vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 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 2025-11-27 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:
Please review the materials provided ; the inquiries arrived unexpectedly and might lack approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 am writing to file a formal dispute regarding the accuracy and completeness of the information reported by the credit bureaus. Below are the accounts in dispute separated by bureau : CHARGED XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} LATE PAYMENTS XXXX XXXX  Account Number : XXXX 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 explanation
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am writing to dispute several accounts reported on my credit reports with TransUnion. Please find the details of the accounts in dispute below, separated by each bureau for your reference. 

Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} Late Payments : XXXX 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 explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I am filing this complaint against XXXX  regarding a missing referral reward that was explicitly promised to me upon signing up. 

- On XX/XX/year>, I signed up for my XXXX  Account with email " XXXX '' with my friend 's referral code and completed a {$110.00} Instant Buy Order on XX/XX/year>, to fulfill the referral reward promotion. 

- On XX/XX/year>, I received an official email from XXXX  ( XXXX : XXXX ) with the subject line " Congrats on achieving Recruit status! '' This email stated : " You've earned {$50.00} in the crypto of your choice since you achieved Recruit status. '' - According to XXXX  's " Referral Rewards Program Terms '' ( Section XXXX ), " Recruit Referral '' rewards are to be " Paid 32 days after sign-up to confirm legitimate participation. '' - It has now been more than 32 days since I qualified for this status and created my account, while my account is open, active, and in good standing. 

Despite meeting all requirements and receiving written confirmation of my earnings, XXXX  has failed to deposit the {$50.00} reward into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Can you inspect this entry? It may be late and mistaken.

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 2025-11-27 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: AZ

Complaint narrative:
Could you assess this entry? It seems late and possibly inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I am submitting this complaint because there are several items on my credit report that are incorrect, unfamiliar, and not verified. These inaccurate entries are affecting me negatively and I need them reviewed and corrected as soon as possible. 

Wrong Address Reporting The following address is showing on my credit file, but I have never lived there and have no connection to it : XXXX XXXX XXXX XXXX, SC XXXX Wrong Address I am requesting that this address be removed from my report. 

Charge-Off Accounts I Do Not Recognize I do not have any knowledge of the accounts listed below. I have not been provided verification or proof that these accounts belong to me. I am requesting that they be deleted from my report : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$810.00} XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} Collection Accounts ( Not Mine / No Proof Provided ) The following collection accounts are not familiar to me and I have not seen any proof of ownership. I am requesting removal of both accounts : XXXX  XXXXXXXX XXXX High Balance : {$1300.00} | Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX High Balance : {$1400.00} | Opened : XX/XX/XXXX Unauthorized Inquiry The following inquiry is showing on my credit report, but I did not authorize it : XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Inquiry ) I request this inquiry be removed. 

What I Am Requesting I respectfully ask CFPB to review this information and require the credit bureaus and furnishers to : Verify these accounts with proper documentation Delete any item that can not be fully proven or belongs to someone else Remove the wrong address and unauthorized inquiry I would like written confirmation once the investigation is completed. 

Thank you for your time and assistance.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain accounts on my credit report that are inaccurate and have a negative impact on my credit. Below are the details of the disputed accounts, categorized by the credit bureau : Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, Balance : {$460.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$50.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$8900.00} Inquiries XXXX XXXX, XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am disputing the following items on my Experian credit report : Charged Off : No accounts listed for dispute. 

Inquiries : XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Positive : No accounts listed for dispute. 

Late Payments : 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 2025-11-27 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:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, separated by bureau. 

Charged Off : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} Late Payment : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX 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 explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
All XXXX  credit card accounts ( XXXX, XXXX XXXX, and XXXX ) were handled under a single settlement agreement through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agreement started on XX/XX/XXXX. Payments were made through the law firm, and all accounts were negotiated, settled, and closed on XX/XX/XXXX, after I had to push for a settlement because the law office would not proceed until I informed them that my credit score had dropped so low it was financially harmful and I could no longer even secure an apartment on my own. The firm assured me the accounts would reflect the settlements with no late payments or charge-offs on XX/XX/XXXX when I inquired about it. In the same email they promoted another paid service they could offer me to fix any remaining inaccuracies, which I declined, as the process hindered me financially so much I no longer trusted the process or that they had my best interest. 

XXXX, TransUnion, and XXXX  report these accounts inconsistently, with inaccurate dates of first delinquency, late payments, and charge-off status. None of these accounts should be marked as charge-offs, as the entire process lasted from XX/XX/XXXX to XX/XX/XXXX, a total of 109 days. A charge-off typically occurs at 180 days. In addition, all accounts were notified that I had retained a lawyer on XX/XX/XXXX, and my lawyers took over communication to negotiate and settle. The credit card companies were informed by my lawyers of the monthly payments I made into a shared account for them to show that I was still making good-faith payments while negotiations were ongoing. I have attempted to dispute these reports multiple times, but the information remains inconsistent across all bureaus. 

As of XX/XX/XXXX, here is the reporting status : XXXX : XXXX  reports a XXXX delinquency in XX/XX/XXXX ; account paid in full and closed XX/XX/XXXX. TransUnion reports 60 days late ; XXXX  reports charge-off XX/XX/XXXX. 

XXXX XXXX : XXXX  reports XXXX delinquency ; XXXX  reports XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, and charge-off XX/XX/XXXX. Account paid and closed per settlement. 

XXXX : XXXX  reports charge-off XXXX XXXX ; TransUnion reports XXXX XX/XX/XXXX ; XXXX  reports charge-off XX/XX/XXXX. Payments were coordinated through the law firm and completed XX/XX/XXXX. 

The reporting discrepancies among the XXXX credit bureaus are causing false negative credit marks that inaccurately hinder me and do not reflect my very good, long-standing credit history of 18 years and 3 months. Supporting documentation from XXXX XXXX XXXX XXXX XXXX is attached.

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 2025-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my credit report ive noticed some inquiries that are not mine i teported this information to the credit bureau in question and was told the ingormation would be deleted i have recived no further information into the deletions of these inquiries i have no financed linked account with any of these companies

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 2025-11-27 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 explanation
Consumer complaint received 2025-11-27 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'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-11-27 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have requested the collection agency proove that they own the debt and rather they have ignored these requests, and continue to report the debt to my credit. 

They failed to do so within the allowed 30 days and continue to report have reported the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
DEAR SIR/MADAM, I am writing to formally dispute the following accounts that are inaccurately reported on my credit report. Below is the detailed information for each bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} Late Payment : XXXXXXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2025-11-27 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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