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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Equifax, Experian, and TransUnion that have materially harmed my credit profile. My reports include incorrect charge-offs from XXXX XXXX ( Account XXXX XXXX, Balance {$1000.00} ) and XXXX  XXXX XXXX Account # XXXXXXXX XXXX Balance {$0.00} ), an inaccurately reported XXXX XXXX XXXX account included in my XXXX  XXXX bankruptcy ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), and unauthorized or outdated inquiries including XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These errors violate multiple provisions of the Fair Credit Reporting Act, including 605 ( a ), 605 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus are reporting obsolete information, failing to ensure accuracy, misreporting dates of delinquency, including accounts improperly in bankruptcy, and listing inquiries without permissible purpose. I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected, causing continued financial harm and potential denial of credit opportunities.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that misrepresent my financial behavior and responsibility. Upon careful review, I identified multiple late-closed accounts that are inaccurately reported. Accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported twice with a XXXX balance, along with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  all show XXXX balances, yet their closure dates, reporting status, and historical payment information appear inconsistent with my records. These discrepancies suggest that my accounts may not have been properly updated after closure, creating confusion for lenders evaluating my creditworthiness. I request that each of these accounts be reinvestigated directly with the original financial institutions to verify closure dates, account activity, and accurate balances to ensure that my report accurately reflects my responsible credit management. 
In addition, I dispute charge-off accounts, including XXXX  XXXX XXXX a balance of {$16000.00} and XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a balance of {$720.00}, the latter not reported at all on Equifax or TransUnion. These accounts, particularly the one not appearing on all reports, may lead to misinterpretation of my financial obligations, as they fail to provide a complete and accurate record of the account status and history. I request that these accounts be thoroughly reinvestigated with the original creditors to confirm balances, payment history, and reporting status. Accurate reporting is critical to prevent misleading portrayals of my financial behavior, and I expect the necessary updates to be made to reflect my verified records. 
Finally, I dispute collection accounts and unauthorized inquiries, which further compound inaccuracies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$1700.00} and XXXX XXXX XXXX  showing {$30000.00}, as well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX, require verification.

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: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that misrepresent my financial behavior and responsibility. Upon careful review, I identified multiple late-closed accounts that are inaccurately reported. Accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported twice with a XXXX balance, along with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  all show XXXX balances, yet their closure dates, reporting status, and historical payment information appear inconsistent with my records. These discrepancies suggest that my accounts may not have been properly updated after closure, creating confusion for lenders evaluating my creditworthiness. I request that each of these accounts be reinvestigated directly with the original financial institutions to verify closure dates, account activity, and accurate balances to ensure that my report accurately reflects my responsible credit management. 
In addition, I dispute charge-off accounts, including XXXX  XXXX XXXX a balance of {$16000.00} and XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a balance of {$720.00}, the latter not reported at all on Equifax or TransUnion. These accounts, particularly the one not appearing on all reports, may lead to misinterpretation of my financial obligations, as they fail to provide a complete and accurate record of the account status and history. I request that these accounts be thoroughly reinvestigated with the original creditors to confirm balances, payment history, and reporting status. Accurate reporting is critical to prevent misleading portrayals of my financial behavior, and I expect the necessary updates to be made to reflect my verified records. 
Finally, I dispute collection accounts and unauthorized inquiries, which further compound inaccuracies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$1700.00} and XXXX XXXX XXXX  showing {$30000.00}, as well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX, require verification.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
This complaint is in regards to account XXXX which you claim that I owe. I have previously requested proper validation of this debt to no avail. Under 15 USC 1681ia, you are obligated to complete the reinvestigation within 30 days of receiving my dispute, unless an extension applies under specific circumstances, none of which have been communicated to me. Please be advised that failure to complete your investigation in a timely manner constitutes a violation of the FCRA and may subject your agency to enforcement actions. Hence, I request that you expedite your reinvestigation and provide me with the results promptly pursuant to 15 USC 1692g.

Furthermore, Experian, Transunion and Equifax are reporting conflicting information for the same account which constitutes a direct violation of the FCRA 's requirement for maximum possible accuracy specifically 15 USC1681eb. The presence of contradictory information between the 3 major consumer reporting agencies confirms that the account information you have on file is unreliable and inaccurate. I am requesting proof of a detailed method of verification, including but not limited to : XXXX ) Proof of Direct Contact with Furnisher XXXX XXXX XXXX XXXX XXXX XXXX ) Consumer-Provided Evidence XXXX ) Third-Party Verification Services XXXX ) Automated Data Matching XXXX ) Contacting the Consumer

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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Greeting to you XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and On XX/XX/year> and XX/XX/year> i sent you certified letters several and NONE of them where anwsered. All ignored.You are harming and damaging my peace and well being of living my life.According to 15 USC 1692G. You have to SHOW me Debt Validation Claim? In my LETTERS I ASKED. 
XXXX. Send full detailed list of the PAYMENT HISTORY on this account? 
XXXX. I want to see the ORIGINAL SIGNATURE i agreed to on this CONTRACT for this creditor? 
XXXX. Did you RECEIVE any INSURANCE claim found on this debt? 
XXXX want to SEE the CHAIN OF TITLE that you have to COLLECT on this debt? 
I DEMAND IT OR STOP FALSE MISLEADING AND MISREPRESENTING ON MY CREDIT PROFILE AND STOP BUYING CONSUMERS PERSONAL INFORMATION I DONT KNOW WHO YOU ARE OR HOW YOU GOT MY INFORMATION.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX : XX/XX/year> Date : XXXX/XXXX/205 To : Capital One P.O. XXXX XXXX, XXXX XXXX XXXX, UT XXXX Re : Cease and Desist & Removal of Inaccurate Credit Account Account Number : XXXX To Whom It XXXX Concern : This letter serves as my formal notice for you to cease and desist all communication with me regarding the above-referenced Capital One account. Additionally, under the Fair Credit Reporting Act ( FCRA ), I am demanding that you stop reporting this account to any credit bureaus unless you can provide complete and verifiable documentation proving its accuracy. 



This account is inaccurate, unverified, and incomplete, therefore it must be removed immediately from my credit report. Continuing to report this account without proper validation constitutes violations of : 15 U.S.C. 1692c ( c ) Cease communication 15 U.S.C. 1681s-2 Duty to ensure accurate reporting 15 U.S.C. 1692e False or misleading credit information I am requesting written confirmation that : You have ceased all communication with me regarding this account. 

You have removed or requested removal of this account from all credit bureaus ( Experian, Equifax, TransUnion ). 

You will not sell, transfer, or assign this account to any third party. 



If you fail to comply, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Tennessee Attorney Generals Office This letter is sent in good faith with the expectation of your immediate cooperation. 



Sincerely, XXXX XXXX

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 status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX account that was included in my XXXX  XXXX bankruptcy filed in XX/XX/XXXX, and closed XX/XX/XXXX but Equifax is reporting inaccurate and impossible information, including account activity in XXXX, which is years after my bankruptcy filing and discharge. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report information that is accurate, complete, and not misleading under : 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

The account was closed in XXXX, years before my bankruptcy, yet Equifax is reporting updated dates, new account statuses, a balance and activity from XXXX which is impossible.

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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Equifax, Experian, and TransUnion that have materially harmed my credit profile. My reports include incorrect charge-offs from XXXX XXXX ( Account XXXX XXXX, Balance {$1000.00} ) and XXXX  XXXX XXXX Account # XXXXXXXX XXXX Balance {$0.00} ), an inaccurately reported XXXX XXXX XXXX account included in my XXXX  XXXX bankruptcy ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), and unauthorized or outdated inquiries including XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These errors violate multiple provisions of the Fair Credit Reporting Act, including 605 ( a ), 605 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus are reporting obsolete information, failing to ensure accuracy, misreporting dates of delinquency, including accounts improperly in bankruptcy, and listing inquiries without permissible purpose. I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected, causing continued financial harm and potential denial of credit opportunities.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports from Equifax, Experian, and TransUnion that have materially harmed my credit profile. My reports include incorrect charge-offs from XXXX XXXX ( Account XXXX XXXX, Balance {$1000.00} ) and XXXX  XXXX XXXX Account # XXXXXXXX XXXX Balance {$0.00} ), an inaccurately reported XXXX XXXX XXXX account included in my XXXX  XXXX bankruptcy ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), and unauthorized or outdated inquiries including XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These errors violate multiple provisions of the Fair Credit Reporting Act, including 605 ( a ), 605 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus are reporting obsolete information, failing to ensure accuracy, misreporting dates of delinquency, including accounts improperly in bankruptcy, and listing inquiries without permissible purpose. I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected, causing continued financial harm and potential denial of credit opportunities.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting which is listed on my credit file. These accounts reporting late payments XXXXXXXX XXXX XXXXXXXX Balance : {$470.00} late 30 days XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00} late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} late 30 days XXXX, XXXX, XX/XX/XXXX, late 60 days XXXX, XXXX, XX/XX/XXXX. Despite having made all required payments on this account in accordance with the agreement, the account has been incorrectly reported as being late, which is damaging my credit. Additionally, I am disputing the misreporting of the payment history for this account, as I have consistently adhered to the payment schedule. I have contacted the credit reporting agencies ( Experian, Equifax, and TransUnion ) to request a review and correction, in accordance with FCRA 611 ( 15 U.S.C 618i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), which require the accurate reporting of information and a reasonable investigation into any disputes.

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: 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: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting which is listed on my credit file. These accounts reporting late payments XXXXXXXX XXXX XXXXXXXX Balance : {$470.00} late 30 days XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00} late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} late 30 days XXXX, XXXX, XX/XX/XXXX, late 60 days XXXX, XXXX, XX/XX/XXXX. Despite having made all required payments on this account in accordance with the agreement, the account has been incorrectly reported as being late, which is damaging my credit. Additionally, I am disputing the misreporting of the payment history for this account, as I have consistently adhered to the payment schedule. I have contacted the credit reporting agencies ( Experian, Equifax, and TransUnion ) to request a review and correction, in accordance with FCRA 611 ( 15 U.S.C 618i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), which require the accurate reporting of information and a reasonable investigation into any disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
I received a letter from ARstrat debt collector agency based in Sugar Land, TX requiring that I dispute a debt in the amount of {$1300.00} by XX/XX/XXXX. A debt which is clearly not mine. The documentary is for a bill for XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX services on XX/XX/XXXX for a XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I have never lived in CA and have resided at XXXX XXXX XXXX, XXXX, TX for 30 years. I have been " assigned '' this debt simply because I have the sane name. ARstrat has clearly done even cursory research to determine I am not the same person and I consider this harassmen. I would not be surprised if ARstrat has sent similiar letters to other XXXX XXXX.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts & hard inquiries on my credit report. I am a verified victim of the XXXX  XXXX  Data Breach, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization.

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