vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
As a consumer protected by the Fair Credit Reporting Act, I am exercising my right to dispute inaccurate information. My recent credit report includes hard inquiries I did not approve or initiate.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I applied for a bankruptcy in GA during the pandemic however, I asked the courts to dismiss it because I no longer needed the bankruptcy and the courts dismissed without judgement. This is still on my credit report but it's not showing in a positive that it was dismissed without judgement by the courts. Everything that I apply for I can't qualify for because of this dismissed bankruptcy on my report. I've sent letters to all the credit agencies from the courts previously and still this sits on my report. I need help with removal.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Unable to test password online. Speak with Equifax representative still unable to give me access to online credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
paid account in XXXX  {$390.00} I spoke to all 3 bureaus account was closed and suppose to be removed off credit but its still there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This letter serves as a formal dispute regarding a late payment entry associated with my account, which I believe has been inaccurately reported. Pursuant to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and verifiable.

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 2025-07-17 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 writing to dispute an unauthorized account reported in my credit file. I have no affiliation with the account, did not open it, and have never benefited from it in any capacity.

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 2025-07-17 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:
Charge off Account The following account below is being reported as charge off account : Account : XXXX XXXX Account XXXX  ( XXXX ) Last payment Made : XX/XX/year> Date Closed : XX/XX/year> How is it possible to receive payment after account being closed? 



As defined by the IRS : XXXX XXXX  considers a Charge off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my report is not accurate! 



By IRS rules, any canceled debt or Charge off is classified as income, reporting this a XXXX a debt is incorrect. 



According to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 



XXXX XXXX 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate. 

This in summary I've shown you that this information is wrong, and you have been notified, keeping inaccurate inform on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 



Please delete the incorrect information from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had a personal loan that was paid off but for some reason i have another loan that i never had on my credit report, Loan that was paid off is on report as paid. but this one say i owe. This is a fraudulent account. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX Status Collection account. {$9700.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Pay Experian For Years Each Month {$29.00} & I Had A Lot Of Information In It But Today When My Bank Contacted Experian, Equifax, TransUnion Said I Have No FICO SCORE NO INFORMATION AT ALL When XXXX XXXX XXXX XXXX, Bought A Home XXXX My Mortgage XXXX XXXX XXXX + All My Accounts Ive Paid For Years But Now Suddenly Everything is ERASED XXXX Nothing Of My Credit History Was On Any Credit Bureau. I Called Experian But Their Robot Refuses To Let Me Speak To A Human Agent & Hangs Up On Me. Something Is EXTREMELY WRONG PLEASE HELP THANKS

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 2025-07-17 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 2025-07-17 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:
The presence of unauthorized hard inquiries on my credit report has caused significant mental distress and concern for the integrity of my financial standing. I have not applied for any credit products that would justify these entries.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I solemnly affirm. Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my security number and card along with other personal identifying information without my consent to apply for goods services or funds unfortunately they succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC. Unauthorized Accounts.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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXXXXXX XXXX {$5800.00} DATE OPEN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} DATE OPEN : XX/XX/year>

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 2025-07-17 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: LEXISNEXIS
State: CA

Complaint narrative:
Auto accident XXXX  in a XXXX I dont own and they said it was me but I was never in auto accident in XXXX  and never had type of vehicle claimed I was driving and under XXXX  XXXX insurance under my name which someone was to contact me investigating and they paid other party over {$5000.00}. All of this is affecting my car insurance rate and life and never knew about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Marlette Funding, LLC
State: IL

Complaint narrative:
Issues with sharing credit information without consent. SSN and information exposed to the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
An account has appeared on my credit report that I did not open. This account was created without my knowledge and is the result of identity theft.

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 2025-07-17 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: MI

Complaint narrative:
I am writing to respectfully request the correction of an inaccurately reported late payment on my credit report. As a responsible and proactive consumer, I carefully monitor my financial obligations and have no record of submitting a late payment for the account in question. The presence of this incorrect negative mark is having a significant impact on my credit profile, despite my otherwise positive history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AR

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. CODE 1666 ( 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 non-monetary relief
Consumer complaint received 2025-07-17 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: OK

Complaint narrative:
There are over XXXX credit inquires on my credit bureaus of which I did not authorize or establish. My SSN has been compromised on the " dark web '' and someone has been trying to use my SSN to establish credit without my knowledge.

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 2025-07-17 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: OK

Complaint narrative:
There are over XXXX credit inquires on my credit bureaus of which I did not authorize or establish. My SSN has been compromised on the " dark web '' and someone has been trying to use my SSN to establish credit without my knowledge.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
Good day, I need to express just how overwhelming and mentally draining this situation has become. I recently discovered a collection account on my credit report tied to a debt I know nothing aboutan account that is unverified and clearly not mine. Since then, Ive been receiving repeated and unwelcome contact from different channels, some even using threatening language. As a law-abiding consumer, I find it deeply insulting to be treated this way. My rights under the law are being ignored, and the stress and anxiety this has caused have taken a serious toll on my well-being. Ive lost sleep over this, and it continues to impact me emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is 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 explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( XXXX XXXX XXXX XXXX {$18.00} XXXX ; XXXXXXXX XXXX XXXX {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXXXXXX XXXX XXXXXXXX

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 2025-07-17 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: Revenue Enterprises, LLC
State: KS

Complaint narrative:
I previously disputed this account with XXXX  because I believe it is being reported inaccurately. The balance, date of first delinquency, and account status do not match my records. This account is medical in nature and should not appear in the manner it currently does. Despite my prior dispute, XXXX  did not remove or correct the reporting, and no meaningful investigation appears to have taken place. I am requesting a full reinvestigation and documentation validating the debt, including original creditor details and itemization. This account is severely impacting my credit, and I need the XXXX  assistance to ensure my consumer rights are upheld. 

I am disputing a medical collection account from XXXX XXXX that is being reported on my XXXX  credit file. The reported delinquency date appears to have been altered or re-aged in a way that misrepresents the age of the debt. This account should have aged off my report based on the original delinquency, but instead it is being shown as more recent, which unfairly damages my credit. I previously disputed this with XXXX, but they did not correct or remove the account, nor did they properly investigate the re-aging issue. I am requesting the CFPB to assist in having this account either validated with proper original date documentation or removed due to FCRA violations regarding inaccurate reporting and re-aging.

Company response to consumer: Closed with non-monetary relief