vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX - XXXX XXXX : - XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX  XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXXIncorrect Name : - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX. XXXX, XXXX - XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX - 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

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 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccurate, unauthorized, and disputed items appearing on my credit reports. Despite my repeated attempts to correct these errors, the inaccuracies continue to negatively impact my creditworthiness, causing financial harm, stress, and potential denial of credit. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ), which require credit reporting agencies and furnishers to ensure accuracy, conduct reasonable investigations, and promptly correct or delete inaccurate information. I request the CFPB intervene and direct all involved parties to complete thorough reinvestigations and permanently remove unverifiable, unauthorized, or inaccurately reported information. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1300.00} Chargeoff XXXX XXXX Law/Issue : Inaccurate Charge-Off Reporting FCRA Sections 607 ( b ), 609, and 611 require accurate, verifiable reporting. I dispute the validity of this charge-off because the balance, account status, or both are misreported.

Story : This account information is inaccurate. The reported charge-off does not reflect my actual account history, payments, or agreements. Previous disputes have not corrected this error. I am requesting full verification and correction under the FCRA, as its continued reporting is harming my credit profile. 

All actions described above are in violation of the FCRA and have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full compliance with the law. Documentation supporting these disputes will be provided upon request. 
I assert that if these errors are not corrected promptly, further legal action will be considered to protect my rights under FCRA Sections 611 and 623. The CFPBs oversight is crucial to ensure compliance with federal law and to restore the accuracy of my credit profile.

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 2025-10-14 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: FL

Complaint narrative:
I am Submitting this complaint regarding inaccurate late payment information being reported for several open accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These accounts are showing recent late payments even though my records confirm timely payments and ongoing activity. Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( a ), furnishers and credit reporting agencies are required to ensure maximum possible accuracy. Reporting false late payments misrepresents my payment history and harms my creditworthiness. I previously disputed these errors with the credit bureaus, but they remain unresolved.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The debts arent mine. I dont work for the Army . With the XXXX  data breach, none of this information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am filing this statement to report inaccurate and misleading information appearing on my credit report. The account XXXX XXXX XXXXXXXX XXXX * * * * * * * * is being reported as late closed with a balance of {$400.00}, which I dispute as inaccurate. Additionally, the accounts XXXX XXXXXXXX XXXX * * * * ( {$470.00} ), XXXX XXXX * * * * * * * * * * ( {$2000.00} ), and XXXX XXXXXXXX * * * * * * * * ( {$0.00} ) * * are being reported as charge-offs, but the information does not accurately reflect the true payment history or current standing of these accounts. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to maintain the maximum possible accuracy of all information reported ( 607 ( b ) ). Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. As a consumer, I am exercising my right under FCRA 611 ( a ) to request a thorough reinvestigation of these items to ensure all data being reported is fair, factual, and verifiable.

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 2025-10-14 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: AR

Complaint narrative:
I hope this complaints finds you well. I am writing to formally request a review and investigation of several items currently listed on my credit report. This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( FCRA 611 ), which grants consumers the right to dispute inaccurate, incomplete, or unverifiable information reported by consumer reporting agencies. After reviewing my credit file, I have identified several items that I believe may be inaccurate, unverifiable, or outdated. 
XXXX XXXX * * * * * * * * * * Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXXXXXX * * XXXX * * * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * XXXX * * * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * * * XXXX * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * * * * * XXXX * * * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX * * * * * * Balance : {$0.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX * * * Balance XXXX {$560.00} EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-10-14 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 hope this complaints finds you well. I am writing to formally request a review and investigation of several items currently listed on my credit report. This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( FCRA 611 ), which grants consumers the right to dispute inaccurate, incomplete, or unverifiable information reported by consumer reporting agencies. After reviewing my credit file, I have identified several items that I believe may be inaccurate, unverifiable, or outdated. 
XXXX XXXX * * * * * * * * * * Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXXXXXX * * XXXX * * * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * XXXX * * * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * * * XXXX * * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * * * * * XXXX * * * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX * * * * * * Balance : {$0.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX * * * Balance XXXX {$560.00} EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCM Finance LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information related to a repossession and debt that is currently being reported on my credit report. I have reason to believe that the repossession and associated debt have been reported incorrectly, and I am requesting that you conduct an immediate investigation and remove or correct the information. 
Details of the Disputed Account : Account Name : [ Ccm Finance Llc ] Account Number : [ N/A ] Vehicle Information : VIN [ N/A ], Year, Make, and Model of the vehicle Date of Repossession : [ N/A ] I have already requested verification from the lender or collection agency, and they have failed to provide sufficient evidence that they have the legal right to collect this debt or repossess the vehicle. Specifically, I have requested : 1. Proof of their right to repossess the vehicle.

2. Assignment of the debt, showing the transfer from the original creditor.

3. Proof of securitization of the debt. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting. Since the lender or collection agency has failed to validate the debt, I am requesting that you take the following actions immediately : 1. Conduct a thorough investigation into the legitimacy of the reported repossession and the associated debt.

2. Temporarily remove or mark the account as " disputed '' during your investigation.

3. Remove this account entirely if the lender/collection agency can not provide verified proof of their right to collect the debt or repossess the vehicle.

4. Ensure that this dispute and its resolution are properly reflected in my credit file. 
Additionally, please refrain from sharing this disputed information with any third parties while the investigation is pending. I have enclosed copies of my identification, a recent utility bill, and other documents for verification purposes. 
I expect a written response within 30 days, as mandated by law, detailing the results of your investigation and the actions you have taken. If the disputed information is not removed, I request a full explanation of the findings, including the source of the information. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Breach of contract! The company victory XXXX sold me a car through credit acceptance and when they sold me the 2018 XXXX XXXX, they sold me the car with no catalytic converter, which is a breach of contract from the jump I was not aware of consumer laws at that time. When I asked to return the car they denied the return so I called XXXX and they scheduled an inspection which proved the car had no catalytic converters so they offered me {$1500.00} in compensation instead me not knowing that was a breach of contract at the time of purchase, they denied my return and forced me to keep the vehicle now Im suffering a vehicle damages down the road due to the negligence and deceptive practices I can provide the XXXX report as soon as I get it from XXXX or if you can pull it from your end that can help as well, but the dealership has not contacted me back with my XXXX report or my {$1500.00} receipt proving the car had no catalytic converters at the time of purchase and Im looking to get this off of my credit report and receive compensation after filing with the New York Attorney General FTC EPA and now the CFpb simultaneously

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 2025-10-14 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: FL

Complaint narrative:
I am Submitting this complaint regarding inaccurate late payment reporting on my credit report. Accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are showing late payments for periods in which I have records of timely payments. Additionally, XXXX is being reported as a late closed account with a {$0.00} balance, which is misleading and negatively affects my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( a ), furnishers and credit bureaus must ensure that all reported information is complete, accurate, and verifiable. I have disputed these items with the bureaus, but they remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am Submitting this complaint regarding inaccurate late payment reporting on my credit report. Accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are showing late payments for periods in which I have records of timely payments. Additionally, XXXX is being reported as a late closed account with a {$0.00} balance, which is misleading and negatively affects my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( a ), furnishers and credit bureaus must ensure that all reported information is complete, accurate, and verifiable. I have disputed these items with the bureaus, but they remain unresolved.

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 2025-10-14 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : - XXXX - XXXXIncorrect Name : - XXXXXXXX XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX - XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX XXXX XXXX - 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 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 non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am Submitting this complaint regarding inaccurate late payment information being reported for several open accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These accounts are showing recent late payments even though my records confirm timely payments and ongoing activity. Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( a ), furnishers and credit reporting agencies are required to ensure maximum possible accuracy. Reporting false late payments misrepresents my payment history and harms my creditworthiness. I previously disputed these errors with the credit bureaus, but they remain unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXXXXXX XXXX Late Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Late Dates Reported XXXX XXXX XXXX XXXX XXXX 
These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate personal information appearing on my credit report. The report lists an incorrect name, XXXX XXXX, and several inaccurate addresses, including XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX These identifiers do not belong to me and appear to have been mixed with another consumers file. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of consumer information. Furthermore, under FCRA 1681i ( a ), I have the right to dispute any inaccurate or incomplete information and have it promptly investigated and corrected or deleted within 30 days.

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 2025-10-14 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: KS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 

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 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 non-monetary relief