vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CADENCE BANK
State: TX

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I previously submitted complaint # XXXX. The company incorrectly stated I am not the customer. I am the individual consumer listed on the credit report in question, and I am requesting reinvestigation under the FCRA 611 and 623.

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 2025-11-12 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting that these collection entries be reviewed and verified, and if they can not be confirmed as accurate, they should be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: AL

Complaint narrative:
In XXXX of XXXX, I was given an eviction notice due to unpaid rent for an apartment that I no longer lived in. They could not meet the requirements for my XXXX and safety which is why I moved out. We contacted my lawyer and they were told to remove the debt in which they did from 2 different credit bureaus but left it on XXXX. The amount of the debt is approximately XXXX dollars and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-11-12 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-11-12 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:
I am submitting to formally dispute several inaccurate items appearing on my credit report. This letter is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants consumers the right to dispute incomplete, inaccurate, or unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Upon reviewing my credit report, I discovered multiple inaccuracies related to personal information, a collection account, and an unauthorized inquiry. These errors do not accurately reflect my personal or financial history and have caused unnecessary concern and potential harm to my creditworthiness. I am requesting a full investigation and correction of the following inaccuracies.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I tried to fill out an FTC form but due to the government shutdown I was not permitted. 
I have contacted each of the credit bureaus and they have have refused to investigate as I have done the research I find that it is very common to ignore my right to dispute. I have mailed via certified mail a copy of an affidavit that I have prepared. These items do not belong to me and I would like them removed. 

I have included a copy of My notarized ID and my Affidavit of truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a Charge of {$1200.00} on XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX on My XXXX XXXX Comenity Charge Card Account. The Services Provided Were Not Safe or Acceptable I have XXXX XXXX XXXX XXXX Several Times from XX/XX/XXXX to Present XX/XX/XXXX Disputing the XXXX Charged, Supplying them with XXXX  Documentation to Support My Claim Repeatedly The Company has Failed to Credit The invalid Charge back to My Account They have done the same with a Former Dispute to another Vendor on XX/XX/XXXXXXXX  in The XXXX of {$800.00}, Repeatedly I have Supplied them with XXXX  Documentation, I rec 'd a letter from them stating they found in my favor they would credit the XXXX back, then they said they would not, it was too late too much time had passed. Despite my contacting them repeatedly and sending in the required documentation I have not been able to drive the car since picking it up from XXXX XXXX it was left on XX/XX/XXXXXXXX  and picked up on XX/XX/XXXX. Further Corrective repairs have been completed, Further are pending Completion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Dear Sir/Madam, I am disputing the following accounts with the credit bureaus. Below are the details of the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX$810.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$170.00} XXXX XXXX XXXXXX/XX/XXXX, {$160.00} XXXX XXXX XXXX {$720.00} Inquiries : XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX XXXX XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 submitting to formally dispute several items currently reported on my credit file that contain inaccurate, misleading, or unverifiable information. This letter is submitted under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which obligate credit bureaus and furnishers to ensure maximum possible accuracy and to correct any information that can not be verified through a lawful investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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 submitting to formally dispute several items currently reported on my credit file that contain inaccurate, misleading, or unverifiable information. This letter is submitted under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which obligate credit bureaus and furnishers to ensure maximum possible accuracy and to correct any information that can not be verified through a lawful investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bounce AI, Inc.
State: LA

Complaint narrative:
Re : Victim of Identity Theft. This is not a mistake or in error I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XX/XX/year> FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.The items found within my credit report that i listed on the following pages are not related to any transaction that I made.I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. Please remove the items as soon as possible. If you think this is not true please swear under penalty of perjury that you were present during these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute, Formal Reinvestigation Request, and Intent to Sue FCRA 1681i ( a ), 1681n & 1681o To Whom It May Concern, This letter serves as a formal dispute, a demand for reinvestigation, and an intent to pursue legal action under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( Reinvestigation of Disputed Information ), 1681n ( Willful Noncompliance ), and 1681o ( Negligent Noncompliance ). 

I have reviewed my credit report and discovered the inclusion of inaccurate and unverifiable information that does not reflect my true credit history. You have failed to maintain reasonable procedures to assure maximum possible accuracy as required by law. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX and Proof Under 1681i ( a ), you are required to conduct a reasonable reinvestigation of these disputed items within 30 days of receipt of this letter. 

I hereby demand that you provide written verification and supporting documentation, including : A copy of the original contract, note, or application bearing my signature ; The name, address, and phone number of each creditor or furnisher associated with these accounts ; and The description of the procedure used to verify each disputed item, as required within XXXX XXXX after completion of your reinvestigation. 

If such documentation can not be provided, the disputed items must be immediately deleted from my credit file, and updated reports must be sent to all creditors or entities that have received my report within the last XXXX months ( or XXXX years for employment purposes ). 

Intent to XXXX and Claim for Damages Please consider this notice of my intent to file a civil claim against your organization for failure to comply with the FCRA. Should you continue reporting inaccurate, incomplete, or unverified information, I will pursue statutory damages of {$10000.00}, plus attorneys fees and punitive damages, for willful and negligent noncompliance under 1681n and 1681o. 

This is a good-faith effort to resolve this matter without litigation. I expect full compliance and written confirmation of your reinvestigation within the statutory period. 

Thank you for your prompt attention. Please direct all correspondence to my address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation