vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
I am writing to formally dispute several inaccuracies and incomplete information that have been reported on my credit report. These errors may negatively impact my creditworthiness, and I am requesting a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If these items can not be properly verified, I respectfully request that they be removed from my credit report. 


Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Discrepancy : The account status is inaccurate, and the reported balance is incorrect. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Discrepancy : The reported charge-off status and balance do not align with my records. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is incorrectly reported as charged off when it is not. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$79.00} Discrepancy : Incorrect charge-off status and balance. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discrepancy : Multiple inquiries reported under the same entity. These should be consolidated to reflect the accurate number of credit inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discrepancy : I have reason to believe that some of these inquiries were either unauthorized or inaccurately reported.

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 2025-11-03 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 2025-11-03 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: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted formal written disputes to TransUnion, XXXX, and XXXX  regarding several inaccurate and unverifiable accounts appearing on my credit reports. Proof of mailing and copies of the dispute letters are attached. 

TransUnion completed an investigation and deleted two items : XXXXXXXX XXXX XXXXXXXX ( collection ) and XXXX XXXX XXXX XXXX ( credit card ). However, they failed to verify or properly investigate several other disputed accounts that continue reporting inaccurate or incomplete information, including : A charged-off credit card with an approximate balance of {$2700.00} ( XXXX ) A charged-off account with an approximate balance of {$2500.00} ( XXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX account showing as paid charge-off, although it was settled in XXXX A XXXX  XXXX account reported as settled for less than full balance, despite being paid in full in XXXX A collection account from XXXX XXXX / XXXXXXXX XXXX XXXX, still open and marked Placed for collection, which remains unverified TransUnion failed to provide any documentation or method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ), and continues to report unverifiable and outdated derogatory information.

This is a direct violation of : FCRA 611 Failure to conduct a reasonable investigation and provide verification within 30 days FCRA 623 Reporting inaccurate information without verifying its accuracy I am requesting the CFPB to require TransUnion to : Delete all disputed accounts that can not be verified with actual documentation ( original signed contracts, payment records, etc. ) Provide a full method of verification for any accounts that remain Correct all inaccurate or obsolete information and provide written confirmation once the updates are completed. 

Attached evidence : Original dispute letters ( dated XX/XX/XXXX ) Proof of mailing TransUnion investigation results showing partial deletions Updated XXXX credit report showing remaining inaccurate accounts ID for identity confirmation

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: WI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a letter saying that XXXX had placed collection account with them, for a debt with XXXX XXXX XXXX XXXX IS also a collection company. This collection has been sold several times with collection agency. I requested to have them provide me prove XXXX is the owner of this account and what it was purchased for, as it bought for pennies on the dollar. Credit Control who is the 3rd Collection Company is asking me to paid this debt to them. No prove of them from XXXX XXXX assigned them this collection. As per the collection company 's they say that they don't need to prove anything regarding the amount of purchase. The Fair Act states all reported information to credit reporting bureau must be accurate. When they paid pennies on the dollar for the account then report the full amount owe to them which is 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 2025-11-03 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: IL

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report and would like to dispute certain items. Below is a list of the accounts and inquiries in question, separated by each credit bureau. I kindly request that each bureau investigate and update my credit file accordingly. 

Charged Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : {$2000.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$850.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$2200.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : {$1200.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$690.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$2400.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Balance : {$5300.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was forced to file for XXXX XXXX XXXX  protection in the XXXX XXXX XXXX XXXX ( Case No. XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX This filing is directly tied to financial harm that I sustained while I was under coercion and victimization as a human trafficking survivor. 
During and after the period of victimization, I experienced prolonged financial instability, forced debt obligations, housing insecurity, and manipulation that left me without access to safe, independent income. As a result, I was left with no viable financial alternatives but to enter into a structured repayment plan through the XXXX  courtstrictly as a survival measure, not as an act of financial mismanagement. 
In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation 12 C.F.R. 1022.142, I submitted a complete request to the major consumer reporting agencies ( XXXX, Equifax, TransUnion ) and XXXX XXXX XXXX, requesting the blocking of this adverse item ( the XXXX  filing ) from appearing on my credit reports. My submission included : A written request specifically identifying the item ( XXXX XXXX XXXX, filed XX/XX/year> ) My self-attestation as a trafficking victim A government-issued ID Supporting agency documentation confirming my trafficking victim status Despite the clear statutory requirements under Section 605C, I remain concerned that this XXXX  may still be reported or made accessible by credit reporting agencies, which would constitute a violation of my rights under federal law and continue to harm me financially, socially, and psychologically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 disputing the following accounts on my Experian credit report that appear inaccurate, outdated, or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXXXXXX XXXX XXXX Account # XXXX, XX/XX/XXXX, {$120.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$760.00} XXXX Account # XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX  Account # XXXX, XX/XX/XXXX, {$170.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$1200.00} XXXX Account XXXX XXXX, XX/XX/XXXX, {$2900.00} Inquiries None listed for Experian. 

Late Payment Reporting XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX Please verify all accounts and late payments and remove any that can not be substantiated.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed this account with Experian and demanded a full debt validation and a Method of Verification under FCRA 611 ( a ) ( 7 ). Experian stated the item was verified, but has refused to provide : The contract allegedly bearing my signature Proof of ownership/assignment including securitization or sale records Complete account-level records ( statements, charges, credits, full ledger ) Balance calculation ( fees vs principal ) Procedures used to verify the account under CFPB Regulation V Identity of the data furnisher employee who validated the information Internal policies & procedures required by FCRA 623 Experian also failed to demonstrate permissible purpose under 604 ( a ) ( 3 ).

Despite not providing any of the required documentation, they continued to report this account as a collection with a past due balance of {$130.00}.

This means : The investigation was not reasonable Reporting is unverified and materially inaccurate This causes ongoing damage to my credit profile I am requesting immediate removal of the XXXX XXXX collection account until the item is properly validated with legitimate documentation meeting all FCRA and FDCPA requirements.

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 2025-11-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 am submitting this formal complaint to report several serious inaccuracies and unverified entries appearing on my credit reports that are negatively impacting my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the specific items in question : Incorrect Addresses Reported : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX These addresses are inaccurate and do not belong to me. I have no connection to either of these addresses and request their immediate deletion from all credit bureaus. 

Charge-Off Accounts I Have No Knowledge Of : XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX ) XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$50.00} XXXX XXXX ( Account : XXXX XXXX  ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of these accounts. I have never opened or authorized any such accounts, and no creditor has provided verified documentation proving my responsibility for them. These entries are unverified, inaccurate, and must be permanently deleted. 

Inaccurate Late Payment Reporting : XXXX  ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balances : {$12000.00} and {$6700.00} The payment history on these accounts is incorrect. I have never made any late payments on these accounts, and this false reporting is damaging my credit standing. I demand that these inaccuracies be investigated and the payment history corrected to reflect an accurate record. 

Unauthorized Inquiry : XXXX Dated : XX/XX/XXXX I did not authorize or initiate this inquiry. It appears to have been made without my consent and should be removed immediately. 

These inaccuracies are a clear violation of my rights under 15 U.S.C. 1681i and 1681s-2 ( b ) of the FCRA, which require that all information furnished to consumer reporting agencies be accurate, complete, and verifiable. I have previously disputed these items directly with the credit bureaus, but the information continues to appear without proper validation or correction. 

I am requesting that the CFPB conduct a thorough investigation into these matters and hold the reporting entities and furnishers accountable for their noncompliance. I am demanding : Permanent deletion of all unverified and inaccurate accounts and inquiries.

Immediate removal of all false addresses.

Correction of inaccurate late payment histories.

Written confirmation of all actions taken to resolve these issues. 

Thank you for your attention to this matter. I expect prompt action to ensure full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 filing this complaint regarding the following disputes with my credit reports. These items require investigation and corrections to ensure my credit file is accurate. 
Charged Off Accounts : No items in dispute. 

Inquiries in Dispute : XXXX  XXXX Date : XX/XX/year> Dispute : This inquiry was made without my consent. Please investigate and remove this inquiry from my credit report. 

Late Payments in Dispute : XXXX XXXX Account : XXXX Dispute : The late payment reported for this account is incorrect. Please verify and correct the status. 

XXXX XXXX Account : XXXX Dispute : The late payment reported for this account is incorrect. Please verify and correct the status.

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 2025-11-03 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 submitting this complaint to the Consumer Financial Protection Bureau regarding the following disputed items on my credit report. I respectfully request that these inquiries be reviewed for accuracy, as I believe they may not have been authorized or may otherwise be incorrect. Please ensure compliance with the Fair Credit Reporting Act by properly investigating these items. If any of these inquiries can not be verified, I request that they be removed from my credit report. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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