vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccuracies in my credit report. I request an investigation into the following accounts in dispute for each credit bureau ( Equifax, Experian, and TransUnion ). Please review the accounts and inquiries listed below, and if any information can not be verified, I request that the items be corrected or removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute : XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$5500.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$5300.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$7800.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$2700.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX Account XXXX : XXXX Reported : XX/XX/XXXX Balance : {$1600.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXXXXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$3100.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$2800.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 
Experian ( EX ) Inquiries : XXXX XXXX XXXX : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 
XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. 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 2025-11-03 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 disputing the following items on my credit report. Please review and correct them in accordance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} INQUIRIES XXXX CARD, Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX, Account Number : XXXX, Late Payment Reported XXXX XXXX XXXX, Account Number : XXXX, Late Payment Reported

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
i disputed with all three credit bureaus and experian is the only on who didnt delete this off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am writing to dispute the following items on my credit report. I believe that the information provided is inaccurate and requires correction. I request that these items be reviewed and corrected as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I respectfully request that it be removed from my credit report. 

Charged Off Accounts : XXXXXXXX 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IA

Complaint narrative:
b'Please update my personal identifying information to reflect only the correct and current version: \nFull Legal Name: XXXX XXXX XXXX \nCurrent Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nRemove all old or inaccurate versions, including: \n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All outdated addresses and prior employer listings \nPer 15 U.S.C. 1681e(b), you are required to maintain maximum possible accuracy. Please \nconfirm once my record has been corrected. \nThank you, XXXX XXXX XXXX XXXXSubject: Account Accuracy Dispute  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nDear Equifax, \nI am disputing the reporting of my XXXX XXXX XXXX  account. My XXXX and XXXX \nreports list different balances, which indicates an error in reporting to at least one bureau. \nThis violates the standard of maximum possible accuracy under 15 U.S.C. 1681e(b) and \ntriggers your duty to reinvestigate under 1681i(a)(1)(A).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am writing to dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ). The following negative items need to be investigated and corrected, as they are inaccurate or unverifiable. 
Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of Birth : XX/XX/year> SSN : XXXX I have reviewed my credit report and found the following discrepancies : XXXX. Charge-Off Account : o Creditor : XXXXXXXX XXXX XXXX XXXX Account Status : Charge-off o Balance : {$28000.00} o Discrepancy : I dispute this charge-off because I have not received sufficient proof of this balance and the creditor 's failure to appropriately report the status of this account. 
XXXX. Past Due Amount : o Creditor : XXXXXXXX XXXX XXXX o Past Due Amount : {$28000.00} o Discrepancy : I dispute this past due balance as inaccurate and request further verification of the amount owed and the terms of the account. 
XXXX. Late Payment ( XXXX ) : o Creditor : XXXX XXXX Payment History : Includes late payments o Discrepancy : I dispute these late payments as I have paid on time and request that the creditor provide proof of any missed payments. 
XXXX. Settled Account : o Creditor : XXXX XXXX XXXX XXXX Status : Settled o Discrepancy : I dispute this settled status as it was not accurately reported, and I request verification of the settlement terms and the balance cleared. 
I request that these items be investigated and corrected or removed if they can not be verified. Please conduct a reasonable investigation and provide the necessary documentation proving the accuracy of the disputed information.

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 2025-11-03 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: TX

Complaint narrative:
I am not responsible for these accounts ; remove them within 15 days following USC 1681g.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-03 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: SC

Complaint narrative:
I am submitting this formal complaint to report multiple inaccurate and unauthorized items being reported on my credit profile. These errors have caused significant harm to my credit reputation and financial standing. Despite my efforts to resolve these inaccuracies directly with the credit bureaus, the issues remain unresolved. 

Below are the specific items in dispute : Incorrect Personal Information : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX  XXXX, SC XXXX Wrong Address These addresses are not associated with me, and I have no connection to them. The inclusion of these addresses indicates possible identity confusion or reporting errors, which need immediate removal from my credit file. 

Unauthorized/Unknown Accounts : XXXX  ( XXXX ) High Balance : {$8200.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX XXXX ( XXXX ) High Balance : {$270.00} | Date Opened : XX/XX/XXXX | Collection XXXX  ( XXXX ) High Balance : {$1600.00} | Date Opened : XX/XX/XXXX | Collection I have no knowledge or record of ever opening or authorizing any of the above accounts. These accounts are inaccurate and have been wrongfully reported as charge-offs and collections, severely damaging my credit profile. I request that these accounts be deleted immediately from my credit reports, as they are not mine and constitute a violation of the Fair Credit Reporting Act ( FCRA ) under sections 602A and 611 ( a ). 

Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize these hard inquiries. Unpermitted credit pulls without my consent are a violation of FCRA 604 ( a ) ( 3 ). These inquiries should be removed immediately from my credit reports. 

I am requesting the CFPB to investigate these matters promptly and ensure that the credit bureaus and furnishers comply with all applicable federal laws by deleting these unauthorized and inaccurate items. 

Please provide written confirmation once these issues have been resolved and corrective action has been taken. 

Thank you for your immediate 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 2025-11-03 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 am disputing the following inquiries on my Experian credit report : Inquiries : XXXX XXXX  : Date Opened : XX/XX/2025

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 2025-11-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute several negative items reported on my credit file. After reviewing my credit report, I believe the following items are either inaccurate or unverifiable. I request a full investigation into these discrepancies. 
Experian Negative Items : XXXX. XXXX XXXX Status : Charge-Off o Balance : {$2100.00} o Type : Collection/Chargeoff o Date Reported : [ Provide Date Reported if available ] o Dispute Reason : I am requesting verification of this charge-off. If no supporting documentation can be provided, I kindly ask that this account be removed from my credit report. 
XXXX. Late Payments o 30-day late and 60-day late payments are reported between XXXX and XXXX. 
o Dispute Reason : Please verify the accuracy of these late payments with the appropriate supporting documents. If these entries are found to be inaccurate, I request their removal.

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 2025-11-03 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-03 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:
Charged-Off Accounts in Dispute XXXX XXXX Account XXXX. XXXX, Date Opened : XXXX XXXX XXXX XXXX, Account No. XXXX, Date Opened : XXXX XXXX  XXXX XXXX, Account No. XXXX, Date Opened : XXXX XXXX, Account XXXX. XXXX, Date Opened : XXXX For all accounts listed above, I dispute the reporting as inaccurate or unverifiable. The furnisher ( s ) have not provided sufficient documentation proving the debt is valid, the balance is correct, or that the account is being reported under the correct status and date of first delinquency. I request a reinvestigation and deletion of any unverifiable or incorrect information. 

Late Payment Accounts XXXX  XXXX XXXX, Account No. XXXX I dispute the reported late payments. The information may be incomplete or inaccurate. Please verify all payment history or remove unverifiable negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have called Wells Fargo rewards representative, and was on the phone each time for an hour with no resolution, and was told that they were not able to see a checking account ( of which I have ), to transfer my available cash redemption ( around {$650.00} worth ). I was told when I first called XXXX weeks ago that they would put a claim in and that someone would send me an email with a resolution and as of today I still hadn't received an email so I called today XX/XX/year> at XXXX XXXX XXXX. The rewards representative ( he was actually pleasant ), and he did see notes, but did not see that a claim was started, so he placed notes and I hope he started a claim and then transferred me to on line banking. This conversation with on line banking was so awful. The representative 's name ( she said XXXX XXXX ). She said she needed to verify me ( understandable ), and asked me for my last XXXX digits of my social, of which I gave her, and then she asked for my username and I gave it to her, and she said it was incorrect. I told her I am logged into my account with that username, and that is my username, and she said I'M SORRY THAT ISN'T CORRECT MA'AM. I asker her to try again and she said she could not check again, and I told her I would report this and then hung up.

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 2025-11-03 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 have no relation to these accounts and suspect identity theft. Please investigate and remove them from my records. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 requesting a review of my Equifax credit report. I am actively working to repair my credit and want all information reported to be accurate, verifiable, and correctly attributed to me. 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX Account # XXXX, XX/XX/year>, {$0.00} Inquiries in Dispute : No inquiries currently appear on my Equifax report XXXX Please verify that all reported inquiries are authorized and remove any that can not be verified. 

Late Payments in Dispute : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-03 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-03 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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