vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting multiple violations by Experian under the Fair Credit Reporting Act ( FCRA ) : Unverified XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$650.00} I disputed both accounts. Experian failed to provide verification, proof of investigation, or contact info of the furnishers. These are medical debts, and under CFPB guidelines and FCRA 1681i ( a ), they should be deleted if unverifiable. 

Unknown Collection Account XXXX. XXXX / XXXX XXXX {$310.00} I have no knowledge of this account and requested verification. Experian marked it verified without showing how or who verified it. This violates FCRA 1681g ( a ) and 1681e ( b ). 

False Personal Information XXXX XXXX Listed as AKA This is not my name its my XXXX XXXX name ( misspelled ). I never used it. Experian refused to remove it and added it as Also Known As. This is inaccurate and misleading, violating FCRA 1681e ( b ). 

I have requested full removal of all inaccurate and unverifiable data and asked for the method of verification. Experian has failed to comply. I am now filing this CFPB complaint along with preparing legal action under FCRA 1681n and 1681o. 

What Im Requesting : Full deletion of the accounts and false name Written verification details Confirmation of FCRA compliance

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 2025-07-01 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:
Upon checking my credit report, i noticed some unauthorized accounts. I have been directly affected by the Equifax Data breach. I would like to have these accounts removed and blocked according to FCRA 605B before further consulting with my attorney

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I am submitting this complaint because [ Credit Bureau Name ( s ) ] is reporting a bankruptcy on my credit report that is inaccurate and can not be verified. 

The bankruptcy allegedly appears on my credit file with these details : Bankruptcy Case Number : XXXX Court : United States Bankruptcy Court Maryland Reported Filing Date : XX/XX/year>XXXX  I contacted the court listed in the credit report. They confirmed in writing that they do not report bankruptcy records to any credit bureaus. 

I formally disputed this entry with the credit bureau ( s ) and requested documentation proving the accuracy and source of this reporting. They have not provided any evidence or documentation to verify this bankruptcy as required by the Fair Credit Reporting Act ( FCRA ).

This reporting is causing damage to my credit and is in violation of FCRA Section 607 ( b ) ( requirement to maintain accurate records ) and Section 611 ( requirement to reinvestigate disputed information ).

What would you like the company to do to resolve your issue? 

I am requesting the following actions : Immediately delete the unverifiable bankruptcy from my credit report Provide written confirmation that the bankruptcy has been removed Stop any further reporting of this inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to formally dispute the collection account currently listed on my credit report. This account is unfamiliar to me and appears to have been reported without my knowledge or 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
XX/XX/year> made a payment of {$1600.00} which was the balance due from my bank Checking account. On XX/XX/year> I again paid {$1600.00} from my checking account by mistake. The app accepted the payment. On the XXXX of XXXX, 2025 I noticed the double payment and called Bank of America to see if the second payment could be stopped since the app indicated that the payments were " pending ''. They said that they could not stop payment and what I could do was request for a Refund which I did. I have been waiting for the refund and now notice on my credit card account that the balance instead of being $ XXXX is now {$0.00}. I called and they can not tell me where my money is and I have not received.

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 2025-07-01 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 am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Earlier today, when I reviewed my credit report as part of my usual routine, I unexpectedly found discrepancies. I attempted to refresh my browser thinking it might be a technical glitch, but the incorrect accounts remained. Given this situation, Im requesting a careful review of the documents I provided so I wont have to deal with this concern again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
After multiple attempts to get my personal records I received them 4 months later. There is an error in the data. I mailed the corrections to the address that they provided on page 2. Sent XXXX, returned undelivered and unable to forward on XXXX. 
LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
b'I called Equifax last thursday and could not get a human. today i spoke to two people, XXXX  and XXXX. They have all the prior information and the file is not updated. My confirmation # XXXX XXXX XXXX for the service request. She sent out a report that will supposedly reach me by XXXX  days but it will have the wrong information on 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 explanation
Consumer complaint received 2025-07-01 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:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt.

Defamation & Emotional Distress Damaging my financial reputation.

Negligence Failure to verify the legitimacy of the debt before reporting.

I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted. 



Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) 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 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-01 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: MD

Complaint narrative:
As a previous XXXX  employee, I was laid off from my last job and will have employment at my new job within the next week. Because my income has dropped considerably I can no longer afford the terms of the original loan. As a loyal customer of your financial institution, Id like to ask for the following : A lower interest rate amount of NO MORE THAN 6 % Accept lower payments of {$100.00} per month, beginning XX/XX/XXXX. 
No late fees accessed during this period. 
Accept this offer for no more than 12 months from this month. 
Remove all negatives from credit reporting, as I was unemployed on and off since XXXX, which is the year that I was also laid off from my highest-paying employer. 

I am sure this is only a temporary condition and very soon I will be able to make my payments in larger amounts again, because I have a more secure and stable line of work/employment which begins next week. If you have any questions, please feel free to contact me at XXXX. I ask that you consider this request as a matter of urgency. Thank you for your consideration and Id really appreciate any help you can offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
As a previous XXXX  employee, I was laid off from my last job and will have employment at my new job within the next week. Because my income has dropped considerably I can no longer afford the terms of the original loan. As a loyal customer of your financial institution, Id like to ask for the following : A lower interest rate amount of NO MORE THAN 6 % Accept lower payments of {$100.00} per month, beginning XX/XX/XXXX. 
No late fees accessed during this period. 
Accept this offer for no more than 12 months from this month. 
Remove all negatives from credit reporting, as I was unemployed on and off since XXXX, which is the year that I was also laid off from my highest-paying employer. 

I am sure this is only a temporary condition and very soon I will be able to make my payments in larger amounts again, because I have a more secure and stable line of work/employment which begins next week. If you have any questions, please feel free to contact me at XXXX. I ask that you consider this request as a matter of urgency. Thank you for your consideration and Id really appreciate any help you can offer me.

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 2025-07-01 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: PA

Complaint narrative:
Experian is reporting inaccurate information on my credit report. They are FAILING TO CONDUCT any actual and REAL investigation. They are violating my rights by reporting inaccurate information. These accounts are not mine whatsoever and MUST BE DELETED IMMEDIATELY. Please hold Experian liable for violating my rights. These accounts are not even listed on other credit agencies. They are simply using their automated system to investigate then giving me a message saying XXXX ( account ) has not been changed and will remain on your credit report THEY ARE FAILING TO DO A FULL INVESTIGATION let alone providing any verification documentation nor any proof of any of the following accounts belong to me. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
This is a formal request to investigate a hard inquiry that appears on my credit report. I do not recognize this inquiry and am certain I did not authorize 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking my credit report, i noticed some unauthorized accounts. I have been directly affected by the Equifax Data breach. I would like to have these accounts removed and blocked according to FCRA 605B before further consulting with my attorney

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 2025-07-01 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: WA

Complaint narrative:
I mailed Equifax a detailed dispute letter on XXXX identifying six inaccurate or unverifiable accounts ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Under FCRA 611 ( a ) ( 1 ) ( A ) the bureau had 30 days to conduct a reasonable reinvestigation and either verify the data with documentation or delete it per 611 ( a ) ( 5 ) ( A ). Instead, Equifax marked one dispute frivolous, provided no supporting records for the others, and continues to report late-payment histories and a false charge-off that are harming my credit access. I am requesting that Equifax ( 1 ) supply all documents used to verify each item or ( 2 ) immediately delete/correct any item that can not be fully validated, and ( 3 ) send written confirmation to me and updated results to all past report recipients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation