vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

CHARGED OFF XXXX XXXX BANK XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/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 2025-11-27 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: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer in the process of fixing my credit and I am disputing certain items on my credit report. I request your assistance in investigating the following discrepancies and correcting them. Please see the details of my disputes for each bureau below : CHARGED OFF : BANKCRUPTCY | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} INQUIRIES : XXXX | Date : XX/XX/XXXX LATE PAYMENT : XXXX  | Account Number : XXXX XXXX  | Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-27 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: TN

Complaint narrative:
I am writing to dispute the following accounts and inquiries reported on my credit file across the XXXX credit bureaus : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  ( XXXX ). I believe that the accounts and inquiries listed below contain inaccuracies or incomplete information that violate the Fair Credit Reporting Act ( FCRA ). 

Equifax ( XXXX ) Charged Off Accounts XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$370.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Inquiries XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

CHARGED OFF XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland credit management a large debt buying XXXX of a company has been destroying my credit these last XXXX yrs. They\nBought some debt that was never mine was associated with identity theft.I 'm still dealing with that bunch of credit cards and banks opened in my name without my knowledge or consent. This particular company I thought I dealt with it.They took it off the credit report, all reporting credit agencies in every 3 to 5 months.They reopen it, which drops my score drastically.Then they randomly close it again, and then they reopen it.They 've done this about a dozen times and each time it's detrimental to my credit score, and it's during a time where i'm trying to get a home or a car or help my daughter with school and they just magically reopen this file that says I owe money to something I've never even heard over, did.In fact, I was in prison when the thief decided to steal my identity. Anyway, I need this company.Dealt with something needs to be done.I 've already notified the f t c about the banks the credit fraud etc. 
have Uploaded XXXX XXXX.It 's what brought this to my attention yet again.And even in the screenshot, it says this is unusual for somebody like this to keep reopening this account just do the right thing.Make this company go out of businesstart a lawsuit for people like me or take it off my credit report all togethat way.Nobody can see it because it's fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX is a fraudulent loan place onto my credit report I have never gotten a loan with this company I have ftc report and police report to prove this is a result of identity theft please remove

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX is a fraudulent loan place onto my credit report I have never gotten a loan with this company I have ftc report and police report to prove this is a result of identity theft please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
I am not responsible for these accounts and require they be removed within 15 days per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 2025-11-27 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX because they are reporting a {$130.00} XXXX XXXXXXXX XXXX account to Experian and Equifax even though the debt has never been validated. I disputed the account directly with the collection agency and requested proper validation under FDCPA 1692g ( b ). XXXX XXXX never mailed any documentation, never validated the debt, and never proved that I owe this debt or that they have the legal right to collect it. 

Despite failing to validate the debt, the company continues to report the account to the credit bureaus. This is a violation of FDCPA 1692g ( b ), which requires a collector to cease collection and reporting activity until validation is provided. They also failed to mark the account as disputed as required under FCRA 623 ( a ) ( 3 ). Additionally, they have not reported the Date of First Delinquency, which is required under FCRA 623 ( a ) ( 5 ). Because of these failures, I can not confirm the accuracy, ownership, or validity of the debt. 

I also disputed this account with both Experian and Equifax, and XXXX XXXX still did not provide evidence to verify the account during reinvestigation. The reporting has inconsistent information across bureaus, and XXXX has not proven the debt belongs to me or that it is legally enforceable.

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 2025-11-27 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: OH

Complaint narrative:
I am writing to submit a formal dispute regarding inaccurate and incomplete credit reporting on my credit reports provided by the three major bureaus : Experian, XXXX, and XXXX. Below are the details of the accounts I am disputing, categorized by bureau. 

Charged Off : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
This letter serves as my official notice challenging the listed accounts. I neither recognize nor approved their creation. I request their deletion and a full investigation. Relevant documentation is attached.

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 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint because Citi closed my account without any prior notice. I only discovered the closure when I could no longer log in, and after calling customer service and visiting a branch, I was told it was due to ACH-related activity. I was never informed beforehand or given any opportunity to respond or clarify anything. 

I opened the Citi account because of the high interest rate and the opening bonus, and I transferred a large amount of money into the account. These funds are completely legitimate. My family is financially well-established, and my father, a XXXX XXXX  of a publicly listed company in XXXX, has supported me financially for many years. Much of my money has been in my personal accounts for a long time and has always been fully under my control. 

Later, I opened other accounts such as XXXX XXXX XXXX XXXX  for bonuses or investing, and I moved some of my own funds using ACH because I believed it was a normal transfer method in the U.S. I had no fraudulent intent and was simply unfamiliar with U.S. banking practices.

I can fully provide statements from my other bank accounts to prove that all of these funds belong to me and are completely clean. Citis decision to close my account, freeze my funds, and refuse to give me any chance to explain beforehand is extremely unreasonable. I am completely innocent in this situation.

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 2025-11-27 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: AR

Complaint narrative:
I am submitting this complaint regarding the accounts listed below that are inaccurately reported on my credit reports. The following accounts are in dispute with each respective credit bureau : CHARGED OFF Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Account : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Account : XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES Account : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX XXXX Bank Reported for : Account Abuse Date of Closure : XX/XX/XXXX Charge-off Amount : {$430.00} Status : UNPAID Reason for dispute : This entry contains incomplete and unverifiable information, including missing required identifying documentation from the furnisher and an incomplete account history. The information does not reflect accurate status or supporting evidence of " account abuse. '' I am requesting verification including signatures, account records, itemized transactions, and furnishing compliance under 623. If the furnisher can not supply it, this entry must be deleted. 
XXXX XXXX XXXX Reported for : Account Abuse Date of Closure : XX/XX/XXXX Charge-off Amount : {$250.00} Status : UNPAID Reason for dispute : This item contains errors in reporting, including inconsistent name variations and missing proof that the debt is valid and attributable to me. Under 609 ( a ) ( 1 ), I request all documentation used to verify this account. If such documentation can not be provided, delete this entry immediately. 
XXXX XXXX XXXX XXXX Reported for : Account Abuse / Overdrafts Date of Closure : XX/XX/XXXX Charge-off Amount : {$93.00} Reason for dispute : This item shows as previously disputed but furnisher verification was conclusory and did not satisfy the " reasonable investigation '' requirement under FCRA 623 ( b ) ( 1 ). Because the furnisher failed to respond with complete and accurate investigation documentation, it remains unverified and must be removed. 
XXXX Bank Reported for : Account Abuse Date of Closure : XX/XX/XXXX Charge-off Amount : {$42.00} Reason for dispute : This entry contains inconsistencies and lacks itemized transaction history needed to support the account abuse designation. Under 611 ( a ) ( 1 ) ( A ), unverifiable or incomplete information must be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TN

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report, as I believe there are inaccuracies that need to be corrected. 

CHARGED OFF Bankruptcy, XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-11-27 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:
The reported information does not align with my true financial performance. I request a correction based on review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am submitting this complaint to report multiple inaccuracies on my credit report and to request a full investigation. There are two addresses listed that do not belong to me, and I have never lived at or used them for any purpose : XXXX XXXX, XXXX, SC XXXX and XXXX XXXX, XXXX, SC XXXX. These addresses are incorrect and should be removed. 

There are also several accounts showing as charge-offs and collections that I have no knowledge of, never opened, and never authorized. These include XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$810.00}, and XXXXXXXX XXXX  XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$0.00}. Since I have no relationship with these accounts, I am requesting their complete deletion. 

My report also shows XXXX XXXX XXXX collection accounts ( XXXXXXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX ), both opened on XX/XX/XXXX, with balances of {$1300.00} and {$1400.00}. I do not recognize these accounts or owe these debts. Because they are unverified and unknown to me, I am requesting full investigation and removal. 

I am asking for the removal of the wrong addresses and the deletion of all charge-off and collection accounts that I have no knowledge of. These items are negatively affecting my credit and are not accurate. I request that the CFPB investigate and ensure that all reporting complies with the Fair Credit Reporting Act.

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 2025-11-27 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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