vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
I am filing this complaint because several items reported by the credit bureaus appear to be inaccurate, unverifiable, duplicated, or outdated, despite my attempts to address these issues directly with the credit reporting agencies. I am requesting assistance from the CFPB to ensure these accounts and inquiries are properly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX Acct XXXX Opened XX/XX/XXXX Balance {$26000.00} This account is being reported with information that I believe is inaccurate or unverifiable. I request a full reinvestigation. 

Hard Inquiries The following inquiries appear to be unauthorized or inaccurate, and I dispute their validity : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Late Payments The late payment information below is inaccurate or unverified : XXXX  XXXX Acct XXXX XXXX  Acct XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AL

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

Company 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 2025-11-27 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: MO

Complaint narrative:
I am not associated with these accounts and demand they be deleted within 15 days as required by the Fair Credit Reporting Act.

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 2025-11-27 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: UT

Complaint narrative:
I am disputing several items on my credit report that I believe are inaccurate or incomplete. Below are the details of the accounts in dispute, separated by credit bureau : CHARGED OFF XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-27 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:
I am disputing several accounts on my TransUnion credit report that I believe are inaccurate. These discrepancies appear to violate the Fair Credit Reporting Act ( FCRA ), and I am concerned about the security of my personal information due to a potential data breach. 
Disputed Accounts on TransUnion Report : 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Collection - Installment Balance : {$5800.00} Account Status : Negative Violations : FCRA Violation : Incorrect reporting of balance, payment history, and delinquency status. 
Data Breach : This account could have been affected by a data breach, making the information inaccurate. 
2XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX Account Type : Collection - Installment Balance : {$320.00} Account Status : Negative Violations : FCRA Violation : Incorrect payment history and balance. 
Data Breach : Confirm if personal information may have been exposed, affecting the accounts 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 non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and multiple fraudulent credit inquiries were made in my name without my knowledge or authorization. I have already filed an official FTC Identity Theft Report under penalty of perjury, and I am requesting that all fraudulent accounts and all fraudulent inquiries be deleted and blocked under FCRA Section 605B. 

I did NOT authorize any of the following accounts that were opened using my identity : XXXX XXXX XXXX Fraudulent credit card, opened around XX/XX/XXXX. 

XXXX XXXX XXXX Fraudulent personal/business loan, opened around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX personal/business loan, opened around XX/XX/XXXX. 


I did NOT authorize the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, and I request immediate investigation, deletion, and blocking of all fraudulent accounts and inquiries under FCRA Section 605B.

I am submitting : My FTC Identity Theft Report, ( passport ) Social Security card as proof of my identity and to verify that I am the legitimate consumer.

I am requesting that the CFPB ensure the data furnishers and credit bureaus comply with the FCRA and permanently remove all fraudulent information from my credit files.

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 2025-11-27 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 disputing the following charged-off accounts as they appear on my Equifax credit report. I request that these accounts be investigated for any inaccuracies and corrected if necessary. 

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Inquiries : I am disputing the following inquiries on my Equifax credit report as they may not be authorized or accurately reported. 

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 2025-11-27 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 hereby submit a formal dispute for the listed accounts, which I did not authorize and have no affiliation with. Please review and delete them promptly. Supporting evidence is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute the following accounts that I believe have been reported inaccurately. I request a thorough investigation into the following accounts that are currently marked as " Charged Off. '' Charge Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$520.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$82.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$730.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$7000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$6500.00}

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following items on my Experian credit report that I believe are inaccurate or incomplete : 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

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 2025-11-27 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: OH

Complaint narrative:
I am submitting this complaint regarding the following inaccurate and incomplete information appearing on my credit report from the major credit bureaus. I request a thorough investigation and correction of the listed accounts that are either inaccurately reported or have discrepancies that do not comply with FCRA and Metro 2 standards. Please find the details below. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-27 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report relating to an account previously serviced by XXXX XXXX XXXX XXXX XXXX 

Creditor : XXXX XXXX I Account Type : Education Loan Account Status : Closed Closed Date : XX/XX/XXXX Reported Late Payments : XX/XX/XXXX days late showing XXXX Last Payment Reported : XX/XX/XXXX This account has been closed and transferred, and therefore should not continue affecting my credit report with late payment notations. Since the account is no longer active and is no longer in the creditors possession, the late payment reporting is inaccurate and misleading.

I am requesting you to : 1. Conduct a reinvestigation into the accuracy of the late payment history 2. Verify with XXXX XXXX whether any delinquencies should still be reported after transfer/closure 3. Remove or correct the inaccurate late payment reporting under FCRA 602 and 611 These late payments are harming my credit score even though the account is no longer active and should not continue to be updated or reported in this manner. 

Please send me written confirmation of your findings and any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report relating to an account previously serviced by XXXX XXXX XXXX XXXX XXXX 

Creditor : XXXX XXXX I Account Type : Education Loan Account Status : Closed Closed Date : XX/XX/XXXX Reported Late Payments : XX/XX/XXXX days late showing XXXX Last Payment Reported : XX/XX/XXXX This account has been closed and transferred, and therefore should not continue affecting my credit report with late payment notations. Since the account is no longer active and is no longer in the creditors possession, the late payment reporting is inaccurate and misleading. 

I am requesting you to : XXXX. Conduct a reinvestigation into the accuracy of the late payment history XXXX. Verify with XXXX XXXX whether any delinquencies should still be reported after transfer/closure XXXX. Remove or correct the inaccurate late payment reporting under FCRA 602 and 611 These late payments are harming my credit score even though the account is no longer active and should not continue to be updated or reported in this manner. 

Please send me written confirmation of your findings and any corrections made.

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 2025-11-27 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report relating to an account previously serviced by XXXX XXXX XXXX XXXX XXXX 

Creditor : XXXX XXXX I Account Type : XXXX XXXX Account Status : Closed Closed Date : XX/XX/XXXX Reported Late Payments : XX/XX/XXXX days late showing XXXX Last Payment Reported : XX/XX/XXXX This account has been closed and transferred, and therefore should not continue affecting my credit report with late payment notations. Since the account is no longer active and is no longer in the creditors possession, the late payment reporting is inaccurate and misleading.

I am requesting you to : 1. Conduct a reinvestigation into the accuracy of the late payment history 2. Verify with College Foundation whether any delinquencies should still be reported after transfer/closure 3. Remove or correct the inaccurate late payment reporting under FCRA 602 and 611 These late payments are harming my credit score even though the account is no longer active and should not continue to be updated or reported in this manner. 

Please send me written confirmation of your findings and any corrections made.

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 2025-11-27 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

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

Company 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 2025-11-27 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 regarding the following charged-off accounts that I have found discrepancies with across the credit bureaus. Below are the details of the accounts in dispute : Charged Off Accounts : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 submitting a dispute regarding the following accounts and inquiries that appear on my credit reports. The information is categorized by bureau for your review and resolution. Please address the discrepancies accordingly. 

Charged Off : XXXX XXXX, XXXX, XX/XX/year>, {$2700.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Inadvertently transferred {$4000.00} from my Wells Fargo checking account to my Wells Fargo credit card. There is no tracking information regarding the request for a payment reversal which was supposedly processed on today XX/XX/year>. 

The money was intended to be transferred to my savings account intitially. 

Now it will take 10 business days from today for the money to return to my checking account. This date would ( hopefully ) be XX/XX/year>. The credit card department can not provide me with a claim number nor tracking information nor case ID, no email regarding the reversal of this money. I am supposed to take their word for it, word of mouth that a reversal was processed.

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 monetary relief