vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am disputing inaccurate items on my credit report dated XX/XX/XXXX. Please reinvestigate and correct the following : XXXX. XXXXXXXX XXXX XXXX Acct ending XXXX XXXX  reports as charge-off with {$0.00} balance and no payment history, while XXXX  shows repeated CO/late codes in XXXX even though the account was closed in XX/XX/XXXX. Payment history after closure is not accurate. Please correct. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Acct ending XXXX TU reports charge-off with {$0.00} but no history, while XXXX shows impossible late counts. Please verify and correct late history. 
3XXXX XXXX XXXX  Acct ending XXXX XXXX XXXX XXXX XXXX XXXX shows charge-off {$0.00} but no history. XXXX reports CO through XXXX  after closure, while XXXX reports OK. Remove post-closure lates. 
XXXX. XXXX XXXX XXXX Acct ending XXXX XXXX  shows charge-off with {$0.00} and no history ; XXXX reports XXXX which is not possible. Please verify and update. 
XXXX. XXXX XXXX Acct ending XXXX XXXX reports {$140.00} charge-off, {$0.00} owed. XXXX shows XXXX which is false. Please correct. 
XXXX. XXXX XXXX Acct ending XXXX XXXX reports charge-off closed, {$200.00}. XXXX shows COs after closure in XXXX. Remove inaccurate post-closure reporting. 
XXXX. XXXX Acct ending XXXX XXXX  shows Indeterminate. Payment history differs across CRAs. Please verify DOFD and update consistently. 
Please provide written results of your reinvestigation, including the Date of First Delinquency ( DOFD ) for each account. Any unverifiable item must be deleted.

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 2025-10-02 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 items on my credit report dated XX/XX/XXXX. Please reinvestigate and correct the following : XXXX. XXXXXXXX XXXX XXXX Acct ending XXXX XXXX  reports as charge-off with {$0.00} balance and no payment history, while XXXX  shows repeated CO/late codes in XXXX even though the account was closed in XX/XX/XXXX. Payment history after closure is not accurate. Please correct. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Acct ending XXXX TU reports charge-off with {$0.00} but no history, while XXXX shows impossible late counts. Please verify and correct late history. 
3XXXX XXXX XXXX  Acct ending XXXX XXXX XXXX XXXX XXXX XXXX shows charge-off {$0.00} but no history. XXXX reports CO through XXXX  after closure, while XXXX reports OK. Remove post-closure lates. 
XXXX. XXXX XXXX XXXX Acct ending XXXX XXXX  shows charge-off with {$0.00} and no history ; XXXX reports XXXX which is not possible. Please verify and update. 
XXXX. XXXX XXXX Acct ending XXXX XXXX reports {$140.00} charge-off, {$0.00} owed. XXXX shows XXXX which is false. Please correct. 
XXXX. XXXX XXXX Acct ending XXXX XXXX reports charge-off closed, {$200.00}. XXXX shows COs after closure in XXXX. Remove inaccurate post-closure reporting. 
XXXX. XXXX Acct ending XXXX XXXX  shows Indeterminate. Payment history differs across CRAs. Please verify DOFD and update consistently. 
Please provide written results of your reinvestigation, including the Date of First Delinquency ( DOFD ) for each account. Any unverifiable item must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: AL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$4800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This eviction entry is false, unverifiable, and damaging to my rental history. I did not authorize or consent to such reporting, and it grossly misrepresents the facts of my tenancy. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am demanding an immediate reinvestigation. If the eviction record can not be fully substantiated with verifiable documentation from the property management company, it must be deleted without delay from my rental history 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that Experian, Equifax, and TransUnion update and correct my personal information in my credit reports. My files contain multiple names and addresses that are inaccurate and do not belong to me, which constitutes false and misleading reporting. In addition, there are several hard inquiries that I did not authorize, which are damaging my credit profile.I have the right to have inaccurate, incomplete, or unverifiable information investigated and 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CFPB Complaint Submission New Dispute Consumer : XXXX XXXX Respondents : Capital One & Experian Subject : False, Inaccurate, and Unverifiable Capital One Accounts Improper Reporting I am filing a new complaint against Capital One and Experian regarding XXXX Capital One accounts that continue to be reported inaccurately and unlawfully as of XXXX XXXX. 

Accounts in Question ( Experian reporting ) : Capital One Account # XXXX Balance {$3700.00} | XXXX XXXX {$3000.00} | XXXX potentially negative months | Balance last updated XX/XX/XXXX. 

Capital One Account # XXXX Balance {$510.00} | Credit Limit {$300.00} | XXXX potentially negative months | Balance last updated XX/XX/XXXX. 

Issues with Reporting False Ownership and Wrong Phone Number Capital Ones XX/XX/XXXX letter claims these accounts belong to me and associates them with phone number ( XXXX ) XXXX. That number is not mine it belongs to my husband, XXXX XXXX. This proves XXXX Ones records are inaccurate and unreliable. 

Charge-Offs with Balances ( XXXX XXXX XXXX ) Both accounts are reported as charge-offs while still showing active balances ( {$3700.00} and {$510.00} ). Under XXXX XXXX standards, charged-off accounts should not continue to reflect an active outstanding balance unless liability is fully validated. Capital One has not produced a signed credit agreement or full account history, yet Experian continues to update these accounts. 

Unlawful Re-Aging of Delinquencies Experian continues to display potentially negative months ( 14 months, 9 months ) into XXXX, despite the fact that the accounts were already charged off earlier in XXXX. This is unlawful re-aging, artificially extending derogatory reporting beyond the FCRAs XXXX limit. 

XXXX XXXX In response to disputes, Capital One only produced billing statements. These do not prove contractual liability, do not provide itemized billing history, and do not establish how balances were calculated. Under FCRA XXXX ( a ), this does not meet the standard of a reasonable reinvestigation. 

Violations FCRA XXXX ( a ) : Failure to conduct reasonable reinvestigation. 

FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable information.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

Metro 2 Standards : Improper reporting of charge-offs with balances and unlawful re-aging.

Requested CFPB Action I request the CFPB direct Capital One and Experian to : Delete the two Capital One accounts as unverifiable. 

Correct records to remove the false phone number attribution. 

Ensure compliance with XXXX XXXX and FCRA reporting standards. 

Provide written confirmation of deletion and correction. 

Capital Ones OXX/XX/XXXX letter itself proves their records are flawed, and Experians ongoing updates show these accounts are being mishandled and unlawfully reported. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to formally address multiple unauthorized inquiries on my credit report, which I believe to be fraudulent and potentially connected to identity theft. Upon reviewing my report, I discovered several inquiries from companies with which I have had no interaction, nor have I applied for any new credit or granted consent for these checks. Despite previously disputing these inquiries, they remain on my credit report, which is unacceptable. Their continued presence raises serious concerns about the security of my personal information and the potential misuse of my identity, causing me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
AGAIN, I disagree with your investigation response. The UNAUTHORIZED items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. You have yet to provide me with proof of these inaccuracies are highly injurious to my credit rating. I have yet to receive any verification that has been requested. Again, please validate via 15 U.S. Code 1681 Section 609 ( a ) ( 1 ) ( A ) through the physical verification of the original signed consumer contract proving I consented to the furnishing or remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This complaint doubles as a formal debt validation request to Midland Credit Management, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that Midland Credit Management is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$65000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$210.00} INQUIRIES : 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 2025-10-02 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: IL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXX - 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Subject : Incorrect Date of Birth Reported by Experian Request for Correction To Whom It May Concern : I am writing to file a formal complaint regarding an inaccuracy in my Experian credit report. Upon reviewing my credit information using the XXXX  XXXX XXXX XXXX, I discovered that Experian has incorrectly listed my date of birth as XX/XX/year>. My correct and legal date of birth, as documented on my birth certificate and reflected accurately by both XXXX and XXXX, is XX/XX/year>. ( See Exhibit A. ) Furthermore, when I access my Experian credit report online, the year XXXX  is visible under the " Year of Birth '' section, but the specific month and day are not displayed, making it impossible to verify the full accuracy of the information presented. This omission, coupled with the incorrect reporting, raises serious concerns particularly in the context of potential identity theft or a data breach. ( See Exhibit B. ) I respectfully request that Experian promptly correct my date of birth to reflect XX/XX/year>, in accordance with my legal documents and consistent with the records held by the other two major credit reporting agencies. 
Thank you for your time and attention to this matter. I trust Experian will investigate and take appropriate action to ensure that Experian updates my credit file accurately. 
Sincerely, 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