vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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 writing because, after carefully reviewing my credit report, I noticed multiple entries that are inaccurate, unverifiable, or incomplete. These errors are negatively affecting my financial standing, and I am exercising my rights under the Fair Credit Reporting Act to request corrections. 
Some accounts are reported as late closed or inaccurately handled. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX is reported as a late close. This information can not be verified and is inconsistent with my records. Reporting of this account appears to violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy, and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which grants me the right to dispute inaccurate information.

Several accounts are reported as charge-offs without proper documentation. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX. These charge-offs appear to be reported without compliance with IRS Form 1099-C requirements for debts over {$600.00}, violating FCRA 607 ( b ). 
A reported repossession on my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX is inaccurate and can not be verified. This reporting is inconsistent with my records and appears to violate FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ). 
I also dispute a reported collection account, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX, which I can not verify. Its reporting appears inconsistent with FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ). 
Finally, there are inquiries on my report that I did not authorize, including 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 XXXXXXXX XXXX These inquiries were made without permissible purpose, in violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) and 619 ( 15 U.S.C. 1681q ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 writing because, after carefully reviewing my credit report, I noticed multiple entries that are inaccurate, unverifiable, or incomplete. These errors are negatively affecting my financial standing, and I am exercising my rights under the Fair Credit Reporting Act to request corrections. 
Some accounts are reported as late closed or inaccurately handled. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX is reported as a late close. This information can not be verified and is inconsistent with my records. Reporting of this account appears to violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy, and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which grants me the right to dispute inaccurate information.

Several accounts are reported as charge-offs without proper documentation. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX. These charge-offs appear to be reported without compliance with IRS Form 1099-C requirements for debts over {$600.00}, violating FCRA 607 ( b ). 
A reported repossession on my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX is inaccurate and can not be verified. This reporting is inconsistent with my records and appears to violate FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ). 
I also dispute a reported collection account, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX, which I can not verify. Its reporting appears inconsistent with FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ). 
Finally, there are inquiries on my report that I did not authorize, including 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 XXXXXXXX XXXX These inquiries were made without permissible purpose, in violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) and 619 ( 15 U.S.C. 1681q ).

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 2025-09-11 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX Late Date XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 writing because, after carefully reviewing my credit report, I noticed multiple entries that are inaccurate, unverifiable, or incomplete. These errors are negatively affecting my financial standing, and I am exercising my rights under the Fair Credit Reporting Act to request corrections. 
Some accounts are reported as late closed or inaccurately handled. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX is reported as a late close. This information can not be verified and is inconsistent with my records. Reporting of this account appears to violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy, and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which grants me the right to dispute inaccurate information.

Several accounts are reported as charge-offs without proper documentation. These include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX. These charge-offs appear to be reported without compliance with IRS Form 1099-C requirements for debts over {$600.00}, violating FCRA 607 ( b ). 
A reported repossession on my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX is inaccurate and can not be verified. This reporting is inconsistent with my records and appears to violate FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ). 
I also dispute a reported collection account, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX, which I can not verify. Its reporting appears inconsistent with FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ). 
Finally, there are inquiries on my report that I did not authorize, including 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 XXXXXXXX XXXX These inquiries were made without permissible purpose, in violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) and 619 ( 15 U.S.C. 1681q ).

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 2025-09-11 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate late payment entries reported by Experian on my credit file. Upon reviewing my report, I identified XXXX XXXX  XXXX accounts with conflicting and potentially inaccurate late payment notations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These entries reflect either misreported delinquencies or discrepancies that lack proper verification. Their presence is negatively impacting my XXXX XXXX and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I previously submitted a formal dispute under FCRA XXXX, which grants me the right to a fair and timely reinvestigation of disputed information. Additionally, FCRA XXXX ( a ) ( XXXX ) requires that furnishers of credit data promptly update and correct any inaccuracies, including late payments that are found to be erroneous or unverified. 
Despite my dispute, these accounts have not been properly investigated or corrected by Experian, nor have I received any verification from XXXX XXXX to substantiate the reported delinquencies.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate late payment entries reported by Experian on my credit file. Upon reviewing my report, I identified XXXX XXXX  XXXX accounts with conflicting and potentially inaccurate late payment notations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These entries reflect either misreported delinquencies or discrepancies that lack proper verification. Their presence is negatively impacting my XXXX XXXX and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I previously submitted a formal dispute under FCRA XXXX, which grants me the right to a fair and timely reinvestigation of disputed information. Additionally, FCRA XXXX ( a ) ( XXXX ) requires that furnishers of credit data promptly update and correct any inaccuracies, including late payments that are found to be erroneous or unverified. 
Despite my dispute, these accounts have not been properly investigated or corrected by Experian, nor have I received any verification from XXXX XXXX to substantiate the reported delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 — Investigation took more than 30 days
Company: Checkr, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I asked Checkr , Inc. for a full file disclosure under FCRA 609 ( all data they have about me, not just an employer-facing report ) ; after receiving only another copy of my background report, I followed up on XX/XX/XXXX and XX/XX/XXXX, but Checkrs replies repeatedly stated the report contains all the information without supplying the complete file ( no address/alias history, source databases, inquiry history, or internal records ), and I even received automated acknowledgements referencing closed and new ticket numbers yet still no full disclosure ; now, weeks later and nearing the 30day FCRA response window, the company has not fulfilled my request, so I am submitting this complaint with attachments : my background report marked Clear, the FCRA Summary of Rights, and copies of my email/ticket exchanges showing the dates and my unresolved request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CO

Complaint narrative:
In line with USC 1681g, remove these erroneous items within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-09-11 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:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit file. I did not authorize, open, or approve these accounts, and I was not notified of their addition. Inconsistent reporting across all three bureaus further proves these accounts are inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that only accurate information be reported.

It also violates 15 U.S.C. 1681i, which requires disputed items to be investigated and resolved within 30 days, and 15 U.S.C. 1681g, which requires complete and accurate disclosures of my credit file. 

I have attached documentation to verify my identity and confirm these accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I monitor my checking account based with my Wells Fargo app on a balance to purchase ration and have been since I open my account with no overdraft protection and even opted out standard overdraft coverage, I received my month XXXX deposit on XX/XX/XXXX which is about the same time get it every month .and did purchases based on my available balance but this i actually did 5 debit card pin card merchant and I watch those purchases get deducted from my balance. As XX/XX/XXXX I had XXXX in my checking that evening and then all of a sudden on XX/XX/XXXX by account was negative by XXXX and I immediately called. Wells Fargo to inquire about this and told me that Wells Fargo does processes purchases over the weekend so all pending charges came in all at once, I explained how is this possible when over precious year I never experienced this and also how were point of sale pin purchases could be pending and not come out of my immediately and they way monitor my spending history all of sudden this happening and that I don't have overdraft or overdrawn. Protection and I requested to file complaint with corp escalation dept and Ive done in this past with other issues I've had with wells Fargo that I am still experiencing. With nothing ending in my favor even with the appropriate documentation and they don't ever give any explanation as to why they ruled against me

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
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
Subject : Formal Dispute XXXX XXXX  Credit Card ( Charge-Off / Profit & Loss Write-Off Reporting ) To TransUnion, Experian, and Equifax and XXXX XXXX  XXXX I am formally disputing the XXXX XXXX credit card tradeline currently appearing on my credit reports. The reporting is inaccurate, contradictory, and unverifiable. I demand either a full correction or the immediate removal of this tradeline across all credit bureaus. 

XXXX. Manipulated and Backdated Delinquency XXXX  has repeatedly altered the reported first delinquency date.... first XXXX, then XXXX, and now XXXX. These retroactive changes appear deliberately designed to accelerate a charge-off prior to XXXX transfer of its credit card portfolio to XXXX XXXX  XXXX Such manipulation is misleading, prejudicial, and violates the FCRAs requirement of consistent and accurate reporting. 

XXXX. Contradictory Status Reporting The account is simultaneously listed as : Charge-Off Profit and Loss Write-Off 120+ Days Late ... to 180+ days with Balance Due These statuses can not logically coexist. An account can not be both written off and still accrue delinquency. This dual reporting is inconsistent and materially misleading. 

XXXX. Profit and Loss Write-Off Without Clarification If XXXX has reported this account as a profit and loss write-off, then one of two things must be true : If the debt has been canceled or forgiven, XXXX  must issue a Form 1099-C to me and to the IRS as required by law. 

If the debt has been sold or transferred, XXXX can not continue reporting a balance, and only the new owner may lawfully report the debt. 

To date, XXXX has failed to provide any such clarification. 

XXXX. Incomplete and Inconsistent Bureau Reporting ( every credit bureau seems to be reporting differently and w erroneous information each in its own way ) XXXX  reporting is not even consistent across bureaus. Some bureaus show charge-off ; others are in dispute ; still others omit critical remarks. This violates the FCRA requirement that credit information furnished to all bureaus must be complete and 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 2025-09-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation