vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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 disagree with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Acct # XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide how these accounts were verified. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-11-19 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 disagree with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Acct # XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide how these accounts were verified. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 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 2025-11-19 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-11-19 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

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

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

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

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

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

Company 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 2025-11-19 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 writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1700.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : None listed under Equifax at this time. 

Positive Accounts : None listed under Equifax at this time. 

Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$190.00} Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX Account number XXXX Account type Revolving Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$45.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$48.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit heath YOU VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S Code 1666 ( b ) billing 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 2025-11-19 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: TX

Complaint narrative:
I am filing this complaint because TransUnion continues to report late payments on multiple accounts that are fully paid and current. For example, my XXXX  XXXX account ( XXXXXXXX XXXX XXXX ) dated XX/XX/XXXX shows a past due of {$0.00} * *, yet TransUnion marks it as late. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$0.00} and past due of {$0.00} * * but is incorrectly reported as delinquent. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both show XXXX balance and zero past due * *, yet they also appear as late payments. 

I have disputed these accounts multiple times and provided documentation proving that they are current, yet the only responses I receive from TransUnion are generic claims that the accounts were verified. No actual Method of Verification ( MOV ) or supporting documentation has been provided. Reporting these accounts as late when they are fully paid and current violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681n and 1681i, which require accurate reporting and meaningful reinvestigation. It also violates 15 U.S. Code 1666 ( b ), which requires correction of billing and payment errors, and federal law requires that if a furnisher can not properly verify a disputed item within 30 days, it must be removed from the report. The repeated failures to provide proper verification have caused tangible financial harm, unnecessary stress, and frustration from repeatedly fighting errors that are not mine.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Asked for the the credit card company and for how much and when. I was told they could not do that and that the only information I was allowed was on their website. Which tells you nothing but what they want you to pay. They put a lien on my homestead in the state of Texas. I am trying to pay their fictitious amount that they are requesting, but they will not send a payoff letter via email or fax or even being mailed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Several items on my report list inaccurate spelling of my name and addresses that are not associated with 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 2025-11-19 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: AL

Complaint narrative:
Several items on my report list inaccurate spelling of my name and addresses that are not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK
State: OK

Complaint narrative:
The credit card involved were Discover card, XXXX bank that ran the XXXX XXXX account, XXXX  XXXX  bank that handled my XXXX account and XXXX card XXXX Discover opened XXXX and closed after XXXX after XXXX XXXX XXXX  Took a cash advance from my credit card without my permission.

XXXX  bank with XXXX XXXX  was Open XXXX same month I sign a contract with XXXX XXXX XXXX to develop a business website for me. They open the account without my knowledge or permission and immediately took an cash advance from that account. This account was also closed by me on XXXX so they could not get anymore money from me without my permission. 
XXXX XXXX  bank with my XXXX account was opened XXXX. XXXX XXXX XXXX  again did a cash advance on this account also and therefor I closed this account on XXXX for the reason as mentioned above. 
XXXX XXXX was opened XXXX again XXXX XXXX XXXX  did a cash advance and the account was closed XXXX notified all credit card companies of what happened by phone but I did not document the name because of my stupidity. 
The reason I have taken so long to file a complain is because since the credit card companies did not go in my favor I felt there was no hope Now It has reck my financial outlook and I can get even a home to live in. The contract I sign with XXXX XXXX had the cost of the project and that i would have to come up the fee. I was in the process of getting a business loan from my bank when this was breaking lose. when I talked with XXXX XXXX XXXX they said that how they get their money is through your credit card. I informed that they never said that to me. I knew that they new my credit cards and the number on the credit card on the first phone call because they made me verify them but never said they were going to use them. here is where my stupidly play a part again. I got mad and told them on the contract there was only the total price of fee to be collect and I wanted them to send the contract since they never had emailed then contract. approximately a week later I got the contract and the name of the credit card were listed on the contract with amount that was going to be drawn from those account. But as XXXX is my witness those contracts were empty except for the total cost. I did file a police Report on XXXX and the case # is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( TU ). These errors include charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX XXXXccount Number : XXXX, Date : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$240.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$410.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$370.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$460.00} XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$230.00} US DEPT ED Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$38000.00} US DEPT ED Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$7600.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided the following documents to the three Major Credit Bureau Equifax, XXXX  and XXXX. I provided a certified letter from Social Security Administration proving my full name and Address, I provided the Credit Bureaus with a copy of my bank statement proving my Identity and Address, I provided a copy of my driver 's license along with my XXXX card. I also provided a copy of a letter from XXXX  XXXX XXXX XXXX and XXXX XXXX. But all three Major Credit Bureaus tell 's me that they can't verify my Identity. Ladies and Gentlemen please help me with this grave matter. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation