXXX and XX/XX/XXXX, which I did not approve or authorize Unverified and inaccurate charge-off accounts : including XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX Incorrect payment history reporting : including XXXX and XXXX XXXX XXXX  XXXX These actions violate multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy Despite my requests, the credit bureaus have failed to provide : Documentation relied upon to verify the disputed accounts The method and procedures used for verification The names and contact information of the furnishers involved This pattern of neglect and noncompliance demonstrates systemic disregard for federal law and consumer rights. I have made multiple good-faith efforts to resolve these inaccuracies directly with the credit bureaus, yet they continue to report false and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against KIA XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. KIA XXXXXXXX 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 2025-10-22 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: CA

Complaint narrative:
Good day, I have been fighting these accounts since they are wrong and dishonest. I also mentioned an FTC in my last disagreement. This is the last time I will dispute this account. After this, I will be suing your company in the civil court in my state of residency California. Please remove this account and the investigation into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: NC

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.

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 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 2025-10-22 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:
THIS ACCOUNT IS ILLEGITIMATELY REPORTED IN MY FILE

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 2025-10-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am submitting this statement to formally dispute and request a reinvestigation into multiple inaccuracies appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( A ) and XXXX ( XXXX XXXX XXXX ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agencies are obligated to conduct a reasonable investigation to ensure accuracy and fairness in the reporting process. 
The following charge-off accounts are being disputed for inaccurate reporting and failure to reflect the true status of my accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$1300.00} * * XXXX XXXX XXXX XXXX * * Balance : {$610.00} * * Additionally, the following collection accounts appear to have been reported inaccurately or without proper verification of debt ownership and balance accuracy : XXXX XXXX XXXX XXXX * * Balance : {$600.00} * * XXXX XXXX XXXX XXXX * * Balance : {$480.00} * * XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} * * XXXX XXXX XXXX XXXX * * Balance : {$870.00} * * The above items may violate FCRA XXXX ( b ) ( XXXX XXXX XXXX ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. If these debts can not be verified with the original creditor or validated with documentation, they must be deleted or corrected immediately. 
I am also disputing the following inquiries, which I did not authorize or which were obtained without a permissible purpose under FCRA XXXX ( XXXX XXXX. XXXX ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX multiple ) GLOBAL LENDING SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XX/XX/XXXX ADVANTAGE/ADVANTAGE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WEBBANK/AVAN XX/XX/XXXX RESTIGE FIN XX/XX/XXXX FOURSIGHT CA XX/XX/XXXX If these inquiries can not be verified as authorized, they should be removed under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ), which prohibit the inclusion of unauthorized or unverifiable inquiries on a consumer report. 
In accordance with FCRA XXXX ( a ) ( XXXX ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Therefore, I request that each furnisher and XXXX XXXX XXXX conduct a full investigation and provide verification documents or remove the items that can not be substantiated.

Company response to consumer: Closed with non-monetary relief