vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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 regarding multiple inaccuracies reported on my credit file that violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my credit report reflects inaccurate personal information, including names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Additionally, my report lists charge-off accounts inaccurately reported as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX  Furthermore, the inquiry from XXXX XXXX on XX/XX/year> is being disputed as it was not authorized.

These errors are in violation of FCRA 602 ( 15 U.S.C. 1681 ), which r
equires consumer reporting agencies to ensure fairness, accuracy, and privacy of credit information, FCRA 611 ( 15 U.S.C. 1681i ), which guarantees the right to dispute inaccurate or incomplete information and requires a reasonable reinvestigation, and FCRA 623 ( 15 U.S.C. 1681s-2 ), which obligates furnishers of information to report data that is accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
I am filing this complaint regarding multiple inaccuracies reported on my credit file that violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my credit report reflects inaccurate personal information, including names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Additionally, my report lists charge-off accounts inaccurately reported as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX  Furthermore, the inquiry from XXXX XXXX on XX/XX/year> is being disputed as it was not authorized.

These errors are in violation of FCRA 602 ( 15 U.S.C. 1681 ), which r
equires consumer reporting agencies to ensure fairness, accuracy, and privacy of credit information, FCRA 611 ( 15 U.S.C. 1681i ), which guarantees the right to dispute inaccurate or incomplete information and requires a reasonable reinvestigation, and FCRA 623 ( 15 U.S.C. 1681s-2 ), which obligates furnishers of information to report data that is accurate and complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
Even though the account was paid, it still lists late payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account has been satisfied, but my report continues to show delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This account has been satisfied, but my report continues to show delinquencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a 100 % XXXX XXXX  with a XXXX mortgage through XXXX XXXX  XXXX 

In XX/XX/XXXX, I entered into a repayment/forbearance plan with XXXX XXXX XXXX I complied fully and made all required payments under that plan. Despite this, XXXX XXXX  reported those months as XX/XX/XXXX day late to the credit bureaus. 

This is false and damaging reporting. By definition, a forbearance or repayment plan is an agreed-upon arrangement, not delinquency. Servicers are not supposed to penalize veterans for entering such plans. Reporting them as late payments undermines the intent of the XXXX  program and discourages borrowers from seeking assistance. 

As a result, my credit score has dropped to XXXX, despite being current on the mortgage, never have missed a mortgage payment in XXXX  years of owning homes, and aggressively paying down other debts. A single mortgage late is devastating to a XXXX credit standing ; multiple lates under a formal plan are egregious. 

I am requesting : XXXX. Immediate correction of my credit reporting to remove or re-code the inaccurate late payments. 
XXXX. Oversight to ensure XXXX XXXX  adheres to proper credit reporting guidelines for XXXX  loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
I am a 100 % XXXX veteran with a XXXX mortgage through XXXX XXXX  XXXX 

In XX/XX/XXXX, I entered into a repayment/forbearance plan with XXXX XXXX XXXX I complied fully and made all required payments under that plan. Despite this, XXXX XXXX  reported those months as XX/XX/XXXX day late to the credit bureaus. 

This is false and damaging reporting. By definition, a forbearance or repayment plan is an agreed-upon arrangement, not delinquency. Servicers are not supposed to penalize veterans for entering such plans. Reporting them as late payments undermines the intent of the XXXX  program and discourages borrowers from seeking assistance. 

As a result, my XXXX XXXX has dropped to XXXX, despite being current on the mortgage, never have missed a mortgage payment in XXXX  years of owning homes, and aggressively paying down other debts. A single mortgage late is devastating to a veterans credit standing ; multiple lates under a formal plan are egregious. 

I am requesting : XXXX. XXXX correction of my credit reporting to remove or re-code the inaccurate late payments. 
XXXX. Oversight to ensure XXXX XXXX  adheres to proper credit reporting guidelines for XXXX  loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: KS

Complaint narrative:
I dispute this entry because it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: RI

Complaint narrative:
This account is the result of a identity theft and it is affected my credit score and i can't get new account because of it. i will request the original documents of each debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
A collection account has appeared on my credit report from Associated Credit Services, and it is being reported to both XXXX  and XXXX. However, the company has never provided me with any verification of this alleged debt despite my requests. They have also failed to provide proof that they own the account or are legally authorized to collect it. Because this account was reported without any validation, it amounts to debt parking, a practice prohibited under the Fair Debt Collection Practices Act ( FDCPA ), which unfairly harms consumers by coercing payment on unverified accounts through negative credit reporting. 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection until proper validation is provided, yet Associated Credit Services has not met this requirement. They have not produced the bill of sale, proof of ownership or assignment, an unbroken chain of title, or documentation showing that the alleged debt is valid and legally collectible. In addition, they have not demonstrated proof of licensure or authorization to collect debts in my state. Despite failing to provide these materials, they continue to furnish this account to both XXXX  and XXXX. This conduct further violates 15 U.S.C. 1692e ( 8 ), which prohibits reporting information known, or which should be known, to be false or misleading. 

As a result, both XXXX  and XXXX  are also in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have failed to ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ), failed to conduct a reasonable reinvestigation after I disputed the account ( 15 U.S.C. 1681i ( a ) ), and failed to require the furnisher to properly investigate the dispute as required under 15 U.S.C. 1681s-2 ( b ). By continuing to report this unvalidated and unverified account, both Associated Credit Services and the credit reporting agencies are disregarding their legal obligations and violating my rights under federal law. 

For these reasons, I am requesting immediate corrective action. Associated Credit Services should be required to provide full validation of this debt, including the original contract, bill of sale, unbroken chain of title, and proof they are authorized to collect in my state. Unless and until such documentation is produced, XXXX  and XXXX  should delete this collection account from my credit file. Finally, both the debt collector and the credit reporting agencies must cease reporting or collection activity until validation is completed in full compliance with federal law. This account is causing ongoing harm to my credit profile and reputation, and prompt corrective measures are necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 filing a complaint regarding multiple inaccuracies on my credit report. Accounts are misreported as charged off : XXXX XXXX XXXX XX/XX/XXXX( {$340.00} ), XXXX XXXX XX/XX/XXXX ( {$710.00} ), and XXXX XXXXXX/XX/XXXX( {$2900.00} ). A collection account XX/XX/XXXXXXXX * ( {$730.00} ) is also being reported inaccurately. In addition, numerous inquiries appear on my report that I did not authorize, including but not limited to : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These items violate FCRA 611, 623, and 607 ( b ), as they are not accurate, verified, or authorized.

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