vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
This complaint serves as a formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding inaccurate personal identifying information reported by Experian on my consumer credit file.

Specifically, Experian is reporting an address that is incorrect and does not belong to me : XXXX Cascadera Ct, XXXX, TX XXXX. 

I have never resided, received mail, nor conducted any financial or contractual activity at this location. The inclusion of this Texas address on my credit file is false, misleading, and damaging to my reputation and creditworthiness. 

This inaccurate information may have resulted from mixed file error, identity confusion, or improper association with another consumers data. Regardless of the source, Experian is required by law to maintain maximum possible accuracy in consumer files ( 15 U.S.C. 1681e ( b ) ) and to reinvestigate disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ).

Accordingly, I hereby demand the following : Immediate reinvestigation and removal of the inaccurate address XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX from my consumer file ; Written confirmation of the results of Experians investigation, including the source of the disputed address ; Disclosure of all entities that have accessed or used my file while this false address was reported ; and A corrected consumer report reflecting accurate identifying information.

Failure to conduct a lawful reinvestigation or to remove inaccurate data within the statutory time limit may constitute a willful or negligent violation of the FCRA, exposing Experian to liability under 15 U.S.C. 1681n and 1681o, including statutory damages, attorneys fees, and punitive damages.

Please treat this correspondence as both a formal consumer dispute and a notice of potential violation under federal law.

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 2025-11-06 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-06 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information maintained by your institution under my educational records, in accordance with the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.I have reviewed my records and identified the following inaccurate information .. Proof of original lender, with accurate amount due up to date, verify program payments enrolled. FERPA grants me the right to request that records believed to be inaccurate be corrected.I recently discovered that my personal data was exposed in a security breach and that fraudulent activity may have occurred in my name. As a result, I have identified inaccurate or unauthorized entries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax is not reporting XXXX Card Authorized user services XXXX, XXXX XXXX Closed XXXX, Inquiries are not mine on Equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Transunion is not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian is incorrectly reporting inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year> my Venmo account was hacked by an unknown person. 
Without my knowledge or permission, the hacker : Sold ALL of my cryptocurrency holdings inside XXXX  ( {$33.00} ) Transferred the proceeds plus additional funds from account via multiple unauthorized XXXX XXXX XXXXransfers to an unknown XXXX XXXX XXXXccount that does NOT belong to me Made XXXX unauthorized purchases with my XXXX XXXX XXXXard Total stolen : ( {$74.00} ) I discovered the fraud on XXXXXXXX XXXX  and immediately : Changed passwords Removed all cards/banks Locked my phone I have never met the Apple Pay recipient and never sold my own XXXX. 
Venmo violated the Electronic Fund Transfer Act ( Regulation XXXX ) and its own XXXX User Agreement XXXX ( c ), which states : Venmo will reimburse you for unauthorized XXXX transactions reported within 60 days, up to {$50000.00} lifetime. 
I reported within 3 days and they still refused. 

XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Sent email to Venmo disclosing this information XX/XX/year> Filed first fraud claim via email ( no response ) XXXX Called and reported fraud Claim # XXXX Claim # XXXX Claim XXXX XXXX Claim # XXXX XX/XX/year> - XXXX  issued credit for {$13.00} Claim # XXXX I received a new card in the mail had not even activated. Received XXXX emails showing declined transactions that were unauthorized I called customer service to get it active and another charge was unauthorized on the {$13.00} that they credited me was already taken off and sent to an XXXX XXXX account that was not mine and XXXX new attempts. 
XX/XX/year> I then closed my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Name Variations and Obsolete Addresses Reported in Violation of FCRA 611 and CFPB Regulation V To the Consumer Financial Protection Bureau : I am filing this complaint because Experian, Equifax, and TransUnion are reporting incorrect name spellings and obsolete addresses that are not mine. These inaccurate identifiers cause confusion with unrelated accounts and violate the accuracy requirements of 15 U.S.C. 1681e ( b ) and 1681i. The incorrect items appearing in my reports : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and verified information is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX These incorrect identifiers are not associated with any current or verifiable account I maintain. XXXX XXXX XXXX Section XXXX ( Base Segment Consumer Identification Fields ) and CFPB Regulation XXXX XXXX, each CRA must ensure maximum possible accuracy in the consumer identification data. I request that the CFPB require each credit bureau to : XXXX. Re-investigate and delete all inaccurate name and address variations, XXXX. Update my credit file to reflect only my correct legal name and current address, XXXX. Provide written confirmation and an updated copy of my credit file, and XXXX. Identify the furnishers or data sources that verified these errors. These errors affect my ability to maintain accurate credit reporting and may create identity-mixing risks. Please ensure these CRAs comply with FCRA 611 and Reg V data-integrity obligations. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
Consumer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Name Variations and Obsolete Addresses Reported in Violation of FCRA 611 and CFPB Regulation V To the Consumer Financial Protection Bureau : I am filing this complaint because Experian, Equifax, and TransUnion are reporting incorrect name spellings and obsolete addresses that are not mine. These inaccurate identifiers cause confusion with unrelated accounts and violate the accuracy requirements of 15 U.S.C. 1681e ( b ) and 1681i. The incorrect items appearing in my reports : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My correct and verified information is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These incorrect identifiers are not associated with any current or verifiable account I maintain. XXXX XXXX XXXX Section XXXX ( Base Segment Consumer Identification Fields ) and CFPB Regulation V 1022.42, each CRA must ensure maximum possible accuracy in the consumer identification data. I request that the CFPB require each credit bureau to : XXXX. Re-investigate and delete all inaccurate name and address variations, XXXX. Update my credit file to reflect only my correct legal name and current address, XXXX. Provide written confirmation and an updated copy of my credit file, and XXXX. Identify the furnishers or data sources that verified these errors. These errors affect my ability to maintain accurate credit reporting and may create identity-mixing risks. Please ensure these CRAs comply with FCRA 611 and Reg V data-integrity obligations. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
To Whom It May Concern : On XX/XX/year>, I submitted this formal dispute and complaint regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports. These tradelines fail to meet the accuracy and data integrity requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Metro 2 data reporting standards established by the Consumer Data Industry Association ( CDIA ).

After reviewing my credit reports from Experian, Equifax, and TransUnion dated XX/XX/year>, I have identified numerous inconsistencies, reporting errors, and unverifiable data that materially misrepresent my credit profile. 

Disputed Accounts and Issues Identified : XXXX. XXXX XXXX XXXX XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Reported as charged off, but balance, payment history, and Date of First Delinquency fields are inconsistent across bureaus. Contains contradictory remarks and status codes ( Account previously in dispute, Charge-off, Closed by grantor ), which violate Metro 2 Base Segment Field 17 ( Account Status ) and Field 11 ( Account Type ) accuracy guidelines. 

XXXX. XXXX XXXX XXXX  XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Reported charge-off date and balance inconsistent with payment history ; no verifiable data for charge-off amount. Failure to properly populate Compliance Condition Code ( CCC ) and Date of Account Information ( DAI ) fields as required under Metro 2. 

XXXX. XXXX XXXX XXXX  XXXX XXXX. Acct # XXXX ( Experian & TransUnion ) Duplicate and conflicting data entries across Experian and TransUnion files. Payment history and balance data differ by month, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and Metro 2 Field 25 ( Current Balance ) standards. 

. XXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX ( Equifax ) Reported charge-off without verified date of first delinquency or proof of sale/transfer to another entity. Improper use of narrative codes ( 067, 123, 174 ) inconsistent with charge-off status, violating Metro 2 Segment Code specifications.

Legal Basis for Dispute : Under FCRA 1681i, credit reporting agencies must reinvestigate disputed information and verify each data fields accuracy and completeness within 30 days of receipt. If a furnisher can not verify each data element per Metro 2 reporting requirements including the Date of First Delinquency, Account Status, Balance, and Payment History the entire tradeline must be corrected or deleted.

Each bureau is also required under FCRA 1681e ( b ) to ensure the maximum possible accuracy of consumer information. In addition, the CFPB XXXX XXXX mandates that data furnishers maintain procedures to ensure Metro 2 compliance and accurate transmission of account data.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year>. I am a XXXX XXXX XXXX  and i do have an education benefits for my family. I have a step son that lives in the XXXX, and also a XXXX XXXX. He never lived in the XXXX. My step son uses my VA education benefits in the XXXX and the VA has been sending him checks to the XXXX. However, because he has a very long name, the VA couldnt create a check with his full name on it and this creates a problem of depositing it to anXXXX XXXX XXXX  So I ask chase bank here in the XXXX if its possible to deposit my step sons name to my chase bank here in the XXXX. I called the chase representative on the phone and told me yes i could deposit those checks and said yes i could. I asked them if are there other requirements i have to do and said nope, thats it. Then i went to the branch itself and asked the same thing and the same exact response i got. Just endorsed the check to my name and i can deposit it to my account. And I did. I deposited it to my chase bank account. Then XXXX day later, I received an email that they put restrictions on my bank account. They told me it was considered a fraud. Then they required me to provide a phone number so they can speak to him. We created a phone number online but said it has to be a XXXX number from a XXXX provider. Then I bought a new phone with a XXXX phone number and gave it to them. Then they gave me another reason that the number is not verified. The number from XXXX has been under my step sons name since XX/XX/year>. We registered the number at the office of the federal registry. But until now they say its still not verified. Because of it, they have closed my account. I spent thousands of dollars trying to fix it and still they wouldnt release the money. My complain is that, if only they tell me from the very beginning that these are the requirements, we would not have deposited those checks to my accounts. Everytime I speak to chase rep, they always tell me different things thats why these things happened to me. I spoke to them hundreds of times but same results. I deposited XXXX checks totaling {$6900.00} plus. The check amount that they need to verify is {$460.00}. The checking account was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document. I am a victim of Identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I have reported the theft of my identity to the Fedeal Trade Commission. Please block this information from my report, pursuant to section 605B of 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like these hard inquiries off my credit report please

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 2025-11-06 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: OK

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief