vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-11-29 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 disputing the accuracy and completeness of the information being reported in my consumer credit file. Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information that can not be verified within the required time frame.

The information currently being reported is inaccurate, incomplete, or can not be properly verified. I am requesting that the credit bureau conduct a proper reinvestigation, provide me with the results of that reinvestigation, and delete any information that is found to be inaccurate or unverifiable.

Failure to comply with these obligations is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ).

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 2025-11-29 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:
I am disputing the accuracy and completeness of the information being reported in my consumer credit file. Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information that can not be verified within the required time frame.

The information currently being reported is inaccurate, incomplete, or can not be properly verified. I am requesting that the credit bureau conduct a proper reinvestigation, provide me with the results of that reinvestigation, and delete any information that is found to be inaccurate or unverifiable.

Failure to comply with these obligations is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ).

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 2025-11-29 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: VA

Complaint narrative:
I XXXX XXXX XXXX want to request at this time under extraordinary circumstances the deletion of all past due payments on my account posted by your financial institution. My request is professional based upon the following criteria : I am an XXXX in the XXXX XXXX XXXX XXXXXXXX and have been XXXX for over XXXX-XXXX. My training has been rigorous for an exceedingly long time, and I had truly little room to attend my personal affairs. Having been recently married, my wife now manages all payments to my accounts. 
My service to my country deserves some consideration. 
Thank you for your attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 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: OK

Complaint narrative:
This credit card account was disputed XXXX times with the credit bureaus on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these disputes, the information continues to be reported inaccurately. 

The account shows different account numbers, different statuses, and different comments depending on the bureau. XXXX bureau reports it as derogatory, another as paid, and another as a charge-off. The past-due amounts also appear inconsistently, even though the balance is {$0.00}. The payment history and last-activity dates do not match across the bureaus, creating multiple factual errors. 

I requested an investigation each time, but the bureaus did not correct the inaccuracies or provide reliable verification. The information being reported remains inconsistent, incomplete, and misleading. 

I am requesting that the inaccurate information be corrected or removed, as it continues to negatively affect my credit profile despite multiple attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX  business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX  year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and Experian has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than XXXX  days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-11-29 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: NJ

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
On XXXX what made my account negative for {$890.00} and what business name was it for? 
Was their a direct deposit made to my account today XXXX if so how much and for and what business name was it for and XXXX or the next follow day XXXX and how much was it for and what is the business name it was for. My name XXXX XXXX and this complaint is for my mom as well XXXX XXXX we both need our portal account login to be deactivated and deleted and deleted out the system so we cant login no more and fully unenroll out the system and unsubscribe from getting emails our email is XXXX and email is XXXX and usernames is XXXX for me and her username is XXXX and our XXXX is XXXX for me and birthday is XXXX and her is XXXX XXXX and birthday is XXXX and send me the left over amounts we have in our checking and saving check by a check by mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also unsubscribe us from getting text messages to line number XXXX and line number XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX XXXX  Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX Equifax ] Issue : Duplicate entries and outdated charge-off status.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

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 2025-11-29 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, incomplete, and inconsistent items appearing on my credit reports from Experian, Equifax, and TransUnion. Specifically, my Experian report contains accounts with inaccurate Dates of First Delinquency ( DOFD ), balances, and reporting statuses in violation of FCRA 605 ( a ), 605 ( c ), 604 ( a ) ( 3 ), and 623 ( a ) ( 1 ) ( A & 5 ), as well as incorrect addresses listed as XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXXXXXX XXXX  XXXX, SC XXXX, which are not associated with me. My Equifax report includes the XXXX XXXX  account ending XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} * *, which is inconsistently reported compared to other bureaus, raising concerns about verification and accuracy under FCRA 605, 605 ( c ), 611, and 623. My TransUnion report contains XXXX charge-offs : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$16000.00} * *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$88.00} * *, all of which are either missing from other bureaus or inconsistently reported, suggesting potential furnishing errors, unverifiable DOFDs, and violations of FCRA 605 ( a ), 605 ( c ), 611 ( a ), and 623 ( a ). These discrepancies and missing accounts cause inaccuracies that directly affect my creditworthiness, as information that can not be verified, is inconsistent across bureaus, or is associated with incorrect personal identifying information must, by law, be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, incomplete, and inconsistent items appearing on my credit reports from Experian, Equifax, and TransUnion. Specifically, my Experian report contains accounts with inaccurate Dates of First Delinquency ( DOFD ), balances, and reporting statuses in violation of FCRA 605 ( a ), 605 ( c ), 604 ( a ) ( 3 ), and 623 ( a ) ( 1 ) ( A & 5 ), as well as incorrect addresses listed as XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXXXXXX XXXX  XXXX, SC XXXX, which are not associated with me. My Equifax report includes the XXXX XXXX  account ending XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} * *, which is inconsistently reported compared to other bureaus, raising concerns about verification and accuracy under FCRA 605, 605 ( c ), 611, and 623. My TransUnion report contains XXXX charge-offs : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$16000.00} * *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$88.00} * *, all of which are either missing from other bureaus or inconsistently reported, suggesting potential furnishing errors, unverifiable DOFDs, and violations of FCRA 605 ( a ), 605 ( c ), 611 ( a ), and 623 ( a ). These discrepancies and missing accounts cause inaccuracies that directly affect my creditworthiness, as information that can not be verified, is inconsistent across bureaus, or is associated with incorrect personal identifying information must, by law, be corrected or 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