vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
All of these accounts now show a {$0.00} balance and I do not owe any money on them. Despite this, these accounts are still being reported on my credit reports as active/negative tradelines, even though there is no outstanding debt and they should not continue to be reported in this manner. 

The companies have not corrected the information and continue to allow multiple $ XXXX accounts to appear on my credit reports as if they are active derogatory accounts. 

This reporting is inaccurate, misleading, and is harming my credit scores and ability to obtain credit on fair terms. I am requesting that the CFPB require the companies and the credit bureaus to conduct a proper investigation and remove or correct these tradelines so that any accounts with a {$0.00} balance are no longer reported as active or derogatory. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status.

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 2025-12-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
All of these accounts now show a {$0.00} balance and I do not owe any money on them. Despite this, these accounts are still being reported on my credit reports as active/negative tradelines, even though there is no outstanding debt and they should not continue to be reported in this manner. 

The companies have not corrected the information and continue to allow multiple $ XXXX accounts to appear on my credit reports as if they are active derogatory accounts. 

This reporting is inaccurate, misleading, and is harming my credit scores and ability to obtain credit on fair terms. I am requesting that the CFPB require the companies and the credit bureaus to conduct a proper investigation and remove or correct these tradelines so that any accounts with a {$0.00} balance are no longer reported as active or derogatory. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} This account was paid on XX/XX/year> and should reflect a {$0.00} balance and paid/closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 also disputing inaccurate information on my TransUnion report : XXXX. Charged Off Accounts [ Insert ACCOUNT NAME, ACCOUNT NUMBER, ACCOUNT DATE, BALANCE ] Please verify the validity of this charge-off, including payment records and charge-off notice. If unverifiable, delete the item. 

XXXX. Inquiries Unauthorized or questionable inquiries include : XXXX, XX/XX/year> XXXX, XX/XX/year> Please investigate and remove any unverified inquiries. 

XXXX. Late Payments XXXX XXXX XXXX, XXXX I am disputing the accuracy of these late payment entries. Please provide documentation verifying their accuracy or remove them if unverifiable.

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 2025-12-01 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 am disputing the accuracy and completeness of the information listed below on my Equifax credit report. I am requesting a full investigation because these accounts and inquiries contain reporting errors and do not reflect accurate information. I am asking for verification compliant with the FCRA, or for the items to be deleted if they can not be fully validated. 

CHARGED OFF XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/year>, Balance : {$660.00} LATE PAYMENT XXXX, Acct : XXXX XXXX XXXX XXXX XXXX XXXX, Acct : XXXX XXXX XXXX XXXX  XXXX XXXX, Acct : XXXX XXXX XXXX XXXX  XXXX, Acct : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. 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 XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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: TX

Complaint narrative:
Could you review this entry? Its late and might contain mistakes.

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 2025-12-01 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: LA

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported on my Experian credit report. I am a consumer working to repair my credit, and I believe the accounts listed below contain errors and may be reported inaccurately or without proper verification. I am requesting a full investigation and correction or deletion of any information that can not be 100 % verified for accuracy under the FCRA. 

CHARGED OFF ( EX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reported Balance : {$1100.00}

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2025-12-01 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: NY

Complaint narrative:
The following entries in my Equifax credit file are being disputed for their inaccuracy or failure to provide sufficient verification. I ask that these accounts and inquiries be properly investigated and corrected or deleted. 

Charged Off EQ XXXX XXXX, Account No. XXXX, XX/XX/XXXX, Balance : {$230.00} XXXX XXXX, Account No. XXXX, XX/XX/XXXX, Balance : {$500.00} UNAUTHORIZED COLLECTION, Account No. XXXX, XX/XX/XXXX, Balance : {$3600.00} Inquiries EQ XXXX XXXX  Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment XXXX XXXX, Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2025-12-01 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 disputing the TransUnion items because they are being reported inaccurately and require a full FCRA reinvestigation. Any unverifiable information must be deleted. 

Charged Off TU ( No charged-off accounts listed for TU. ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-01 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:
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 explanation
Consumer complaint received 2025-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Request for investigation & Deletion of inaccurate accounts - FCRA 1681e ( b ) To Whom it May Concern, I am disputing the accuracy of the following accounts : - Capital One- XXXX Under FCRA 1681e ( b ), you must maintain maximum possible accuracy. These accounts are inaccurate or unverifiable. XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) - superficial investigations violate FRCA. Please delete and confirm in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I filed a dispute with SoFi on XX/XX/year> for a {$1400.00} XXXX XXXX transaction ( account ending in XXXX XXXX XXXX XXXXXXXX ). The merchant, XXXX, appears to

have reversed a chargeback improperly. SoFi has refused to issue provisional credit, claiming that Regulation E does not apply because the transaction was authorized. Regardless of authorization, the bank is required under card network rules and its own policies to provisionally credit my account while investigating a disputed charge. It has now been over 20 business days, and my account has not been credited. I am requesting the CFPB to investigate SoFis failure to comply with card network dispute procedures and provide immediate provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with Equifax. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
1. Incorrect Employers : My current and correct employer is : SELF EMPLOYED The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin 2014-01 Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with TRANSUNION. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
XXXX. Incorrect Employers : My current and correct employer is : XXXX XXXX The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB XXXX XXXX XXXX on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

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 2025-12-01 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 asking TransUnion to investigate the items listed below. I am trying to fix my credit, and some of the information being reported appears incorrect or not fully verified. Please conduct a full reinvestigation and remove anything that can not be validated. 

Charged-Off Accounts in Dispute XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} Inquiries in Dispute XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Late Payments in Dispute XXXX XXXXXXXX

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation