vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. 
After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX  XXXX XXXX Date Opened XX/XX/year> These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ). 
Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts 3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C. 1681n and 16810, subjecting your agency to civil liability. 
Thank you for your prompt attention to 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 2025-12-18 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. 
After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX  XXXX XXXX Date Opened XX/XX/year> These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ). 
Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts 3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C. 1681n and 16810, subjecting your agency to civil liability. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-12-18 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: AL

Complaint narrative:
I am submitting this complaint because there are several inaccurate, outdated, or unverifiable items being reported on my credit file by the credit reporting agencies listed below. I am requesting a full investigation and correction or deletion of all items that can not be verified under the Fair Credit Reporting Act ( FCRA ). 


Charged Off Accounts There are accounts showing as charged off that I believe are inaccurate or not properly verified : No charged off accounts currently listed in dispute. 

Inquiries The following inquiries were not authorized or properly verified, and I am requesting their removal : XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my consent or permissible purpose under the FCRA 604. 

Late Payments XXXX  Account # XXXX This account is being reported with late payments that I dispute as inaccurate. Please verify the payment history and correct or remove any incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: IA

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 2025-12-18 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
A random company, with no identifying number, without prior authorization, texted me out of nowhere after hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX XXXX XXXX  and XXXX XXXX XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I find it abusive and predatory that Concora / Milestone credit card company charges an annual fee equivalent to 33 % of the credit limit and then charges an extra {$36.00} for the year or 12 % of the {$300.00} credit limit that is broken up into $ 3 monthly service fees. Im sure there are other consumers complaining about this unless their client base is too small to cause eyebrows to be raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-18 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:
Would you mind verifying this entry for accuracy? It might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management XXXX recognize these people they was sold my credit card debt from some body else they say dont recognize this company tried to dispute saying I owe them over XXXX dollars but never posed a card that had over XXXX dollars on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-18 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: OH

Complaint narrative:
Dear Sir/Madam, I am filing a complaint regarding the following accounts, which I believe are inaccurate and need to be corrected. These disputes are separated by the credit bureaus in question : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} INQUIRIES : XXXX  Date : XX/XX/XXXX LATE PAYMENTS : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-18 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: AL

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete credit reporting. Please address the following issues for each respective credit bureau. These accounts are being disputed due to inaccurate reporting, including misreporting of balances, incorrect dates, or unsubstantiated charges. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-18 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: GA

Complaint narrative:
The consumer reporting agencies are reporting inaccurate and misleading information on my personal credit reports that does not meet the maximum possible accuracy standard. 

First, three XXXX XXXX business credit card accounts are being reported as derogatory personal consumer tradelines. These accounts are business/commercial credit products issued in business names ( two under one business and one under another ). Statements identify them as business cards, yet they are appearing on my personal credit reports in a way that suggests personal consumer default. This mischaracterizes business credit activity as personal consumer delinquency. 

Second, my mortgage account shows a new 30-day late payment for XX/XX/XXXX, despite a history of on-time payments since XXXX. I have not been provided documentation showing a valid delinquency for that month ( such as the contractual due date, grace period, payment receipt date, or posting date ). 

Third, a closed XXXX XXXX XXXXXXXX credit card account shows a single 30-day late payment for XX/XX/XXXX. I dispute the accuracy and substantiation of this discrete late-payment code and have not received account-level documentation confirming that a valid 30-day delinquency occurred for that billing cycle. 

I submitted written disputes and supporting documentation requesting reinvestigation and correction. Despite this, the inaccurate and misleading items continue to be reported. I am seeking accurate credit reporting consistent with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief