vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, GA XXXX [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Correction of Credit Report Discrepancy Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit reports obtained from two different credit bureaus. It appears that a charge-off account is inaccurately reported as a credit collection on one of these reports, which I believe is misleading and detrimental to my credit standing. 

The account in question has been identified as XXXX XXXX, and it was initially charged off by XXXX XXXX. However, upon reviewing my credit reports from Equifax and Transunion, I noticed that while the account is listed as a charge-off with XXXX XXXX on Equifax, it shows up as a collection account with XXXX XXXX XXXX on Transunion and Experian. 

This discrepancy not only creates confusion but also negatively impacts my credit score, affecting my ability to secure loans and credit at reasonable rates. In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office assists me in correcting this error or removing the incorrect account entries from my credit reports. 

Thank you for your assistance in ensuring the accuracy and fairness of my credit report. Please feel free to contact me at XXXX or XXXX if you require any further information. 

Sincerely, 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 2025-07-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, GA XXXX [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Correction of Credit Report Discrepancy Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit reports obtained from two different credit bureaus. It appears that a charge-off account is inaccurately reported as a credit collection on one of these reports, which I believe is misleading and detrimental to my credit standing. 

The account in question has been identified as XXXX XXXX, and it was initially charged off by XXXX XXXX. However, upon reviewing my credit reports from Equifax and Transunion, I noticed that while the account is listed as a charge-off with XXXX XXXX on Equifax, it shows up as a collection account with XXXX XXXX XXXX on Transunion and Experian. 

This discrepancy not only creates confusion but also negatively impacts my credit score, affecting my ability to secure loans and credit at reasonable rates. In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office assists me in correcting this error or removing the incorrect account entries from my credit reports. 

Thank you for your assistance in ensuring the accuracy and fairness of my credit report. Please feel free to contact me at XXXX or XXXX if you require any further information. 

Sincerely, 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 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 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: IL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-17 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: OH

Complaint narrative:
I am reporting Equifax for continued reporting of inaccurate, unverified, and duplicate information on my credit filespecifically multiple installment accounts including mislabeled student loans. Despite submitting a formal dispute, Equifax failed to properly investigate the matter as required by the Fair Credit Reporting Act. I specifically requested a manual investigation by a physical human agent, not an automated EOSCAR system, yet I received generic responses that did not address the legal basis of my dispute. 

These accounts are either not verifiable through XXXX, are duplicated, or misclassified, and Equifax has not provided sufficient evidence from the original creditor to support their reporting. This ongoing failure has negatively affected my consumer file and violates multiple consumer protection laws. I have requested that all unverifiable and inaccurate information be blocked and removed under FCRA 605B and 611, but Equifax has not complied.

As a result, I am seeking immediate corrective action through the CFPB and notifying the bureau of my intent to pursue legal remedies if this is not resolved promptly and lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>, Bank of America, allowed a fraudulent transfer of {$24000.00} from a locked credit card. Bank of America used a landline in attempt to determine if I was placing the transfer. The landline was hacked and forwarded to a different number. Its unclear how long this hack was in place, because the landline is not used by me, except for my home security. It is unclear what identity identifiers the bank used to allow this large transfer money to go through Bank of America denied my fraud claim, up until this point. Primary contact for this account was by mobile phone, and this was not utilized by the bank, which wouldve allowed other means identification. A police report is forthcoming along with the forwarded number that was used on my landline, that Bank of America called.

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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I accepted a remote job with XXXX  XXXX. The company sent me 3 checks for office expenses and payroll. I was told to deposit the checks and send their independent supplier the funds for programs and office supplies such as printers etc. I deposited the checks, was told by a fifth third employee that if I had access to the checks and they were processed that they would have confirmed with the bank that the account is valid and there is enough money in the account to cover the checks. I sent the funds to the independent supplier and around 3-5 days later all the checks were returned. I was told that I owe over {$3000.00} because I deposited the checks. I did my due diligence to confirm the company that I applied was legitimate. Apparently someone is using the company name, owner name etc. to do fraudulent activity. I filed a dispute with Fifth Third to no avail and was told that if I didn't pay the money within 30 days they will send it to the collection agency. This a scam and fraudulent activity that I had nothing to do with. I thought the point of having a fraud department is to remedy situations like this, but I have gotten nowhere with them. Now I'm out all this money and going to have my credit ruined over this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-17 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: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl. XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX Department, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting XXXX Mortgage Services Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the reporting of the following account that appears on my credit report with your agency : Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX * * * * Account Type : Home Loan Status : Closed Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XXXX XXXX Upon reviewing my credit reports, I noticed discrepancies and inconsistencies in how this account is reported across the three bureaus and believe it should be removed for the following reasons : Why This Account Should Be Removed * High Balance Inconsistencies Across Bureaus TransUnion and Equifax report a high balance of {$63000.00}, while Experian shows {$0.00}. This clear discrepancy demonstrates that the information being reported is inconsistent and likely inaccurate. If the high balance can not be verified and consistently reported, it is misleading to keep the account on my report.

* Account is Closed, {$0.00} Balance, No Delinquency All three bureaus show this account as Closed, with a {$0.00} balance, {$0.00} past due, and 0 late payments. Since the account is paid off, closed, and reflects no derogatory information, it does not add value to my credit history and unnecessarily occupies space on my credit profile.

* Potential Duplicate or Erroneous Reporting Given that the account reports conflicting information among the three bureaus and no longer has any open balance or obligation, it may be a duplicate of another account or otherwise erroneously remaining in my file.

* FCRA Compliance Accurate, Complete, Not Misleading Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate, complete, and verifiable information. Inconsistent balances and conflicting details undermine the accuracy of my credit report and can negatively impact my creditworthiness.

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 2025-07-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl. XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX Department, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting XXXX Mortgage Services Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the reporting of the following account that appears on my credit report with your agency : Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX * * * * Account Type : Home Loan Status : Closed Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XXXX XXXX Upon reviewing my credit reports, I noticed discrepancies and inconsistencies in how this account is reported across the three bureaus and believe it should be removed for the following reasons : Why This Account Should Be Removed * High Balance Inconsistencies Across Bureaus TransUnion and Equifax report a high balance of {$63000.00}, while Experian shows {$0.00}. This clear discrepancy demonstrates that the information being reported is inconsistent and likely inaccurate. If the high balance can not be verified and consistently reported, it is misleading to keep the account on my report.

* Account is Closed, {$0.00} Balance, No Delinquency All three bureaus show this account as Closed, with a {$0.00} balance, {$0.00} past due, and 0 late payments. Since the account is paid off, closed, and reflects no derogatory information, it does not add value to my credit history and unnecessarily occupies space on my credit profile.

* Potential Duplicate or Erroneous Reporting Given that the account reports conflicting information among the three bureaus and no longer has any open balance or obligation, it may be a duplicate of another account or otherwise erroneously remaining in my file.

* FCRA Compliance Accurate, Complete, Not Misleading Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate, complete, and verifiable information. Inconsistent balances and conflicting details undermine the accuracy of my credit report and can negatively impact my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC is reporting an account I do not recognize to my credit file : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} I never received the legally required written notice within 5 days of their first contact ( FDCPA 1692g ( a ) ). I disputed the debt and asked for full validation but never received any documents.

They are still reporting the account without proper validation, which may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief