vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items appearing on my credit reports. These errors are seriously damaging my creditworthiness and must be investigated and corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

1. Wrong Addresses Reported : XXXX XXXX, XXXX, SC XXXX This is not, and has never been, my address. 

XXXX XXXX XXXX, XXXX, SC XXXX This is also not associated with me. 

These addresses are incorrect and should be deleted immediately. Their presence raises concerns about possible file mixing or identity errors. 

2. Inaccurate Late Payment Reporting : XXXX XXXX ( Account ending XXXX * XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} ) XXXX XXXX The account history is reported inaccurately. I have never made a late payment to this creditor, and this information must be corrected to reflect my perfect payment history. 

XXXX  XXXX XXXX XXXX ( Account ending XXXXXXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  This account is also being inaccurately reported as having late payments. This is false. I have never made any late payments to this account, and I demand that the reporting be corrected immediately.

These inaccurate reports are violations of FCRA 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure maximum possible accuracy. 

3. Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. They were made without my consent, and I demand their removal from all of my credit reports. Unauthorized inquiries are a direct violation of FCRA 604 ( a ) ( 2 ) and indicate possible misuse of my personal information.

Requested Actions : Remove all wrong addresses not associated with me.

Correct all inaccurate late payment notations to reflect a positive payment history.

Delete the unauthorized credit inquiries listed above.

Conduct a full investigation and provide written confirmation of the results.

I am attaching copies of my government-issued ID, proof of current address, and credit report excerpts highlighting the disputed items. I expect a prompt investigation in compliance with federal law. 

Thank you for your attention and prompt resolution of these serious errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account with XXXX XXXX XXXX was paid but it is still being reported inaccurately as open date and past due amount. I have notified experian to remove this inaccurate information, however they continue to have information come back as verified. The date is inaccurate as well as the amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any discrepancies in this reporting are both unfair 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to request a review of the following accounts that I have identified as inaccurate or incomplete in my credit report. I respectfully request that each of these items be reviewed and corrected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account No. XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No. XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Reported Date : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. XXXX XXXX, Account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} This account may contain inaccurate information. Please review and correct or remove it. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} This account is disputed due to reporting errors. Please verify or remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Please review this account as I believe it contains inaccuracies. Remove it if it can not be verified. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} I dispute this account due to potential errors in the reporting. Please verify or 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 2025-11-03 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: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the publication and maintenance of inaccurate, incomplete, and unverifiable information within my credit reports by TransUnion, Experian, and Equifax. 

During my recent review of my credit history, I identified several accounts and inquiries that show reporting errors, inconsistent dates, incorrect balances, and creditors that can not be verified according to federal legal standards. 

I am submitting this complaint directly through the CFPB so that the XXXX can notify the credit bureaus and initiate a formal investigation under FCRA 609, 611, and 623, requiring them to verify or delete all disputed information. 

As of today, I have not yet received any proof or documentation that supports the accuracy or legitimacy of the following items reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment Sales Contract ) Additionally, my reports show unauthorized credit inquiries from XXXX XXXX, XXXX, XXXX, and XXXX, which appear to violate FCRA 604 ( a ) due to the lack of a permissible purpose. 

These inaccuracies have directly harmed my credit score, my reputation, and my ability to access fair credit opportunities.

Violaciones legales identificadas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the publication and maintenance of inaccurate, incomplete, and unverifiable information within my credit reports by TransUnion, Experian, and Equifax. 

During my recent review of my credit history, I identified several accounts and inquiries that show reporting errors, inconsistent dates, incorrect balances, and creditors that can not be verified according to federal legal standards. 

I am submitting this complaint directly through the CFPB so that the XXXX can notify the credit bureaus and initiate a formal investigation under FCRA 609, 611, and 623, requiring them to verify or delete all disputed information. 

As of today, I have not yet received any proof or documentation that supports the accuracy or legitimacy of the following items reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment Sales Contract ) Additionally, my reports show unauthorized credit inquiries from XXXX XXXX, XXXX, XXXX, and XXXX, which appear to violate FCRA 604 ( a ) due to the lack of a permissible purpose. 

These inaccuracies have directly harmed my credit score, my reputation, and my ability to access fair credit opportunities.

Violaciones legales identificadas

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'I NEVER DID ANY DEAL OR BUSNIESS WITH THIS COMPANY AND IS HURTING ME MY CREDIT REPORT. ON THE REPORT APPEAR A NAME \nTHOSE COMPANY DONT BELONG TO ME OR I DONT RECOGNIZED \n\n1) XXXX XXXX XXXX   WITH AMOUNT COLLETION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX  USD$.       ACCOUNT  XXXX AND \nTLF:  XXXXXXXX XXXX XXXX XXXX XXXX  AMOUNT : XXXX  USD$  ACCOUNT: XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Lil' Wave Financial, Inc.
State: NJ

Complaint narrative:
I am writing to formally complain about Superior Loan Servicings ( SLS ) gross negligence, inaccurate payoff processing, and continued unlawful collection activity on the above-referenced loan, which was fully satisfied on XX/XX/year>, 22 days before the payoff expiration date of XX/XX/year>, and 19 days before the stated payoff date of XX/XX/year>. 

Summary of Facts Payoff Demand Issued XX/XX/year> Total Payoff Amount : {$360000.00} Good Through : XX/XX/year> Daily Per Diem : {$110.00} Trust Balance Credit : {$4400.00} ( clearly applied ) Attached : Payoff Demand ( Pages XXXX ) Full Payment Wired on XX/XX/year> Wire Amount : {$360000.00} ( exact payoff amount ) Sent via XXXXXXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attached : Wire Confirmation ( XXXX XXXX XXXX  ) SLSs Subsequent Actions ( Despite Full Payment ) XX/XX/year> : SLS emailed claiming the loan was 1 month behind and demanded XXXX payment + late charges. 

XX/XX/year> : SLS claimed a shortage and stated a new demand would be sent. 

XX/XX/year> : SLS admitted the error was due to trust balance not reflecting correctly on the payoff demand but claimed they do not have authority to waive fees. 

As of XX/XX/year> : SLS now claims an unpaid balance of {$6300.00} entirely fabricated due to their own error. 

Violations and Damages SLSs conduct constitutes : Breach of Contract : The payoff demand was clear, payment was made in full and on time, yet SLS failed to release the lien and continued billing.

Violation of RESPA ( 12 CFR 1024.35 ) : Failure to correct known errors in payoff accounting within 30 days.

Violation of FDCPA ( 15 U.S.C. 1692e, 1692f ) : False representation of debt amount and continued collection of a non-existent debt. 

Negligence/ Malpractice in Loan Servicing : Admitted error in trust balance application, yet refusal to correct. 

Credit Reporting Harm : Ongoing collection threats risk inaccurate negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because Experian have failed to properly investigate and correct multiple errors on my credit report despite my formal dispute ( s ) submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I provided detailed documentation showing that the disputed information is inaccurate and incomplete, including evidence that : The account ( s ) are being reported with incorrect or missing dates ( e.g., Date of First Delinquency, Date Closed ).

The account ( s ) are inaccurately labeled ( e.g., showing as open when closed, or showing charged off when paid ).

The credit bureaus failed to include key supporting details or proof from the furnisher, and did not provide a clear description of how the investigation was conducted.

Despite my timely and complete dispute ( s ), the credit bureau ( s ) : Verified the accounts without conducting a reasonable investigation, contrary to FCRA 611 ( a ). 

Failed to correct or delete information they could not verify. 

Continued to report inaccurate and misleading information, harming my creditworthiness and causing significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute multiple items on my credit report. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 


Inquiries : XXXX XXXX - Date : XX/XX/year> Late Payments : XXXX XXXX XXXX  - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  - Account ending in XXXX XXXX  - Account ending in 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am filing this complaint to dispute several items that have been inaccurately reported on my credit report. Below, I have provided details of the accounts in dispute, separated by the relevant credit bureaus. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$8300.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : 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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Portfolio Recovery Associates. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Portfolio Recovery Associates is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief