vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am filing this complaint because my credit reports from all three bureaus contain multiple inaccurate, unauthorized, and unverified items that violate my rights under the FCRA and FDCPA. My reports list several false addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX MA XXXX ; and XXXX XXXX XXXX MA XXXXwhich I have never lived at, yet they continue to appear despite FCRA 611 and 605 obligations for accuracy and removal of outdated information. In addition, an unverified collection from RENTRECOVERYSOLUTIONS for XXXX XXXX XXXX XXXXXXXX ( Acct XXXX *, {$230.00} ) is being reported without proper validation as required by FDCPA 809 and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), and no valid Date of First Delinquency has been provided. My reports also contain numerous unauthorized hard inquiries from auto lenders including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I did not authorize or grant permissible purpose under FCRA 604 ( a ). These combined inaccuracies have damaged my credit standing, caused financial hardship, and undermine the reliability of the reporting system that I rely on for housing, transportation, and financial access.

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 2025-11-25 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:
I am filing this complaint because my credit reports from all three bureaus contain multiple inaccurate, unauthorized, and unverified items that violate my rights under the FCRA and FDCPA. My reports list several false addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX MA XXXX ; and XXXX XXXX XXXX MA XXXXwhich I have never lived at, yet they continue to appear despite FCRA 611 and 605 obligations for accuracy and removal of outdated information. In addition, an unverified collection from RENTRECOVERYSOLUTIONS for XXXX XXXX XXXX XXXXXXXX ( Acct XXXX *, {$230.00} ) is being reported without proper validation as required by FDCPA 809 and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), and no valid Date of First Delinquency has been provided. My reports also contain numerous unauthorized hard inquiries from auto lenders including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I did not authorize or grant permissible purpose under FCRA 604 ( a ). These combined inaccuracies have damaged my credit standing, caused financial hardship, and undermine the reliability of the reporting system that I rely on for housing, transportation, and financial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Veros Credit, LLC
State: CA

Complaint narrative:
This account should be deleted immediately. Here is all the documents you need to show that I am a XXXX XXXX XXXX XXXX. I have XXXX to resolve this case many times get very XXXX and I have all the documents that is required

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
b'I am submitting this letter as my first formal dispute regarding multiple inaccuracies appearing on my \nEquifax, TransUnion and Experian credit report. Upon careful review, I have identified several accounts and reporting entries \nthat are inaccurate, incomplete, or unverifiable. These errors include incorrect addresses, charged-off \naccounts, collections, and inquiries, all of which misrepresent my credit history. I am requesting a full \nreinvestigation and correction of each of these items under the Fair Credit Reporting Act (FCRA) \n607(b), 609(a), 611(a), and 623(a)(1)(A) to ensure that my credit report reflects only accurate, \ncomplete, and verifiable information.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXBalance Owed:XXXX XXXXBalance OwedXXXX XXXXBalance OwedXXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX XXXXBalance Owed:XXXX XXXX XXXX XXXXBalance OwedXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
b'I am submitting this letter as my first formal dispute regarding multiple inaccuracies appearing on my \nEquifax, TransUnion and Experian credit report. Upon careful review, I have identified several accounts and reporting entries \nthat are inaccurate, incomplete, or unverifiable. These errors include incorrect addresses, charged-off \naccounts, collections, and inquiries, all of which misrepresent my credit history. I am requesting a full \nreinvestigation and correction of each of these items under the Fair Credit Reporting Act (FCRA) \n607(b), 609(a), 611(a), and 623(a)(1)(A) to ensure that my credit report reflects only accurate, \ncomplete, and verifiable information.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXBalance Owed:XXXX XXXXBalance OwedXXXX XXXXBalance OwedXXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX XXXXBalance Owed:XXXX XXXX XXXX XXXXBalance OwedXXXX

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 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-25 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: UT

Complaint narrative:
I am submitting a second-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several items remain unresolved, inaccurately reported, or unverifiable. These errors misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. The accounts in question include XXXX ending in XXXX with a balance of {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX with a balance of {$620.00}, XXXX XXXX ending in XXXX with a balance of {$760.00}, XXXX XXXX XXXX  XXXX ending in XXXX XXXX a balance of {$840.00}, XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX of {$0.00}, XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX of {$640.00}, XXXX ending in XXXX with a balance of {$0.00}, XXXX ending in XXXX with a balance of {$0.00} XXXX XXXX ending in XXXX with a balance of {$0.00} XXXX XXXX ending in XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX original creditor XXXX XXXX XXXX ) ending in XXXX with a balance of {$460.00}, XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX ) ending in XXXX with a balance of {$430.00}, XXXX ending in XXXX with a balance of {$370.00}, and XXXXXXXX XXXX  ( original creditor XXXX XXXX XXXX ) with a balance of {$150.00} XXXX These accounts, associated with addresses including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT ; XXXX XXXX XXXX XXXX XXXX XXXX, UT ; XXXX XXXX XXXX XXXX, XXXX, WA ; and XXXX XXXX XXXX, XXXX, UT, are inaccurately reported in ways that distort my payment history and overall creditworthiness.

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 2025-11-25 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: UT

Complaint narrative:
I am submitting a second-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several items remain unresolved, inaccurately reported, or unverifiable. These errors misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. The accounts in question include XXXX ending in XXXX with a balance of {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX with a balance of {$620.00}, XXXX XXXX ending in XXXX with a balance of {$760.00}, XXXX XXXX XXXX  XXXX ending in XXXX XXXX a balance of {$840.00}, XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX of {$0.00}, XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX of {$640.00}, XXXX ending in XXXX with a balance of {$0.00}, XXXX ending in XXXX with a balance of {$0.00} XXXX XXXX ending in XXXX with a balance of {$0.00} XXXX XXXX ending in XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX original creditor XXXX XXXX XXXX ) ending in XXXX with a balance of {$460.00}, XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX ) ending in XXXX with a balance of {$430.00}, XXXX ending in XXXX with a balance of {$370.00}, and XXXXXXXX XXXX  ( original creditor XXXX XXXX XXXX ) with a balance of {$150.00} XXXX These accounts, associated with addresses including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT ; XXXX XXXX XXXX XXXX XXXX XXXX, UT ; XXXX XXXX XXXX XXXX, XXXX, WA ; and XXXX XXXX XXXX, XXXX, UT, are inaccurately reported in ways that distort my payment history and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I recently disputed a XXXX XXXX XXXX  inquiry in error. This inquiry is accurate and authorized, and it is connected to my active XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX account ending in XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX, and with the last payment recorded on XX/XX/XXXX, which is currently reported as XXXX  days past due. Upon review of my records, it is clear that this account has been misreported. I maintained regular communication with XXXX and adhered to the original loan terms. The reporting of a XXXX delinquency for this account is inconsistent with my verified payment history, and no documentation exists to substantiate the alleged delinquencies. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to implement reasonable procedures to ensure the maximum possible accuracy of all reported information. The failure to report accurate balances, payment history, and account status violates this requirement. I am requesting a thorough reinvestigation of this account, including verification of the reported XXXX late status directly with XXXX. If the reported delinquency can not be verified, it must be corrected or updated to reflect the accurate account history. 
Furthermore, I dispute the reporting of a second XXXX account ending in XXXX with a balance of {$1300.00}, also showing a last payment date of XX/XX/XXXX, and likewise reported as XXXX  days past due. This account appears to be either a duplicate reporting or an inaccurately recorded entry. Reporting XXXX separate accounts with different balances but identical identifying information and delinquency status creates confusion and materially misrepresents my credit profile. Under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a reinvestigation of any disputed information that is incomplete, inaccurate, or unverifiable. I request that your bureau confirm the authenticity of this entry with XXXX verify the correct balance, payment history, and delinquency status, and promptly update my credit report to accurately reflect the true condition of this account. 
The incorrect reporting of these accounts has caused significant disruption to my credit profile, potentially influencing lenders decisions, interest rates, and overall financial standing. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX account ending in XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX, and with the last payment recorded on XX/XX/XXXX, which is currently reported as XXXX  days past due. Upon review of my records, it is clear that this account has been misreported. I maintained regular communication with XXXX and adhered to the original loan terms. The reporting of a XXXX delinquency for this account is inconsistent with my verified payment history, and no documentation exists to substantiate the alleged delinquencies. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to implement reasonable procedures to ensure the maximum possible accuracy of all reported information. The failure to report accurate balances, payment history, and account status violates this requirement. I am requesting a thorough reinvestigation of this account, including verification of the reported XXXX late status directly with XXXX. If the reported delinquency can not be verified, it must be corrected or updated to reflect the accurate account history. 
Furthermore, I dispute the reporting of a second XXXX account ending in XXXX with a balance of {$1300.00}, also showing a last payment date of XX/XX/XXXX, and likewise reported as XXXX  days past due. This account appears to be either a duplicate reporting or an inaccurately recorded entry. Reporting XXXX separate accounts with different balances but identical identifying information and delinquency status creates confusion and materially misrepresents my credit profile. Under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a reinvestigation of any disputed information that is incomplete, inaccurate, or unverifiable. I request that your bureau confirm the authenticity of this entry with XXXX verify the correct balance, payment history, and delinquency status, and promptly update my credit report to accurately reflect the true condition of this account. 
The incorrect reporting of these accounts has caused significant disruption to my credit profile, potentially influencing lenders decisions, interest rates, and overall financial standing. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation