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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable information currently being reported on my Experian credit file. Upon review, I discovered multiple charged-off accounts that are reported inconsistently, including repeated entries of the same account number with different balances and reporting periods. 

The Department of EducationXXXX account is listed multiple times with conflicting data, which is misleading and does not meet the accuracy standards required under the Fair Credit Reporting Act. I have not been provided documentation proving the accuracy of these balances or explaining why the same account is reported repeatedly. 

I am requesting that Experian perform a complete reinvestigation, verify each disputed item directly with the furnishers, and delete any account that can not be fully validated or is being reported inaccurately. 

Accounts in dispute Experian : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Unauthorized Inquiry Statement I am also disputing an inquiry that appears on my Experian credit report. I do not recall authorizing this inquiry and have not been provided proof of permissible purpose. 

Inquiry in dispute : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please provide documentation showing my authorization for this inquiry or remove it immediately in compliance with the Fair Credit Reporting Act. 

ATTACHMENTS/ SUPPORTING DOCUMENTS I am attaching copies of the following documents to support my dispute : Government-issued photo identification Proof of address Copies of my credit reports with the disputed items clearly highlighted Any additional supporting documents relevant to these disputes

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:
I am submitting this complaint as a consumer to dispute inaccurate and incomplete information on my TransUnion credit report. The items listed below have not been properly verified and are causing harm to my credit profile. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$27000.00} This account is being reported without sufficient validation or proof of accuracy. 

Inquiries XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize this inquiry and request verification of permissible purpose. 

Late Payments XXXX XXXX Account ending 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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal dispute of the XXXX XXXX XXXX / XXXX XXXX collection account reporting on my Experian credit file in the amount of {$950.00}. 
I dispute this account as unverified and inaccurate.

The debt collector has never sent me the required FDCPA 1692g ( a ) notice, and therefore has not provided : Verification of the debt Proof I owe it Proof of assignment Service location Date of service Date of first delinquency Because Contract Callers has failed to provide any legally required validation, this account can not be verified and must be deleted.

Under : FCRA 607 ( b ) ( requirement for maximum accuracy ) FCRA 611 ( duty to reasonably investigate ) you are required to either : 1 Obtain proper validation from Contract Callers OR 2 Delete the tradeline If your investigation determines the account is unverifiable, it must be permanently deleted from my credit report, and I request written confirmation of such deletion.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that there was fraudulent accounts. I found several accounts on my credit report that I had note opened. Please remove the fraudulent accounts from my credit report as soon is possible

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that there was fraudulent accounts. I found several accounts on my credit report that I had note opened. Please remove the fraudulent accounts from my credit report as soon is possible

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime denied my fraud claim despite the transactions being unauthorized. 
I did not authorize or benefit from the charges and reported them immediately. 

The denial appears inconsistent with Regulation E protections for unauthorized electronic fund transfers.

I am requesting reimbursement and reconsideration of my claim

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: NY

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to dispute inaccurate, misleading, and improperly reported information on my credit reports with the XXXX major credit bureaus. Despite previous disputes, the information remains incorrect and inconsistent with the actual events. I request immediate investigation and correction of these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the specific details of the disputed accounts. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: AK

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and incomplete information appearing on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair, complete, and accurate credit reporting. Despite reviewing my report carefully, the following items are being reported incorrectly and require investigation and correction. 

Charged-Off Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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: CA

Complaint narrative:
I am submitting this CFPB complaint to dispute inaccurate and unverifiable information being reported on my TransUnion credit report. I previously disputed these items with the bureau, but they were not properly resolved. Copies of my dispute letters and supporting documents are attached to this complaint. 

Charged-Off / Public Record Accounts BANKRUPTCY Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} These accounts are inaccurately reported and lack complete verification. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries. Any inquiry without a permissible purpose must be removed. 

Late Payments XXXX  XXXX Account No. XXXX XXXX Account No. 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 status incorrect
Company: EQUIFAX, INC.
State: NY

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

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the following items on my Equifax credit report. These accounts contain inaccurate reporting, including incorrect creditor identification, balances, and account status inconsistencies. Some accounts appear duplicated or are being reported under different creditor names. 

Charged-Off Accounts ( Equifax ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: FL

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

Charged-Off / Collection Accounts I dispute the reporting of the following accounts : DPED / Nelnet Acct XXXXXXXX XXXX XXXX XXXX XXXX  ( Reported twice, opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$2500.00} ) XXXX  / XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, balance {$0.00} ) The XXXX account XXXX duplicated, and accounts with XXXX balances continue to be reported negatively. I am requesting Equifax verify the accuracy and legitimacy of these accounts and remove or correct any information that can not be substantiated. 

Previous Address Information The following address is being reported inaccurately : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove this address if it can not be verified as accurate.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint after reviewing my Equifax credit report and finding inaccurate, incomplete, and unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure maximum possible accuracy and to conduct a reasonable investigation of any disputed items.

Charged-Off Accounts XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Account No. XXXX Opened XX/XX/XXXX Balance {$820.00} These accounts are being reported inaccurately and/or without proper verification. Some show XXXX balances while still being reported negatively, and others appear incomplete or inconsistent. I am disputing the accuracy, status, and verification of each account. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries. If Equifax can not provide proof of permissible purpose for each inquiry, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did a dispute and they responded telling me it was denied but didnt tell me why so I could take the next step

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: NV

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off Accounts I dispute the following accounts : XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$1200.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$1000.00} ) These accounts may be inaccurately reported or negatively affecting my credit. I request TransUnion verify balances, reporting dates, and account status, and remove or correct any information that can not be substantiated. 

Late Payments XXXX  XXXX XXXX Acct XXXX I dispute this late payment and request correction or removal.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal request to investigate and delete the following hard inquiries from my Experian credit report dated XX/XX/year> : XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified information on my Experian credit report. Experian has a legal obligation under the FCRA to report accurate information and to delete any data that can not be verified as complete and correct. 

Charged-Off / Collection Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$1400.00} These accounts contain inaccurate reporting, inconsistent dates, and lack proper verification. 

Hard Inquiries in Dispute XXXX XXXX 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 I did not authorize these inquiries and request documentation showing permissible purpose. 

Late Payments in Dispute XXXX XXXX XXXX XXXXXXXX

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: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-12-28 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting inaccurate and misleading information on my credit report and repeatedly removing my verified residential address, resulting in A XXXX decrease in credit score and automated credit denials. 
Experian is allowing the following furnishers to report incorrect information : XXXX XXXX I do not currently conduct business with this company as reported XXXX XXXX  XXXX was a mortgage servicer, is now closed, and has incorrectly reported late payments that never occurred XXXX XXXX  reported tradeline is inaccurate/ not mine Specifically, XXXX XXXX  is reporting late payments that are false. I never had late payments with this servicer. The reporting is inaccurate, unverifiable, and materially misleading. 
In addition, Experian continues to remove my verified address despite submission of a utility bill and government-issued ID. This is not a dispute. This is a file integrity and suppression issue. 
Correct address : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Under the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum possible accuracy and must delete or correct information that is inaccurate or can not be verified. Experians failure to correct these issues is causing measurable financial harm through credit denials. 
I am requesting immediate correction or deletion of inaccurate tradelines, reinsertion and locking of my verified address, confirmation that my file is not suppressed or fragmented, and written confirmation of resolution.

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: FL

Complaint narrative:
I am disputing the accuracy and completeness of several items reported by TransUnion. I am a consumer seeking to correct my credit file under the rights provided by the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Previous Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ( please verify and remove if incorrect ) Charged Off Accounts Under Dispute : XXXX  XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Amount : {$820.00} XXXX XXXXXXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Amount : {$330.00XXXX XXXX XXXX  XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Amount : {$3000.00} XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Amount : {$950.00} XXXX Account ending XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, Amount : {$0.00} Inquiries to Review : XXXX XXXX XX/XX/XXXX Requested Action : Please verify all information and provide supporting documentation from the original furnishers. Any unverifiable or inaccurate information should be deleted or corrected immediately.

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