vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: AK

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXXXXXX XXXX, XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AK

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXXXXXX XXXX, XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-25 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-25 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'Dear CFPB,\n\nI am writing to formally submit a complaint regarding inaccurate personal information on my Experian credit report. I have tried to resolve these inaccuracies directly with Experian, but I am seeking assistance from your office as the information remains incorrect and could impact my financial standing.\n\nDetails of the Inaccuracy:  \n\nCredit Reporting Agency: Experian\nPersonal Information Inaccurate: My name and address.\nCorrect Information:   \n\nIncorrect Name: XXXXXXXX XXXXCorrect Name: XXXX XXXX XXXXIncorrect Address: XXXX XXXX XXXX XXXX SC XXXXIncorrect Address: XXXX XXXX XXXX XXXX  SC XXXXXXXXIncorrect Address: XXXX XXXX XXXX XXXX SC XXXXIncorrect Phone Number: XXXX XXXX XXXXIncorrect Phone Number: XXXXCorrect Address: XXXX XXXX XXXX XXXX XXXX  TX XXXXCorrect Phone Number: XXXXI have contacted Experian regarding this matter and submitted a dispute; however, the inaccuracies persist. I request that you take appropriate action to investigate this complaint and assist in correcting the information on my credit report.\n\nEnclosed is my credit report highlighting the inaccuracies and identification documents verifying my correct information.\n\nThank you for your assistance in addressing this important matter. I look forward to your prompt response.'

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 2025-11-25 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 filing this complaint against regarding multiple inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My report lists incorrect addresses ( XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX, XXXX, LA XXXX ), late payments and closed accounts with XXXX balances ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), charge-offs with incorrect balances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} ), collections past the 7-year limit or unverified ( XXXX XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX / XXXX XXXX  {$1200.00}, XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ) , and repossessions with inaccurate balances ( XXXX XXXX XXXX XXXX  {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ). Additionally, my report includes unauthorized hard inquiries ( XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ). These errors misrepresent my credit history, cause financial harm, and violate FCRA 605, 607, 609, 611, 623 and FDCPA 807, 808, 809.

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 2025-11-25 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$900.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: KS

Complaint narrative:
I have been disputing all four of my XXXX XXXX accounts for over a year, and Experian has ignored and refused to reinvestigate the illegal information that XXXX XXXX is reporting.

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 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX account ending in XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX, and with the last payment recorded on XX/XX/XXXX, which is currently reported as XXXX  days past due. Upon review of my records, it is clear that this account has been misreported. I maintained regular communication with XXXX and adhered to the original loan terms. The reporting of a XXXX delinquency for this account is inconsistent with my verified payment history, and no documentation exists to substantiate the alleged delinquencies. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to implement reasonable procedures to ensure the maximum possible accuracy of all reported information. The failure to report accurate balances, payment history, and account status violates this requirement. I am requesting a thorough reinvestigation of this account, including verification of the reported XXXX late status directly with XXXX. If the reported delinquency can not be verified, it must be corrected or updated to reflect the accurate account history. 
Furthermore, I dispute the reporting of a second XXXX account ending in XXXX with a balance of {$1300.00}, also showing a last payment date of XX/XX/XXXX, and likewise reported as XXXX  days past due. This account appears to be either a duplicate reporting or an inaccurately recorded entry. Reporting XXXX separate accounts with different balances but identical identifying information and delinquency status creates confusion and materially misrepresents my credit profile. Under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a reinvestigation of any disputed information that is incomplete, inaccurate, or unverifiable. I request that your bureau confirm the authenticity of this entry with XXXX verify the correct balance, payment history, and delinquency status, and promptly update my credit report to accurately reflect the true condition of this account. 
The incorrect reporting of these accounts has caused significant disruption to my credit profile, potentially influencing lenders decisions, interest rates, and overall financial standing. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, is inaccurate.

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 2025-11-25 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 submitting this letter as my fifth formal request for Equifax, Experian and TransUnion to correct multiple inaccuracies appearing on my credit report, specifically regarding charge-off accounts. Despite several prior dispute attempts, these accounts remain inaccurately reported, and I am requesting a thorough reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These discrepancies misrepresent my payment history and create a misleading impression of my creditworthiness, which makes a detailed and careful review essential. 
XXXX XXXX Balance XXXX, XXXX XXXX XXXX Balance XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX, Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 submitting this letter as my fifth formal request for Equifax, Experian and TransUnion to correct multiple inaccuracies appearing on my credit report, specifically regarding charge-off accounts. Despite several prior dispute attempts, these accounts remain inaccurately reported, and I am requesting a thorough reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These discrepancies misrepresent my payment history and create a misleading impression of my creditworthiness, which makes a detailed and careful review essential. 
XXXX XXXX Balance XXXX, XXXX XXXX XXXX Balance XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX, Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX and 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: NC

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and misleading credit reporting by Sparrow relating to a credit card account appearing on my consumer credit file under my name, XXXX XXXX XXXX. The account is being reported as OPEN and delinquent, although the account is currently inactive, suspended, and not operational as an open revolving credit line. Reporting the account as OPEN when it is unusable is misleading and does not meet the Fair Credit Reporting Acts requirement for maximum possible accuracy.

This appears to violate multiple FCRA provisions, including : FCRA 1681e ( b ) Duty to assure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) Duty to correct and update inaccurate or incomplete information FCRA 611 ( a ) Duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) Requirement to delete unverifiable information FCRA 623 ( a ) ( 3 ) Duty to report an account as disputed On XX/XX/year>, I sent Sparrow a written request asking for : Verification supporting the current reporting status Written settlement terms Written communication only A pay-for-delete resolution and complete closure of the account Rather than addressing the request, Sparrow repeatedly sent generic replies instructing me to call customer service and refused to provide written documentation or answers. Written communication is necessary for compliance, transparency, and legal record. 

Sparrow also informed me in writing that they do not offer settlements. However, shortly afterward, Sparrow sent a marketing email offering settlement options, directly contradicting their previous representation. This contradiction raises concerns regarding transparency and may constitute a misleading or deceptive practice under : FDCPA 807 ( 2 ) ( A ) UDAP unfair or deceptive acts and practices standards This inaccurate reporting is causing demonstrable harm, as I am actively in the process of applying for a mortgage and this inaccurate tradeline is suppressing my credit score and affecting underwriting evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/year> - Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: OK

Complaint narrative:
Skrill. I added XXXX $ to Skrill and now Skrill is declining my transactions. FOR NO REASON. No fraud. No explanation. No 24/7 hotline because its XXXX in the morning and I need my money!! XXXX Skrill. Busted my XXXX all day just to get XXXX once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
I am submitting this follow-up regarding my previous complaint concerning multiple accounts on my credit file that contain inaccurate, incomplete, or unverifiable information, which materially misrepresent my creditworthiness. Specifically, * * XXXX  XXXX XXXX  XXXX XXXX * * and * * XXXX  XXXX XXXX, XXXX. XXXX * * are reported as late closed accounts with a XXXX balance, yet my verified statements show these accounts were maintained in good standing with no late payments ; I am requesting verification of the final account status, payment history, and all dates of activity directly from the original creditors to ensure accurate reporting. Additionally, * * XXXX  XXXX * * is reported as a charge-off account with a XXXX balance, though my records indicate it may have been resolved or satisfied ; verification of the charge-off date, final balance, and any late payments from the original creditor is requested to correct any inconsistencies. Finally, * * XXXX XXXX * * is reported as a collection account with a balance of {$2200.00}, which may not accurately reflect the amount owed, dates of delinquency, or original creditor reporting ;

Company response to consumer: Closed with non-monetary relief