vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
Dear Sir/Madam, I am writing to dispute several accounts and inquiries listed on my credit report from Experian. These accounts may have inaccuracies and need a thorough investigation to ensure proper reporting in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts and inquiries I am disputing : Charged Off Accounts : XXXX. XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXXXXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} Inquiries : XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am a victim of identity theft. I let Experian, Equifax, transition know about this attached a police report and etc report for identity theft and they continue to still report these fraud accounts and information on my report when it does not belong to me. EXPERIAN, EQUIFAX AND TRANSUNION IS BREAKING THE LAW BY REPORTING THESE IDENTITY THEFT INFORMATION. THIS COULD HAVE HAPPENED FROM THEIR BREACH AS WELL MY INFORMATION COULD HAVE BEEN STOLEN FROM THEIR DATA BASE

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 2025-11-24 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 requesting an investigation into the following accounts, inquiries, and late payments. The information appears inconsistent or unverifiable across bureaus. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$910.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$93.00} XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} INQUIRIES XXXX XXXX XXXXXX/XX/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/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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This statement is submitted as part of my CFPB complaint concerning multiple inaccurate entries on my TransUnion credit report. I am a consumer trying to repair my credit and request a full FCRA-compliant investigation. 

Charged-Off Accounts Under Dispute Please investigate and validate the following charged-off accounts. If TransUnion can not obtain complete verification, I request deletion : XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  ( XX/XX/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 Hard Inquiries Under Dispute I dispute the following inquiries because I do not recognize them or do not believe they were properly authorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove any inquiry that can not be verified as legitimate. 

Late Payments Under Dispute These accounts are reporting late payments I believe to be inaccurate. I request verification and correction or deletion : XXXX XXXX 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 I request that TransUnion conduct a full investigation and provide supporting records. If proper verification can not be provided, please correct or delete the disputed items in accordance with the FCRA.

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 2025-11-24 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:
I am writing to dispute the following accounts that have been inaccurately reported on my credit file. I request an immediate review of these accounts as the information provided is not accurate, and I believe these accounts may be in violation of the Fair Credit Reporting Act ( FCRA ). I am specifically challenging the accuracy of the reporting on the following charged-off account. 

Account Name : XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Reason for Dispute : Incorrect Reporting / FCRA Violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Milestone ( Concora Credit Inc. ) closed my credit card account claiming they mailed me a verification letter. I never received any letter, email, or communication of any kind. My address on file is correct, and I was making consistent, on-time payments. My account was in good standing at the time of closure. I spoke to two managers on XX/XX/XXXX and XX/XX/year>. 

Here are the payments I made leading up to the closure : XX/XX/year> {$350.00} XX/XX/year> {$290.00} XX/XX/year> - {$70.00} XX/XX/year> {$49.00} Despite these timely payments, Milestone shut down my account without warning. When I requested a copy of the verification letter they claim to have sent, they were unable to provide any proof of mailing. Instead of assisting me or verifying anything, they shut down both of my online accounts, Indigo and Milestone, so I can no longer view my statements, interest charges, or fees.

I can not access my transaction history, billing statements, or any of the alleged notices they say they sent. This has caused a negative impact on my credit score and has prevented me from understanding what they charged or how the account was handled before closure. 

Milestones actions appear to violate federal consumer-protection requirements regarding proper notice, billing transparency, and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am submitting this complaint intentionally and not in error. My credit report contains inaccuracies that lack assurance of maximum accuracy. These errors are causing significant distress and negatively impacting my life in profound ways during challenging times. Correcting or removing them would provide substantial relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting collection on all 3 credit reports transunion, Equifax, and Experian when I never did a purchase with them and I did not receive a 1099c showing which is require taxes, because they already written off the debt with irs. The report is not accurate in accordance with Predatory Lending EliminationAct ( S.3549 ) 140B. Limitations on consumer12.1K.credit and maximum rates of interest Removes Repossessions from Your Credit Report Permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to report a serious issue involving Credence Resource Management and XXXX XXXX XXXX regarding my former XXXX  account. 

Credence Resource Management charged me {$190.00} on XX/XX/year> for a XXXX bill that was actually {$160.00}. I was fully willing to pay the correct amount, but they demanded {$190.00} ( charged me under the name credit sage ). In addition to this, they also charged me an extra {$99.00}. I disputed the {$99.00} charge with my bank and believed the matter was resolved. 

Recently, another agency called XXXX XXXX XXXX placed a derogatory mark on my credit report for this same account. This dropped my credit score by more than XXXX points. 

Since I did not want legal trouble or further damage to my credit, I paid the full balance * * directly to XXXX XXXX XXXX  on my own. 

I am requesting the following : 1. Removal of the derogatory collection account from my credit reports, since the balance is now paid directly to XXXX and the agencies were reporting incorrect information. 

2. Correction of my credit score to reflect that the account is paid and should not be in collections.

3. Review of Credence Resource Managements actions, as they charged me more than the true bill amount and attempted to collect additional money improperly. 

Thank you for your prompt attention. Please update my credit profile and remove the inaccurate collection entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
I am a victim of an extortion scheme on XXXX. 

Cash App has not provided proper support or fraud remediation for a $ XXXX extortion scam reported to XXXX. I am requesting a Financial Crimes review, wallet tracing, and reimbursement consideration due to financial hardship. 

When in contact with Cash App, refer to these case numbers:XXXX XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
my information has been involved in a cyber incident. I was informed by transunion in my cyber scout report that my information has been compromised which may explain these unauthorized inquires, and collections here are the inquires XXXX inquired XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXcard XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXCollections :XX/XX/XXXXXXXX for {$1100.00}, XX/XX/XXXXXXXX {$230.00} alsoXX/XX/XXXXXXXXXX/XX/XXXX {$270.00} thank concludes all the fraudulent matters I have on my credit report .. thank you in advance for helping me with this issue..

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 2025-11-24 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-24 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Ive faxed documents after documents and Im done at g this point Ive been faxing and waiting faxing and waiting and this has been a horrible experience so I just want to close my account and have this annual fee refunded that way I can pay off the balance before my due date on XX/XX/year>. What really ended things for me is the fact that I was told by the XXXX XXXX XXXX XXXX to send all my documents over again and to call the XXXX  department if I have any questions just for the fraud department to tell me that I dont need to fax anything else and wait XXXX days for a response so Ive just given up and wish to close the account

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 2025-11-24 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 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. XXXX, XXXX  and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ).

These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ).

These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.SEE ATTACHED

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 2025-11-24 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:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ).

These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.SEE ATTACHED

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