vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 am submitting this complaint as a consumer who is actively reviewing my credit report for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). After carefully examining my Experian credit report, I identified several items that are inaccurate, unverifiable, and/or improperly reported. These items are negatively affecting my credit profile and must be investigated and corrected. 

Despite my right under the FCRA to have only accurate and complete information reported, the following entries appear on my Experian credit file without proper verification or supporting documentation. I am formally disputing these items and requesting a full investigation. 

Inquiries in Dispute ( Experian ) XXXX XXXX XXXX Inquiry dated XX/XX/year> XXXX XXXX XXXX Inquiry dated XX/XX/year> I do not recall authorizing these inquiries, nor have I been provided with any documentation showing permissible purpose. If Experian and the furnishers can not provide proof of authorization, these inquiries must be removed immediately in accordance with the FCRA. 

Late Payments in Dispute ( Experian ) XXXX XXXX XXXX Account ending XXXX XXXX  XXXX Account ending XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account ending 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 2025-12-28 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 disputing the following accounts and inquiries as they appear on my Experian credit report. These items are inaccurate, incomplete, and/or can not be properly verified. Some balances, dates, account statuses, and ownership details are inconsistent with my records. I am requesting that Experian conduct a reasonable reinvestigation and delete any item that can not be fully verified as required by the FCRA. 

Charged-Off Accounts ( Experian ) 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

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 2025-12-28 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: TN

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my Experian credit report. I am seeking to ensure my credit report reflects only accurate and verifiable information. 

Charged-Off Accounts I dispute the following accounts : XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$500.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$2700.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$1200.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX XXXX XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$210.00} ) I request Experian verify balances, account status, and reporting dates, and correct or remove any account information that can not be verified. 

Credit Inquiries I dispute the following inquiries as inaccurate or unauthorized : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I request verification of these inquiries and removal of any that can not be confirmed.

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 2025-12-28 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: GA

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 XXXX 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 : XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$380.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$630.00} XXXX XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$85.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$360.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$160.00} 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 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 non-monetary relief
Consumer complaint received 2025-12-28 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Late Payments : XXXX  XXXX  XXXX  Account Number : XXXX XXXX  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 2025-12-28 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that there was fraudulent accounts. I found several accounts on my credit report that I had note opened. Please remove the fraudulent accounts from my credit report as soon is possible

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 2025-12-28 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:
I am a consumer seeking to correct errors on my credit report. I am disputing the following charged off accounts : XXXX  XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$390.00} AFFIRM XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$270.00} XXXX  XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX  Account # : XXXX, Date : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$31000.00} I request that Experian investigate these accounts for accuracy and update my credit file to reflect the correct 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 2025-12-28 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 disputing the following items on my Equifax credit report due to inaccurate, incomplete, and unverifiable reporting. Under the Fair Credit Reporting Act, Equifax has a duty to ensure maximum possible accuracy. 

Charged-Off Account XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Balance : {$170.00} I dispute the accuracy of this charged-off account. If Equifax can not provide complete verification from the furnisher, including the original agreement and a full accounting of the balance, this account must be deleted.

Late Payment XXXX Account Number : XXXX The late payment reporting is inaccurate and misleading. I am requesting full validation or removal of this derogatory information.

Previous Address ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
I am filing this complaint to dispute inaccurate charged-off accounts and unauthorized inquiries reporting on my Equifax credit file. Several of these items contain inconsistent dates, balances, or reporting statuses and have not been properly verified. In accordance with the FCRA, I am requesting Equifax to reinvestigate these items and delete any information that can not be fully verified as accurate and complete. 

Charged-Off Accounts in Dispute XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$910.00} XXXX XXXX XXXX XX/XX/XXXX {$220.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$160.00} Credit Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
Dear TransUnion, I am formally disputing multiple accounts on my TransUnion credit report that are inaccurate, unverifiable, and potentially the result of unauthorized reporting or data breach activity, pursuant to 15 U.S.C. 1681. 
DISPUTED TRANSUNION ACCOUNTS INCLUDE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FINANCIAL VIOLATIONS OF FEDERAL LAW These accounts violate : 1681e ( b ) Maximum possible accuracy 1681i Reasonable reinvestigation requirements 1681s-2 Furnishing inaccurate information 1681b Impermissible purpose DATA BREACH & AUTHORIZATION DISPUTE I do not recall authorizing several of these accounts. Any tradeline that can not be supported by documented proof of authorization must be deleted under federal law.

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 2025-12-28 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: AL

Complaint narrative:
Credit XXXX Account for credit card account numbers XXXX XXXX Bank # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank reported late payments on my credit reports ( Experian, TransUnion, and Equifax ) for these accounts. These late payments were cause by delayed or missing billing statements, not my failure to pay on my part. Pursuant to Fair Credit Billing Act ( 15 U.S.C S1666b ), creditors are required to provide periodic statements in sufficient time for consumers to reasonably make payment, and consumers should not be penalized when delayed statement delivery occurs through no fault of their own. In instance, the statement was not received in a timely manner, which directly contributed to the reported late payments. I am requesting an investigation. I am also requesting that the XXXX  # ( XXXX ) ( XXXX ), XXXX  ( XXXX ) ( XXXX ), and Equifax  ( XXXX ) ( XXXX ) review this matter and remove late payments reporting in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
I am disputing the following items on my Equifax credit report. 

Charged-Off Accounts XXXX XXXX XXXX XXXX  Acct # XXXX XXXX {$570.00} XXXX XXXX Acct # XXXX XXXX {$470.00} XXXX Acct XXXX XXXX XXXX {$720.00} XXXX Acct # XXXX XXXX {$0.00XXXX XXXX XXXX  BANK Acct # XXXX XXXX {$1000.00} These accounts contain inconsistencies or unverifiable data. Please conduct a full reinvestigation. 

Late Payment XXXX  XXXX Acct # XXXX Please verify or correct the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 submitting this complaint to dispute inaccurate and incomplete information appearing on my Experian credit report. I am simply trying to ensure my credit report fairly reflects my actual credit history. 

Charged-Off / Collection Accounts I dispute the reporting of the following accounts : Department of Education XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX, balance {$34000.00} ) Department of Education XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX, balance {$17000.00} ) XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXXXXXX Acct XXXX XXXX Opened XX/XX/XXXX, balance {$9100.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$8000.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$15000.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$2800.00} ) XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX, balance {$4600.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$2500.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$680.00} ) Several of these accounts appear inaccurate, duplicated, or reported without sufficient proof of validity. I am requesting Experian verify each accounts balance, status, and reporting dates, and remove or correct any account that can not be verified.

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 2025-12-28 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: NY

Complaint narrative:
I am disputing inaccurate late payment reporting on an open account. The creditor is reporting late payments that are not accurate and/or have not been properly verified. I previously contacted the furnisher regarding these late payments, but the inaccurate information continues to be reported. 

This reporting is negatively impacting my credit profile and appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate, complete, and verifiable. 

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$490.00}

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 2025-12-28 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: CL Holdings LLC
State: TX

Complaint narrative:
My personal information was stolen. I have unknown credit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 submitting this complaint to dispute inaccurate information on my Experian credit report. 

Charged-Off Accounts I dispute the following accounts : XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$580.00} ) XXXX  Acct XXXX ( XX/XX/XXXX, balance {$3500.00} ) XXXX XXXX XXXXXXXX Acct XXXX XXXX XX/XX/XXXX, balance {$430.00} ) XXXX  Acct XXXX ( XX/XX/XXXX, balance {$3500.00} ) XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX, balance {$1200.00} ) XXXX  Acct XXXX ( XX/XX/XXXX, balance {$220.00} ) XXXXXXXX XXXX Acct XXXX XXXX XX/XX/XXXX XXXX balance {$990.00} ) XXXXXXXX XXXX Acct XXXX XXXX XX/XX/XXXX XXXX balance {$1200.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$160.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$700.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, balance {$130.00} ) XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$620.00} ) I request Experian verify the accuracy of these accounts and remove or correct any unverifiable 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 2025-12-28 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : 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 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

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient student loans automatic call after hours and on Sunday. The last time I called them back they could not find a loan because XXXX is servicing my Loans but I keep getting calls on my phone and husband phones after hours and on Sundays

Company response to consumer: Closed with explanation