vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: IL

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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by XXXX Bank Account : XXXX Account ( last four digits : [ insert last 4 of your XXXX card ] ) To Whom It May Concern, I am filing this formal complaint against XXXXXXXX XXXX for inaccurate reporting on my credit file. My XXXX account is being reported in a manner that misrepresents my payment history. I have never missed or made a late payment on this account since its opening. 

Despite maintaining a perfect payment record, the account appears to be reported with inaccurate information that may be negatively affecting my credit profile. I request that this account be reviewed and corrected to accurately reflect an on-time payment history with no delinquencies. 

Please contact XXXX XXXX  and confirm that the account is in good standing, with no missed or late payments, and ensure this correction is communicated to all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

I have attached supporting documents, including my payment records and account statements, which confirm my timely payment history. 

I request a written response confirming that the error has been investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

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 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NJ

Complaint narrative:
Between XXXX XXXX XXXX XXXX, I made several scheduled payments toward my federal student loan through CRIs online payment system using my XXXX XXXXXXXX XXXX checking account. These payments generated confirmation numbers, which led me to believe they had been processed successfully. 
However, I later learned in XXXX XXXX that none of these payments were received by CRI. I have since discovered that this occurred because CRIs system requires the wire routing number for XXXX XXXX XXXX instead of the standard electronic routing number, which had always worked successfully under my previous servicer, XXXX. 
At no point before XXXX XXXX  did CRI notify me that my routing number was invalid or that payments were being returned. When I contacted CRI in XXXX XXXX about a payment issue, I was only told to confirm my account number and resubmit the paymentno mention was made of the routing number discrepancy. 
In XXXX XXXX, CRI confirmed in writing that multiple payments between XXXX XXXX XXXX XXXX were attempted and that the return reason codes were Unable to Locate Account and Returned. Despite this, they continue to report my account as 90 days past due as of XXXX XXXX  resulting in a credit score drop of over XXXX points. 
I acted in good faith, made consistent payment attempts, and corrected the issue immediately once it was disclosed. The reported delinquencies are therefore inaccurate and misrepresent my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: OK

Complaint narrative:
After contacting TransUnion, Experian, Equifax and disputing XXXX collections on my credit report that are incorrect. I received a response stating the information was verified. They did not provide any information on how these collections were verified or the investigation. I am now going to send a letter requesting this verification of investigation.

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 2025-10-21 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: OK

Complaint narrative:
After contacting TransUnion, Experian, Equifax and disputing XXXX collections on my credit report that are incorrect. I received a response stating the information was verified. They did not provide any information on how these collections were verified or the investigation. I am now going to send a letter requesting this verification of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts they are reporting in accurately and without my knowledge. I have been notified of several data breaches which my information was used and I have provided that information and Experian Equifax and Trans Union has yet to remove these accounts 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts they are reporting in accurately and without my knowledge. I have been notified of several data breaches which my information was used and I have provided that information and Experian Equifax and Trans Union has yet to remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-21 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: United Revenue Corporation
State: TX

Complaint narrative:
Due to the presence of the inaccuracy from the XXXX XXXXXXXX XXXX, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the account was not agreed upon. I further assert United Revenue has failed to provide a meaningful resolution in accordance with my rights. 

Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and applicable Texas law, I demand that you provide the following documentation BEFORE any collection activities continue or any credit reporting occurs : A. Required Documentation : 1. Original Purchase Agreement : A complete, original ( or certified copy ) purchase agreement bearing my signature that evidences the existence and terms of the alleged debt 2. Notice of Sale/Assignment : Documentation confirming the transfer or assignment of this alleged debt from the original creditor to your agency, establishing complete and unbroken chain of title 3. Account Statements : Complete payment history and account statements from the original creditor showing how the alleged balance was calculated 4. Legal Authority : Proof of your legal standing and permissible purpose to collect this debt and report it to credit agencies under 15 U.S.C. 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
My account was closed without any reason.We sent them an email, but received no reply!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
The listing is not reflective of my payment behavior and appears incorrect. Kindly review it carefully and remove it.

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 2025-10-21 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: GA

Complaint narrative:
I am formally disputing 11 unauthorized inquiries on my credit report, all of which I did not authorize and which appear to be the result of identity theft. Despite providing documentation proving that I did not initiate these inquiries, Equifax has failed to remove them from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to have inaccurate, unauthorized, or fraudulent information investigated and removed. The continued presence of these 11 unauthorized inquiries constitutes a clear violation of federal law and is causing demonstrable harm to my creditworthiness.

I hereby demand that Equifax immediately remove all 11 unauthorized inquiries from my credit report. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3000.00} XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please help me with this because I have tried so many times already to delete this and resolve this with the credit bureaus and i need help. 

XXXX XXXX XXXX XXXX XXXX this is for an unknown creditor and I don't understand how this is reporting without having. full and complete information. this is a huge violation of my rights as a consumer and i need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX Portfolio Recovery used prohibited equipment to contact me on my cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-10-21 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:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under FCRA 605B ( 15 U.S.C. 1681c-2 ) DPT EDXXXX XXXX {$5700.00} DPT EDXXXX XXXX {$2400.00} DPT EDXXXX XXXX {$4200.00} XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX {$540.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ccount without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email from Wells Fargo regarding a credit card account. I have not lived in the United States for nearly XXXX XXXX and have not used this credit card during that time. There were one or two fraudulent charges on the account, which I flagged as fraud. 

On XXXX XX/XX/2025, I managed to speak with a Wells Fargo representative by calling through a relative in the U.S. ( as I can not make XXXX XXXX  ). During that call, Wells Fargo confirmed that the activity was fraudulent and agreed to close the credit card account. 

Despite this, I have now received another email from Wells Fargo stating that my credit card balance is over {$600.00}. This clearly suggests continued fraudulent activity on an account that was meant to be closed. I am extremely concerned this will negatively affect my U.S. credit record. 

I would like Wells Fargo to immediately confirm that : The account has been permanently closed. 

The fraudulent balance has been removed. 

My U.S. credit file will not be impacted. 

I have been unable to contact the bank by email or international phone and am requesting written confirmation of resolution.

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 monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Equifax on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX. 
On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

Company response to consumer: Closed with explanation