vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information appearing on my credit reports from all three nationwide credit reporting agencies, dated XX/XX/XXXX. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these agencies have reported multiple errors, including incorrect personal information, outdated addresses, inconsistent account data, and unauthorized hard inquiries.

The issues include : 1. Incorrect Personal Information Name variations not my legal name : XXXX XXXX XXXX and XXXX XXXX ( missing last name ). 
Outdated addresses : XXXX XXXX XXXX, XXXX NC XXXX and XXXX XXXX XXXX, XXXX NC XXXX no active accounts linked. 
FCRA Violations : 609 ( a ) ( 1 ), 611 2. Negative and Potentially Inaccurate Accounts XXXX XXXX reporting with inconsistent balances and dates ; possible re-aging. ( 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) XXXX XXXX XXXX with illegal monthly CO updates and inconsistent dates. ( 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) XXXX XXXX XXXX XXXX  Conflicting status ( Paid in full less than full balance vs Charge-off ). ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX Late payment history inconsistent across bureaus ; unverifiable. ( 611 ( a ), 623 ( b ) ) XXXXXXXX XXXX XXXX XXXXXXXX / XXXX Multiple student loans with no signed Master Promissory Note ( MPN ) or proof of chain of custody ; unverifiable balances. ( 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Conflicting statuses across bureaus ; unverifiable. ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX Inaccurate late payment ( XX/XX/XXXX days ) for short-term loan ; possible Statute of Limitations violation. ( 605 ( a ), 623 ( a ) ( 1 ) ( A ) ) 3. Reporting Discrepancies XXXX  XXXX ( Multiple Cards ) Incomplete bureau reporting ; missing data violates accuracy requirement. ( 623 ( a ) ( 1 ) ( A ) ) REGIONAL FINANCE Closure date discrepancy across bureaus. ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX ( Older Loans ) Accounts from XXXX still showing XXXX update dates ; possible re-aging. ( 605 ( a ) ) 4. Unauthorized Hard Inquiries I did not authorize these creditors to access my credit file. Reporting them violates FCRA 604 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Self Financial Inc.
State: IL

Complaint narrative:
SELF LEAD BANK did not due an investigation of my report. My account shows that it has been charged off each month from XXXXXXXX XXXX XXXX  until XXXXXXXX XXXX XXXXXXXX this report states that it was charged off and still reporting late. This must be removed for all inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My credit report is showing my school loan multiple times. I have one loan for XXXX and another for XXXX total loan balance is XXXX. Experian shows a total balance of XXXX. Same account numbers and balance. I have disputed a couple times but with no indication that someone is actually reviewing the accounts. I need the information corrected. Im not disputing that I owe on the loans. My dispute is the duplicate loan 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am disputing multiple inaccurate, incomplete, and/or unverifiable accounts on my XXXX XXXX and XXXX credit report dated XX/XX/scrub>, 2025. These include charged-off accounts, accounts marked as included in bankruptcy without proper court validation, and a public bankruptcy record sourced from a third-party database rather than directly from the court.

The specific issues include : Reporting balances and payment histories that do not match original creditor records.

Failure to provide original signed agreements and complete payment ledgers.

Associating multiple accounts with a bankruptcy case without court documentation linking them.

Reporting a bankruptcy public record without a certified court copy, in violation of FCRA 1681k.

I have requested verification under the Fair Credit Reporting Act ( FCRA ) 611, 623, and 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy and to delete unverifiable information within 30 days. These items remain on my report despite being unverifiable, incomplete, and inaccurate.

This has negatively impacted my creditworthiness, caused financial harm, and continues to misrepresent my credit history to potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-08-14 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Re : Fraudulent Accounts Request for Blocking Under FCRA 605B To Whom It May Concern : I am a victim of identity theft. The following accounts on my XXXX  credit report are not mine and were opened without my authorization : XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX ) Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX  ) Acct # XXXX Under the Fair Credit Reporting Act Section 605B, you are required to block these fraudulent accounts from my credit file within 4 business days.

Enclosed : - Copy of my FTC Identity Theft Report - Police Report ( if available ) - Government-issued photo ID - Proof of address ( utility bill ) Please confirm in writing that these items have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-08-14 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: NC

Complaint narrative:
pursuant to my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the fair Debt collection practices Act ( FDCPA ), specifically section 809 ( 15 U.S.C.1692g, I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt.I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specificallysection 809 ( 15 u.s.c.1692g ), I request validation of this debt.please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Experian as of recently regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both XXXX  XXXX and XXXX XXXX which I have been getting treatment for and along with this I recently suffered with an event that has caused XXXX XXXXXXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law.

I demand Experian to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

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 2025-08-14 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.code 1681i procedure in case of disputed accuracy, and 15 U.S. code 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed MY credit report and wish to ensure that all the information is 100 % correct and accurate Below are the accounts I am requesting to be reinvestigated : * * Account name : XXXX XXXX XXXX * * Account NUMBERXXXX 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, I reviewed my Equifax credit report and found multiple positive tradelines that are reported accurately by XXXX  and XXXX  but are missing from Equifax. The missing accounts include major revolving and installment accounts, such as a {$78000.00} auto loan, a {$3700.00} credit card, an {$18000.00} credit line, multiple student loans in deferment until XXXX, and several closed accounts with perfect payment histories.

The absence of these accounts on my Equifax report negatively impacts my credit score, utilization ratio, credit age, and credit mix. This is a violation of FCRA 607 ( b ) ( failure to assure maximum possible accuracy ) and 611 ( failure to conduct a proper reinvestigation ).

Additionally, my Equifax report contains several unauthorized hard inquiries with no permissible purpose under FCRA 604, including inquiries from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These inquiries were not authorized by me and are damaging my credit profile.

I have already sent Equifax a formal written dispute, including proof from XXXX  and XXXX, requesting the missing accounts be added and the unauthorized inquiries be deleted. I am requesting that the CFPB compel Equifax to update my report to include all positive tradelines, remove the unauthorized inquiries, and provide me with an updated report reflecting the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

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 2025-08-14 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation