vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 this dispute due to inaccurate, inconsistent, and unverifiable information appearing on my TransUnion credit report. Under the Fair Credit Reporting Act, TransUnion is required to maintain accurate reporting, which does not appear to be the case for the following items. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$3000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$240.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$2100.00} ) These accounts reflect multiple reporting inconsistencies, including repeated entries, conflicting dates, and inaccurate balances. 

Late Payments XXXX XXXX XXXXXXXX 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 2025-12-28 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: OK

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
I am reporting inaccurate and inconsistent credit reporting related to my XXXX XXXX  account. On XX/XX/year> Equifax reported my account as Not more than XXXX payments past due ( XXXX ), even though previous reporting reflected Pays account as agreed. The balance also changed from {$140000.00} to {$150000.00} without explanation. I have submitted multiple complaints and notices regarding reporting issues and discrepancies and have withheld payment until these inaccuracies are corrected. I fully intend to bring the account current once the reporting and account concerns are resolved. Despite notice and opportunity to correct, the inaccurate reporting continues and is negatively affecting my credit. I am requesting review under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: WI

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Equifax credit report. Equifax is obligated under the FCRA to report only information that is complete, accurate, and verifiable. 

Charged-Off Account XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/year> Balance : {$200.00} This account is inaccurately reported as charged off. Equifax has not provided sufficient documentation proving the accuracy, balance, or legal basis for reporting this account. If verification can not be completed, deletion is required. 

Late Payments XXXX XXXX Account # : XXXX DEPT OF ED / XXXX Accounts # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX These late payment entries are disputed due to inconsistent reporting and lack of supporting documentation. Any late payment that can not be fully verified with payment history must be removed. 

Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: AL

Complaint narrative:
I am disputing inaccurate and incomplete information currently appearing on my TransUnion credit report. TransUnion must conduct a reasonable investigation and ensure that all reported data is accurate and verifiable. 

Charged-Off / Negative Accounts XXXX  Case No. XXXX Filed XX/XX/XXXX Balance {$0.00} XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$590.00} DEPT OF ED / XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} DEPT OF ED / XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} DEPT OF ED / XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} DEPT OF ED / XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ( duplicate ) XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$470.00} These accounts show duplication, outdated reporting, and inconsistent balances that must be verified or removed. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries. If TransUnion can not provide proof of permissible purpose, these inquiries must be deleted. 

Late Payment Reporting XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments are inaccurate and misleading and must be fully investigated.

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 2025-12-28 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 this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts in Dispute XXXX  XXXX Account No : XXXX Date : XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX Date : XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX XXXX XXXX Account No : XXXX Date : XX/XX/XXXX Reported Balance : {$9300.00} I dispute these items as inaccurate or unverifiable. Please conduct a full reinvestigation and provide a copy of all records used to verify the accounts.

Late Payment in Dispute XXXX  Account No : XXXX I request that this late payment be verified or removed if proof can not be provided.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
b"I want to dispute these accounts   because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges.  I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit reportXXXX 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 2025-12-28 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that Experian is reporting on my consumer credit file. I have reviewed my Experian credit report and identified multiple items that are not being reported in a fair or accurate manner as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Charged-Off / Derogatory Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had an open repossession with Capital One. I was able to call them and make payments. I paid off the debt in the settlement offer that they gave me and I would like for them to remove the collections from my credit report completely. Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 am submitting this statement to dispute several inaccurate and potentially unverifiable accounts and inquiries appearing on my Experian credit report. 

Charged Off Accounts in Dispute : XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$560.00} XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$1300.00} These accounts appear to be duplicates or inaccurately reported. I do not have any verified documentation from XXXX XXXX XXXX validating these debts, nor do I recall authorizing them. I request that Experian investigate and provide verification of ownership, accuracy, and completeness, or remove the accounts from my credit file. 

Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these hard inquiries. I request that Experian confirm whether valid written authorization was obtained for each inquiry. Any unverified or unauthorized inquiry should be removed immediately. 

No positive or late payment accounts are being disputed at this time.

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 2025-12-28 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: Kikoff Inc.
State: TN

Complaint narrative:
I was XXXX  from XX/XX/XXXX to early this year in XXXX. Any accounts prior to this are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX : $ XXXX have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All three Credit Bureau, failed to update my credit report Equifax, Experian, Trans-Union

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 2025-12-28 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 three Credit Bureau, failed to update my credit report Equifax, Experian, Trans-Union

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX has re-assigned a debt to Portfolio Recovery after it was recently closed and returned by XXXX. Why? This account is not mine. Why? ID stolen, bank accounts hacked, and someone impersonating me with phone number ending in XXXX. Comprehensive evidence was provided to XXXX and XXXX. The account was CLOSED and properly returned to XXXX. I am now filing the same complaint against Portfolio Recovery for attempting to pursue this illegal debt. Any more attempts to collect on this account will result in additional escalations due to the on-going harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate information appearing on my Equifax credit report. I am simply trying to ensure my credit report is fair, accurate, and complete. 

Charged-Off / Collection Accounts I dispute the reporting of the following accounts : XXXXXXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX  Acct XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$20000.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$210.00} ) Several of these accounts show XXXX balances but continue to negatively affect my credit, while others appear inaccurately dated or reported. I am requesting Equifax verify the accuracy of these accounts and remove or correct any item that can not be substantiated. 

Credit Inquiries I am disputing the following inquiry : XXXX XXXX ( XX/XX/XXXX ) I do not recall authorizing this inquiry and request Equifax verify it or remove it. 

Late Payment Reporting I dispute the late payment history being reported on the following accounts : XXXX Acct XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX Acct XXXX The late payment reporting on these accounts is inaccurate or incomplete and should be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief