vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
There are numerous accounts on my credit report that do not belong to me. I have been a victim of identity theft. 
Please see details below. 
XXXX XXXX XXXX XXXXXXXX XXXX {$190.00} XXXX  XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX XXXX {$5400.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-19 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: IL

Complaint narrative:
There are numerous accounts on my credit report that do not belong to me. I have been a victim of identity theft. 
Please see details below. 
XXXX XXXX XXXX XXXX XXXXXXXX {$190.00} XXXX  XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX  {$190.00} XXXX  XXXX XXXX {$5400.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$470.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the XXXX XXXX  credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). These errors include charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$230.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$560.00} XXXX  XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$240.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$410.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$370.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$460.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I kindly ask that you review these accounts, which were not opened or approved by me. They seem fraudulent, and I have provided documentation 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 2025-11-19 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-19 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 formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE ROUND 2 MANDATORY IDENTITY-THEFT BLOCK 4-DAY FEDERAL DEADLINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX : XXXX | DOB : XXXX  Date : [ Insert Date ] Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This is my Round XXXX dispute and formal notice that Equifax is now in violation of federal law. 
I submitted my government-issued ID, Social Security documentation, my FTC Identity Theft Report # XXXX, and my original wet-ink signature, yet Equifax refused to process my dispute and instead sent me an invalid postcard claiming you could not process the request even though I provided every document required under federal law. 
This is OUTRAGEOUS, deceptive, and unlawful. 
Under 15 U.S.C. 1681c-2 ( FTC Identity Theft Blocking Law ), once a consumer submits an FTC Identity Theft Report : EQUIFAX HAS ONLY 4 BUSINESS DAYS TO BLOCK AND DELETE THE ACCOUNTS. 
You ignored this requirement. You also provided no proof, no contracts, no validation, and no medical authorizations. You continued publishing medical collection accounts that Equifax has no legal right to report. 
LEGAL VIOLATIONS : FTC Identity Theft Law 15 U.S.C. 1681c-2 FCRA 611 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) FCRA 1681i ( a ) ( 7 ) Method of Verification violation FDCPA 1692g Failure to validate FDCPA 1692cc Illegal continuation of disputed medical debt FCRA 1681e ( b ) Failure to maintain maximum accuracy ACCOUNTS THAT MUST BE DELETED : XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Amount : {$1100.00} ( Medical ) XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX Amount : {$830.00} ( Medical ) MANDATORY DEMANDS : 1. Delete both medical accounts immediately ( FTC 1681c-2 4-day rule ) 2. Provide written confirmation of deletion 3. Provide Method of Verification per 1681i ( 7 ) 4. Provide any signed contract if none exists, permanently delete Failure to comply will result in CFPB, FTC, AG complaints, and lawsuit under FCRA 1681n and 1681o. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report, as provided by the credit bureaus. Below are the accounts that I believe are inaccurate and should be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries : XXXX  Date : XX/XX/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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re-investigation complaint. I do not agree with the action regarding the account listed below. 
Account # XXXX XXXX XXXX investigation on my first dispute by Equifax, TransUnion and Experion.i would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit report rating. Furthermore in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611 Subsection A-D please provide names and business addresses of each individual with how you verified the above. Please forward updated credit report. Your cooperation and prompt attention is greatly appreciated.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re-investigation complaint. I do not agree with the action regarding the account listed below. 
Account # XXXX XXXX XXXX investigation on my first dispute by Equifax, TransUnion and Experion.i would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit report rating. Furthermore in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611 Subsection A-D please provide names and business addresses of each individual with how you verified the above. Please forward updated credit report. Your cooperation and prompt attention is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have encountered with someone using our bank account for unauthorized payments. 
The different type of transactions occurred multiple times. All of them were reported to Bank of America and police report was filed with XXXX XXXX  Department ( case # XXXX - Detective XXXX ). 
On XX/XX/year> - online withdrawal for amount of {$4600.00} ( XXXX XXXXXXXX XXXX XXXX XXXX  ) On XX/XX/year> - online withdrawal for amount of {$290.00} ( XXXX XXXX XXXX XXXX XXXXXXXX ) On XX/XX/year> - check # XXXX for the amount of {$18000.00} ( 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 monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Back in XXXX of 2025 I was looking to downgrade my Amex XXXX for a non-annual fee card so I called Amex and I spoke with a representative. The representative was able to down grade my AMEX XXXX  for AMEX green so that was completed. Then the representative tried to sell me on another product or another credit card. The Amex gold I specifically asked the representative. Would I be eligible for the AMEX gold bonus, if I already had the bonus for the XXXX  which he said yes you can still get the bonus if you get the AMEX gold I specifically asked him twice the same question in which he replied yes, you are still eligible about the end of XX/XX/year> I called AMEX to see if I was on track to meeting the spend to receive the bonus at that time the representative who I spoke with on the phone said I was not eligible for the card as I had already received a bonus for the XXXX. I didnt explain to her that upon signing up for the XXXX gold. The representative I spoke with said I was eligible to receive the bonus if I met the spend requirement. She insisted that I was not eligible and that she would forward my concern to their investigation department. On XX/XX/year> a representative from the AMEX investigation department contact me in regards to the investigation, and she concluded that I was not eligible to receive the AMEX promotional bonus and since I had already received the card, I should have read the terms and conditions however, the representative that I spoke to before when signing up to the card, a specifically asked this question of the promotion twice, and I didnt know the terms and conditions at that specific time as he was selling me the product so in conclusion, this appears to be very predatorial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OR

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-19 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 writing to file a dispute regarding multiple accounts reported inaccurately by the credit bureaus. Below is a list of the accounts in question, separated by each bureau : EX - Experian XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$760.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00}

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I was recently contacted regarding a debt allegedly owed to FINBE USA. I do not have sufficient information to confirm that this debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief