vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: AL

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
Consumer complaint received 2025-11-06 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 am submitting a dispute regarding the following items on my TransUnion credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX, I am writing to dispute the following accounts on my credit report under the Fair Credit Reporting Act ( FCRA ). These accounts were inaccurately reported, and I respectfully request a thorough investigation and resolution of the issues outlined below. 

Charged Off Accounts XXXX XXXX XXXX ) Date Open : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account was inaccurately reported as charged off. Please investigate the accuracy of this entry and remove if found to be incorrect or unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX ) Date Open : XX/XX/XXXX Balance : {$16000.00} Dispute Reason : This account has been reported incorrectly. I request a full investigation into the reported balance and status, as it may not be an accurate representation of my credit history. 

Inquiries XXXXXXXX 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 2025-11-06 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: NC

Complaint narrative:
The problem I am having is with experian.com because I have a account with them and I can't get in my account and I can't reach Experian either I can't change my phone number to get in my account so I can delete old address and phone number on my account that is inaccurate information.

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 2025-11-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-11-06 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: KS

Complaint narrative:
I am filing this complaint to dispute several items on my Equifax credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts in question : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX * * * * * * * * * * *, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} BANKRUPTCY, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX Positive 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Subject : Unauthorized Credit Inquiries and Erroneous Late Payment Data XXXX. Disputed Inquiries The following inquiries appear without my authorization or a permissible purpose : XXXX XX/XX/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 XXXXXX/XX/XXXX, XX/XX/XXXX I request that TransUnion remove any inquiry that can not be verified as authorized by me. 

XXXX. Incorrect Late Payment Data BAYPORTCU Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these accounts payment history and delete or correct any inaccurate late payment information.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a consumer in the process of repairing my credit, and I have identified several discrepancies on my credit report. These discrepancies are as follows : CHARGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-06 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 am disputing the following charged-off accounts that I believe have inaccuracies in reporting, potentially due to incorrect balance amounts or incorrect dates of opening, which XXXX violate the Fair Credit Reporting Act ( FCRA ) and the requirement for maximum accuracy in reporting. 


CHARGED OFF XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$630.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} INQUIRIES I dispute the following inquiries, which I believe XXXX have been made without my authorization or were incorrectly reported. These inquiries are having a negative impact on my credit score, and I request that they be investigated for accuracy and compliance under FCRA XXXX. 

XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT I am disputing the following late payments. These accounts have been reported as late, but I believe that the reporting is either inaccurate or the result of incorrect processing of payment information. The inaccurate reporting of late payments is harmful to my credit score and violates FCRA requirements for accuracy and fairness. 

XXXX OF XXXX, Account Number : XXXX XXXX OF XXXX, Account Number : XXXX XXXX OF XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I respectfully request that Equifax review the following items for accuracy. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Inquiries : XXXX, XX/XX/year> Positive Accounts : XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX HL XXXX XXXX XXXX Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kashable LLC
State: AR

Complaint narrative:
I am disputing the accuracy of an account reported by Kashable LLC, which claims a past-due balance of {$1800.00} and multiple late payments. I have not received the proper documentation to verify the validity of this debt or to confirm that the information being reported is accurate. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that Kashable LLC provide the following : 1. Account-level documentation, including the original signed agreement, complete payment history, and details regarding any charge-offs.

2. A full explanation and itemized breakdown of how the balance was calculated.

3. Proof that Kashable LLC is reporting accurately and has verified the late payment history.

As a data breach victim, I am concerned that this account may be linked to identity theft or an error. Under FCRA 605B, I request a full investigation into possible misidentification or fraudulent activity. 

Suppose proper validation and supporting documentation are not provided within 30 days. In that case, I request that this account be deleted from all credit reports and that all collection or reporting activity cease until the debt is fully validated as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Subject : Funds deducted but not delivered to recipient XXXX failed to resolve the issue within 21 days Description : On XX/XX/year>, I ( XXXX XXXX XXXX added {$1100.00} to my XXXX account using my XXXX Bank card ending in XXXX ( transaction receipt attached ). 

I then selected my regular recipient, XXXX XXXX, and sent {$1100.00} ( including XXXX service fee ). The money was withdrawn from my account, but when I checked the transaction history, I noticed the status showed XXXX XXXX Send and the total deduction was {$1100.00} ( screenshot attached ). 

The next day, my recipient went to a local bank in XXXX to collect the funds, but was told that the reference number was invalid and the money could not be released. 

I immediately contacted XXXX support online and later by phone. A case was opened under XXXX # XXXX after I called their customer service line at XXXX. I have recordings of all conversations with support representatives and can provide them upon request. 

XXXX informed me that the investigation could take up to 21 days. XXXX of the support representatives even admitted that the funds were mistakenly withdrawn by XXXX, but they could not issue a refund until the XXXX period was over. 

Now, more than 21 days have passed, yet I still have not received any resolution or refund. XXXX continues to give no clear information about where my money is. 

The intended recipient is my business partner in XXXX, and this delay has negatively affected our business operations. 

XXXX requesting the CFPB to investigate this issue and help me recover my funds as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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