vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple accounts that are being reported inaccurately on my credit file. The following entries are of concern : XXXX BANK XXXX * * * * Balance : $ XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX * * * * * * * * Balance : {$3000.00} XXXX XXXXXXXX * Balance : {$0.00} XXXX XXXX  XXXX * * * Balance Owed : $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * Balance : {$450.00}

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 2025-09-09 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: GA

Complaint narrative:
I am a victim of XXXX XXXX. Someone has stolen my personal information and opened these fraudulent accounts. I've never gave anyone permission or authorization to open these accounts without my permission or consent. Account name : XXXX XXXX Account number : XXXX needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report reflects collection accounts that I believe are inaccurate. Under my rights provided by 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to a fully accurate report. I am requesting that these accounts be reviewed, and if they can not be properly verified, they must be deleted from my report.

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 2025-09-09 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 filing this complaint regarding multiple accounts that are being reported inaccurately on my credit file. The following entries are of concern : XXXX BANK XXXX * * * * Balance : $ XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX * * * * * * * * Balance : {$3000.00} XXXX XXXXXXXX * Balance : {$0.00} XXXX XXXX  XXXX * * * Balance Owed : $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * Balance : {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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 am filing this complaint regarding multiple accounts that are being reported inaccurately on my credit file. The following entries are of concern : XXXX BANK XXXX * * * * Balance : $ XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX * * * * * * * * Balance : {$3000.00} XXXX XXXXXXXX * Balance : {$0.00} XXXX XXXX  XXXX * * * Balance Owed : $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * Balance : {$450.00}

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 2025-09-09 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:
Theres hard inquiries made thats has no authorization from me and its wrong information in my reports please remove it And thats the inquiry The inquiries in question are : 1. XXXX ( Finance ) XX/XX/year> 2. XXXX ( Bank ) XX/XX/year> 3. XXXX ( Finance ) XX/XX/year> 4. XXXX ( Bank ) XX/XX/year> 5. XXXX XXXX  ( Bank ) XX/XX/year> 6. XXXX XXXX  ( Bank ) XX/XX/year> 7. XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> 8. XXXX  XXXX ( Bank ) XX/XX/year> 9. XXXX ( Finance ) XX/XX/year> 10. XXXX ( Bank ) XX/XX/year> 11. XXXX ( Finance ) XX/XX/year> 12. XXXX ( Bank ) XX/XX/year> 13. XXXX ( Bank ) XX/XX/year> 14. XXXX XXXX  ( Bank ) XX/XX/year> 15. XXXXXXXX XXXX XXXX ( Bank ) XX/XX/year> 16. XXXX ( Bank ) XX/XX/year> 17. XXXX ( Finance ) XX/XX/year> 18. XXXX ( Bank ) XX/XX/year> 19. XXXX ( Hotel and Travel ) XX/XX/year> 2025

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 2025-09-09 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:
I am a victim of identity theft connected to the Equifax data breach. Between XXXX and XXXX, several fraudulent accounts and unauthorized credit inquiries appeared on my credit reports with Equifax, Experian, and TransUnion. I did not authorize or open these accounts, nor did I apply for the listed inquiries. 

The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

In addition, multiple unauthorized hard inquiries from companies such as XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX Mortgage appeared on my reports without my permission. 

I submitted an FTC Identity Theft Report and dispute letters to all three credit bureaus under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), requesting that these fraudulent accounts and inquiries be blocked and removed. I am requesting that the credit bureaus comply with the law by permanently removing these items and correcting my credit reports.

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 2025-09-09 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:
I am a victim of identity theft connected to the Equifax data breach. Between XXXX and XXXX, several fraudulent accounts and unauthorized credit inquiries appeared on my credit reports with XXXX XXXX and TransUnion. I did not authorize or open these accounts, nor did I apply for the listed inquiries. 

The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

In addition, multiple unauthorized hard inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mortgage appeared on my reports without my permission. 

I submitted an FTC Identity Theft Report and dispute letters to all three credit bureaus under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), requesting that these fraudulent accounts and inquiries be blocked and removed. I am requesting that the credit bureaus comply with the law by permanently removing these items and correcting my credit reports.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had filed a dispute and filed the FTC report due the fact that I was XXXX  the year it was reported in a completely different state. Trans Union then proceeded to side with me delete the deletion as the company then filed to put it back on my credit, Trans Union refused to investigate and provide proof of the account and and stated that it was up to the company if they wanted to give proof of ownership to the account I have submitted my TC report as well as a copy of my sentencing with proof that I completed XXXX months of time served in the year of 2023 when it was reported

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 2025-09-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I was unable to link this card to my google wallet, the card where some type of number is was damaged but they were able to identify it by a second number, I was then asked the total amount on the gift card, I said {$200.00} I was told that was correct, the first person I spoke with said for me to screen shot the error I was getting so I did this, this was all I was told to do, they say conversations are recorded so shouldn't be a problem pulling it up, this was on XX/XX/year>, after waiting to hear from this company and also I sent a pic of the damaged gift card, several days later they asked for a receipt, I told them I didn't have a receipt that it was a gift from a friend, I told them I would ask my friend if he still had the receipt, I then phoned my friend to ask and she said no she did not have the receipt, This company is XXXX XXXX and its a visa egift card, the case number is CS # XXXX, the email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several collection accounts listed under my name. As someone who works hard to maintain financial stability and carefully monitors my obligations, it was unsettling to see my report display information that does not reflect the reality of my payment history. These collections, as they appear now, present an inaccurate and harmful picture of my credit profile. Because of this, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and request reinvestigation of these accounts. The following accounts and balances are reported : XXXX XXXXXXXX with a balance of XXXX XXXX ; XXXX XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX with a balance of XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX ; XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX A ) XXXX with a balance of XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX A ) XXXX with a balance of XXXX XXXX ; XXXX XXXX XXXXXXXX with a balance of XXXX XXXX ; and XXXX XXXX  XXXX with a balance of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed multiple times the issues on my report and they claim that they are valid yet no investigation or proof of an investigation has been done my information was exposed in a data breach and I have multiple hard inquiries that are not of my doing or consent

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding my account with XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/year>, which is currently reported as Current. However, my credit report reflects repeated late payment notations that I strongly dispute as inaccurate, misleading, and unfair. 
The following late payments are listed : XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late This pattern of late reporting is inconsistent with my records and does not reflect my actual payment history. Additionally, the repetition of alternating 30- and 60-day lates suggests possible reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding my account with XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/year>, which is currently reported as Current. However, my credit report reflects repeated late payment notations that I strongly dispute as inaccurate, misleading, and unfair. 
The following late payments are listed : XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late This pattern of late reporting is inconsistent with my records and does not reflect my actual payment history. Additionally, the repetition of alternating 30- and 60-day lates suggests possible reporting errors.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: IN

Complaint narrative:
Issue : Inaccurate and outdated credit reporting Company : Sparrow Rewards Mastercard Complaint Details : I am filing this complaint because Sparrow Rewards Mastercard is reporting outdated account information to the credit bureaus. The account is showing a reported balance of {$90.00} from my XX/XX/year> statement, instead of the most recent statement balance from XX/XX/year>. This means Sparrow is reporting over 30 days behind, which is inaccurate, misleading, and negatively affects my credit profile. 

I have attached screenshots from my credit monitoring application showing Sparrows delayed reporting. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide accurate and timely information to the credit bureaus. Sparrows failure to update my account promptly constitutes inaccurate reporting. 

Resolution I am seeking : Immediate correction of my Sparrow Rewards Mastercard account to reflect the most recent statement balance.

Assurance that Sparrow will report timely and accurate data going forward. 
Notification to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) of the corrected information. 

Supporting documents : Screenshot of the reported balance ( {$90.00} ) showing last updated 37 days ago. 
Screenshot of Sparrows credit card details confirming the outdated reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A repossession entry appears on my credit report that I believe is inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to a fully accurate credit report. I request a thorough investigation of this repossession record, and if it can not be validated, I ask that it be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified late payment entries on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, the information in my report must be accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-09-09 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:
While reviewing my credit report, I was alarmed to find multiple entries that do not accurately reflect my financial history. As someone who meticulously monitors accounts, pays bills on time, and keeps careful records, I take these discrepancies very seriously. These inaccuracies are affecting my creditworthiness and are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., which guarantees consumers the right to accurate reporting and the ability to dispute information that is incomplete, inaccurate, or unverifiable. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX. XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
While reviewing my credit report, I was alarmed to find multiple entries that do not accurately reflect my financial history. As someone who meticulously monitors accounts, pays bills on time, and keeps careful records, I take these discrepancies very seriously. These inaccuracies are affecting my creditworthiness and are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., which guarantees consumers the right to accurate reporting and the ability to dispute information that is incomplete, inaccurate, or unverifiable. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX. XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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