vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested that TRANS UNION, EXPERIAN AND EQUIFAX to correct inaccurate information being reported on my credit reports. This inaccurate information is causing issues when applying with bank. I have sent 2 letters thus far and now I am requesting the assistance of the CFPB to get things corrected. I have listed information below Incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name XXXX XXXX XXXX Please remove the following incorrect addresses which are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX i have attached a copy of my license and a bill to provide my identity and correct address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Im contacting you regarding a reported late payment that does not align with my financial records. I understand that reporting mistakes can occur, but this entry is having a negative impact on my credit report and is not supported by my payment confirmations.

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 2025-07-01 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
There was a hard inquiry on my credit report for XXXX XXXX XXXX from Barclays Bank Delaware. I did not initiated this application. It is fraudulent and was created by someone else.

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 2025-07-01 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: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is important to me. However, I continue to see recurring inaccurate and false information that remains uncorrected, despite multiple attempts to resolve it. This ongoing issue is extremely stressful and exhausting, and it is unfairly damaging both my credit standing and my quality of life.

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 2025-07-01 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:
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 XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}

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 2025-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NY

Complaint narrative:
On XX/XX/XXXX a family member of the non custodial parent who received paperwork from child support to her address sent me a snapshot of the document which showed that the parent of my son made a payment on XX/XX/XXXX. The amount was for {$1800.00}. I then called the XXXX XXXX XXXX line who informed me that was correct also informed me he made a payment of XXXX on XX/XX/XXXX as well. I questioned why was I not informed as I had no knowledge that XXXX XXXXook him to court. I questioned how would these funds be available to me they stated through a debit card issued to me. The address they had on file for me was not accurate as I proved to them i had moved for almost a year from that address. I contacted Way 2 Go who informed me that an investigation would be completed during which I would receive a new card and get a provisional credit. After way 2 go giving me such a issue I finally receive the card they did determine there was fraud donw on this card but only reimbursed me the {$1800.00} stating that I informed them 120 days too late. I proof I moved a d never received this card to be ABLE to report fraud. I NEVER received any correspondence from XXXXXXXX XXXX XXXX or the way 2 go program. I moved XX/XX/XXXX when my eldest daughter had a XXXX. XXXX XXXX XXXX clams that these cards are not forwarded in which my mail was gorwarded since XX/XX/XXXX so in XX/XX/XXXX that crd would have been returned to thw merchant so was this fraud internal?? And why should I not be reimbursed if Way 2 Go already determined it to be fraud?? Because of a 120 day policy on reporting the fraud but if I have no knowledge of a card being distributed to me how can I report that? 
Also what stood out to me was both XXXXXXXX XXXX XXXX and this Way 2 Go program both stated that in the event someone moves and their mail forwarded this card CAN NOT BE FORWARDED HOW WAS SOMEONE ABLE TO ACTIVATE THIS CARD AND USE THE FUNDS AND NOW I HAVE NO RIGHTS TO MY CHILD SUPPORT. Then when the card was finally issued to me I used it a few times while disputing the XXXX with Way 2 Go someone was able to report the card as lost or stolen on XX/XX/XXXX without my permission or knowledge and get it expedited which is a fee of {$18.00} mind you out of my funds Way 2 Go allowed that and now after Way 2 Go canceled that card has not reimbursed that {$18.00} nor have they reissued me a card. Keeping me on hold 2 hours at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 writing to formally dispute a collection account that has recently appeared on my credit report. I have no record of this debt and have never authorized any transaction or agreement that would result in such a collection. I was not informed of this account prior to its reporting, and to the best of my knowledge, it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

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 XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS XXXX  TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-01 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: PA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NH

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax, Experian, and TransUnion under XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( XXXX ) the complete deletion of all XXXX inaccurate late payment entries across all three bureaus, and ( XXXX ) payment of {$300.00} to compensate for the damages suffered. This offer is valid for XXXX ( XXXX ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$3000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I am filing this complaint to dispute several inaccurate and unverifiable late payment notations that are currently appearing on my Equifax credit report. These entries are associated with accounts that either show a past due balance of {$0.00}, are closed, or otherwise contain inconsistencies that render them misleading and noncompliant with the Fair Credit Reporting Act ( FCRA ). The continued presence of these derogatory marks is unjustified, and they are damaging to my credit profile. 

The first account in question is XXXX, account ending in XXXX, which reflects a reported late payment dated XX/XX/XXXX, even though there is no past due balance. The next is XXXX/XXXX, account ending in XXXX, with a reported delinquency as of XX/XX/XXXX, yet both the balance and past due amounts are listed as {$0.00}. Then there is XXXX XXXX, account ending in XXXX, with a late payment dated XX/XX/XXXX, again showing no balance due. Additionally, XXXX, account ending in XXXX, shows a past due entry on XX/XX/XXXX, with a {$0.00} past due amount. Lastly, the XXXX/XXXX  account ending in XXXX reports a late payment from XX/XX/XXXX, despite the fact that both the balance and past due fields show {$0.00}. 

It is unacceptable for Equifax to continue reporting derogatory payment histories for accounts that are paid, current, closed, or showing no evidence of actual delinquency. I have not received any documentation from Equifax or the original creditors that substantiates these alleged late payments. The absence of verifiable creditor-issued recordssuch as billing statements, dated payment logs, or account historiesmakes these entries unverifiable under federal law.

Equifax is required by 15 U.S.C. 1681e ( b ) of the FCRA to report information with the maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, I have the right to dispute and have removed any item that can not be verified. These entries fail both standards. Reporting a late payment when there is no past due balance and the account is otherwise not delinquent is a misrepresentation of my payment behavior and undermines the integrity of my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I asked for the validation and contracts of the debt that they say I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am formally disputing inaccurate information being reported by Midland Credit Management on my credit file. The account ( original creditor : XXXX XXXX XXXX, balance : {$2100.00} ) is reporting inconsistent and factually impossible dates such as a last activity date of XX/XX/year>, even though the account was opened on XX/XX/year>. This false reporting is a violation of the Fair Credit Reporting Act ( FCRA ) and creates a misleading picture of my credit history. I have submitted a mailed dispute but have not received any correction. I am requesting immediate reinvestigation and deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I'm writing to formally demand the removal of an account from my credit report that is currently involved in pending litigation. This account is not only disputedits part of an active legal matter, and reporting it at this stage is both misleading and harmful. 

Until the legal process is resolved, this account can not and should not be considered valid or accurately reportable. Including it in my credit file while it's under litigation directly conflicts with the principles of fairness and accuracy laid out in the Fair Credit Reporting Act ( FCRA ). Reporting information thats actively being challenged in court is premature, irresponsible, and creates unjustified damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-07-01 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 XXXX 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 Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation