vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am formally disputing multiple inaccuracies on my credit reports that appear across Experian, Equifax, and TransUnion, which violate FCRA 623 ( a ) ( 1 ) ( A ) Obligations of Furnishers, 607 ( b ) CRA Accuracy Requirements, and 623 ( a ) ( 2 ) Duty to Correct and Update Information. My addresses are inconsistently reported as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX in Experian, and XXXX XXXX XXXX XXXX, XXXX, ID XXXX in TransUnion. These errors have led to confusion and inaccurate account reporting, including duplicate or misaligned listings. I request that my addresses be updated to reflect my correct residence, and all duplicate or conflicting entries be corrected immediately to maintain maximum possible accuracy. 
In addition, several charge-off accounts are reported inconsistently across the bureaus, creating substantial inaccuracies in my credit profile. XXXX XXXX XXXX XXXX / XXXX is reported with a balance of {$580.00} in Experian, Equifax, and TransUnion, but reporting formats differ and violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ).

Each account should be corrected to reflect the accurate balance, date of first delinquency, and status consistently across all three credit reports. Failure to correct these inconsistencies misrepresents my creditworthiness. 
Furthermore, several collections are reported inaccurately and inconsistently across the bureaus, in violation of FDCPA 809 Debt Validation Rights, 807 False or Misleading Representations, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( c ). XXXX XXXX XXXX shows a balance of {$1900.00} across all three bureaus ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$1300.00} with original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$590.00} with original creditor XXXX XXXX XXXX XXXX XXXX 
Each of these accounts must be reinvestigated, verified, and updated to ensure accurate reporting, or removed if unverifiable. These errors include duplicate reporting, outdated balances, and inconsistent reporting across bureaus. I also request written confirmation of the results of your reinvestigation in accordance with FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
I am formally disputing multiple inaccuracies on my credit reports that appear across Experian, Equifax, and TransUnion, which violate FCRA 623 ( a ) ( 1 ) ( A ) Obligations of Furnishers, 607 ( b ) CRA Accuracy Requirements, and 623 ( a ) ( 2 ) Duty to Correct and Update Information. My addresses are inconsistently reported as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX in Experian, and XXXX XXXX XXXX XXXX, XXXX, ID XXXX in TransUnion. These errors have led to confusion and inaccurate account reporting, including duplicate or misaligned listings. I request that my addresses be updated to reflect my correct residence, and all duplicate or conflicting entries be corrected immediately to maintain maximum possible accuracy. 
In addition, several charge-off accounts are reported inconsistently across the bureaus, creating substantial inaccuracies in my credit profile. XXXX XXXX XXXX XXXX / XXXX is reported with a balance of {$580.00} in Experian, Equifax, and TransUnion, but reporting formats differ and violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ).

Each account should be corrected to reflect the accurate balance, date of first delinquency, and status consistently across all three credit reports. Failure to correct these inconsistencies misrepresents my creditworthiness. 
Furthermore, several collections are reported inaccurately and inconsistently across the bureaus, in violation of FDCPA 809 Debt Validation Rights, 807 False or Misleading Representations, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( c ). XXXX XXXX XXXX shows a balance of {$1900.00} across all three bureaus ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$1300.00} with original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$590.00} with original creditor XXXX XXXX XXXX XXXX XXXX 
Each of these accounts must be reinvestigated, verified, and updated to ensure accurate reporting, or removed if unverifiable. These errors include duplicate reporting, outdated balances, and inconsistent reporting across bureaus. I also request written confirmation of the results of your reinvestigation in accordance with FCRA 611.

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 2025-11-17 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: Certegy Holdings, LLC
State: TX

Complaint narrative:
Certegy Check Services is maintaining and using information connected to my identity without authorization, without consent, and without any permissible purpose as required under the Fair Credit Reporting Act. I have never authorized any merchant, financial institution, or service provider to furnish, share, or transmit my personal information to Certegy for check verification or risk screening. 

I filed an FTC Identity Theft Report (XX/XX/XXXXXXXX ) confirming that my identity was used without permission. Any data Certegy is holding was obtained or furnished illegally and is unverified, unauthorized, and identity-theft-related.

Because Certegy can not provide ANY signed authorization, contract, application, or written consent, they are in violation of : FCRA 604 ( a ) No permissible purpose FCRA 605B / 15 U.S.C. 1681c-2 Mandatory 4-day blocking of identity-theft information FCRA 609 ( e ) Must provide all documents allegedly used to obtain credit ( none exist ) FCRA 623 ( a ) ( 1 ) ( A ) Prohi
bits reporting unverified or unauthorized information FCRA 611 ( a ) Requires deletion of unverifiable information FCRA 603 ( q ) Unauthorized use of identity qualifies as identity theft Certegy is holding data illegally, without consent, and without statutory authority

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-11-17 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding specific items on my credit report, including a late payment reported on a closed account with XXXX  ( balance {$0.00} ), as well as hard inquiries from XXXX XXXX XXXX XXXX ( dated XX/XX/year> ), XXXX XXXX XXXX ( dated XX/XX/year> ), and XXXX XXXX ( dated XX/XX/year> ). I believe that these items are inaccurate, incomplete, or unverifiable, yet they remain on my credit report. I have not received any results or explanations from the credit reporting agency ( CRA ) regarding the accuracy of these entries, which I believe constitutes a violation of the reinvestigation and accuracy standards set forth by the Fair Credit Reporting Act ( FCRA ).

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint because of reporting inaccurate late payments on my credit file that do not appear in the other credit bureaus, creating inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and misrepresent my true credit history. TransUnion lists my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which carries a {$0.00} balance, as having a XXXX late payment in XX/XX/year>, even though this late mark is not reported in Experian or Equifax, indicating that TransUnion is maintaining outdated or incorrect data. Additionally, TransUnion reports my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) with a severe 120-day late payment, while Experian does not report any such late status, causing major discrepancies between the bureaus.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days- rapired late closed in XXXX and XXXX. Under FCRA 611 ( 15 U.S.C. 1681i ) I am exercising my right to dispute inaccurate information; under FCRA 623 ( a ) ( 2 ) furnishers are legally required to correct and update information to ensure accuracy ; and under FCRA 623 ( b ) they must complete a reasonable investigation once notified. These inconsistent late entries also violate the purpose laid out in FCRA 602, which requires consumer reports to be fair, accurate, and reliable. The conflicting reports across bureaus have caused harm to my creditworthiness and do not reflect my true payment behavior ; therefore, I am requesting immediate regulatory assistance to ensure that TransUnion reinvestigates and corrects these errors.

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 2025-11-17 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: LA

Complaint narrative:
EQUIFAXS DATA BREACH HAA EFFECTED MY CREDIT REPORTS....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX  XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$450.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-17 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$32000.00} Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$21000.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$6600.00} Account name XXXX  XXXX Account number XXXX Account tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXXXXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting to formally dispute several inaccurately reported late payments appearing on my credit file. As I carefully reviewed my credit file, I was surprised to find several inaccuracies that do not align with my true credit history, and I am formally requesting a reinvestigation under FCRA 611. The issues I discovered involve incorrect addresses, inconsistent charge-off data, collection accounts reported improperly, and inquiries that do not reflect a legitimate permissible purpose. Under FCRA 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ), every item reported must be accurate, complete, and based on a lawful purpose, yet the entries on my file tell a different and misleading story. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  Balance Owed : XXXX XXXXXXXX reported in EQ and TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXXXXXXnot reported in EQ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX-not reported in EX and TU XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), furnishers must provide complete, accurate reporting of balances, DOFD, and account status any inconsistency creates a false narrative about my credit obligations and repayment history. Under FCRA 604 ( a ) ( 3 ), every hard inquiry must be tied to a lawful, consumer-initiated permissible purpose. Any inquiry conducted without my knowledge or authorization misrepresents my credit-seeking behavior and negatively affects my report.

Company response to consumer: Closed with non-monetary relief