vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple conflicting, inaccurate, and unverifiable entries that have caused significant confusion, distress, and misrepresentation of my financial history, and my attempts to resolve these issues directly with the bureaus have been unsuccessful. Specifically, my XXXX XXXX account ending XXXX with a {$0.00} balance is reported on Experian but appears outdated or resolved, raising concerns under FCRA 605 ( a ) regarding obsolete information. My XXXX XXXX XXXX account ending XXXX * * with a balance of {$760.00} * * appears only on Experian, but the reported dates and activity can not be fully verified, implicating FCRA 623 ( a ) ( 1 ) ( A ) for accurate reporting. Additionally, my XXXX XXXX account ending XXXX * * * * * * * * * with a balance of {$100.00} * * appears across all three bureaus, but inconsistencies in reporting dates and prior activity suggest a lack of verification, again violating FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX  account ending XXXX * * with a balance of {$290.00} * * is reported on Equifax and TransUnion, yet the details are inconsistent and unverifiable. Finally, XXXX XXXX XXXX is reported on Experian with a date of XX/XX/year>, which is inaccurate and potentially future-dated, raising concerns under FCRA 605 ( a ) and 605B, which governs blocking of information related to identity theft. These repeated inaccuracies have caused me undue stress, and despite multiple disputes, the bureaus continue to report inconsistent and unverifiable information, making it impossible for me to rely on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple conflicting, inaccurate, and unverifiable entries that have caused significant confusion, distress, and misrepresentation of my financial history, and my attempts to resolve these issues directly with the bureaus have been unsuccessful. Specifically, my XXXX XXXX account ending XXXX with a {$0.00} balance is reported on Experian but appears outdated or resolved, raising concerns under FCRA 605 ( a ) regarding obsolete information. My XXXX XXXX XXXX account ending XXXX * * with a balance of {$760.00} * * appears only on Experian, but the reported dates and activity can not be fully verified, implicating FCRA 623 ( a ) ( 1 ) ( A ) for accurate reporting. Additionally, my XXXX XXXX account ending XXXX * * * * * * * * * with a balance of {$100.00} * * appears across all three bureaus, but inconsistencies in reporting dates and prior activity suggest a lack of verification, again violating FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX  account ending XXXX * * with a balance of {$290.00} * * is reported on Equifax and TransUnion, yet the details are inconsistent and unverifiable. Finally, XXXX XXXX XXXX is reported on Experian with a date of XX/XX/year>, which is inaccurate and potentially future-dated, raising concerns under FCRA 605 ( a ) and 605B, which governs blocking of information related to identity theft. These repeated inaccuracies have caused me undue stress, and despite multiple disputes, the bureaus continue to report inconsistent and unverifiable information, making it impossible for me to rely on my credit reports.

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 2025-11-17 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple conflicting and inaccurate entries for both my XXXX XXXX XXXX account ending in XXXX with a balance of {$100000.00} and my XXXX  account ending in XXXX with a balance of {$13000.00}, and my repeated attempts to correct these errors with the bureaus have been unsuccessful. For the USDA account, Experian and TransUnion report the account, but the associated dates and details are inconsistent or unverifiable, leaving me unable to determine which information is correct, in violation of FCRA 1666 ( correction of billing errors ), 1666a ( creditor restrictions during disputes ), CRA 611 ( dispute of inaccurate information ), 623 ( a ) ( 2 ) ( duty to correct and update ), and 623 ( b ) ( furnishers duty to investigate ). For the XXXX account, all three bureaus report the same balance, but the Dates of First Delinquency and other key details related to the repossession appear inconsistent and potentially inaccurate, violating CRA 605 ( c ) ( XXXX controls reporting period ), the requirement that furnishers report the correct DOFD, and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ). These discrepancies have caused confusion, distress, and difficulty managing my financial records, as I can not rely on any of my credit reports to accurately reflect my history, and I am requesting CFPB intervention because the bureaus have failed to correct or verify the information despite my disputes.

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 2025-11-17 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: NY

Complaint narrative:
I am a victim of identity theft. Experian and Equifax are reporting fraudulent accounts that were opened while I was a minor, without my knowledge or consent. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts were opened when I was a minor. I was born in XXXX so I could not have entered into any credit agreements. Under FCRA 605B, these accounts must be blocked and deleted immediately. 

My XXXX and Equifax files also show multiple XXXX addresses, but I have never lived in XXXX at any time. I lived in XXXX XXXX and later moved to XXXX before returning. These wrong addresses were added due to identity theft and must be removed. 

Both bureaus are also reporting an incorrect date of birth, further proving identity theft. My correct date of birth is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
To : XXXX XXXX XXXX Subject : Cease & Desist, Debt Validation Request, and Removal of Unverified Account From Credit Reporting To Whom It May Concern, I am formally requesting that you immediately cease and desist all communication with me regarding the above-referenced account. I do not acknowledge nor have knowledge of this alleged debt. 
Under FDCPA 15 U.S.C. 1692g, I request full validation of this alleged debt including : Original signed agreement Full itemized account history Proof of assignment License information Until complete validation is provided, all collection efforts must stop. 
Reporting unverified information violates FCRA 623. Since the alleged debt can not be verified by me, I demand immediate removal from XXXX XXXX XXXX XXXX. 
If you can not validate this debt, you must delete it and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Synovus Bank
State: CA

Complaint narrative:
To : XXXX XXXX XXXX Subject : Cease & Desist, Debt Validation Request, and Removal of Unverified Account From Credit Reporting To Whom It May Concern, I am formally requesting that you immediately cease and desist all communication with me regarding the above-referenced account. I do not acknowledge nor have knowledge of this alleged debt. 
Under FDCPA 15 U.S.C. 1692g, I request full validation of this alleged debt including : Original signed agreement Full itemized account history Proof of assignment License information Until complete validation is provided, all collection efforts must stop.

Reporting unverified information violates FCRA 623. Since the alleged debt can not be verified by me, I demand immediate removal from XXXX XXXX XXXX XXXX. 
If you can not validate this debt, you must delete it and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my file, I noticed that XX/XX/XXXX initiated an inquiry on XX/XX/year>. I did not request, authorize, or consent to this inquiry, and I suspect it may have been caused by identity theft or some form of fraudulent activity involving my personal information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of information related to identity theft from my credit report, once proper documentation is provided. Therefore, I am requesting the immediate removal of this unauthorized inquiry from my credit file.

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 2025-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Please remove collections account from all XXXX credit bureaus per 15USC 1692c ( c ) Please remove all negative history and comments from credit reports. 
I have no knowledge of this account. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed a charge from XXXX because the goods were never delivered. I provided Chase with documentation showing invalid tracking and confirmation from UPS that the package did not exist. Chase reversed the chargeback and overdrafted my account, and subsequent promised follow-ups were not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Please remove collections account from all XXXX credit bureaus per 15USC 1692c ( c ) Please remove all negative history and comments from credit reports. 
I have no knowledge of this account. Thanks

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 2025-11-17 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: IL

Complaint narrative:
My XXXX auto loan ( account ending XXXX ) is being inaccurately reported on my credit report. 
The account was charged off and closed in XX/XX/XXXX. However, XXXX is reporting late payments for XXXX, XXXX, and XXXX. This is impossible because a closed and charged-off account can not generate new late payments. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not report information they know or should know is inaccurate FCRA 607 ( b ) consumer reporting agencies must maintain maximum possible accuracy I have already disputed this information with the credit bureaus, and Ally verified the inaccurate late payments. 

I am requesting that the CFPB require XXXX to : XXXX. Remove all late payments reported after XX/XX/XXXX XXXX. Correct the account status XXXX. Update the information with all credit bureaus I am attaching a screenshot of the inaccurate payment history as proof.

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 2025-11-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-17 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: WI

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 XXXX XXXX. 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 explanation
Consumer complaint received 2025-11-17 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: UT

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports, which I have identified across Experian, Equifax, and TransUnion. My addresses are inconsistently reported as XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX in Experian, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX in TransUnion. These discrepancies violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 607 ( b ), which require both furnishers and CRAs to maintain maximum possible accuracy of reported consumer information. The inconsistent reporting of my residence has resulted in confusion, inaccurate account tracking, and possible mixed-file reporting, necessitating an immediate correction to reflect my accurate addresses across all bureaus.

In addition, several charge-off accounts are inaccurately reported with conflicting balances and statuses across the three credit bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ). XXXX XXXX XXXX XXXX appears with balances of {$590.00} and {$1000.00} across Experian, Equifax, and TransUnion. XXXX XXXX XXXX shows {$420.00} in all three bureaus, while XXXX  XXXX XXXX is reported twice with balances of {$810.00} and {$430.00} in Experian. Additional accounts, including XXXX XXXXXXXX ( {$1000.00} ), XXXXXXXX XXXX XXXX ( {$640.00} ), and XXXX XXXX XXXX XXXX ( {$980.00} ), are inaccurately reported in TransUnion. Each of these accounts must be reinvestigated, corrected, and reconciled to accurately reflect the actual balances, statuses, and dates of first delinquency to ensure my credit report is accurate and compliant with FCRA regulations. 
Furthermore, multiple collections are inconsistently or inaccurately reported in violation of FDCPA 809, 807, 808 and FCRA 605 ( a ) / 605 ( c ). XXXX XXXX shows a balance of {$1900.00} across all three bureaus. XXXX XXXX, with original creditor XXXX, is reported with a {$1600.00} balance in all three bureaus. Additionally, XXXX XXXX XXXXXXXX ( {$750.00} ) and XXXX ( {$590.00} ) appear in Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$750.00} ) in TransUnion. These accounts include duplicate reporting, inconsistent balances, and outdated information. I request a full reinvestigation of all accounts, including verification of balances, original creditors, and dates of first delinquency, and require that all unverifiable or inaccurate information be promptly corrected or removed as mandated under FCRA and FDCPA. Please provide written confirmation of the results of your investigation in accordance with FCRA 611.

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