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

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report and unfair reporting practices by various creditors. These errors have caused significant harm to my creditworthiness and financial well-being. 

Disputed Accounts and Issues : Addresses reported incorrectly : 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 XXXXXXXX These addresses are either incorrect or inaccurately attributed to my credit profile. 

Accounts reporting late payments, collections, or charge-offs inaccurately : XXXX XXXX XXXXXXXX Late Payment Online Information Services ( Original Creditor : XXXX XXXX XXXX ) XXXX {$470.00} 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 Charge Off Unauthorized or incorrect inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries are either inaccurately reported or reflect transactions/inquiries I did not authorize, in violation of the Fair Credit Reporting Act ( FCRA ).

Action Requested : I respectfully request that the CFPB intervene to ensure the following : All inaccurate addresses on my credit profile are corrected. 

All incorrectly reported late payments, charge-offs, and collections are investigated and removed if found erroneous. 

Any unauthorized inquiries are investigated and removed from my credit report. 

I am provided with written confirmation that these corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. Supporting documents are enclosed to substantiate my claim.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX  XXXX XXXX Next, list the names of the accounts you're disputing ( just the names. 

XXXX XXXX XXXX Then, copy and paste the text above in the next text section. 

Lastly, upload a copy of your letter for each bureau.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint because multiple inaccurate, outdated, and unverifiable negative items continue to appear on my credit reports with XXXX, XXXX, and XXXX. These include, but are not limited to, collection accounts, charge-offs, late payments, duplicate accounts, and inquiries that were not authorized by me. 

Despite submitting formal disputes to each credit bureau, these items remain without proper verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) including Sections 602 ( a ), 607 ( b ), 609 ( a ), and 611. These sections require credit bureaus and furnishers to maintain accuracy, perform reasonable investigations, and delete or correct information that can not be fully verified. 

Specific concerns include : Collections and charge-offs that are beyond the XXXX-year reporting period or can not be verified. 

Duplicate and inconsistent listings of the same accounts with different account numbers or dates. 

Accounts showing false late payments and inaccurate payment histories. 

Unauthorized hard inquiries that were never initiated or approved by me. 
Federal student loan debt that was fully discharged under the Total and Permanent Disability ( TPD ) program as I am a XXXX XXXX XXXX XXXXXXXX XXXX. These should no longer appear on any credit report. 

The continued reporting of these items is causing ongoing harm to my creditworthiness, violating my rights under the FCRA, and showing a failure of the furnishers and bureaus to comply with federal law. 

I request that the CFPB ensure each credit reporting agency and furnisher : Conducts a full and lawful reinvestigation of all disputed accounts and inquiries. 

Deletes or corrects all inaccurate, unverifiable, outdated, or duplicate information. 

Updates my reports to accurately reflect that my federal student loans are discharged and no longer in repayment. 

Provides written confirmation of these updates. 

These violations have caused financial and emotional hardship. I am requesting immediate corrective action, compliance with all provisions of the FCRA, and full accountability from the credit reporting agencies and the furnishers involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
previously filed an initial investigation and then a reinvestigation with Experian regarding the account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  Despite these multiple disputes, Experian failed to conduct a reasonable reinvestigation and did not verify the accuracy of the information as required by law. 

The reported data continues to show serious inconsistencies, including : Different balances reported across credit bureaus. 
Contradictory dates of last activity and payment history. 
Conflicting account statuses, such as Paid through insurance and Charge-Off/Collection simultaneously. 

Because Experian has failed to correct or verify these inaccuracies after multiple disputes, this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Experian is required to conduct a reasonable reinvestigation of any disputed item within 30 days and delete or correct any information that can not be verified.

15 U.S.C. 1681e ( b ) Experian must follow procedures to ensure the maximum possible accuracy of the information in my credit report. Reporting contradictory and unverified data violates this duty.

15 U.S.C. 1681s-2 ( b ) The furnisher ( XXXX XXXX XXXX XXXX ) must conduct its own investigation and correct or delete any information that can not be verified as accurate.

15 U.S.C. 1681c ( a ) ( 5 ) Inaccurate or conflicting date of first delinquency or last activity manipulates the reporting period limitation, which is illegal and misleads consumers.

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 2025-10-10 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: NY

Complaint narrative:
This account has been reported in error and is not mine.

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 2025-10-10 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: MD

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report related to closed accounts. 
These accounts are currently reporting as XXXX on XXXX  and XXXX XXXX on TransUnion. However, they have been closed with a {$0.00} balance. 
I previously disputed these directly with the credit bureaus, but the inaccurate statuses remain. 
I am providing supporting documentation to show that these accounts are closed and no longer past due. 
I am requesting that both XXXX  and TransUnion correct the status to accurately reflect Closed Paid as Agreed or Closed Paid/Settled, and remove any Charge-Off or Bad Debt notation that misrepresents the accounts current standing. 
These inaccurate notations are continuing to negatively impact my creditworthiness despite the accounts being resolved. 


The negative accounts are : 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-10 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: NY

Complaint narrative:
This account has been reported in error and is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested the immediate and permanent deletion of the XXXX XXXX account ( Account No. XXXX ), including the false repossession, any associated late payments, and all unauthorized hard inquiries from my credit report. The unauthorized hard inquiries include : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX This request is made under 15 U.S.C. 1681c-2, which requires that information resulting from identity theft be blocked and deleted within XXXX ( XXXX ) business days of receiving a valid identity theft report and supporting documentation. I have provided a valid FTC Identity Theft Report, government-issued ID, proof of Social Security number, and proof of current address.

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 2025-10-10 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 requested the immediate and permanent deletion of the XXXX XXXX account ( Account No. XXXX ), including the false repossession, any associated late payments, and all unauthorized hard inquiries from my credit report. The unauthorized hard inquiries include : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX This request is made under 15 U.S.C. 1681c-2, which requires that information resulting from identity theft be blocked and deleted within XXXX ( XXXX ) business days of receiving a valid identity theft report and supporting documentation. I have provided a valid FTC Identity Theft Report, government-issued ID, proof of Social Security number, and proof of current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CHERRY TECHNOLOGIES INCs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CHERRY TECHNOLOGIES INC has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

CHERRY TECHNOLOGIES IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account XXXXXXXX XXXX XXXX XXXX XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX and XX/XX/XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both improper and unlawful.

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 2025-10-10 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: PA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and harmful items being reported on my credit file by various furnishers and credit reporting agencies. These errors are causing serious damage to my credit profile, and they must be immediately investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

The following inaccurate and/or unverifiable items are appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address. I have never lived at or been associated with this address. Its inclusion is a serious violation of accurate reporting standards. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as XXXX XXXX XXXX XXXX This account shows a {$0.00} balance yet is still being reported with a late payment, which is contradictory and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple student loan tradelines reported with late payments. XXXX XXXX These accounts are inaccurately reflecting late payments without proper verification. Federal loan servicers are required to ensure strict accuracy under the FCRA. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} Reported XXXX XXXXXXXX XXXX XXXX This account is being inaccurately reported with delinquencies that I dispute. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$81.00} XXXX XXXX XXXX I have never received proper notice of this alleged debt from either XXXX or XXXX. No validation of debt has been provided, making this reporting a violation of the FDCPA and FCRA. 

My Demands : I request that the CFPB conduct a thorough investigation into these inaccurate credit reporting practices. 

I demand removal or full correction of all unverifiable and inaccurate information listed above. 

I request validation from each furnisher showing lawful reporting, payment history proof, and complete account documentation. 

I demand confirmation in writing that these items have been deleted or corrected. 

These inaccuracies are severely damaging my creditworthiness and are in direct violation of my rights under federal law. I expect immediate corrective action.

Company response to consumer: Closed with non-monetary relief