vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX PHONE : XXXX EMAIL : XXXX DATE OF BIRTH : XX/XX/XXXX SSN ( LAST XXXX ) : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL FCRA, FDCPA, AND XXXX XXXX XXXX COMPLAINT INCORRECT PERSONAL IDENTIFIERS AND MIXED-FILE DATA SUBJECT : REQUEST FOR DELETION, BLOCKING, AND IDENTITY CORRECTION To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit Reporting XXXX Guide XXXX XXXX XXXX XXXX. My Equifax consumer file contains several inaccurate and misassociated personal identifiers that compromise the accuracy and integrity of my consumer identity profile. 

The following names currently appear on my Equifax file : XXXX. XXXX XXXX XXXX ACCURATE XXXX. XXXX XXXX INACCURATE XXXX. XXXX XXXX XXXX INACCURATE ( THIS IS MY MOTHER ) XXXX. XXXX XXXX INACCURATE ( THIS IS MY MOTHER ) Only XXXX XXXX XXXX is my correct legal identity. All other names represent mixed-file conditions and improper identity linkage. 

Equifax is also reporting an address that does not belong to me : XXXX XXXX XXXX XXXX, LA XXXX This address has never been associated with me and must be deleted. 

These inaccuracies violate : FCRA 602 ( A ) : FAILURE TO MAINTAIN ACCURATE AND FAIR REPORTING FCRA 607 ( B ) : FAILURE TO FOLLOW PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY FCRA 609 ( A ) : FAILURE TO PROVIDE ACCURATE DISCLOSURE FCRA 611 ( A ) : FAILURE TO CONDUCT A REASONABLE REINVESTIGATION FCRA 611 ( A ) ( 5 ) : FAILURE TO FOLLOW REINSERTION RULES FCRA 605B : FAILURE TO BLOCK MISASSOCIATED INFORMATION Additionally, Metro 2 XXXX requires proper alignment of identity fields, prevention of cross-consumer contamination, accurate handling of consumer identification information, and prohibition of mixed-file reporting. The reporting of my mothers identities and an unrelated address violates these standards and jeopardizes the integrity of my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION
State: VA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of XXXX XXXX and XXXX Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security XXXX XXXX and proof of address. 
18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX OF XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
I was harassed by text message by XXXX XXXX XXXX for XXXX cable. All I received were text messages for collection while I was showing good faith by paying XXXX directly. I paid down from XXXX to XXXX and they still reported to credit bureaus destroying my credit. I am in the process of getting my security clearance and this is destroying my chances. I struggled after the government shutdown to finish the payment. The debt is now cleared and still not posting to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am submitting this complaint to dispute inaccurate and contradictory information being reported on my credit file regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report reflects a balance of {$860.00} and a payment status listed as CURRENT, yet it also shows 30- and 60-day late payments within the past seven years, which is misleading and inconsistent with the current account status. Additionally, Experian lists the Date of Last Activity as XX/XX/year>, while other credit bureaus report XX/XX/year>, creating further discrepancies. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under 611 ( 15 U.S.C. 1681i ) to dispute inaccurate or unverifiable information and request a reinvestigation. The furnisher, XXXX XXXX XXXX, has duties under FCRA 623 ( a ) ( 2 ) and 623 ( b ) to ensure that information reported to credit bureaus is accurate, updated, and properly verified upon notice of a dispute. Furthermore, 15 U.S. Code 1666 and 1666a prohibit creditors from continuing to report disputed information as accurate during an ongoing investigation. Because this account is reported as current, the continued display of historical delinquencies is inconsistent with these federal provisions and is causing unfair harm to my credit reputation. I am requesting that Experian and XXXX XXXXXXXX XXXX verify the accuracy of the reported payment history and activity dates, correct or delete any unverifiable information, and provide written confirmation of the investigation results within the 30-day period required by 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 2025-11-14 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: MD

Complaint narrative:
I am submitting this complaint to dispute inaccurate and contradictory information being reported on my credit file regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report reflects a balance of {$860.00} and a payment status listed as CURRENT, yet it also shows 30- and 60-day late payments within the past seven years, which is misleading and inconsistent with the current account status. Additionally, Experian lists the Date of Last Activity as XX/XX/year>, while other credit bureaus report XX/XX/year>, creating further discrepancies. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under 611 ( 15 U.S.C. 1681i ) to dispute inaccurate or unverifiable information and request a reinvestigation. The furnisher, XXXX XXXX XXXX, has duties under FCRA 623 ( a ) ( 2 ) and 623 ( b ) to ensure that information reported to credit bureaus is accurate, updated, and properly verified upon notice of a dispute. Furthermore, 15 U.S. Code 1666 and 1666a prohibit creditors from continuing to report disputed information as accurate during an ongoing investigation. Because this account is reported as current, the continued display of historical delinquencies is inconsistent with these federal provisions and is causing unfair harm to my credit reputation. I am requesting that Experian and XXXX XXXXXXXX XXXX verify the accuracy of the reported payment history and activity dates, correct or delete any unverifiable information, and provide written confirmation of the investigation results within the 30-day period required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-14 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: D2 Management LLC
State: WA

Complaint narrative:
( Not sure where my first complaint went but Im re-doing as its not listed in my account ) I received a call from an unknown number so I did not answer it. When I looked later I listened to the message and it sounded like a scam due to the we need to discuss an important matter with you. I looked up D2 Management and it said it was a debt collection agency but I dont know of any debts I owe that is coming from this company. I was also given no written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-14 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: CA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-11-14 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-14 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I opened an account right before I got sick with XXXX and now that Im better I want to withdraw all money etc and close my account I dont remember any of the login info and my drivers license and social security number and a selfie isnt enough proof Im the account owner and Im very upset I want them to do the right thing I am a customer they have not acted accordingly on my behalf.

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 2025-11-14 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am disputing the remaining {$700.00} from a {$1000.00} engine purchase from XXXX XXXX XXXX XXXX on XX/XX/year>, made with my Citi / AAdvantage MileUp card. The engine arrived damaged, and I provided photo evidence. The merchant accepted the return but withheld {$700.00}, claiming a restocking fee that does not apply to defective merchandise. 

Citi has not fulfilled my rights under the Fair Credit Billing Act ( FCBA ). I submitted and sent out in mailnew evidence, including photos and communication showing the part was defective and that the restocking fee should not apply. Citi did not conduct a proper investigation of this new evidence. 

Citis denial letter indicates the dispute team relied solely on the merchants statement and terms and conditions, without performing a manual review of the evidence I sent. They did not address the defect, did not explain why the restocking fee applies to defective merchandise, and did not evaluate the factual proof I provided. 

This is a failure to conduct a reasonable, good-faith investigation, as required under the FCBA for disputes involving defective or non-conforming goods. 

Details : Total purchase : {$1000.00} XXXX issued only a {$340.00} credit, keeping {$700.00} as a restocking fee This fee was not disclosed verbally and does not apply to broken items I returned the item because it was damaged and unusable Citi closed the dispute without properly reviewing my evidence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

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 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 2025-11-14 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me in ways that are profoundly negative, and I insist they be addressed immediately during these challenging times. Correcting or removing them would be a significant relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-14 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 have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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