vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX  BANK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Inquiries [ No inquiries listed for Equifax ] Late Payments XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries [ No inquiries listed for Equifax ] Late Payments XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PASCO, Inc
State: MI

Complaint narrative:
Representative " XXXX '' called me, a third party family member, and tried to collect the outstanding debt from me. He used information available online, information that associates me with the family member such as my approximate age and address, etc trying to get me to accept that the debt was mine. When i asked him to give me further details for identification he would not. He claimed he had already given me too much information, which is true in my estimation because he knew it wasn't my debt. 

I told XXXX this was an attempt to collect a debt and told him to not call me number again. He said he could not stop calling because I owed the debt, which i do not. Then XXXX, I doubt it is real name, threatened to continue calling me until i paid the debt. I asked him again to not call me again and informed him that i was going to file this complaint. 

XXXX was engaging in unfair practices because he clearly knew i was not the debtor, however, continued fishing for information and wanting me to pay the debt of the related third party. 

Compay name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Debtor is XXXX XXXX XXXX and the amount is {$65.00}. I know this because they sent me a letter, without a date. XXXX XXXX is XXXX XXXX. Phone number XXXX. 

The very aggregious part of the this is the use of search information that associates myself with my son. i will also note that this agency has contacted other relatives to collect the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with EQUIFAX. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed.

1. Incorrect Employers : My current and correct employer is : XXXX XXXX XXXX The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin 2014-01 Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
Received mail/ we've opened your new account. Please review your info to make sure it's correct. I called and they closed the account and started a fraud investigation. This was opened XX/XX/XXXX same day as my last complaint with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an XXXX XXXX is being used to verify my disputes and that is not a reliable source for verification! I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent accounts from my consumer report without delay!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an XXXX XXXX is being used to verify my disputes and that is not a reliable source for verification! I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent accounts from my consumer report without delay!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Upstart XXXX XXXX XXXX related to a closed personal loan account. 

Upstart reports that this account was purchased by another lender and reflects severe late payment history ( including 90119 days late ), while also reporting a {$0.00} balance and a paid profit and loss status. 

The debt was assigned to a third party who pursued legal action against me. That lawsuit was dismissed and the case was closed, with no judgment entered against me. The assignee failed to establish enforceability of the debt in court. 

Despite this, Upstart continues to report adverse payment history without clarifying ownership, legal status, or its authority to report derogatory information following assignment and failed enforcement. 

This reporting is misleading and incomplete under the Fair Credit Reporting Act. If Upstart no longer owned the account after assignment, it must substantiate that it legally owned the debt during each reported delinquency. If it did not, the continued reporting of late payments is inaccurate. Additionally, the tradeline does not reflect the material fact that the assignees collection action was dismissed. 

I am requesting that Upstart either provide full verification of ownership and accuracy for all reported late payments post-assignment, or correct or delete the tradeline to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 account does not pertain to my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED FRADULENT ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Inquiries [ No inquiries listed for Experian ] Late Payments XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX in the morning I started to receive a frenzy of notifications on my phone from many of my credit card banking institutions of fraudulent transactions attempts. I have Bank of America, XXXX, XXXX, and XXXX. With exception to Bank of America, all of the other banks immediately recognized the fraud and reissued the cards. Bank of America also flagged the transactions as fraud but required me to call in to verify. I called in and was on hold waiting to speak with someone for XXXX mins. Since it was very late I figured no one was going to answer and decided to hang up and call back in the morning. When I called back in the morning the transaction was already allowed to go through and despite it being initially flagged for fraud, I still submitted a claim. The item was a XXXX transaction in the amount of {$500.00} labeled XXXX XXXXXXXX XXXX XXXX XXXX FL. There were other transactions as well that the agent could see over the phone that got declined but they never showed up on my end. I also have a debit card with BofA which I had locked. A few week or so later I start to see multiple transaction attempts made simultaneously. All of these transactions were denied. I called BofA to get a new debit card and resubmit my fruad claim request for my credit card. I never needed to make a fraud claim on my debit card since those transactions were all stopped. I had a temp credit applied to my credit account for {$500.00}. On XX/XX/XXXX to my shock my claim was denied. I was advised to submit a police report from a BofA claims specialist. I've had credit card fraud issues in the past but it never required doing all of this work for a claim. I met with the officer at the hotel I was staying at and gave him all of the information. The case number is XXXX. The BofA Claim number is XXXX. That reports are attached here. On XX/XX/XXXX when I got the police report in hand I faxed it to BofA and resubmitted the claim. The claim was denied again. I never received a reason why either. In their denial letter they said I can call and get the methods of verification, I requested that and I never received anything. My claim was denied a total of 3 times. I kept calling in but at this point I have gotten a horrible experience with no resolution for fraud that was perpetrated against me. The bank has since reversed the {$500.00} credit on my account and made me responsible.

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