vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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:
I recently reviewed my credit report and was shocked to find several accounts and inquiries that do not belong to me. I have always taken care to manage my finances responsibly, yet these errors have caused stress and could negatively affect my financial standing. I believe these inaccuracies may have arisen because another person with a similar name or address has been confused with my personal information.XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 recently reviewed my credit report and was shocked to find several accounts and inquiries that do not belong to me. I have always taken care to manage my finances responsibly, yet these errors have caused stress and could negatively affect my financial standing. I believe these inaccuracies may have arisen because another person with a similar name or address has been confused with my personal information.XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/year> Email : XXXX Subject : Dispute of Inaccurate and Non-Compliant Metro 2 Reporting Dear Credit Bureau, I am formally disputing the following accounts appearing on my credit report : 1. SELF Financial / Lead Bank Secured Card 2. SELF / XXXX XXXXXXXX XXXX Secured Loan Both accounts are paid in full and closed, yet the reporting contains material inaccuracies and fails to meet Metro 2 / CRRG industry compliance standards. Specifically, these accounts report incorrect or non-zero balances, missing credit limits, incomplete highest balance data, improper status codes, and duplicate entries. These discrepancies constitute violations of FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 6 ), and Metro 2 / CRRG reporting requirements.

The accounts are currently flagged as under dispute without proper correction or investigation. Metro 2 / CRRG standards require immediate and accurate dispute flag application and removal of duplicates or inaccurate information. Closed accounts must report a {$0.00} balance and accurate status codes, and duplicate reporting is strictly prohibited. 

I hereby request the following corrective actions immediately : 1. Full deletion of all duplicate accounts 2. Correction or deletion of all inaccurate account data, including balances, credit limits, status codes, and dates of opening/closing 3. Proper Metro 2-compliant dispute flagging applied to these accounts 4. Written confirmation of all corrections or deletions Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), state regulatory authorities, and potential legal action under the Fair Credit Reporting Act ( FCRA ). 

Attached are copies of my credit report pages and documentation confirming payment and account closure. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that us being reported on my credit file .this letter XXXX XXXX formal notice under the fair credit reporting act ,15 u.s.c 1681i, to dispute accacuary and completeness of the following account listed on my credit report this account is reporting a charge off with an incorrect balance, which I believe is inaccurate and misrepresents the true amount owed .under the FCRA 1681i, I have the right to dispute information, and you are required to investigate my dispute and correct or delete any information found to be inaccurate or unverfiable. 
I am requesting a full investigation into this account and its reported balance, verification of the debt a detailed breakdown of how the reported balance was calculated and removal of this item if it can not be fully verified with accurate, complete, and up to date records from the furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TransferWise Ltd
State: DE

Complaint narrative:
On XX/XX/2025, I initiated a transfer of {$2900.00} from my business checking account with XXXX XXXX to Wise US Inc. to fund a payment. Shortly afterward, I decided to cancel the transfer. The Wise platform confirmed that I had canceled the transaction before the funds were deposited into my Wise account. 

Despite this, on XX/XX/2025, Wise still debited {$2900.00} from my XXXX  account via ACH ( ACH Trace ID : XXXX ). The debit posted even though the transfer had been canceled. Immediately after, Wise closed my account without explanation and without providing access to my funds. 

I contacted Wise multiple times requesting : ( 1 ) confirmation of the status of the canceled transfer, ( 2 ) the location of the {$2900.00} withdrawn, and ( 3 ) the procedure to return the funds. Wise did not provide these answers and only stated my case was under investigation. No refund has been issued and I have been denied access to my own money. 

Wises actions constitute an unauthorized withdrawal and wrongful retention of funds after cancellation. Their refusal to provide transaction documentation and resolution violates consumer rights under Regulation E ( Electronic Fund Transfers Act ) and creates a severe financial burden for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
The company had a security breach which mad unknown assailants have access to my information and now Im not recognizing some of the information thats being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute and request the removal of several accounts and collections that have appeared on my credit report, as they are inaccurate and do not belong to me. I have never opened, authorized, or consented to the accounts, charge-offs, or collections listed below. These items were reported without my knowledge or permission and have caused significant hardship. 
The late-closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$0.00} and is being reported in a manner inconsistent with the FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). This reporting is inaccurate and should be removed to reflect my true credit history. 
Additionally, the charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$3300.00} is incorrect and was reported without the proper issuance of IRS Form 1099-C, as required under FCRA 607 ( b ). The account is not mine and should be deleted from my credit file. 
Furthermore, the charged-off account XXXX XXXX XXXX  shows a balance of {$0.00} and is reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2. This item is also inaccurate and should be removed immediately. 
Lastly, the collection account XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} * *, is being reported in violation of 605B / 15 U.S.C. 1681c-2. This account does not belong to me, and its continued reporting is damaging my credit profile unfairly. I request that your office investigate and remove this account as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 filing a complaint to formally dispute and request the removal of several accounts and collections that have appeared on my credit report, as they are inaccurate and do not belong to me. I have never opened, authorized, or consented to the accounts, charge-offs, or collections listed below. These items were reported without my knowledge or permission and have caused significant hardship. 
The late-closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$0.00} and is being reported in a manner inconsistent with the FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). This reporting is inaccurate and should be removed to reflect my true credit history. 
Additionally, the charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$3300.00} is incorrect and was reported without the proper issuance of IRS Form 1099-C, as required under FCRA 607 ( b ). The account is not mine and should be deleted from my credit file. 
Furthermore, the charged-off account XXXX XXXX XXXX  shows a balance of {$0.00} and is reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2. This item is also inaccurate and should be removed immediately. 
Lastly, the collection account XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} * *, is being reported in violation of 605B / 15 U.S.C. 1681c-2. This account does not belong to me, and its continued reporting is damaging my credit profile unfairly. I request that your office investigate and remove this account as well.

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 2025-09-06 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: PA

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXDOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Dear Aidvantage Dispute Department, I am disputing the following student loan tradelines you are furnishing to the credit reporting agencies in my name : Loan Balance : {$1800.00} Loan Balance : {$2000.00} Loan Balance : {$3600.00} Loan Balance : {$1000.00} Loan Balance : {$1800.00} Loan Balance : {$1800.00} Loan Balance : {$1800.00} Loan Balance : {$130.00} Reported as of XX/XX/scrub> 2025.

Legal Basis FCRA 623 ( a ) ( 1 ) ( A ) & ( 8 ) Furnishers must conduct proper reinvestigation and correct disputed information when contacted directly.

15 U.S.C. 1681e ( b ) You must assure maximum possible accuracy.

15 U.S.C. 1681c-2 If a consumer submits an identity theft report, any account resulting from identity theft must be blocked and deleted within 4 business days.

15 U.S.C. 1681c-3 Conflicting and inconsistent reporting across bureaus constitutes inaccuracy and requires deletion.

Inaccurate and Conflicting Reporting Your reporting is inconsistent and inaccurate : These accounts remain derogatory on XXXX  and XXXX.

These accounts have been completely deleted from XXXX.

This inconsistency demonstrates unreliability and a lack of verifiable accuracy.

Identity Theft Claim I am a documented victim of identity theft. Accounts that can not be proven with original wet-ink signed contracts are to be considered fraudulent.

Enclosed is my Identity Theft Report [ FTC/Police Report ]. Under 15 U.S.C. 1681c-2, you are required to block and delete any account resulting from identity theft within 4 business days of receipt.

DEMAND 7 DAYS You are required to : 1. Provide the original wet-ink signed promissory notes for each loan.

2. Provide accounting histories showing how the balances were calculated.

3. Provide documentation proving your legal authority to collect and furnish these accounts.

4. If you can not provide this validation, immediately delete these accounts from XXXX  and XXXX  in line with XXXX  deletion.

Intent to Sue If you fail to comply, I will file complaints with the CFPB, the U.S. Department of Education, and pursue legal action under the FCRA and other consumer protection statutes.

I will seek statutory damages, actual damages, punitive damages, and attorneys fees for willful noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Account : XXXX XXXXXXXX XXXX * This account is listed as a charge-off with a high balance of {$530.00} and an opened date of XX/XX/2022. I have already disputed this account multiple times and requested proper verification under FCRA 609 ( a ) ( 1 ) and FCRA 611 ( a ) ( 1 ), yet no valid proof has been provided. To continue reporting this account without furnishing original signed documents or verifiable evidence from the original creditor is not only misleading but also unlawful. The reporting of this item causes material harm to my creditworthiness, and according to FCRA 602 ( A ), consumer reports must be accurate and fair. If XXXX XXXX or the bureaus can not provide concrete validation beyond automated system responses or generic form letters, this account must be permanently deleted as unverifiable. I am holding the bureau accountable to ensure compliance with federal law, as failure to do so constitutes willful negligence under FCRA 616 and entitles me to remedies under FCRA 617.

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> as the representative of both individuals financial affairs, I mailed to each credit reporting agency notification that both my XXXX XXXX XXXX ( XXXX and XXXX ) are deceased and to close the file and if possible send me acknowledgement reflecting the same. Whether they elect to send me the documentation or NOT, their files should be frozen or expunged to prevent identify theft! That is the only purpose to waste a lot of money mailing a package to them. I included in that package my current DL - by the way we all three have the exact same last name so it's not like there isn't any correlation, both their last valid ID ( DL & Passport ), both Certificate of Death, copy of probate court filing and XXXX  appointment. TransUnion complied with the request ; however I recently received a notice from TU that a cyber breach had occurred and their SSN and DOB were compromised. Experian failed to acknowledge my package or request at all, they simply dismissed it entirely. Equifax sent me the exact same form letters for both, dated XX/XX/year> ( # XXXX XXXX & # XXXX XXXX ) requesting the exact same information i spent a small fortune mailing to them! In otherwards, they completely ignored my mailing to them and proceeded to push a button and send me a form letter stating they can't do anything without my re-sending the exact same documents I had already sent them. NOT GOING TO HAPPEN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
my personal information was exposed to XXXX data breach and my identity was stolen and I do not recognize these accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
my personal information was exposed to XXXX data breach and my identity was stolen and I do not recognize these accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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