vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Fraudulent and Inconsistent Account Reporting Across Credit Bureaus Dear Consumer Financial Protection Bureau, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that is fraudulently reported and inconsistently listed across the three major credit bureaus. 

The account in question has been reported under three different names and numbers by each bureau : Experian : XXXX XXXX XXXX  Account No. XXXX Equifax : XXXX XXXX XXXX Account No. XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX Account No. XXXX This account does not belong to me. I have never opened or authorized any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The inconsistent reporting across all three credit bureaus clearly indicates that the data furnisher is providing inaccurate, unverifiable, and misleading information, which directly violates my rights under : 15 U.S.C. 1681s-2 : Duty of furnishers to provide accurate information.

15 U.S.C. 1681i : Right to a reinvestigation of disputed information.

15 U.S.C. 1692g : Right to validation of debts under the FDCPA.

I have already disputed this matter with each bureau and requested validation of the alleged debt, yet the inaccurate information remains. The continued reporting of this account constitutes negligent and willful noncompliance with the FCRA. 
I am requesting that the CFPB investigate this matter immediately and compel : Experian, Equifax, and TransUnion to delete the fraudulent account from my reports. 
The furnisher ( s ) of this data to provide complete validation or cease reporting altogether. 

Written confirmation from all involved entities detailing the steps taken to correct my credit file. 

I am attaching copies of my ID, proof of address, for your review. 
This situation has caused unnecessary harm to my credit profile and peace of mind. I respectfully request your intervention to ensure compliance with federal consumer protection laws. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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 2025-11-07 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration because my credit report contains numerous errors that I can no longer ignore. These inaccuracies have been severely affecting my XXXX XXXX and overall financial stability, preventing me from achieving the financial freedom XXXX  been working toward.

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 2025-11-07 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX  unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX  XXXX  ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-07 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
FCRA Section 604 ( a ) Permissible Purpose of a Consumer Report Citation : 15 U.S.C. 1681b ( a ) This section says a credit reporting agency ( Experian, Equifax, or TransUnion ) may only furnish your credit report to a person or company that has a permissible purpose under the law for example : in connection with a credit transaction you initiated ; for employment purposes ( with written permission ) ; for insurance underwriting ; for a legitimate business need in connection with a transaction you initiated ; or under court order, etc.

If an inquiry was made without a permissible purpose, it violates 604 ( a ) of the FCRA.

Citation : 15 U.S.C. 1681i ( a ) This section gives you the right to dispute any inaccurate or unauthorized information, including inquiries.

The credit bureau must investigate your dispute within XXXX  days.

If they can not verify the inquiry was authorized, it must be deleted.

When you dispute, cite both : Unauthorized inquiry violation of FCRA 604 ( a ). Please investigate under 611 and remove if unverifiable.

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 2025-11-07 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: NC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts The following accounts are reported as charged off under Experian. I am disputing their accuracy and requesting verification or removal if they can not be validated : XXXXXXXXXXXX  Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$3700.00} XXXX Acct XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$3200.00} XXXX Acct XXXX XXXX Opened XX/XX/XXXX XXXX : {$1500.00} XXXX Acct XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$3800.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$1600.00} It appears these accounts may be incorrectly reported or inconsistent with the data on my XXXX and XXXX  reports. 

Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify all reported late payments and delete any that can not be confirmed as accurate.

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 2025-11-07 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email Address 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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 2025-11-07 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: TN

Complaint narrative:
I am disputing the following accounts with Experian due to inaccuracies and incomplete information. These accounts are reported as charged off, but I believe they are incorrect, and I am requesting a full investigation and removal if they can not be verified. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding Absolute Recovery LLC, a debt collector that continues to engage in unlawful and deceptive practices in violation of multiple federal consumer protection laws. 
Despite previously filing a complaint through the CFPB, my case was wrongfully closed as a duplicate and marked no response. I only submitted one valid complaint, and Absolute Recovery LLC has still failed to respond or provide the legally required debt validation documentation.

This company is currently re-aging my account, reporting false information to the credit bureaus, and refusing to provide validation of the alleged debt which are clear violations of the following consumer protection laws : Violations Committed by Absolute Recovery LLC 1. Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g & 1692e ) Failure to provide written validation of the debt within 30 days of my written request.

Continued collection activity and credit reporting after a validation request illegal under 1692g ( b ).

False representation of the legal status, amount, or character of the debt ( 1692e ( 2 ) ( A ) ).

Engaging in deceptive practices by re-aging the account to make it appear newer than it is ( 1692e ( 8 ) ).

2. Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 & 1681i ) Reporting inaccurate and unverifiable information to TransUnion and other CRAs.

Failure to conduct a reasonable reinvestigation after receiving notice of dispute.

Failure to report the account as disputed by consumer, violating 1681s-2 ( a ) ( 3 ).

Improper re-aging of a collection to extend its reporting period prohibited under 1681c ( a ) ( 4 ).

3. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Engaging in unfair, deceptive, and abusive acts and practices ( UDAAP ) by continuing to collect and report without validation.

4. Data Privacy & Breach Implications ( TransUnion Data Breach ) Under the FCRA and the FTC Act, furnishers and credit reporting agencies must ensure maximum possible accuracy and safeguard consumer data.

The TransUnion data breach constitutes a failure to protect consumer information under FCRA 1681e ( a ) and further exposes consumers like myself to identity misuse making inaccurate or unverified reporting even more damaging.

Absolute Recoverys continued furnishing of data to TransUnion during or after known security breaches demonstrates reckless disregard for data integrity and consumer privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-07 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:
I am writing to formally dispute the following negative items listed on my credit report as provided to me on [ Insert Report Date ]. The negative entries that need attention are as follows : XXXX. XXXX XXXX Account Number : [ Account Number ] Amount Past Due : {$980.00} Remarks : Account disputed by the consumer.

Status : Charge Off This account has been reported as a charge-off, and I believe this is incorrect. I request that you investigate the status of this account and update or remove any inaccurate information. 
Please complete your investigation and provide me with a written response confirming the correction or removal of this item from my report within the time frame required by 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 explanation
Consumer complaint received 2025-11-07 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:
I am writing to dispute the following negative items on my credit report with Experian. After reviewing my credit file, I believe there are inaccuracies that need to be addressed. Below are the accounts I am disputing : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Status : Charge-off o Unpaid Balance : {$1900.00} o Date Opened : XX/XX/XXXX o Last Activity : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX o Status : Charge-off o Unpaid Balance : {$950.00} o Date Opened : XX/XX/XXXX o Last Activity : XX/XX/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 2025-11-07 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXXXXXX 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 2025-11-07 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation