vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am disputing inaccurate, unverifiable, and incomplete information TransUnion is reporting on my consumer credit file. Under the Fair Credit Reporting Act, TransUnion is legally obligated to ensure maximum possible accuracy. 

Charged-Off Account Dispute XXXX XXXX  XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$2600.00} ) This account is being reported as charged off without proper verification. I dispute the accuracy, balance, and reporting status of this account. TransUnion must delete this tradeline if it can not be fully validated. 

Unauthorized / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment Disputes XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # 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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2025, I obtained a credit report and noticed all the discrepancies in my file. XXXX of them was with Credit Corp Solutions Inc . I had asked for validation of debt ( actual contract ), the chain of titles from the original creditor demonstrating their legal ownership with all assignment agreements as well of all bills of sales. And lastly, I also ask for a detailed accounting of how the balance of {$17.00} was calculated, including all principal, interest, and fees itemized from XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
An unauthorized credit freeze was placed on my Equifax credit report without my knowledge or consent. I am unable to even say when the freeze was placed. I was never notified by Equifax and only learned about the freeze after being informed by a car dealership when attempting to make a purchase months ago. On XX/XX/year> When I contacted Equifax, they stated they could not verify my identity. I have provided all requested personal information and have repeatedly expressed my willingness to submit documentation to verify my identity through secure electronic means. I have called Equifax multiple times about this issue. Equifax refuses to offer any digital or online verification option and insists that I send highly sensitive personal documents through physical mail. 

I do not believe it is reasonable or safe to require mailing sensitive identity documents, particularly when the freeze was not placed by me and when secure digital verification methods are widely available. 

As a result, I have been unable to access my credit report or make purchases for several months. This has caused significant financial hardship, including difficulty affording basic transportation such as XXXX, and has caused ongoing stress and disruption to my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
It started off with XXXX XXXX. MIDLAND CREDIT BOUGHT IT AND THREATEN ME BUT WIULDNOT PROVE THEY OWN IT.. IN ACCURATE INFO ALL THE WAY AROUND .. its very old and you can not bully people at all unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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 complaint to formally dispute inaccurate, incomplete, and unverified information being reported on my Experian credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), Experian continues to report accounts and inquiries that have not been properly validated. 

Charged-Off / Collection Accounts in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized / Unverified Inquiries ( Experian ) XXXX XXXX XXXX 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

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 2025-12-28 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 disputing inaccurate and unverified information on my Equifax credit report. Equifax has failed to ensure maximum possible accuracy as required by the Fair Credit Reporting Act. 

Charged-Off / Collection Accounts in Dispute ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized / Unverified Inquiries ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
I am disputing multiple unauthorized inquiries appearing on my TransUnion credit report. TransUnion is reporting inquiries that lack proper authorization and permissible purpose, in violation of the Fair Credit Reporting Act. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall authorizing these inquiries and no proof of permissible purpose has been provided. If TransUnion can not produce documentation showing lawful authorization, these inquiries must be removed immediately. Continued reporting of unauthorized inquiries is causing ongoing harm to 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 non-monetary relief
Consumer complaint received 2025-12-28 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: MS

Complaint narrative:
I am filing this complaint to dispute the inaccurate, misleading, and improperly reported information on my credit report with Equifax, XXXX, and XXXX. Despite previous disputes and attempts to resolve these inaccuracies, the bureaus have failed to fully investigate and remove the erroneous entries. As such, I am requesting immediate removal and correction based on the Fair Credit Reporting Act ( FCRA ) requirements for maximum possible accuracy and timely resolution. 

Charged Off Accounts XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX SAFCO Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payment XXXX Account No : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that Experian is reporting on my consumer credit file. I have reviewed my Experian credit report and identified several accounts, inquiries, and late payment notations that I do not recognize, did not authorize, or that are being reported inaccurately. 

Charged-Off Accounts The following charged-off accounts are being reported with balances and statuses that I believe are inaccurate and not properly verified. These accounts are outdated, lack complete payment history, and may not reflect true consumer liability : XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account ending XXXX I am requesting that Experian conduct a full reinvestigation and require the furnishers to provide proper documentation proving the accuracy, ownership, and reporting authority of these accounts. 

Unauthorized / Unrecognized Inquiries The following inquiries appear on my Experian report without my authorization or permissible purpose under the FCRA : SBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting immediate removal of these inquiries unless Experian can provide written proof of my authorization. 

Late Payment Reporting The following accounts are reporting late payments that I dispute as inaccurate and misleading. These entries are incomplete and do not reflect a consistent or verifiable payment history : XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account ending 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 2025-12-28 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 disputing several inaccurate and unverified items that TransUnion is reporting on my consumer credit report. These entries are incomplete, inconsistent, and fail to meet the accuracy standards required under federal law. 

Charged-Off / Collection Accounts in Dispute XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX  Acct # XXXX ( Opened XX/XX/XXXX, Balance {$2100.00} ) XXXX XXXX  Acct # XXXX ( Opened XX/XX/XXXX, Balance {$1800.00} ) XXXX XXXX  Acct # XXXX ( Opened XX/XX/XXXX, Balance {$1700.00} ) XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$2500.00} ) XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment Reporting in Dispute XXXX XXXX Acct # XXXX XXXX  Acct # 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 2025-12-28 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: SC

Complaint narrative:
I am formally disputing the following entries on my Experian credit report. These items are either unauthorized or inaccurately reported. My written dispute letter and supporting documentation are attached and must be reviewed as part of a complete investigation. 

Unauthorized / Unverified Inquiries EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX I did not authorize these inquiries and was never provided documentation showing a permissible purpose. If Experian can not fully verify authorization, these inquiries must be removed immediately. 

Inaccurate Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover has re-assigned a debt to XXXX XXXX after it was recently closed and returned by XXXX. Why? This account is not mine. Why? ID stolen, bank accounts hacked, and someone impersonating me with phone number ending in XXXX. Comprehensive evidence was provided to Discover and XXXX. The account was CLOSED and properly returned to Discover. I am now filing the same complaint against XXXX XXXX for attempting to pursue this illegal debt. Any more attempts to collect on this account will result in additional escalations due to the on-going harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MT

Complaint narrative:
I am submitting this complaint as a consumer who is attempting to correct inaccurate, incomplete, and unverifiable information appearing on my Experian credit report. I have reviewed my credit file and identified accounts that are being reported in a manner that does not appear to comply with the Fair Credit Reporting Act ( FCRA ). These items are negatively affecting my creditworthiness and require a full investigation. 

Charged-Off Account in Dispute XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00} This account is being reported as charged off. I dispute the accuracy, completeness, and verification of this account. I am requesting Experian to verify this account directly with the furnisher and provide proper documentation supporting its reporting. If this account can not be fully verified, it must be deleted from my credit report. 

Late Payment in Dispute XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment information reported on this account is disputed. I do not agree with the reported payment history, and I am requesting a full investigation. If Experian can not verify the accuracy of this late payment, it must be removed.

Attachments Submitted : Copy of government-issued photo ID Proof of current address Supporting documents related to the disputed 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 2025-12-28 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 disputing the following items on my TransUnion credit report as they are inaccurate, incomplete, and/or unverifiable. TransUnion is required under the Fair Credit Reporting Act to conduct a reasonable investigation and ensure the accuracy of all reported data. 

Charged-Off Account XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$170.00} I dispute the reporting of this charged-off account. Please provide proper verification including proof of debt ownership, original creditor documentation, and complete payment history. If this can not be verified, the account must be deleted. 

Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. If TransUnion can not provide evidence of a permissible purpose, these inquiries must be removed. 

Late Payment XXXX Account Number : XXXX The late payment reporting is disputed as inaccurate. Please validate this information or remove it from my credit file. 

Previous Addresses ( TransUnion ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY 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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Contacted UPGRADE on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. UPGRADE sold a debt to collection company that was identity theft in XXXX. ( Police report, FTC complaints were filed ) UPGRADE still reporting late payments after selling account and acknowledging UPGRADE has no longed as ownership. New owner is also reporting account as collection. This creates double jeopardy for same account listed twice on credit reports. Been contacting UPGRADE and requesting a XXXX for the amount of debt they claim was written off as bad debt. Need to fille an update IRS form XXXX with exact amount. Never received form. Needing UPGRADE to remove inaccurate account information. Under penalty of perjury all statements are correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that continues to be reported on my consumer credit reports. I have reviewed my credit files and identified multiple accounts and data points that do not meet the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i. 

Charged-Off Accounts The following accounts show date inconsistencies, varying balances, and mismatched account information across bureaus, raising serious accuracy concerns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that continues to be reported on my consumer credit reports. I have reviewed my credit files and identified multiple accounts and data points that do not meet the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i.

Charged-Off Accounts The following charged-off accounts are being reported with inaccurate balances, inconsistent account details, and/or without proper verification. Some accounts show conflicting dates, inflated balances, or lack documentation proving legal responsibility : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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