vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
This complaint involves a fraudulent collection account reported by XXXX  under account ending XXXX. I did not open or authorize this account. My FTC Identity Theft Report ( No. XXXX ) documents extensive fraudulent activity affecting my credit profile. 

XXXX  is continuing to report and/or collect this fraudulent debt in clear violation of : FCRA 605B FCRA 611 FCRA 623 FDCPA 1692e & 1692f They were informed this debt was created through identity theft, yet they continue reporting it as valid, harming my credit and causing ongoing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MA

Complaint narrative:
I am submitting this complaint because multiple inaccuracies are being reported on my consumer credit reports. These errors are causing me significant harm, and despite my attempts to address them, they continue to appear. I request the CFPBs assistance in having these matters fully investigated and corrected.

1. Incorrect Addresses Reported The following addresses currently appearing on my credit reports are not mine, and I have never lived at or been associated with these locations : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are inaccurate and should be removed immediately for security, privacy, and accuracy purposes.

2. Inaccurate Late Payment Reporting The following accounts are reporting late payments, but this information is false and does not reflect my actual payment history. I maintain that I have never made a late payment on these accounts, and therefore the derogatory history must be corrected. 

XXXX XXXX Acct Ending : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Issue : Incorrect Late Payment Reporting XXXX XXXX Acct Ending : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Issue : Incorrect Late Payment Reporting These negative remarks are inaccurate and damaging. I request a full investigation and correction of these errors.

3. Unauthorized / Questionable Inquiry XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I do not recognize this inquiry and did not authorize it. This inquiry should be reviewed and removed if no permissible purpose existed.

Requested Resolution I respectfully request that the CFPB : Investigate each disputed item thoroughly Require the credit bureaus and data furnishers to provide proper documentation Remove all wrong addresses Remove or correct all inaccurate late payment information Remove any unauthorized inquiries lacking permissible purpose Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, verifiable, and fair. These items fail to meet that standard. Thank you for your attention. I look forward to your prompt assistanc
e in resolving these issues.

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 2025-11-24 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 filing a complaint because Experian Equifax and TransUnion continue to report inaccurate information on my credit file despite a previous dispute. The accounts were verified without correcting conflicting dates balances and account statuses which violates FCRA 1681e b and reinvestigation requirements under 1681i. Collectors did not provide proper validation under 1692g. Metro2 fields such as DOFD DOLA payment rating and compliance codes remain incorrect or missing. The inaccurate accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed on my 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 2025-11-24 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: LA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical 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 Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX DEPT OF educationXXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. 
You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe  XXXX and 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 non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical 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 Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX DEPT OF educationXXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. 
You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe  XXXX and 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I have tried to acquire my credit report from Experian and Equifax both returned an error trying to retrieve it. I've tried to contact them but have been unable to be connected to a human customer service representative. I then tried to use annualcreditreport.com to get my credit reports and had similar issues. The reports were unable to be returned to me. I have no other way of getting in contact with these companies and they seem to actively try to prevent consumers from contacting their specialists. Below is an example of the reply I got from XXXX : -- -- -- -- -- -- We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

-- -- -- -- -- -- I would like to get in contact with these bureaus so they can fix my account/profile and I can obtain my credit report which I am legally allowed to request. 

Thank you, -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 2025-11-24 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: NC

Complaint narrative:
Someone broke in my car and stole my wallet with all my personal information in use my personal credit to gain wealth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
This is my third complaint. This is NOT a duplicate. My prior complaints ( # XXXX and # XXXX ) were auto-closed even after I submitted feedback and evidence. The system closed the cases because the company marked the account Paid, but the issue is NOT resolved and the harm is ongoing.

Harris & Harris is reporting a XXXX collection that is inaccurate and was never validated. I am an active XXXX customer, and this was a billing error, not a legitimate collection debt.

I requested validation. They only sent an old bill and a generic REG-F form not real validation and continued reporting and verifying the debt anyway. This violates FDCPA 1692g ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

Updating the account to Paid/Closed does NOT fix the inaccuracy. A Paid Collection is still a derogatory mark and continues to harm me, especially after my car accident while trying to finance a replacement vehicle.

CFPB closed my previous complaints before my evidence and rebuttal could be fully reviewed, so I am requesting supervisory review.

I am requesting the CFPB require Harris & Harris to : Delete the entire collection tradeline from all credit bureaus Provide full FDCPA validation ( contract, itemization, proof of ownership ) if they claim the debt is valid Stop furnishing and reporting unvalidated information Provide written confirmation of deletion This matter now requires senior review because automated closure has prevented proper investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian \XXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1.XXXX XXXX XXXX XXXX XXXX \n2.XXXX XXXX XXXX XXXX XXXX3.XXXX XXXX XXXX XXXX XXXX4XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\XXXX XXXX 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 2025-11-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Closed Accounts Not Belonging to Me Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the closed accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act, I have the right to dispute any inaccurate information on my credit report, and I believe that these accounts are erroneously associated with my identity.

I have recently reviewed my credit report and identified several accounts that I do not recognize. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have taken steps to investigate these accounts and have found no evidence that I am associated with them. As per the Consumer Protection Act, I request that you provide verification of the ownership of these accounts within the required timeframe. If you are unable to provide sufficient proof that these accounts are legitimately linked to me, I kindly request that you remove them from my credit report urgently.

In addition, please confirm the steps you will take to ensure that my rights as a consumer are protected, as stipulated under the law. I would appreciate your prompt attention to this matter and request that you respond to my dispute within the next 30 days.

Thank you for your cooperation. I look forward to resolving this matter amicably. 

Sincerely, XXXX 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 2025-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit inquiries that did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
My credit info was used to try and open fraudulent credit account. I am a victim of identity theft. Please dispute and remove following inquiry

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 2025-11-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize the address above please remove..

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 2025-11-25 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-11-25 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: AZ

Complaint narrative:
I am writing this letter because my credit report has several mistakes that need to be corrected. These errors are affecting my credit score and causing issues, so I am requesting an investigation.

Wrong Addresses The following addresses are not mine and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Duplicate ) Accounts I Am Disputing XXXX XXXX XXXX XXXX  Charge Off I do not recognize this account. Please verify or delete. 

XXXX XXXX XXXX Late Payment The late payment reporting is incorrect. I never paid late. Please correct.

XXXX XXXX XXXX XXXX XXXX Collection I do not know this account. Please verify or remove. 

XXXX XXXX XXXX XXXXXXXX Collection I do not recognize this account. Requesting validation. 

XXXX XXXX XXXX XXXX Collection I do not know this account. Please verify or delete. 

XXXX XXXX XXXX XXXX  Collection I do not recognize this account. Requesting validation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Collection I do not know this account. Please verify or remove. 

Hard Inquiries I Did Not Approve These inquiries should be removed if no authorization exists : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Requested Action : Remove wrong addresses Correct inaccurate late payment Remove unverified or unknown accounts Remove unauthorized hard inquiries Provide written results after investigation Thank you for reviewing my complaint. I look forward to your response within the required time.

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