vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the credit reporting agencies are reporting inaccurate personal identifying information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 609 ( A ).

The following information being reported is incorrect, obsolete, or does not belong to me, yet it continues to appear on my credit file : 1. Incorrect or former names XXXX XXXX XXXX XXXX XXXX XXXX ( Only my legal name should appear. ) 2. Incorrect / old addresses The bureaus are reporting outdated addresses which no longer belong to me and should not be associated with my credit file. These include : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA My current and only address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. Incorrect or outdated employer information XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and other employer listings are outdated and inaccurate. 

Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy ( FCRA 607 ( B ) ) and to ensure that all information in my file is correct. 

These errors are causing my credit file to be associated with : accounts that may not belong to me, outdated locations, and identifiers that increase the possibility of mixed files or identity confusion. 

I have already submitted disputes directly to the bureaus, and the incorrect personal information remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because the credit reporting agencies are reporting inaccurate personal identifying information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 609 ( A ).

The following information being reported is incorrect, obsolete, or does not belong to me, yet it continues to appear on my credit file : 1. Incorrect or former names XXXX XXXX XXXX XXXX XXXX XXXX ( Only my legal name should appear. ) 2. Incorrect / old addresses The bureaus are reporting outdated addresses which no longer belong to me and should not be associated with my credit file. These include : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA My current and only address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. Incorrect or outdated employer information XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and other employer listings are outdated and inaccurate. 

Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy ( FCRA 607 ( B ) ) and to ensure that all information in my file is correct. 

These errors are causing my credit file to be associated with : accounts that may not belong to me, outdated locations, and identifiers that increase the possibility of mixed files or identity confusion. 

I have already submitted disputes directly to the bureaus, and the incorrect personal information remains.

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 2025-12-04 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: LA

Complaint narrative:
XXXX is reporting or collecting a debt under account number XXXXXXXX XXXX XXXX XXXX XXXX  but I have not received proper validation. I have requested documentation, but none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
Dear XXXX, I am writing to dispute the following accounts on my credit report. These accounts contain inaccuracies and should be corrected accordingly. Please see the detailed information below, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Account Number : XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX, I made XXXX payments to XXXX different companies, XXXX car insurance company and the other one was my car insurance. I had over {$1000.00} on there and they tried to tell me it didnt cover it. It was Venmo. I talked to him today and they tried to tell me that the funds wasnt on the card when I knew it was as I told them the history of transfers they did not want to help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
In XXXX, I noticed several hard inquiries on my TransUnion credit report from companies I did not authorize or give permission to pull my credit. These inquiries have negatively affected my credit score and were not initiated by me. 

The unauthorized inquiries include : XXXX XXXX  XXXX  Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) Inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I did not apply for credit with several of these companies, nor did I give permission for my credit to be accessed on these dates. I am requesting that these companies provide proof of my authorization for each hard inquiry. If they can not provide proof, I am requesting the removal of these unauthorized inquiries from my credit report. 

These inaccurate inquiries are harming my credit profile and affecting my ability to build and maintain good credit. I am requesting the CFPBs assistance in having these unauthorized credit pulls investigated and, if confirmed unauthorized, removed.

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 2025-12-04 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: IN

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 2025-12-04 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX  XXXX  {$13000.00}, XXXX {$970.00}, XXXX {$0.00}, XXXX XXXX XXXX XXXX {$290.00}, XXXX XXXX XXXX XXXX {$4100.00}. INQUIRIES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
There is an amount showing on my credit report of {$440.00} for NATIONAL CREDIT ADJU. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. I need this to be removed immediately. Please cease and desist all calls and contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint specifically against Equifax for continuing to report inaccurate, unverified, and incomplete information on my XXXX XXXX account ( ending in XXXX ), despite the fact that I submitted a formal written dispute over 30 days ago.

Equifax has failed to conduct a proper reinvestigation under FCRA 611 ( a ). They did not provide any primary source validation, did not correct the errors I identified, and continue reporting derogatory information that can not be verified, causing me continuous and measurable financial harm. 

Specific Problems With XXXX XXXX : 1. Inconsistent and incomplete account status Equifax reports this account as XXXX, while XXXX  reports it as XXXX. 

A single tradeline can not carry conflicting statuses between bureaus. 
This inconsistency proves that Equifax does not possess verified, accurate, or current data, which is required for compliance with FCRA accuracy standards.

Additionally, essential Metro 2 data elements are incomplete or missing entirely.

2. Lack of a valid verification process Equifax has not provided : -Any investigation logs -Verification metadata -Any documentary evidence showing the alleged late payments were validated -A last verified date Without this information, Equifax is violating FCRA 611 ( a ) ( 1 ) ( A ), which requires the furnisher and the CRA to ensure the information is accurate, complete, and verifiable.

3. Metro 2 formatting and coding errors My dispute letter identified serious Metro 2 issues, including : -Incorrect or missing Portfolio Type / Account Type codes -Missing Date Last Verified -Account Status codes inconsistent with the reporting format -Remarks that contradict the furnished data These errors show that Equifax can not meet Metro 2 compliance, which means the derogatory data should not be reported at all.

4. Equifax has not marked the account as disputed as required Under FCRA 613, Equifax must : -Tag the account as disputed -Notify all data recipients -Provide proof of these notifications Equifax has not provided any confirmation that this legal requirement was fulfilled.

5. Financial harm caused by Equifaxs inaccurate reporting Because Equifax continues reporting unverified late payments, I am experiencing : -Reduced credit scores -Denial of credit offers -Increased interest rates -Loss of financial opportunities This is active financial injury caused by Equifax 's negligence and failure to reinvestigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: American Financial Network Inc.
State: FL

Complaint narrative:
American Financial Network refuses to remove the PMI of my home based off of an incorrect Broker Priced Opinion that they completed. My home was originally purchased for {$480000.00}. We have since added a {$90000.00} pool, {$20000.00} worth of land improvements, a screened porch, and different customizations to home. After the pool was completed we asked for PMI removal, they claimed they needed a Broker to evaluate, which was done. I got a letter saying the PMI request removal was denied based off of a broker priced opinion of XXXX. I called the broker and he said XXXX is not what he submitted to the mortgage company, but he was unable to tell me the amount he submitted. I call the mortgage company and they say that is the price, I escalated to a supervisor and they claim that they can not do anything for me and I can just pay down the remainder of the loan to value. I explain how my neighbors home next to me built by the same builder just sold for {$520000.00} with no pool a half of an acre less, and a smaller home. The valuation is not correct and the mortgage company will not reevaluate. The original appraisal was for XXXX before improvements including the pool and increased market value. I asked if I could get an appraisal done by the county and who did the original appraisal and they said no, they do not accept outside appraisals, but accepted the appraisal for the origination of the loan. This is totally incorrect business practices and I believe that they are stealing from their customers. Especially considering the broker told me that is not the value he submitted to the mortgage company, there are lies being told somewhere and money being stolen.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Multiple accounts are appearing on my credit report that do not belong to me and have clearly been mixed with my credit filethese accounts belong to someone else. I never opened, authorized, or managed any of these accounts, and their presence is inaccurate, misleading, and damaging to my financial reputation. This mixed-file error is unacceptable and has caused me serious concern about the security and accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: DC

Complaint narrative:
I am writing to dispute certain items on my credit report. Below are the details of the accounts that I believe to be inaccurate, and I request a thorough investigation into these matters. 

CHARGED OFF : XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-04 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: NC

Complaint narrative:
I am writing to dispute the following items on my credit report. Please investigate the inaccuracies and update the records accordingly. Below are the details of the accounts I am disputing, separated by each bureau : CHARGED OFF Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-04 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am disputing the following charged-off account on my Experian credit report : XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} Inquiries : I am disputing the following inquiries on my Experian credit report : 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 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/XXXX Late Payments : I am disputing the following late payment on my Experian credit report : XXXX  - Account No. 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 2025-12-04 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: MN

Complaint narrative:
This CFPB complaint has been filed to reque

st 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 4 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