vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX  XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX XXXX Employer - XXXX  XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX below are the Accounts that are being challenged XXXXXXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am writing to formally dispute inaccurate information and late payment reporting that appears on my credit file. The accounts listed below contain errors that do not accurately reflect my payment history or account status and must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623. 

TRANSUNION : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$39.00} EXPERIAN : Account Name XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$39.00} EQUIFAX : Account Name : XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$79.00}

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 2025-10-30 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:
I am writing to formally dispute inaccurate information and late payment reporting that appears on my credit file. The accounts listed below contain errors that do not accurately reflect my payment history or account status and must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623. 

TRANSUNION : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$39.00} EXPERIAN : Account Name XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$39.00} EQUIFAX : Account Name : XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$79.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute and request correction of certain Late Open accounts on my credit report. Upon reviewing my file, I noticed that my XXXX XXXX XXXX account, ending in XXXX, shows a balance of {$310.00} with 30 days late in XX/XX/year> and 60 days late in XX/XX/year>, which appears to be inaccurately or prematurely reported based on my payment record and account activity. 
The XXXX XXXX account in question was never abandoned or neglected. There were circumstances surrounding the payment schedule and communication with the creditor that may not have been properly reflected in the reporting. It is possible that the account status was updated in error or that essential documentation supporting the alleged repossession has not been verified. Therefore, I am requesting a review and validation of this account to ensure that the reporting accurately reflects the true nature of the transaction and payment history.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, incomplete, or unverifiable. FCRA 607 ( a ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and FCRA 611 ( a ) mandates that any disputed information must be investigated thoroughly, with corrections made as needed to ensure the credit report is accurate.

Additionally, FCRA 623 ( a ) ( 1 ) and ( b ) further obligates furnishers to investigate disputes and provide complete and accurate information to the credit bureaus, while FCRA 602 ( a ) emphasizes that accurate reporting is essential for consumers financial well-being.

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 2025-10-30 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: FL

Complaint narrative:
I am submitting this follow-up complaint to dispute the accuracy and completeness of several accounts currently being reported on my credit file. After reviewing my report, I have found the following accounts to be inaccurate, incomplete, or unverifiable. I am requesting a reinvestigation under federal law as outlined in the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I have the right to dispute information in my file that I believe to be inaccurate. The consumer reporting agency is required to conduct a reasonable reinvestigation and must either verify or correct the disputed information within the time allowed by law. Additionally, according to FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of all information reported. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$29.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$96.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are either inaccurate, incomplete, or unverifiable. As per FCRA 605 ( a ), 15 U.S.C. 1681c, obsolete information that can not be verified or validated must be removed from my credit report. Additionally, under FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ), you must ensure that accurate and complete information is reported, and any failure to do so can result in a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2900.00} Reason : This account is reporting late payments and other inconsistencies that are inaccurate. I have verified my records and payment history, and the information being reported does not reflect accurate data. I am requesting that this account be fully investigated and corrected or deleted from my credit file under my rights per the Fair Credit Reporting Act ( FCRA ), Sections 602 and 611. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Reason : This account also shows inaccurate or outdated information. Since the account is closed and carries a XXXX balance, any indication of recent activity, delinquencies, or late payment history is incorrect and must be removed. Please confirm the reporting with the furnisher and ensure accuracy in compliance with the FCRA 607 ( b ) and 611 ( a ).

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion allowed an account to be placed on my credit report from XXXX dating XX/XX/year>. I never opened an account with XXXX  on XX/XX/year>. There is no contract with myself and XXXX dated on XX/XX/year>. This account needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
CFPB Complaint : Equifax & XXXX XXXX XXXX Complainant : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Subject : Equifax continues reporting inaccurate, re-aged, and unverifiable account data for XXXX XXXX XXXX Companies Complained About : XXXX. Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Information : Creditor : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Rewards Account Number : ending in XXXX Balance : {$870.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Collection / Closed Credit Bureau : Equifax Complaint Summary : I am filing this complaint because Equifax continues to report and publish false, re-aged, and unverifiable information regarding an XXXX XXXX XXXX collection account, despite multiple prior disputes. 

Violations Identified : 1. Illegal Re-Aging ( FCRA 623 ( a ) ( 5 ) ) : The Date of First Delinquency ( XX/XX/XXXX ) precedes the Date Opened ( XX/XX/XXXX ), which is impossible. 
This is a textbook case of account re-aging designed to extend the 7-year reporting limit unlawfully.

2. Inaccurate Future Date Reported ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Equifax lists a future reporting date ( XX/XX/XXXX ), which proves that no legitimate reinvestigation or human verification occurred. 
Reporting future or fabricated data is a clear accuracy violation. 
XXXX. Missing Date of Last Activity ( FCRA 609 ( a ) ( 1 ) ) : The account omits the Date of Last Activity, preventing validation of the reporting period.

This failure to include key identifying information violates the requirement for full disclosure and accuracy.

4. Failure to Provide Human Verification ( FCRA 611 ( a ) ( 1 ) & 611 ( a ) ( 7 ) ) : Equifax continues to mark the account Consumer disputes this account information but has not produced any verification evidence from the original creditor or debt buyer, only automated e-Oscar responses.

This violates the statutory duty to conduct a reasonable reinvestigation.

5. Failure to Send Notice of Reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) : This tradeline has been reinserted or continued after prior disputes with no written reinsertion notice provided.

6. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) : Equifax reports conflicting account details ( Closed vs. Active Collection ), showing reckless disregard for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2025, I used XXXX through my pnc account to send {$55.00} to a person I was purchasing a XXXX XXXX XXXX account from. Immediately after I sent the money, the recipient stopped responding and never delivered what I paid for. I contacted my bank right away to report the transaction as fraud and requested a reversal or investigation. 

The bank denied my request and stated that XXXX payments are final, but this was a clear case of fraud. I did not receive the goods or services, and I was misled by the recipient. Im asking for the bank to review this again and assist me with recovery or reimbursement of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple late payment entries that have been inaccurately reported by certain furnishers and credit reporting agencies. These entries are false, misleading, and have caused unjust harm to my credit reputation and financial standing. Despite my consistent payment record, these accounts were reported with delinquency marks that are not supported by any verifiable record of late payment. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are obligated to ensure maximum possible accuracy in reporting ( FCRA XXXX ( b ) ) and must conduct a reasonable reinvestigation of any disputed information ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). Additionally, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). However, in my case, the reporting entities have failed to uphold these federal standards by continuing to report unverified negative information despite prior disputes and requests for validation. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
Bank errors in billing and reporting are severely damaging my credit. Pursuant to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to accurately record payments and credits, yet multiple violations have occurred : payments I made were improperly omitted, and blatant calculation errors plague the reported amounts. Furthermore, I was denied the mandatory 21-day notice prior to a payment deadline, rendering any late payment notations entirely invalid. These inaccuracies constitute a flagrant breach of federal law and unjustly undermine my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am filing this complaint regarding an inaccurate and unverified collection account that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The company reporting this account has failed to provide me with proper validation or documentation proving that the debt belongs to me and that it is being reported accurately. I have already disputed this account with the credit reporting agencies and the furnisher directly, but they continue to report unverifiable information. 
This practice constitutes noncompliance with : FCRA 609 ( a ) ( 1 ) ( A ) failure to provide complete verification of account information upon request FCRA 611 ( a ) failure to conduct a proper reinvestigation of disputed information FDCPA 807 ( 8 ) communicating false credit information I am requesting that this unverified collection account be removed entirely from all credit bureau reports ( Experian, XXXX XXXX XXXX ) and that the furnisher cease all further reporting or collection activity until full validation can be provided. 
I have attached supporting documents, including my dispute letters, proof of identity, and any responses I have received from the furnisher or credit bureau.

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 2025-10-30 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: NV

Complaint narrative:
I am submitting to dispute several accounts and inquiry on my credit report and to request the removal or correction of outdated, inaccurate, or improperly reported information. This letter pertains to my credit file. Upon reviewing my credit report, I identified certain entries that are either obsolete or inaccurately reported, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Below is a detailed account of the disputed information. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NV

Complaint narrative:
I am submitting to dispute several accounts and inquiry on my credit report and to request the removal or correction of outdated, inaccurate, or improperly reported information. This letter pertains to my credit file. Upon reviewing my credit report, I identified certain entries that are either obsolete or inaccurately reported, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Below is a detailed account of the disputed information. 
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 XXXXXX/XX/year>

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 2025-10-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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