vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian is reporting a public record for a XXXX  XXXX bankruptcy ( Case No. XXXX, filed XX/XX/year>2024 ), and multiple tradelines as included in bankruptcy. However, the XXXX Bankruptcy XXXX for the XXXXXXXX XXXX XXXX has explicitly stated it does NOT furnish consumer information to credit reporting agencies. 

This means that Experian is reporting a legal action without the ability to verify its accuracy at the source. According to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), Experian must use reasonable procedures to assure maximum possible accuracy which includes verification with the original data furnisher. Because the court does not furnish, any such record or tradeline classification is based on unverifiable third-party data and violates the FCRA. 

The following tradelines are also incorrectly marked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my Experian report, the dispute letter I sent, my ID, and a copy of the court 's notice that it does not furnish data.

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 2025-05-30 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: AL

Complaint narrative:
I have not supplied proof under this doctrine of XXXX v. XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. I legally presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Alleged debt name HUD account number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I have not supplied proof under this doctrine of XXXX v. XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. I legally presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Alleged debt name HUD account number 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 2025-05-30 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED BY THEXX/XX/XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX - Date Opened XX/XX/XXXXXX/XX/XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
b'I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent.\nXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Today, while reviewing my credit report as I usually do, I came across inaccurate accounts that I can't explain. I assumed it could be a temporary glitch, so I refreshed the page, but the incorrect information was still there. Im therefore asking for a careful review of the paperwork I provided, so I wont have to worry about this issue again.

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 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account, XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently opened account and experienced fraud. After resolving they restricted my account with no explanation. Tried to call they wouldn't accept any phone numbers and that was justification for requiring my ID THAT I ALREADY SENT THEM and im not sending again its unreasonable and I am being penalized for no reason And apparently its okay for them to record calls. And not me. Strange. 

Wouldn't provide chat transcripts Wouldn't transfer me to another person I asked for a supervisor the lady said there's nobody above me and then changed her story to my supervisor only handles admin. And then when I said I just want to speak to someone else she said no. Then I said who do I file a complaint with internally. She says her. So she was fraud specialist. CEO. HR. Customer service. And unprofessional. How u get so many jobs in the same company and ur that incompetent I dont understand .. anyways at this point I didnt trust her and I asked for transcripts. Said no and I said okay then ill need to record for my records and she hung up on me. Absolutely appalling I called back again to no avail. They left me with a cart full of stuff in a store. Like why would I go thru so much trouble if I wasn't me. Entirely unreasonable especially when I was victimized. Not only thru the fraud but by the compsny as well. 

Its been over a week and account is locked. 
Still within a promo period for earning XXXX  amount of rewards in XXXX XXXX I want that reset for sure! And quite frankly I think Im done doing business with crapital none. Sorry capital one. 

Also awhile we are at it. My XXXX  added me as an auth user to XXXX  XXXX  card over XXXX  XXXX  ago and they didnt add it to my report and it's in good standing. I want that added. 

There also needs to be an easier way to dispute. Im definitely not calling their ignorant XXXX XXXX XXXX XXXX again .. they claim easy process and their policy says will protect but their actions are not in line with policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CO

Complaint narrative:
My credit score dropped XXXX points in XXXX due to a late payment from aid advantage my student loans company. My payment was never late it was just posted late due to me paying on a weekend. I submitted a dispute in XX/XX/year>. And it was approved in XXXX, my credit score went back up and then a day later my credit score went back down. I then called all credit bureaus to figure out my dispute I was told it was approved and that I should see a change in my credit score. Which I did a few days later. However just like last time my credit score dropped again a day later. XXXX explanations as to why. This is preventing me from getting a house that I have been under contract on since 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 2025-05-30 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 filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$700.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$590.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One XX/XX/year> an inquiry for credit- Capital One XX/XX/year> an inquiry for credit- Capital One XX/XX/year> an inquiry for XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> an inquiry for credit- Each of these attempted transactions should have been a red flag for these companies due to the dates being so close. I didnt have no XXXX contact me to inform me that someone was trying to get credit under my name and social. I told the company it could have been a mistaken identity because of a twin brother with similar name and date of birth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response XXXX  its really making me feel XXXX since it seems that theyre not doing anything XXXX  resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable anxiety and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-05-30 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: MA

Complaint narrative:
Hello everyone, I recently review copy of my credit report and I noticed that I have fraudulent account on my report, Please remove those account from my report, this is not letting me get new credit line and Im currently working on get my house for better future. I will really appreciate if that if remove from my credit report. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against Experian for consistently reporting inaccurate and unverifiable information on my credit report, despite multiple disputes. Experian continues to : XXXX. Report multiple incorrect variations of my name. My correct legal name is XXXX XXXX XXXX XXXX, as listed on my government-issued ID. The inaccurate name variations include : XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) 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. Reinsert, verify, or continue to report inaccurate and/or invalid accounts without providing proper validation or original documentation as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX. Convert or reclassify positive accounts into potentially negative entries, which has negatively impacted my credit score and caused irreparable financial harm.

I have repeatedly requested verification and documentation pursuant to 15 U.S. Code 1681i ( the reinvestigation provision of the FCRA ), yet Experian continues to verify information with no supporting documentation and refuses to provide details on how or with whom verification occurred. 

Accounts in question include : XXXX XXXX XXXX XXXX XXXX  Status : Charged off with {$150.00} balance Disputed due to lack of verification and continued reporting after dispute. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Status : Collection, {$650.00} balance Debt buyer reporting without proper validation from the original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX. ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Closed, but was reported XXXX days late in error. Disputed and no supporting evidence provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Collection, {$700.00} balance Original creditor : XXXX XXXX. Account disputed due to lack of substantiation and incorrect reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Charged off, {$9.00} balance Inaccurate reporting and lack of proper validation. 

Experian also flagged certain current, non-delinquent accounts as potentially negative, which is a misrepresentation of their standing and contrary to the FCRAs requirement for accurate 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
FICO SCORE IS XXXX on XX/XX/XXXX and decreases to XXXX on XX/XX/XXXX. In XXXX of XXXX, my score tumbled to XXXX. WHY? All 3 scores are incompatible with the Experian generated rationales below. In XX/XX/XXXX, Experian advised me that my FICO score had nose-dived to XXXX.without justification for its decimation and or any negative potentialities on my credit report. Experians history repeats itself.

I ALWAYS pay my bills 2 weeks in advance of their due dates. My debt -to- income ratio glows.

I seek to be made whole once again, to have my FICO score restored to a stellar XXXX. I would dislike to have to again engage a peripheral agency to restore my score in what appears be a game of justification hide-and-seek. This does not engender financial accountability on the part of Experian. 
According to Experian, These are the most impactful factors affecting your FICO Score. 
No missed payments HELPING Long credit history HELPING Long revolving history HELPING No collection or public record Score ingredients : An overview of all the factors impacting your FICO Score. 
Payment history 35 % of score EXCEPTIONAL Amount of debt 30 % of score VERY GOOD Length of credit history 15 % of score EXCEPTIONAL Amount of new credit 10 % of score GOOD WHY ONLY GOOD?

Credit Mix 10 % of score EXCEPTIONAL My complaint was responded to by Experian LTD in XXXX. No correction was provided and I was told to write to the XXXX. 

I await your timely response. Thank you. 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 2025-05-30 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: LA

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