vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Please comply with 15 U.S. Code 1681g by removing the disputed accounts within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate, Impossible, and Unverifiable Account Information Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Sold : is - Blank Violation of FCRA \S 605 ( a ) ( 2 ) and \S 611 ( Completeness ). The field is blank. I demand clear documentation proving this debt was legally assigned or sold to XXXX XXXX XXXX, as is required for a complete and verifiable report Balance Updated XX/XX/year> Violation of FCRA \S 605 ( a ) ( 2 ) and \S 623 ( a ) ( 1 ) ( Accuracy and Completeness ). Reporting the balance as updated on a future date ( XX/XX/year> ) is another impossible and inaccurate fact that makes the entire tradeline misleading.

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 2025-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate, Impossible, and Unverifiable Account Information Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Sold : is - Blank Violation of FCRA \S 605 ( a ) ( 2 ) and \S 611 ( Completeness ). The field is blank. I demand clear documentation proving this debt was legally assigned or sold to XXXX XXXX XXXX, as is required for a complete and verifiable report Balance Updated XX/XX/year> Violation of FCRA \S 605 ( a ) ( 2 ) and \S 623 ( a ) ( 1 ) ( Accuracy and Completeness ). Reporting the balance as updated on a future date ( XX/XX/year> ) is another impossible and inaccurate fact that makes the entire tradeline misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I do not agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies atr highly injurious to my credit rating.

Futhermore, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified above, so that i may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Account number : XXXX Account name : 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 2025-10-13 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: TrueAccord Corp.
State: AR

Complaint narrative:
I've never lived at the address/service address that is attached to my social security number and birthday. In fact XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. DOES NOT EXIST. I've requested on serveal occasions for the Original creditor to verify this account. I'm requesting this account to be removed from my credit report immediately due to the fact its inaccurate and by law it must be removed. I DO NOT OWE THIS ALLEGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
This company can not verify my debt and is not mine. Under the fcra they are violating my rights. This account needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-13 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 am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry, nor did I initiate any application for credit with the listed company. Therefore, I believe this inquiry is fraudulent and must be removed. 
As outlined in the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted on my credit file. Since I never gave authorization for this company to access my credit, I am formally requesting : Immediate removal of the unauthorized inquiry from my credit report.

A full investigation into this matter. 

Written confirmation of the results of your investigation.

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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I disputed accounts reported by XXXXContinental Finance . The company did not provide any supporting documentation, contract, or proper validation. The accounts were updated but not verified with proof. This violates FCRA 611 ( a ) ( 7 ) and 623. I am requesting full reinvestigation or deletion of these unverifiable tradelines.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to follow up my dispute last XX/XX/XXXX with regards to the inaccurate and misleading information reported on my credit file in violation of FCRA section 607b, 611, 623a1A, 605c, and 605b. Several accounts and inquiries are reported inconsistently or without proper validation. The disputed items are XXXX XXXX XXXX XXXX XXXXXXXX {$590.00} XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX {$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$580.00} XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$300.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$250.00} XXXX Original creditor : XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

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 2025-10-13 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: TX

Complaint narrative:
I am writing to formally dispute multiple items on my credit report that are inaccurate, incomplete, unverified, outdated, or duplicated. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681c-2, you are required to investigate disputed information and remove any unverifiable, inaccurate, or duplicate items. Continued reporting of these items without verification constitutes a violation of FCRA 623 ( a ) ( 3 ) and exposes your bureau to liability for willful noncompliance under 1681n. 
1. Hard Inquiries Unauthorized or Unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unverified and may lack permissible purpose under 15 U.S.C. 1681b. I demand proof of my authorization. If verification can not be provided, these inquiries must be permanently deleted. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX CONNS {$1600.00} Collection account unverified ABSOLUTE RESOLUTIONS INVESTMENTS / BMG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} Duplicate collection account unverified and improperly reported twice XXXX XXXX XXXX/ XXXX XXXX XXXX # C/O XXXX XXXX XXXX XXXX {$690.00} Unverified, outdated, >placed for XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Resurgent XXXX XXXX XXXX XXXX {$820.00} Unverified, outdated, >placed for collectionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} Unverified collection account, reporting errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N/A {$400.00} Charge-off, potentially inaccurate dates and high balance reporting I demand full verification of each account, including : Signed original contract or account agreement. 

Itemized accounting of all charges, fees, and payments. 

Proof of assignment if the account was sold. 

Verification of dates, balances, and account status. 

Additionally, the AXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are duplicates. Reporting the same debt twice is inaccurate and misleading under FCRA 609 ( a ) ( 1 ). I demand permanent deletion of the duplicate account.

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 2025-10-13 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: TX

Complaint narrative:
I am writing to formally dispute multiple items on my credit report that are inaccurate, incomplete, unverified, outdated, or duplicated. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681c-2, you are required to investigate disputed information and remove any unverifiable, inaccurate, or duplicate items. Continued reporting of these items without verification constitutes a violation of FCRA 623 ( a ) ( 3 ) and exposes your bureau to liability for willful noncompliance under 1681n. 
1. Hard Inquiries Unauthorized or Unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unverified and may lack permissible purpose under 15 U.S.C. 1681b. I demand proof of my authorization. If verification can not be provided, these inquiries must be permanently deleted. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX CONNS {$1600.00} Collection account unverified ABSOLUTE RESOLUTIONS INVESTMENTS / BMG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} Duplicate collection account unverified and improperly reported twice XXXX XXXX XXXX/ XXXX XXXX XXXX # C/O XXXX XXXX XXXX XXXX {$690.00} Unverified, outdated, >placed for XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Resurgent XXXX XXXX XXXX XXXX {$820.00} Unverified, outdated, >placed for collectionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} Unverified collection account, reporting errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N/A {$400.00} Charge-off, potentially inaccurate dates and high balance reporting I demand full verification of each account, including : Signed original contract or account agreement. 

Itemized accounting of all charges, fees, and payments. 

Proof of assignment if the account was sold. 

Verification of dates, balances, and account status. 

Additionally, the AXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are duplicates. Reporting the same debt twice is inaccurate and misleading under FCRA 609 ( a ) ( 1 ). I demand permanent deletion of the duplicate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was XXXX, belittled, and downright disrespected by an agent. I can't remember her name, but the conversation quickly turned into an argument. I didn't have time for the back and forth, so I ended the call and blocked that number. Of course, their efforts didn't go unmatched ; I was called from other numbers, so I blocked those numbers as well. This agent didn't care about what I was going through in my life ( I was between jobs and my income had decreased ), all she cared about was getting this debt paid off so they could be paid the commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
DEFICIENT FCRA 611 INVESTIGATIONS : Evidence of Systematic Investigation Failures : Critical Investigation Failures : Your investigations were fundamentally deficient because you " verified '' information that violates basic FCRA requirements : Impossible 12-year timeline between account opening and first delinquency Obsolete information exceeding 7-year FCRA limits by over 5 years Account re-aging that no reasonable investigation could verify as accurate This demonstrates systematic investigation procedures that fail to identify obvious FCRA violations, warranting CFPB enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I did 2 customer surveys involving my credit card and was told Id receive a {$10.00} credit and a {$20.00} credit from Citi to my statement which I did not receive. I had 2 interactions with customer service and at the end of each I was asked my opinion on XX/XX/25 then was told Id receive the credits for my trouble. 
When I called customer service today they told me there are no notes on my account and no proof of those credits then they said they had no email address for me to forward their own emails for the proof. 
I did their surveys after customer service calls and was promised the credits so I want the credits to my account.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> at XXXX the irs Sent a refund for XXXX I didn't see It in my XXXX account into XXXX after They froze it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NC

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 2025-10-13 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: NC

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 response to consumer: Closed with non-monetary relief