vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
Experian filed to investigate a submitted disputed. The vehicle under XXXX XXXX was totaled. XXXX XXXX paid over {$8000.00} of the {$15000.00} due. Disputed was submitted on XX/XX/year> with the results on XX/XX/year> stating '' Information on this item has been updated. Please review your report for the details '' when nothing changed. The results were returned in less than XXXX hours therefore there wa no way an investigation was conducted. Pls review this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
Account : XXXX XXXX  # XXXX The credit bureaus are violating FCRA Section 623 by reporting impossible dates they can not verify on the XXXX account - XX/XX/XXXX charge-off with XX/XX/XXXX verification and XX/XX/XXXX payment dates. I've been filing complaints since XXXX but they keep stalling and won't delete it. Under federal law, when they can't prove information is accurate, they must delete it immediately. They have no documentation showing these future dates are real because they don't exist. This is the same violation pattern that cost other bureaus millions in penalties- they're risking massive fines by keeping fake data instead of just deleting this obviously fabricated entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
Account : XXXX XXXX  # XXXX The credit bureaus are violating FCRA Section 623 by reporting impossible dates they can not verify on the XXXX account - XX/XX/XXXX charge-off with XX/XX/XXXX verification and XX/XX/XXXX payment dates. I've been filing complaints since XXXX but they keep stalling and won't delete it. Under federal law, when they can't prove information is accurate, they must delete it immediately. They have no documentation showing these future dates are real because they don't exist. This is the same violation pattern that cost other bureaus millions in penalties- they're risking massive fines by keeping fake data instead of just deleting this obviously fabricated entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: OH

Complaint narrative:
My personal information is compromised. I became aware of this incident on or around XX/XX/year> when I noticed unrecognized transactions on my credit reports. An unknown person used my personal information to secure a line of credit in my name. This involved using my name, social security number, date of birth and other personal information to secure the credit. I have no knowledge of this transaction and I do not know the person involved in this act. This information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I have fraudulent account on my report. Please remove this fraudulent account from my report, it is hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I am a victim of identity theft. My credit report with Equifax  contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax to correct my current address. 
I provided documentation showing that my correct address is in XXXX, NC. 

On XX/XX/year>, Equifax completed the dispute and sent me the results. However, they did not update my address correctly. They continue to list an old address in XXXX, NJ as my current residence. 

This information is inaccurate and affects the accuracy of my credit report. I am requesting that Equifax update my report to reflect my actual current address in XXXX, NC, as supported by the documents I previously submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
I FILE XXXX XXXX XXXX ON XX/XX/year> AT THE TIME OF FILING XXXX XXXX XXXX MY ACCOUNT WITH XXXX WAS ON TIME NO LATENES NO 30, 60 OR 90 DAYS AT ALL ON MY CREDIT CARD. I MADE PAYMENTS ON MY CREDIT ACCOUNT ON TIME MONTHLY. I HAD A BALANCE AT THE TIME OF FILING OF {$130.00} MY LAST PAYMENT WAS MADE ON XX/XX/year> MY PAYMENT DATE WAS XX/XX/year>. I FILE XXXX  XXXX ON XX/XX/XXXX XXXX. ON MY CREDIT REPORT THEY ARE REPORTING WRONG DATES ON MY CREDIT FILE. THE FIRST DATE OF DELIQUENCY WHAT XX/XX/XXXX AND DATE OF MAJOR DELIQUENCY XX/XX/year>. WHAT IS THIS I HAVE NEVER BEEN LATE SECOND THEY RECEIVE PAYMENT IN XXXX MY NEXY PAYMENT DATE WAS NOT TILL XX/XX/year>. WHICH I HAVE ENCLOSE MY STATEMENTS SHOWING THAT. I AM DISPUTTING THIS OFF MY CREDIT REPORT SECOND UNDER THE FAIR CREDIT REPORTING ACT MY FILING DATE WAS XX/XX/year> ITS A VIOLATION FOR A CREDITOR TO UPDATE ANY DATES AFTER THE FILING DATE OF MY BANKRUPTCY PETION THEY GOT A COPY OF THAT DATE, THIS NEEDS TO BE UPDATE ON ALL PARTS ITS THE REPOTING AGENCY JOB TO MAKE SURE THIS GET DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Financial Assistance Inc
State: NV

Complaint narrative:
I don't know what this company is and what they're reporting but it is a collection charge off that is still acquiring interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NV

Complaint narrative:
Account shows charge off I asked for my 1099 schedule C for tax purposes and was never provided with one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: NV

Complaint narrative:
Account shows charge off I asked for my 1099 schedule C for tax purposes and was never provided with one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in theXX/XX/XXXX data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 


XX/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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX  altered my Barclays Bank Delaware payment history retroactively. On or about XXXX XXXX, XXXX, XXXX months that were previously reported as Current were changed to late payments : 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 These late payments were not present on earlier reports and were added years later, which constitutes unlawful re-aging under FCRA 605 ( c ). A credit bureau can not go back years and insert new late payments that were never originally reported.

This change has damaged my credit score, misrepresents my payment history, and violates my rights under the Fair Credit Reporting Act. I request that CFPB require Barclays and XXXX  to either : Provide documentation of original billing records showing these lates, or Remove them immediately from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 


Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
Account : XXXX XXXX  # XXXX The credit bureaus are violating FCRA Section 623 by reporting impossible dates they can not verify on the XXXX account - XX/XX/XXXX charge-off with XX/XX/XXXX verification and XX/XX/XXXX payment dates. I've been filing complaints since XXXX but they keep stalling and won't delete it. Under federal law, when they can't prove information is accurate, they must delete it immediately. They have no documentation showing these future dates are real because they don't exist. This is the same violation pattern that cost other bureaus millions in penalties- they're risking massive fines by keeping fake data instead of just deleting this obviously fabricated entry.

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