vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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 am disputing the charged-off account listed on my Equifax credit report. I request that Equifax thoroughly investigate this item and make the necessary corrections or removals if it can not be verified. 

Charged Off : XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am submitting this dispute regarding the following charged-off accounts and inquiries on my Experian credit report. I request a full investigation into the accuracy of these items and their removal if found to be inaccurate. 

Charged-Off Accounts : No charged-off accounts listed for Experian. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting your consideration for a goodwill adjustment because the reported late payment resulted from an isolated and unintentional circumstance. This situation caused significant XXXX  and was not reflective of my normal payment behavior. I have maintained a positive payment history overall, and I have taken steps to ensure that this will not happen again. I respectfully ask for your assistance in updating the reporting as a gesture of goodwill, as the negative mark is disproportionately impacting 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
b'Whom It May Concern:\n\nI am writing in response to your recent communication regarding the above-referenced account, which you state was purchased from another creditor. I dispute this alleged debt in its entirety.\n\nUnder the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I am formally requesting that you provide full validation of this alleged debt, including but not limited to:\n\n1. The original creditors name, address, and account number\n\n\n2. Proof of ownership/assignment showing that Midland Credit legally purchased and now owns the alleged debt\n\n\n3. A complete itemized accounting showing how the amount claimed was calculated\n\n\n4. A copy of the original contract, application, or agreement bearing my signature\n\n\n5. Proof that the debt is within the statute of limitations for collection in my state\n\n\n\nUntil these documents are provided, you must cease all collection activities.\n\nAdditionally, under 15 U.S.C.  1692c(c), this letter serves as a formal request that you CEASE AND DESIST from any further communication with me regarding this matter, except to provide the required validation or to notify me of specific legal action.\n\nThis includes, but is not limited to:\n\nPhone calls\n\nEmails\n\nLetters\n\nThird-party communication\n\nCredit reporting without proper validation\n\n\nPlease note that failure to comply with this request may result in legal action being taken against you, including claims for statutory damages, attorneys fees, and reporting violations to the Consumer Financial Protection Bureau (CFPB) and the Attorney Generals office.\n\nNothing in this letter constitutes acknowledgment of the alleged debt. All rights are expressly reserved.\n\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: WA

Complaint narrative:
I am submitting this statement as part of a dispute regarding several inaccurate and incomplete items that have been reported on my credit report. The following accounts are being disputed : CHARGED OFF XXXX  ( Experian ) XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$6900.00} XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX  ( Experian ) XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX  ( Experian ) 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 2025-11-27 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: MN

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit report. Below are the accounts I am disputing with the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ) Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$720.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$59.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$740.00} XXXX, XXXX, XX/XX/XXXX, {$310.00} XXXX XXXX, XX/XX/XXXX, {$3500.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$630.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$550.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$3600.00} XXXX, XXXX, XX/XX/XXXX, {$250.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$9500.00} Late Payment : 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after you conducted an investigation. I would like to get this item immediately reinvestigated. You have once again violated my consumer rights. The inaccurate information has been detrimental to my credit score. XXXX Accounts ( XXXX XXXXXXXX and XXXX XXXX ). Under The Fair Credit Reporting Act, Public law 91-506, Title VI Section 611 Subsection A-D, I ask that you please provide the business addresses and names of the individuals you have verified the account, so that I may follow up with them. I also ask that you please provide me with an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 disputing inaccurate or incomplete information on my credit report. Please investigate and correct the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX, Account XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$310.00} XXXX, Account XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$1100.00} XXXX XXXX XXXX, Account XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$1100.00} XXXX XXXX, Account XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$1700.00} Inquiries : None reported I request verification of these accounts with the original creditors. If any entry can not be verified, I request it be removed from my report. 

Please provide written confirmation once your investigation is complete.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 the following accounts being reported as charged off on my TransUnion credit report. I am requesting a full investigation into their accuracy, including validation of account ownership, balance correctness, and reporting compliance with the FCRA. 

Accounts in Dispute : Creditor Name Account Number Date Opened Reported Balance XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX  XXXX XX/XX/XXXX {$18000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXX. XXXX XX/XX/XXXX {$3900.00} Inquiries in Question : ( None currently listed for TransUnion. ) Final Statement to CFPB I am requesting that the CFPB assist in ensuring each bureau fulfills its obligation under the Fair Credit Reporting Act to investigate and verify the accuracy and completeness of the information reported about me. If the furnishers can not provide proper documentation within the statutory timeframe, these items should be corrected or deleted from my 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am submitting a dispute regarding multiple inaccurate items on my credit reports across all three major credit bureaus Equifax, The following accounts are in dispute : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2200.00} Late Payments : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 not responsible for these accounts and require they be removed within 15 days per the Fair Credit Reporting Act.

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 2025-11-27 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: AR

Complaint narrative:
I am requesting an investigation into several items on my credit report that I believe are inaccurate or incomplete. Please verify the following accounts with the original creditors and correct any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$1100.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$1200.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX Late Payment : XXXX XXXX XXXX, Account # XXXX I am disputing the accuracy of these entries. If any of the reported information can not be verified, I request it be removed from my report immediately. 

Please provide written confirmation of the investigation results. 

Sincerely,

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 2025-11-27 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding various credit reporting discrepancies found in my credit reports from Equifax ( EQ ), The following accounts are being disputed, as they contain inaccuracies or incomplete information. Please review the details of these accounts for each credit bureau below. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief