vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I am submitting this complaint regarding Experians handling of my credit report dispute for my XXXXXXXX XXXX XXXX  account ( opened XX/XX/XXXX ) on report number XXXX. 

I originally submitted a dispute on XX/XX/XXXX, to address late payments reported on this account. Instead, Experian removed a different XXXX  account that I did not dispute and failed to properly investigate the account I intended to dispute. Despite providing supporting documentation, including my bank and credit card statements, Experian ignored these documents and reported the account as investigation complete without making any corrections. 

This constitutes a misapplied dispute and failure to conduct a reasonable reinvestigation, in violation of FCRA 1681i, as the correct account was never investigated and my documentation was not reviewed.

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 2025-12-09 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 submitting this complaint regarding repeated, pervasive inaccuracies, misreporting, and inconsistent data appearing on my credit reports from Experian, Equifax, and TransUnion, under multiple variations of my name including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX, XXXX XXXX, as well as multiple addresses including XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, NC XXXX ; XXXX XXXX Pl XXXX XXXX, XXXX, NC XXXX ; and XXXX XXXX XXXX, FL XXXX. The accounts in question including XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX * * *, XXXX Credit accounts XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and other creditors reflect conflicting balances, dates of last activity, and reporting statuses across the XXXX credit bureaus. Many accounts report XXXX balances in XXXX bureau while showing substantial balances in another, and last activity dates are inconsistent or outdated, some as far back as XXXX or XXXX. Original creditor names are misreported, incomplete, or inconsistent, including variations like XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX Banks, and others. Inquiries and hard pulls, including XXXX Mortgage XX/XX/XXXX XXXX Capital XXXX Auto XX/XX/XXXX, Consumer Portfolio Services XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and others, may not meet permissible purpose requirements and some are outdated. These errors violate multiple provisions of the FCRA, including 605 ( a ), 605 ( c ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), as well as the FDCPA 807809, creating a persistent, ongoing harm to my creditworthiness, financial reputation, and ability to secure fair financial opportunities. I have disputed these inaccuracies multiple times with each bureau, yet they continue to report unverifiable, conflicting, and outdated information, demonstrating negligence and failure to maintain accurate consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding repeated, pervasive inaccuracies, misreporting, and inconsistent data appearing on my credit reports from Experian, Equifax, and TransUnion, under multiple variations of my name including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX, XXXX XXXX, as well as multiple addresses including XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, NC XXXX ; XXXX XXXX Pl XXXX XXXX, XXXX, NC XXXX ; and XXXX XXXX XXXX, FL XXXX. The accounts in question including XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX * * *, XXXX Credit accounts XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and other creditors reflect conflicting balances, dates of last activity, and reporting statuses across the XXXX credit bureaus. Many accounts report XXXX balances in XXXX bureau while showing substantial balances in another, and last activity dates are inconsistent or outdated, some as far back as XXXX or XXXX. Original creditor names are misreported, incomplete, or inconsistent, including variations like XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX Banks, and others. Inquiries and hard pulls, including XXXX Mortgage XX/XX/XXXX XXXX Capital XXXX Auto XX/XX/XXXX, Consumer Portfolio Services XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and others, may not meet permissible purpose requirements and some are outdated. These errors violate multiple provisions of the FCRA, including 605 ( a ), 605 ( c ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), as well as the FDCPA 807809, creating a persistent, ongoing harm to my creditworthiness, financial reputation, and ability to secure fair financial opportunities. I have disputed these inaccuracies multiple times with each bureau, yet they continue to report unverifiable, conflicting, and outdated information, demonstrating negligence and failure to maintain accurate consumer data.

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 2025-12-09 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice of violation and demand for immediate deletion under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Despite previous disputes, they continue to furnish, verify, and report inaccurate, misleading, and unsubstantiated information on my consumer credit reports. This constitutes clear noncompliance with federal law. 

ACCOUNTS IN VIOLATION XXXX. XXXX XXXX XXXX XXXX XXXX : Apex APTS This account contains multiple material inaccuracies, including but not limited to : Incorrect closed date Incorrect date reported Inconsistent reporting across all three bureaus Failure to provide competent evidence of ownership, assignment, and right to collect You have failed to : Maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ) Conduct a lawful and reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ) Furthermore, continued reporting without proper validation constitutes deceptive and false representation under 15 U.S.C. 1692e and 1692f. 

XXXX. XXXX XXXX XXXX This account is reporting materially false, inaccurate, and internally inconsistent data, including : Incorrect account number Incorrect balance Incorrect date reported Incorrect last verified date Other unresolved internal inconsistencies Verifying and furnishing inaccurate information after notice of dispute violates : 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681s-2 ( b ) Maximum accuracy obligations under 15 U.S.C. 1681e ( b ) Reporting incorrect balances and dates additionally violates 15 U.S.C. 1692e ( 2 ) ( A ), constituting misrepresentation of the character and amount of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice of violation and demand for immediate deletion under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Despite previous disputes, they continue to furnish, verify, and report inaccurate, misleading, and unsubstantiated information on my consumer credit reports. This constitutes clear noncompliance with federal law. 

ACCOUNTS IN VIOLATION XXXX. XXXX XXXX XXXX XXXX XXXX : Apex APTS This account contains multiple material inaccuracies, including but not limited to : Incorrect closed date Incorrect date reported Inconsistent reporting across all three bureaus Failure to provide competent evidence of ownership, assignment, and right to collect You have failed to : Maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ) Conduct a lawful and reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ) Furthermore, continued reporting without proper validation constitutes deceptive and false representation under 15 U.S.C. 1692e and 1692f. 

XXXX. XXXX XXXX XXXX This account is reporting materially false, inaccurate, and internally inconsistent data, including : Incorrect account number Incorrect balance Incorrect date reported Incorrect last verified date Other unresolved internal inconsistencies Verifying and furnishing inaccurate information after notice of dispute violates : 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681s-2 ( b ) Maximum accuracy obligations under 15 U.S.C. 1681e ( b ) Reporting incorrect balances and dates additionally violates 15 U.S.C. 1692e ( 2 ) ( A ), constituting misrepresentation of the character and amount of a debt.

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 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I moved into the XXXX propXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Since day XXXX, I noticed that the refrigerator was not working neither was the freezer. I noticed the office letting them know that I could not store food in my fridge due to the fact it not keeping cool at all. It took XXXX different maintenance people to figure out it wasnt the coolant it was the refrigerator it self. It was completely broken. After having to endure a broken fridge for XXXX months. This caused me to use up my savings funds to buy food everyday instead of using my food stamps which I had had collected {$600.00} by the time I was able to store food in my apartment. I told them that this was a breach of contract and is on the list for an apartment to be ready but I did not ever get a reply. I even emailed the property owner to let them know what was going on because I couldnt live they wat they was trying to make me live. Monthly rent there was XXXX a month after taxes. The company ended up replacing the property XXXX closer to the time I was moving out to relocate back home to SC. Never contacted me to figure out why I was not paying my rent, what was going on. The whole time I stayed there I was not comfortable with the complex itself, the many noise complaints I made about loud neighbors, the apartment work orders that somehow became complete without people even visiting my apartment. Since trying to get property owner at the time to replace my Apartment with a different apartment or refund me money she never replied and it didnt help she was not replying since I worked overnights during that time. I do have older email I sent with videos of noise complaints and I believe the issues in the apartment that Ive recorded for a time like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for {$570.00} allegedly originating from XXXX XXXX XXXX. ( Account # XXXX ). 
I have disputed this account multiple times, including through Experian, XXXX XXXX XXXX XXXX XXXX  has never provided validation under FDCPA 1692g ( b ), nor any documentation proving that : I owe this alleged debt The balance is accurate They have legal ownership A proper chain of title exists from XXXX  XXXX to XXXX The XXXX is correct They complied with required notices Despite failing to validate, XXXX continues to report the account as an active collection tradeline, updated through XX/XX/2025, and marked : Completed investigation of FCRA dispute consumer disagrees. 

This is continuing collection activity without validation.

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 2025-12-09 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:
I am filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain numerous inaccuracies, conflicting entries, duplicate information, and inconsistent timelines that violate multiple provisions of the Fair Credit Reporting Act and have caused significant confusion and harm. Specifically, Experian is reporting incorrect and inconsistent XXXX XXXX  XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX  XXXX FL XXXX Equifax shows altered versions of these same addresses with different ZIP codes, and TransUnion lists unrelated addresses at XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX FL XXXX, none of which are accurate or currently associated with me. These address variations raise concerns under FCRA 607 ( b ) regarding the bureaus obligation to maintain maximum accuracy, and I am requesting their removal. In addition, multiple accounts contain conflicting timelines across bureaus : for my XXXX XXXX XXXX account ( XXXX, {$7600.00} balance ), Experian reports a Date of Last Activity of XX/XX/XXXX with a Date Reported of XX/XX/XXXX, while Equifax lists the Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, creating contradictory versions of the same account in violation of FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX account ( {$12000.00} ) also shows different Dates of Last Activity across all three bureausExperian stating XX/XX/XXXX, Equifax XX/XX/XXXX, and TransUnion XXXX well as differing reporting dates, which misrepresents the accounts history and fails to comply with FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency. My XXXX  XXXX XXXX account ( {$4600.00} ) is similarly misreported, with Experian listing a Date of Last Activity of XX/XX/XXXX and TransUnion listing XX/XX/XXXX, despite both reporting the same balance, again showing inconsistencies that distort my credit profile. My XXXX XXXX account ( {$4000.00} ) includes conflicting Dates of Last XXXX on Experian and XX/XX/XXXX on XXXX should not display contradictory timelines if the data were accurately maintained. The most alarming issue is with XXXX  Account XXXX, which appears only on Equifax and in two conflicting versions : one listing a balance of {$1900.00} with late XXXX marks, and another listing a different balance of {$2700.00} with a different date opened, both with identical Dates of Last Activity and reporting dates despite no verification of this account on Experian or TransUnion. These duplications and discrepancies strongly suggest inaccurate, unverified, or improperly merged information, violating FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 623 ( a ) ( 5 ), and 605 ( a ) concerning obsolete or unverifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain numerous inaccuracies, conflicting entries, duplicate information, and inconsistent timelines that violate multiple provisions of the Fair Credit Reporting Act and have caused significant confusion and harm. Specifically, Experian is reporting incorrect and inconsistent XXXX XXXX  XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX  XXXX FL XXXX Equifax shows altered versions of these same addresses with different ZIP codes, and TransUnion lists unrelated addresses at XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX FL XXXX, none of which are accurate or currently associated with me. These address variations raise concerns under FCRA 607 ( b ) regarding the bureaus obligation to maintain maximum accuracy, and I am requesting their removal. In addition, multiple accounts contain conflicting timelines across bureaus : for my XXXX XXXX XXXX account ( XXXX, {$7600.00} balance ), Experian reports a Date of Last Activity of XX/XX/XXXX with a Date Reported of XX/XX/XXXX, while Equifax lists the Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, creating contradictory versions of the same account in violation of FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX account ( {$12000.00} ) also shows different Dates of Last Activity across all three bureausExperian stating XX/XX/XXXX, Equifax XX/XX/XXXX, and TransUnion XXXX well as differing reporting dates, which misrepresents the accounts history and fails to comply with FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency. My XXXX  XXXX XXXX account ( {$4600.00} ) is similarly misreported, with Experian listing a Date of Last Activity of XX/XX/XXXX and TransUnion listing XX/XX/XXXX, despite both reporting the same balance, again showing inconsistencies that distort my credit profile. My XXXX XXXX account ( {$4000.00} ) includes conflicting Dates of Last XXXX on Experian and XX/XX/XXXX on XXXX should not display contradictory timelines if the data were accurately maintained. The most alarming issue is with XXXX  Account XXXX, which appears only on Equifax and in two conflicting versions : one listing a balance of {$1900.00} with late XXXX marks, and another listing a different balance of {$2700.00} with a different date opened, both with identical Dates of Last Activity and reporting dates despite no verification of this account on Experian or TransUnion. These duplications and discrepancies strongly suggest inaccurate, unverified, or improperly merged information, violating FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 623 ( a ) ( 5 ), and 605 ( a ) concerning obsolete or unverifiable 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 non-monetary relief
Consumer complaint received 2025-12-09 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: LA

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful information being reported on my credit profile, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Negative information is being furnished to the credit bureaus that is either incomplete, outdated, unverifiable, or does not reflect the true status of the accounts. These inaccuracies are causing significant and unnecessary damage to my credit, interfering with my ability to obtain essential financing such as an auto loan. 

I have attempted to resolve these issues directly, but I have not received proper verification, correction, or removal of the disputed information. Because these items are being reported without full and lawful validation, they are harming my reputation and creditworthiness. 

These inaccuracies amount to negligent and potentially defamatory reporting since they portray me as unreliable to lenders, which is not accurate. Under FCRA, furnishers and bureaus must ensure information is complete, correct, and verifiable which has not been done in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXX/XX/XXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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