vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 submitting this complaint regarding multiple inaccuracies on my Equifax credit report. I am seeking corrections and removal of inaccurate information related to Charged Off and Late Payment accounts.

Accounts in Dispute Charged Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} Accounts in Dispute Late Payments : 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  Reason for Dispute : Accounts are inaccurately reported regarding status, balances, and payment history. 

I dispute the Charged Off and Late Payment designations as incorrect. 

Requested Resolution : I request Equifax verify each account with the creditor, correct any inaccuracies, and remove any unverified or incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I didnt receive any notice that i owed this company money, i recently checked my credit report and notice they were reporting negative information without my permission or written consent.

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 2025-12-28 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Inquiries : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
I have several unknown hard credit inquiries EVERY MONTH EVEN THOUGH MY CREDIT FILE IS FROZEN, specifically from XXXX that have negatively affected my credit and ability to secure a home improvement loan to adapt home for MY XXXX. My score dropped XXXX points within a week for no valid reason. I have asked the companies and all credit reporting agencirs to remove these fraudulent unauthorized credit inquiries and XXXX XXXX XXXX debt fraudulently reported to my frozen credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this complaint to dispute inaccurate reporting on my Equifax credit report. 

Charged-Off / Bankruptcy Accounts I dispute the following account : XXXX  XXXX Acct XXXX ( XX/XX/year>, balance {$0.00} ) This account may be inaccurately reported. I request Equifax verify the accuracy of the account information and remove or correct it if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and TransUnion are reporting the same account with two different creditors ( Online Information Services- TransUnion and Online XXXX XXXX - Equifax ), which is inaccurate, misleading, and materially confusing to any person reviewing my credit file. This complaint is not a dispute of the debt itself and is not a request for debt verification. This issue is that credit reporting agencies are publishing internally inconsistent and contradictory information for what appears to be a single account. 

Specifically : Equifax reports this account under one creditor name ; TransUnion reports the same account under a different name ; Both agencies are presenting the accounts as valid, despite the fact that a single account can not simultaneously belong to two different creditors. This discrepancy creates a materially misleading credit report and violates the credit reporting agencies obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681, including but not limited to : 1681e ( b ) -failure to follow responsible procedures to assure maximum possible accuracy. 1681c ( a ) ( 5 ) - reporting information in a manner that is misleading or incomplete. The general FCRA requirement that credit reports be accurate, consistent, and not deceptive. 

A reasonable creditor, landlord, or employer reviewing my credit report would be unable to determine : who actually owns the account, whether the account has been transferred, sold, or duplicated, whether the account is being double-reported under different names. 

Despite my efforts to resolve this issue, Equifax and TransUnion continue to report conflicting creditor information instead of correcting or suppressing inaccurate information. Credit reporting agencies are not permitted to rely blindly on furnishers when the information being reported is facially inconsistent.

Reporting two different creditors for the same account demonstrates a lack of reasonable procedure and misleading reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 disputing a collection account reported by XXXX & XXXX that I do not recognize and did not authorize. 

Creditor : XXXX XXXX XXXX Original Creditor : Progressive Balance Reported : {$1200.00} I did not enter into any agreement that resulted in this alleged debt. I did not authorize this account, nor did I give permission for it to be reported as a collection. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), please conduct a reasonable investigation and delete this account if authorization can not be proven. 

I am disputing a collection account reported by XXXX XXXX that does not belong to me. 

Creditor : XXXX XXXX Balance Reported : {$70.00} I did not authorize this account and have no contractual obligation with XXXX XXXX. Reporting this account without verified authorization violates the Fair Credit Reporting Act. 

Please conduct a full investigation and delete this account if you can not provide proof of authorization I am disputing a collection account reported by XXXX XXXX XXXX that I did not authorize. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX Bank Balance Reported : {$620.00} I did not open or authorize this account. I have no agreement with XXXX XXXX XXXX or XXXX XXXX Bank for this alleged debt. 

Under the Fair Credit Reporting Act, this account must be removed if it can not be verified with proof of authorization. 

I am formally disputing a collection account reported by XXXX XXXX XXXX that does not belong to me. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Balance Reported : {$770.00} I did not authorize this account and have no contractual obligation regarding this alleged debt. Please conduct a reasonable investigation and delete this account if authorization can not be verified. 

Under the Fair Credit Reporting Act, this account must be removed if it can not be verified with proof of authorization.

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 2025-12-28 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: OK

Complaint narrative:
I have been trying to upload this identify theft report to the Experian, Transunion and Equifax and they never do anything with it. Every time I try uploading it, I keep getting a error. Please send the FTC report to Experian, Equifax and Transunion asap.

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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: IN

Complaint narrative:
On XX/XX/year> I took out a XXXX payloan due to emergency with rent. At XXXX  I was making payments on time but another situation happened that I was unable to make the payments on time. I noticed my XXXX loan turned into XXXX as of now. I can not pay this anymore I just cant do it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One you are the next ones on my list to put a complaint in with the CFPB. You guys I told you that you would get your money every month on the XXXX of every month and it just so happens that I had to switch banks because you had too much with the company going on. I will need you to stop calling me and I will get you your money for the overdrawn checking account and savings account as soon as I can. It may not be tomorrow or next week but definitely in XXXX as I am trying to pay off some big time credit card companies out there. I will always cherish my time with Capital One but it's time for me to move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint to dispute inaccurate and misleading information on my Experian credit report. I want my report to accurately reflect my financial history. 

Charged-Off Accounts I dispute the reporting of the following accounts : XXXX  XXXX XXXX  Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$800.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$75.00} ) XXXX XXXX XXXX  Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$1200.00} ) XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX, balance {$150.00} ) XXXX XXXX XXXXXXXX Acct XXXX ( XX/XX/XXXX, balance {$250.00} ) XXXX / XXXX  Acct XXXX ( XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$12000.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$97.00} ) These accounts include outdated or inaccurate information and accounts with zero balances that are still being reported negatively. I request Experian verify the status, balances, and dates of these accounts and remove or correct any inaccurate information. 

Credit Inquiry Disputes XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall authorizing all of these inquiries. I request Experian verify each inquiry or remove it if it can not be confirmed. 

Late Payment Disputes XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX  Acct XXXX XXXX XXXX  Acct XXXX XXXX  Acct XXXX These late payments are inaccurate or can not be verified. I request they be corrected or removed.

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 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/year>, I received a proposal from XXXX representative XXXX XXXX for an office lease at XXXX XXXX XXXX, which I left open in my computer for review but did not have the time to review or accept it due to personal matters that arose during that time. On XX/XX/year>, XXXX sent a " Welcome '' email indicating account setup ( # XXXX ) and demanding a deposit plus first month 's rent, implying a contract had been digitally signed without my intent or consent possibly a mistaken click while handling other documents. 
Immediately upon seen this welcoming email, I contacted XXXX XXXX and XXXX in XXXX by phone and email, denying authorization, stating the signature was erroneous, and demanding immediate rescission. Local staff assured resolution, but managers XXXX XXXX and XXXX XXXX failed to return calls or emails despite repeated follow-ups. 
XXXX ignored my requests, referred the account to collections initially for {$11000.00} ( full lease term charges ), and continued billing. As of XX/XX/year>, a proforma statement showed a prior outstanding balance of {$5600.00} ( XX/XX/XXXX ), no payments received, and a new invoice for {$6100.00} ( office charges ), totaling {$11000.00} due. On XX/XX/year>, I sent a formal rescission letter via certified mail to XXXX headquarters in XXXX, citing lack of consent under E-SIGN Act, UETA, and common law, demanding cessation of collections, account cancellation, and confirmation within XXXX  days none of which XXXX provided, blocking further communication while pursuing the invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 000220 ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am reporting inaccurate and inconsistent credit reporting related to my Rocket Mortgage account. On XX/XX/year> XXXX  reported my account as Not more than three payments past due ( 3 ), even though previous reporting reflected XXXX account as agreed. The balance also changed from {$140000.00} to {$150000.00} without explanation. I have submitted multiple complaints and notices regarding reporting issues and discrepancies and have withheld payment until these inaccuracies are corrected. I fully intend to bring the account current once the reporting and account concerns are resolved. Despite notice and opportunity to correct, the inaccurate reporting continues and is negatively affecting my credit. I am requesting review under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
I am writing to dispute the following accounts that have been incorrectly reported as charged off. I request that these accounts be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

============================== CHARGED OFF Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$600.00}

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 2025-12-28 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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: FL

Complaint narrative:
have not received any signed contract, original agreement, or proof of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), you must provide full validation before further collection. Until then, delete this account from any credit reporting. Also, under FDCPA 805 ( a ) ( 1 ), you are prohibited from calling before XXXX or after XXXX. Cease all phone calls immediatelycommunicate only in writing. Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General.

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