vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts and requesting investigation of discrepancies on my credit report. These accounts are inaccurate or incomplete in violation of the Fair Credit Reporting Act ( FCRA ). The above details outline the relevant charged-off accounts, inquiries, and late payments for each credit bureau XXXX Equifax, XXXX, and XXXX  ) that need to be addressed. I kindly request your prompt attention to these matters. 


Charged Off Accounts XXXX  : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  LOAN : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  LOAN : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Late Payments XXXX  XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are addresses that I never been associated with on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: ID Analytics, Inc.
State: SC

Complaint narrative:
This CRA is reporting fraudulent data on their version of my consumer report. XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts. See the attached police reports and ID theft affidavits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed 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 2025-11-12 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 dispute to the Consumer Financial Protection Bureau regarding several inaccuracies on my credit reports across the XXXX major credit bureaus : Experian ( XXXX ), These accounts are being disputed based on inaccuracies related to charged-off accounts, inquiries, positive accounts, and late payments. Below are the details for each bureau. 

Charged-Off Accounts : XXXX CARD, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} Inquiries : XXXX OF XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX CARD, Date : XX/XX/XXXX XXXX CARD, Date : XX/XX/XXXX XXXX CARD, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX CARD SERVICE, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX CREDIT U, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I filed XXXXXXXX XXXX XXXX ( Case # XXXX, XXXXXXXX XXXX ) on XX/XX/year>, and it was discharged. Experian continues to report accounts as charged-off or past-due instead of {$0.00} balance included in bankruptcy. I already disputed, but they marked it duplicate even though I attached new discharge proof. This violates FCRA 1681i and Bankruptcy Code 524 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I filed XXXXXXXX XXXX XXXX ( Case # XXXX, XXXXXXXX XXXX ) on XX/XX/year>, and it was discharged. Experian continues to report accounts as charged-off or past-due instead of {$0.00} balance included in bankruptcy. I already disputed, but they marked it duplicate even though I attached new discharge proof. This violates FCRA 1681i and Bankruptcy Code 524 ( a ).

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 2025-11-12 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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 2025-11-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX  and XXXX  are governed by XXXX XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
I am submitting a dispute regarding the accounts listed below, which I believe contain inaccuracies in the reporting of my credit history. Please investigate these matters and correct the inaccuracies. 

Charged Off Accounts XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX  XXXX : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX CARD Date XXXX XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX BANK Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts and requesting investigation of discrepancies on my credit report. These accounts are inaccurate or incomplete in violation of the Fair Credit Reporting Act ( FCRA ). The above details outline the relevant charged-off accounts, inquiries, and late payments for each credit bureau XXXX XXXX, XXXX, and TransUnion ) that need to be addressed. I kindly request your prompt attention to these matters. 


Suspicious activity detected It looks like someone else may be using your XXXX  account. Please secure your account to regain access to all features. Learn more. 

XXXX  can make mistakes. Check important info. See XXXX Preferences.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing several accounts listed on my Equifax credit report that I believe are inaccurate or incomplete. Below are the accounts in question : Charged-Off Accounts : DEPTEDXXXX XXXX, XX/XX/XXXX, {$710.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$1500.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, {$2600.00} DEPTEDXXXX XXXX, XX/XX/XXXX, {$1700.00} XXXX, XXXX, XX/XX/XXXX, {$580.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$58.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$350.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$11000.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$5100.00} XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX, XXXX, XX/XX/XXXX, {$2100.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-12 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: AL

Complaint narrative:
I am writing to dispute the following items that appear on my credit report. I believe that the information is inaccurate and/or incomplete, and I request that the following accounts be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$980.00} INQUIRIES XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENTS 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 2025-11-12 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit 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 2025-11-12 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: SC

Complaint narrative:
Debt collector : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I am written that this law has been violated. 
1692c. Communication in connection with debt collection This section restricts when, how, and with whom a debt collector may communicate about a debt.

( a ) Communication with the consumer A debt collector may not communicate with a consumer : At any unusual time or place, or at a time or place known to be inconvenient to the consumer. 

Generally, this means no calls before XXXX a.m. or after XXXX p.m. local time. 

If the collector knows the consumer is represented by an attorney, the collector must communicate only with the attorney ( unless the attorney fails to respond or gives permission ). 

At the consumers place of employment if the collector knows the employer prohibits such communication. 

( b ) Communication with third parties Debt collectors generally can not communicate with anyone other than : The consumer, Their attorney, The creditor, The creditors attorney, or A consumer reporting agency ( like Equifax, Experian, or TransUnion ). 

The only exception : a debt collector may contact others solely to get location information about the consumer, and even then, strict rules apply. 

( c ) Ceasing communication If the consumer notifies the debt collector in writing that : They refuse to pay the debt, or They want the collector to stop contacting them then the collector must stop all communication, except to : Confirm they will stop, Notify of specific legal actions ( like filing a lawsuit ). 

( d ) Definitions The term consumer includes the person obligated to pay the debt and the persons spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

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 2025-11-12 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: SC

Complaint narrative:
Debt collector : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I am written that this law has been violated. 
1692c. Communication in connection with debt collection This section restricts when, how, and with whom a debt collector may communicate about a debt.

( a ) Communication with the consumer A debt collector may not communicate with a consumer : At any unusual time or place, or at a time or place known to be inconvenient to the consumer. 

Generally, this means no calls before XXXX a.m. or after XXXX p.m. local time. 

If the collector knows the consumer is represented by an attorney, the collector must communicate only with the attorney ( unless the attorney fails to respond or gives permission ). 

At the consumers place of employment if the collector knows the employer prohibits such communication. 

( b ) Communication with third parties Debt collectors generally can not communicate with anyone other than : The consumer, Their attorney, The creditor, The creditors attorney, or A consumer reporting agency ( like Equifax, Experian, or TransUnion ). 

The only exception : a debt collector may contact others solely to get location information about the consumer, and even then, strict rules apply. 

( c ) Ceasing communication If the consumer notifies the debt collector in writing that : They refuse to pay the debt, or They want the collector to stop contacting them then the collector must stop all communication, except to : Confirm they will stop, Notify of specific legal actions ( like filing a lawsuit ). 

( d ) Definitions The term consumer includes the person obligated to pay the debt and the persons spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

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 2025-11-12 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: AL

Complaint narrative:
I am writing to dispute the following items that appear on my credit report. I believe that the information is inaccurate and/or incomplete, and I request that the following accounts be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXXXX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$980.00} INQUIRIES XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENTS 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