vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute regarding the following accounts on my credit report, as I believe they contain inaccuracies. I respectfully request a thorough investigation and resolution. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Dispute Reason : The charge-off status appears to be inaccurate. Please verify and provide supporting documentation. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Dispute Reason : This account is inaccurately reported as charged off. Please provide verification and documentation. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Dispute Reason : The account appears inaccurately reported as charged off. Please verify and provide supporting documents. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Dispute Reason : Please verify and provide documentation for this charged-off account. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Dispute Reason : This account is inaccurately reported as charged off. Please provide verification and documentation. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Dispute Reason : The charge-off entry is incorrect. I request verification and supporting documentation. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Dispute Reason : Please verify and provide documentation for this charge-off entry. 

Late Payment Accounts : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : The late payment reporting for this account is disputed. Please verify and correct. 

XXXX Account XXXX : XXXX Dispute Reason : The reported late payments for this account seem inaccurate. Please verify and correct. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Please verify and correct the reported late payments.

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 2025-11-07 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 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: MI

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Inaccurate Reporting of Charge-Off Account Account : XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB Representative, I am filing this complaint against the inaccurate and misleading reporting of a charged-off auto loan account appearing in my Experian and TransUnion credit reports. This account is being reported inconsistently and incorrectly across credit bureaus. 

Details of the Account in Question Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Auto Loan / Installment Account Responsibility : Individual Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Balance : {$21000.00} Status : Charged Off Reported Past Due Balance ( as of XX/XX/XXXX ) : {$2100.00} Balance Updated : XX/XX/XXXX High Balance Reported ( XXXX ) : {$21000.00} Estimated removal date ( Experian ) XXXX XXXXXX/XX/XXXX Estimated removal date ( TransUnion ) : XX/XX/XXXX Summary of the Violation This account was closed on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. However, Experian and TransUnion continue to report balance updates, past due amounts, and high balances as of XXXX, which is factually inaccurate and misleading. 

Such post-closure updates violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report only accurate and verifiable information.

Additionally, these updates contradict 15 U.S.C. 1681i, which requires prompt correction or deletion of disputed inaccurate information.

Notably, Equifax does not report this account at all, confirming inconsistency and raising serious doubts about the accuracy of the data provided to Experian and TransUnion.

Requested Action I respectfully request that the CFPB : Investigate this inaccurate and misleading reporting by Experian and TransUnion.

Require immediate deletion or correction of this account to accurately reflect its closed status as of XX/XX/XXXX. 

Confirm in writing the results of your investigation and any actions taken to ensure compliance with the FCRA. 

This inaccurate reporting continues to harm my creditworthiness and is inconsistent with federal consumer protection standards. I am attaching copies of my Experian and TransUnion credit reports highlighting the errors described above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am writing to dispute the following accounts and inquiries that have been reported on my Equifax credit report. The accuracy of these entries is in question, and I request that they be investigated thoroughly. If the information can not be verified, I respectfully request the removal of these items from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the items in dispute : Disputed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Snap Credit, Inc.
State: MO

Complaint narrative:
A table and other products were purchased with a credit card issued for 1-time purchase in accordance with Credit Keys loan outline for using credit cards with credit line ability.

A table was purchased through XXXX, but arrived completely damaged. I reached out to kohls who stated that since the purchase was from their marketplace, a refund could not happened without disputing it and a requesting a chargeback. This was per XXXX!!! 

I reached out to Credit Key and their card merchant but no one will assist to resolve it. This has occurred 4+ times with Credit Key and 3 times with their credit merchant. They waited so long, playing their games, that 45 days have passed, making clearing this up nearly impossible.

I was told I would get an email, a call, and resolution to the dispute, but NOTHING has happened and Im being charged for a broken table. Its unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-07 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-07 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: NY

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 2025-11-07 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: TomoCredit Inc.
State: MI

Complaint narrative:
Tomo credit committed fraud by allowing a charge to my credit card I did not authorize. They then refused to cancel whatever it is their service is, continued to add products to be charged, and even keep deleting my requests to cancel immediately, as it is fraud. They have not responded at all to my requests, only saying I can not cancel without a phone chat first that is not even available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 a victim of identity theft and am filing this complaint based on Florida law. I have completed a " STATEMENT OF IDENTITY FRAUD '' affidavit in XXXX XXXX, Florida, detailing the theft. My information was stolen and used to open fraudulent accounts. 

I sent a formal dispute to Equifax on XX/XX/XXXX, which included my identity theft affidavit and supporting documents. As of today, I have not received a response, and the fraudulent information remains on my credit report. 

This is a formal request for the immediate removal of the following unauthorized inquiries and fraudulent collection accounts : Unauthorized Inquiries : Vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am writing to formally dispute multiple inaccurate and unverifiable entries on my credit report, which have caused significant distress and potential harm to my financial standing. I request immediate investigation and correction/deletion of these entries under the Fair Credit Reporting Act ( FCRA ). 

The following inaccuracies exist : XXXX. Incorrect Address Reporting : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are not associated with me, yet they appear on my credit report, which is misleading and false. 

XXXX. Charge-Off Accounts I Do Not Recognize : XXXX XXXX XXXX * High Balance : {$3700.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX * High Balance : {$2700.00}, Opened : XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$550.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$54000.00}, Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXh Balance : {$4400.00}, Opened : XX/XX/XXXX XXXX. Collection Account I Do Not Recognize : XXXX XXXX XXXX XXXX * High Balance : {$1900.00}, Opened : XX/XX/XXXX I have no knowledge of or responsibility for these accounts. Their reporting as delinquent is inaccurate and violates my rights. I formally request their immediate deletion from my credit file. 

XXXX. Inquiries Reported in Error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were unauthorized and should be removed from my credit report immediately. 

XXXX. Bankruptcy Reporting : Chapter XXXX Bankruptcy XXXX, Filed/Reported XX/XX/XXXX I request confirmation that this entry is accurate. Any discrepancies must be corrected immediately. 

Given the seriousness of these reporting errors, I urge CFPB to investigate and instruct the relevant credit reporting agencies and creditors to : Correct or delete all accounts I do not recognize. 

Remove all incorrect address information. 

Remove unauthorized inquiries. 

Confirm accuracy of reported bankruptcy information. 

These inaccuracies are negatively impacting my financial reputation and access to credit. I expect prompt action in accordance with FCRA regulations. 

Please confirm receipt of this complaint and keep me informed regarding the progress of your investigation.

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 2025-11-07 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: MT

Complaint narrative:
I am submitting this complaint because I am trying to fix inaccuracies and incomplete information on my credit reports. I have attempted to resolve these issues directly with the credit reporting agencies and furnishers, but the items listed below remain uncorrected or unverifiable. I request that the Consumer Financial Protection Bureau assist in ensuring that each credit bureau properly investigates and corrects or removes these accounts as required by the Fair Credit Reporting Act ( FCRA ). 


XXXX. XXXX Accounts : XXXX XXXX ( Account XXXX. XXXX XXXX XXXX XXXXXX/XX/year>, {$750.00} ) Dispute Basis : This account is not mine or was previously resolved. I request investigation and deletion if not verified. 

XXXX. Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : Inaccurate late payment recordplease verify the accuracy with complete payment documentation or remove the negative 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 2025-11-07 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to dispute the reporting of a loan allegedly in charge-off status. I previously requested proof of why this loan was charged off, the date of the charge-off, and details regarding the loan account, including any actions taken on the collateral. To date, I have not received any verification or documentation.

Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) and 611 ( a ), I have the right to request verification of any debt being reported on my credit report. Reporting information without providing proper verification is considered inaccurate and a violation of my rights.

months have passed, and XXXX XXXX has still failed to provide the requested documentation and proof. I demand that this debt be immediately removed from all three credit bureaus.

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