vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute and file a complaint regarding these inaccurate personal information entries on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15U.S.C. 1681e ( b ) and 1681i, consumer reporting agencies are required to maintain maximum possible accuracy in credit reports and to investigate any dispute and correct or delete any unverifiable or inaccurate data within a reasonable period30 days, or 45 days if additional documentation is provided.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agencyprepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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 ) promptlynotify the furnisherof that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Account does not belong to me. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate and Unverified Information Under 15 U.S.C. 1681c-2 & 1681i To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the information reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( deletion of obsolete or inaccurate information ) and 15 U.S.C. 1681i ( requirement for reinvestigation and deletion of unverifiable data ), I demand that you immediately investigate and delete all information that can not be fully verified. 

Accounts to Be Investigated and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information Correction : Update my credit file to reflect the following accurate personal information : Name : XXXX XXXX Date of Birth XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete the Following Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the Following Incorrect Employers : Final Touch Delivery Service XXXX XXXX XXXX Legal Basis : Under 15 U.S.C. 1681c-2 and 1681i, you are required to conduct a reasonable reinvestigation and remove any inaccurate, incomplete, or unverifiable information. As clarified by XXXX XXXX XXXX XXXX XXXX. LLC ( XXXX ), mere statements are not sufficient to prove debt ownership ; you must have full documentation showing a complete chain of assignments. If these debts have been securitized or sold, continued reporting is furnishing inaccurate information.

Expected Action : Delete all unverifiable or inaccurate information from my credit report.

Provide me with written confirmation of deletions and updated copies of my credit report.

Include copies of any verification documents relied upon in your investigation.

Failure to comply within 30 days will result in complaints filed with the CFPB and FTC, and I will pursue legal remedies under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages, including attorneys fees.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
Upon reviewing my credit reports with all three bureaus, I have come across several accounts that were opened frequently due to my information being exposed in the Equifax XXXX XXXX in XXXX have sent several letters to the credit bureaus requesting a thorough investigation as well as the removal of these accounts. Please see the attached letter that was last sent on XXXX XXXX and remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
You have an unresolved balance of {$54.00}. 
Hi XXXX, We have been contacting you about your past due XXXX balance. 

If this is overwhelming to you, we have options available to help you resolve this balance. 

Learn more about these options by clicking the link below. 

LEARN MORE This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures.

Your TrueAccord account number is : 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 2025-07-14 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Personal Loan account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX the account is shown in collection on TransUnion only XXXX Loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment history on TransUnion only Personal Loan account opened at TAB/SUNBIT on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown on collection TransUnion and Experian only collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown on collection TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  account is shown in collection also showing late payment history on Experian only only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX the account is shown in collection on Experian and Equifax only and late payment history on Equifax only collection account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown in collection on Experian only and showing late payment history Equifax only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is shown on collection TransUnion and Experian only Credit Card account opened XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection also showing late payment history on Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Experian and Equifax only and late payment history on Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX collection Experian and Equifax/// late payment Equifax only collection account opened XXXX XXXX XXXXXXXXXXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown in collection on Experian only and showing late payment history Equifax only which is being inconsistently reported among the national credit bureaus.

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 2025-07-14 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:
My credit is extremely important to me, and I have a serious concern regarding the inaccurate information appearing on my credit report. These errors are causing ongoing stress, especially when I am denied new credit because of them.

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 2025-07-14 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX XXXXccording to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-14 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Account Number XXXX Balance : {$120.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$520.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: CL Holdings LLC
State: GA

Complaint narrative:
I dispute the validity of this account on the grounds that there is no original creditor agreement bearing my signature, nor sufficient evidence that I am legally responsible for this debt. If the account has been sold or transferred from the original creditor, I request complete documentation proving that the current entity has the legal right to collect and report this debt under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IN

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 2025-07-14 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: CA

Complaint narrative:
I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) during a recent dispute I submitted regarding a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX ; account ending in XXXX XXXXXXXX for {$560.00} ). 

On XX/XX/year>, Equifax concluded their reinvestigation and claimed the debt was verified as accurate, but provided no supporting documentation or original signed agreement. I never received a copy of the contract, billing statements, or proof that this debt legally belongs to me. Furthermore, the report only reflects updates to metadata ( e.g., balance date, status date ), which are not relevant to the core dispute.

This violates multiple sections of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Equifax failed to conduct a reasonable reinvestigation of the disputed information.

15 U.S.C. 1681i ( a ) ( 4 ) They failed to review all relevant information I submitted.

15 U.S.C. 1681e ( b ) They are reporting inaccurate and unverified information without ensuring maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) They did not provide a method of verification or name and contact of the party who verified the item.

I am requesting the CFPB investigate and compel Equifax to : 1. Provide the full method of verification used to verify this account ; 2. Provide all documents and records used in the reinvestigation ; 3. Delete the account if XXXX  can not validate it with a signed contract, billing history, or other legal proof ; 4. Remove this item from all reports if it remains unverifiable or is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date 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