vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
Attachment included. I want them to stop reporting inaccurate information and remove the late payments stop taking points from me for utilization when Im under 30 % and they telling me its XXXX % Experian the only bureau reporting late payments ments I ask them to verify the info it keep coming back verified I sent over XXXX letters to Experian Also they want remove old addresses which is no longer mines I asked them to remove it o was in XXXX of their data breaches if they dont I will file a law suit for ruining my credit repeatedly taken points from me I never was late

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Can you review this quickly? I did it late and it may not be accurate.

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 2025-11-21 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: MI

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that do not reflect the maximum possible accuracy. These errors are causing significant distress and continue to negatively impact my life in profound ways. These are challenging times, and correcting or removing these inaccuracies would provide substantial assistance and relief.

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 2025-11-21 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
My wages are currently being garnished by XXXX XXXX Firm of XXXX, XXXX XXXX behalf of OneMain Financial for an account that was created through identity theft. Neither myself nor my co-consumer, XXXX XXXX XXXX, ever applied for or authorized any account with OneMain Financial. 

We were unexpectedly served in XX/XX/year> regarding this debt. Immediately after receiving the documents, we filed an FTC Identity Theft Report and submitted all required supporting documentation. Following our identity theft report, all activity ceased, and we believed the matter had been resolved. 

We also have proof that this alleged OneMain Financial account was deleted from our credit reports in XX/XX/year> after the credit bureaus were unable to verify that the debt belonged to us. This confirms the account was fraudulent and not associated with either of us. 

Despite this, on XX/XX/year>, wage garnishment began without any prior notice of reactivation or verification. This account still does not appear on either of our credit reports. 

Additionally, both of us were victims of the Equifax data breach, and our personal information was compromised. This identity theft account was created without our knowledge or consent. 

We contacted the law firm handling the garnishment ( XXXX XXXX XXXX in XXXX, XXXX XXXX, but the garnishment has continued. 

We are requesting urgent assistance from the CFPB to stop the garnishment, acknowledge the documented identity theft, and ensure that this fraudulent account is permanently removed and no further collection actions occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NE

Complaint narrative:
This medical collection is reporting in error. I had active Medicaid coverage at the time of the emergency room visit in Florida, and Medicaid paid the provider. I requested validation and a billing statement from the collection agency and provider, but they did not provide proof that I owe this debt, that Medicaid denied payment, or that the bill was properly submitted to Medicaid. and documentation showing this was billed as self-pay instead of being sent to Medicaid. The company did not provide any of this information. The account is inaccurately reported and was never properly validated, which violates the FCRA. I am requesting removal of this account., which makes the timeline impossible. Under the FCRA, unverifiable, inaccurate, or improperly billed medical debt can not be reported. I am requesting this account be removed 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are a string of hard credit inquiries on all three of my credit reports. Experian had XXXX. The majority of which I did not authorize or give permission to pull a hard inquiry on my report. I have requested the credit contact and provide verification and/or delete them which they had not. 

Unauthorized hard Inquires are concerning because someone is pulling credit history without my knowledge and could be using my information to open up accounts in my name. All three credit reporting agencies are highly complacent when it comes to reporting accurate credit and/or warning you that someone has pulled a hard inquiry without your consent and they almost force you to buy their over-priced credit monitoring subscriptions which is so I can police them at their own job where they are the ones responsable for reporting and verifying correct and accurate information. Each of the XXXX major agencies continue to be complacent and/or down right refuse to help when there are mistakes or unauthorized access to your information, AKA the numerous security breaches at Trans Union over the last XXXX  years is when I notice unauthrzed activity on my files. They should be shut down at this point for how bad the entire organization is run and how they just allow anything to be put on your report. They also do not provide any explanation as to how they go about verifying information. It just verified with creditor or give an inquiry date. These organizations need to be better regulated as to what personal data and information is allowed in your file and who can access it.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a string of hard credit inquiries on all three of my credit reports. Experian had XXXX. The majority of which I did not authorize or give permission to pull a hard inquiry on my report. I have requested the credit contact and provide verification and/or delete them which they had not. 

Unauthorized hard Inquires are concerning because someone is pulling credit history without my knowledge and could be using my information to open up accounts in my name. All three credit reporting agencies are highly complacent when it comes to reporting accurate credit and/or warning you that someone has pulled a hard inquiry without your consent and they almost force you to buy their over-priced credit monitoring subscriptions which is so I can police them at their own job where they are the ones responsable for reporting and verifying correct and accurate information. Each of the XXXX major agencies continue to be complacent and/or down right refuse to help when there are mistakes or unauthorized access to your information, AKA the numerous security breaches at Trans Union over the last XXXX  years is when I notice unauthrzed activity on my files. They should be shut down at this point for how bad the entire organization is run and how they just allow anything to be put on your report. They also do not provide any explanation as to how they go about verifying information. It just verified with creditor or give an inquiry date. These organizations need to be better regulated as to what personal data and information is allowed in your file and who can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX, Experian ( EX ), and XXXX XXXX XXXX XXXX. Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$16000.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX BANK XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX BANK NA, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : 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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I disputed a {$13000.00} charge on my American Express card for a short-term rental that was misrepresented and not delivered as agreed. The merchants contract stated that all security cameras would be exterior only, but the property had an undisclosed interior camera in the living room. This is a material misrepresentation and a breach of the rental agreement at the moment of check-in. 

Additionally, the property was being operated illegally. The XXXX of XXXX XXXX confirmed that the merchants short-term rental registration was expired and their new application had been denied before my stay. The rental was not legally authorized, which means the service I paid for could not legally be delivered as advertised. 

Under Regulation Z, a billing error includes goods/services not delivered as agreed. This dispute falls squarely under that definition. However, American Express repeatedly categorized my dispute as a dissatisfaction or compensation request, and several representatives insisted they needed the merchants cooperation to resolve the dispute. Regulation Z does not require merchant cooperation ; it requires the issuer to conduct an independent investigation. 

Despite multiple explanations and evidence, my dispute was closed twice without a clear reason, and the issue was repeatedly misclassified. I am requesting that American Express properly apply Regulation Z, recognize this as a misrepresentation/failure-to-deliver case, and conduct a correct investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am not familiar with this company and they continue to reach out to me. I have requested they do not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 dispute to address discrepancies found on my credit report across the three major credit bureaus : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XX/XX/XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$450.00} XX/XX/XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$160.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/XXXX XX/XX/ XX/XX/XXXX XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/2025

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Im living a nightmare someone has access to my entire life it seems like I dont recognize anything on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXX Account Number : XXXX The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

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 2025-11-21 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: TN

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXX Account Number : XXXX The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
My ex husband, who has now moved back to XXXX, used my name to open accounts without my permission. I didnt know about any of this until I received a collection letter for something I knew nothing about. I need these fraudulent accounts removed from my credit asap, my ex husband has destroyed my credit as well as left me with the financial burden of our children while providing no support to me. Please remove this from my report right away.

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 2025-11-21 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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