vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
RE : IDENTITY THEFT Block Request To Whom It May Concern, I am writing to dispute accounts listed on my credit report that I believe to be fraudulent and the result of identity theft. In accordance with FCRA 605 ( B ), I request that these accounts be blocked and removed from my credit report within four days. The following accounts are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX According to the FCRA, I am entitled to request the blocking of these accounts, and I expect your prompt attention to this matter. Please investigate these fraudulent accounts and take action to block them as required by law. I also request written confirmation of the actions taken regarding this dispute within 7 days.

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 2025-12-29 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: NC

Complaint narrative:
I am writing to dispute inaccuracies in my credit reports across the three major credit bureaus. Please investigate the following items that I believe are incorrect, incomplete, or outdated. 

Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX. Just because I am making payments to XXXX XXXX and Accounting DOES NOT mean it was debt that I took on! 

XXXX. This account was NEVER sent to a collection agency or charged off! 


XXXX. This was an over payment of salary, a mistake on the part of the XXXX when I departed XXXX XXXX, and I was offered a payment plan to pay it back over time which I have. 

XXXX. How can this show as paid on time and a collection/charge off at the same time? I have never been late! 


XXXX. Just because I was overpaid does not mean this account was sent to a collection agency and it certainly was not charged off! Both ratings are inaccurate and false! XXXX XXXX XXXX XXXX IS WHO PAYS XXXX! NOT A COLLECTION AGENCY!

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 2025-12-29 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

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 XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX 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. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 filing this complaint as a consumer attempting to correct inaccurate and inconsistent information reported by Equifax. The following issues are being disputed : XXXX. Incorrect Previous Address My Equifax report lists : XXXX XXXX XXXX, XXXX XXXX, FL XXXX My correct address history should reflect XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
Please update and remove any incorrect or outdated addresses not associated with me. 

XXXX. Charged-Off Accounts Reported Inaccurately XXXX XXXX XXXX XXXX Acct # XXXX, Date XX/XX/XXXX, Balance {$680.00} XXXX, Acct # XXXX, Date XX/XX/XXXX, Balance {$440.00} These accounts are being disputed for accuracy in ownership, balance, and/or status. Please conduct a proper investigation and provide documentation verifying that these accounts belong to me and are reported correctly. 

XXXX. Inquiries Not Authorized XXXX, Date XX/XX/XXXX XXXX, Date XX/XX/XXXX I do not recall authorizing these credit inquiries. Please remove them unless you can provide documented proof of my consent. 

4. Name Information My report may contain incomplete or outdated name information. Please ensure only my correct and current name is listed. 

Request : Please investigate each disputed item and provide written verification of your findings. If the information can not be verified, please remove it from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: OK

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
I am submitting this complaint as a consumer regarding inaccurate and misleading information on my TransUnion credit report. I am trying to improve my credit, and the following items are preventing my report from being fair and accurate. 

Charged-Off Accounts The following accounts are reported as charged off and are disputed : XXXX XXXX XXXX  Account # XXXX ( Reported XX/XX/XXXX, Balance {$11000.00} ) XXXX XXXX Account # XXXX ( Reported XX/XX/XXXX, Balance {$600.00} ) XXXX Account XXXX XXXX ( Reported XX/XX/XXXX, Balance {$680.00} ) These accounts are either outdated, inaccurately reported, or have not been properly verified. I am requesting TransUnion confirm the accuracy of these accounts or remove them if verification can not be completed. 

Late Payment Reporting XXXX  Account # XXXX XXXX  Account # XXXX The late payments reported on these accounts are disputed and do not accurately reflect my payment history. 

I respectfully request that TransUnion reinvestigate these items and delete or correct any information that can not be verified as accurate.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> I filed a dispute with Discover for a transaction at a restaurant for a defective/quality issue regarding something I purchased. A few days later I received a letter stating that they were not proceeding with the dispute and closed the dispute. This bank didn't even bother to investigate the dispute or send the dispute to the merchant to even try and resolve the issue that happened. After reading other complaints online I see Discover is notorious for denying disputes and having other customers go through the same issues. This bank needs to be investigated for shady business practices and for denying cardholders their XXXX given right to dispute transactions and to dispute them to full investigation and to completion, not pick and choose when it feels like it wants to investigate a dispute or not. This bank is by far the worst bank I have ever had the displeasure in having to file a dispute with and after the amount of similar complaints online of other customers having the same issues it seems to be a pattern with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items that are affecting my credit report. Please find the details of the accounts in dispute, separated by bureau : INQUIRIES XXXX XXXX, XX/XX/year> XXXX, XX/XX/year>

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 2025-12-29 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: GA

Complaint narrative:
I am writing to dispute inaccurate information in my credit report dated XX/XX/XXXX. The following accounts contain discrepancies, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Account : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX This account shows incorrect late payment details. I request that you review and update this account to reflect the accurate payment history or remove it if necessary. 
XXXX. Account : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/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 non-monetary relief
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I had to get a new number and I guess this debt collector has been trying to locate me. They have been calling my parents house constantly. My parents said I didnt live there. They had called my childrens cell phone. They called my dads cell phone this morning and even offered him money to give them my info. My XXXXXXXX XXXX XXXX XXXX heard it. They called me and told me about it. I called the number and they denied everything and said they only called them once and that my father and son were lying. I told them I was going to report them for harassment and they laughed at me and said good luck with that you wont get anywhere. Then said well you shouldve answered the phone. I said how am I supposed to answer the phone when I dont live there!!! They have literally called everyone of my kids on their cellphone several times and parents even after they all have said its not my number and even said at XXXX point to stop calling that they dont know who I am. I never once gave them any of that information. This is NOT OK!!!!!! Its a collection agency working for net credit. I got an installment loan from them. I dont have the money to repay them right now. But what they are doing is WRONG!!!! Then I got off the phone with them and my daughter called me and said they just called her. She is practicing law and shes the one that told me I needed to report them because what theyre doing is illegal. I dont remember what he said the name of the collection agency. But this is the number they keep calling from and the number I called back. XXXX caller id says its XXXX XXXX they said the name of the company is A something and its a debt collector and their client is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NV

Complaint narrative:
On or around XX/XX/year>, I noticed 17 charges on my Money Lion checking account. These charges were not made by me, authorized by me, nor did I benefit in anyway from these charges. I disputed the charges yet Money Lion claims that no error occurred and denied my claim. I appealed the decision because there were 3 charges that had another man 's name as the recipient. My name is XXXX XXXX and the name on the transaction is XXXX XXXX. It's also tied to XXXX. I do not have XXXX, nor is my name XXXX XXXX. I have no alias. Today, XX/XX/year>, I called to speak to a supervisor as my appeal was denied. Upon talking with the supervisor, I was asked to provide additional documentation. This is outrageous! The additional information is in my statement- THE OTHER MAN 'S NAME on MY account from a financial institution with whom I have no BUSINESS. The remaining transactions occurred at places I've never been to and even a few I never heard of ( XXXX, XXXX XXXX XXXX and TXXXX XXXX XXXX XXXX  ). I have never been to a XXXX since coming to XXXX XXXX in XXXX the transaction at XXXXXXXX XXXX occurred while I was asleep. The final transaction, a charge at the XXXX ( city bus ), was surely not made by me as I suffer from military induced XXXX and can not ride the bus ( for the safety of the people on the bus ). Therefore, I am not responsible for the theft that Money Lion is blatantly allowing to happen in my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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