vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Written notice and identity docs are included, id like to resolve this issue before litigation with my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of late payments by a creditor on my credit report. Despite making all payments on time, this account continues to reflect late payment entries that are incorrect and damaging to my credit profile. 

The creditor is claiming that I was late in XX/XX/year>, however, my credit report clearly shows a Pays As Agreed ( current/good payment ) status for that same month. The inaccuracies begin from XXXX through XX/XX/year>, where the account suddenly reports as late, even though all payments were made on time and no missed payments occurred. 

I contacted the creditor directly, and an agent verbally confirmed that XX/XX/year> was marked late in their system which directly contradicts the credit report data that shows the account was current. This inconsistency has resulted in ongoing reporting errors that are unfairly harming my credit standing. 

I am attaching copies of my credit report and payment records to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am writing under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) to dispute inaccurate and inconsistent information being reported on my Experian credit file.

The following account is being inaccurately reported : Creditor : XXXX XXXX  Account Type : Unsecured Personal Loan Balance : {$9600.00} Status : Charge-off / Collection Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX This account appears only on Experian and not on XXXX  or XXXX XXXXXXXX a crossbureau inconsistency and violating the requirement for maximum possible accuracy under FCRA 1681e ( b ). Additionally, it continues to reflect a balance after charge-off, which is inaccurate and misleading to potential creditors. 
Therefore, I am formally requesting permanent deletion of this account from my Experian credit file due to these reporting errors and inconsistencies.

Please complete your reinvestigation within 30 days as required by FCRA 1681i ( a ) ( 1 ) ( A ), and mail written confirmation of deletion to my address above.

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 2025-10-28 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: PA

Complaint narrative:
I am disputing multiple inaccurate and incomplete items in my TransUnion credit file. This is a formal demand for reinvestigation and correction under 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

1. Personal Information : Remove all names, addresses, and employers other than those listed above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a charge-off with residual balanceviolates the accuracy standard ; delete or correct to {$0.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as Paid Collection yet flagged derogatory ; delete or correct. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) : Unauthorized ; remove per 1681b ( a ).

5. Late Payment Codes : Please reinvestigate any inconsistent or aged late entries.

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 2025-10-28 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: TX

Complaint narrative:
The listing is erroneous and gives a misleading account of my financial reliability. Please review and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MA

Complaint narrative:
I am requesting a reinvestigation of inaccurate information appearing on my Equifax credit file. 
My report must be complete and accurate as required by the Fair Credit Reporting Act. 
Although your bureau currently shows fewer derogatory accounts than others, I am including these for review to ensure consistency and compliance across all bureaus. 
XXXX. XXXX XXXX XXXX Account ending in XXXX Please confirm whether this account is reported to Equifax. If so, its current Charge-off status and balance of {$6100.00} are inaccurate and inconsistent with records. 
Requested Action : Remove or update to Closed/ Paid as Agreed. 
XXXX. XXXX XXXX XXXX Account ending in XXXX If this tradeline is present, the charge-off status and inflated balance violate 1681e ( b ).

Requested Action : Delete as unverifiable. 
XXXX. XXXX XXXX Account ending in XXXX If listed, confirm that the dates and payment status match across all reporting agencies. 
Requested Action : Update or remove inconsistent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
Ive called several times to EQUIFAX. Back in XXXX my personal loans and auto loan were showing and I had a decent credit score. Now its showing I dont have any credit whatsoever. Equifax will not help me and they keep giving me the run around and telling me I need to call the places that I have loans with. I have and they state they have done the credit reporting that its something to do with equifax. Its just so odd how just 4 months ago I had almost a XXXX credit score and now there is nothing at all on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. My credit report contains numerous errors that I can no longer ignore, as they have been severely affecting my credit score and overall quality of life. These inaccuracies are preventing me from achieving financial stability and freedom, and it is unfair for me to suffer due to information that can not be verified as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-10-28 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: IL

Complaint narrative:
This is not my account and is inaccurately reflected in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year> PNC bank recieved a debit from my checking account that was a mistake of the merchant. I filed a dispute and contacted the merchant where they refunded the full amount of {$120.00} on XX/XX/year>. The initial charge placed my account in the negative. From XX/XX/year> until today PNC has charged my account {$36.00} per day. The. Refund posted XX/XX/year> as well as a direct deposit of {$410.00} on XX/XX/year>. Due to the fees being charged from the debit that was refunded on XX/XX/year> in excessive of {$280.00} my account continues to be overdrawn and charged daily in the amount of {$36.00}. Per the terms and conditions for PNC if a charge causes your account to be overdrawn but the charge is REFUNDED BY THE MERCHANT, the fees are refunded. PNC bank REFUSES to refund the fees charged to the account and continues to charge {$36.00} per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CT

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was having financial difficulties and then the company closed the account without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX! I have two hard injuries that I dont recognize! Please have these removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXXXXXX 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 2025-10-28 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: CA

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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, XXXX Bank in the XXXX initiated a wire transfer ( {$190000.00} ), on behalf of my solicitor XXXX XXXX, to my bank account at XXXXXXXX XXXX XXXX XXXX. Wells Fargo was the intermediary bank. The wire was successfully received. 
On XX/XX/year>, XXXX Bank in the XXXX initiated a second wire transfer ( {$170000.00} ), on behalf of my solicitor XXXX XXXX, to my bank account at XXXX XXXX XXXX XXXX Wells Fargo was the intermediary bank. The wire was returned to XXXX Bank in the XXXX stating, invalid account. 
On XX/XX/year>, XXXX Bank in the XXXX initiated a third wire transfer, ( a test wire of XXXX XXXX ), on behalf of my solicitor XXXX, to my bank account at XXXX XXXX XXXX XXXX Wells Fargo was the intermediary bank. The wire was returned to XXXX Bank in the XXXX stating, invalid account. 
The XXXX forms for each of the wires were exactly the same as the first successful wire on XX/XX/XXXX. See attachments. 
My questions are : Why was the XX/XX/XXXX wire successful, yet the XXXX XXXX wires were returned? 
I would like to know who is specifically at fault? 
Did something change in the wire process between XXXX and XXXX? 
Is there any information on the XXXX forms submitted by XXXX that is incorrect? If yes, what information is incorrect? 
My solicitor initiated the wires online with XXXX Bank. Did they input my account information incorrectly? If yes, specifically what is incorrect. 
I would like a full written report stating who was at fault XXXX XXXX XXXX Bank, Wells Fargo, XXXX XXXX  and what information was incorrect. 
When I find out who is at fault, I will be requesting a refund of the additional exchange rates I incurred due to multiple wires being returned to the 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 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
I am attempting to obtain a mortgage and Mohela is reporting my estimated future monthly payment due XX/XX/year> as my scheduled payment on my credit report on several loans. Which is not accurate if in the future I will apply for an income based repayment plan which will make my payment amount different. I am presently on an in school deferement which reflects {$0.00} due on my statements. They stated that the federal government told them they will need to report my future payment of {$3000.00} due on XX/XX/year> even if it is not valid. This has caused my debt to income ratio to be too high making me ineligle for a mortgage even with my credit score being high. This is deceptive practices. This is for my loans # XXXX and # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I never applied for a line of credit from COMENITYCAPITALXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 a vicitm of Identity theft, Somone has used my personal information to open these accounts with out my consent. I have never gave anyone permission or authorization to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am a vicitm of Identity theft, Somone has used my personal information to open these accounts with out my consent. I have never gave anyone permission or authorization to open these accounts without my consent

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