vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting to formally dispute inaccurate personal and account information appearing on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PR XXXXThese addresses are incorrect and must be removed. Under the Fair Credit Reporting Act, I have the right to dispute any information I believe to be inaccurate. Section 609 ( a ) ( 1 ) ensures I may review and challenge incorrect identifiers, while Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete unverifiable or inaccurate information within 30 days. Additionally, Section 607 ( b ) mandates that you maintain the maximum possible accuracy when reporting consumer information. I am also disputing the reporting of two charge-off accounts that appear on my credit report. The first is with XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX : {$0.00}. These accounts are either inaccurate, unverifiable, or misrepresented. According to FCRA Section 611, you are required to reinvestigate and remove any information that can not be confirmed as accurate. Additionally, Section 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from continuing to report information they know to be incorrect.

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 2025-10-01 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:
I am submitting to formally dispute inaccurate personal and account information appearing on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PR XXXXThese addresses are incorrect and must be removed. Under the Fair Credit Reporting Act, I have the right to dispute any information I believe to be inaccurate. Section 609 ( a ) ( 1 ) ensures I may review and challenge incorrect identifiers, while Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete unverifiable or inaccurate information within 30 days. Additionally, Section 607 ( b ) mandates that you maintain the maximum possible accuracy when reporting consumer information. I am also disputing the reporting of two charge-off accounts that appear on my credit report. The first is with XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX : {$0.00}. These accounts are either inaccurate, unverifiable, or misrepresented. According to FCRA Section 611, you are required to reinvestigate and remove any information that can not be confirmed as accurate. Additionally, Section 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from continuing to report information they know to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to submit a formal dispute regarding several inaccurately reported items on my credit report. These items include a closed account, multiple charge-offs, a bankruptcy-associated account, and a public record entry. The reporting of these accounts appears to contain inconsistencies, incomplete data, or unverifiable status designations that may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item of information that I believe is inaccurate or incomplete, and request that a reasonable reinvestigation be conducted. In addition, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to ensure maximum possible accuracy of the data they report. FCRA 623 ( a ) ( 1 ) ( A ) further prohibits furnishers from reporting data that they know or have reason to believe is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: NV

Complaint narrative:
I am writing to submit a formal dispute regarding several inaccurately reported items on my credit report. These items include a closed account, multiple charge-offs, a bankruptcy-associated account, and a public record entry. The reporting of these accounts appears to contain inconsistencies, incomplete data, or unverifiable status designations that may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item of information that I believe is inaccurate or incomplete, and request that a reasonable reinvestigation be conducted. In addition, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to ensure maximum possible accuracy of the data they report. FCRA 623 ( a ) ( 1 ) ( A ) further prohibits furnishers from reporting data that they know or have reason to believe is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding multiple charge-off accounts that continue to appear on my credit report despite previous disputes. One account, XXXX  XXXX with a reported balance of {$170.00} * *, is being listed as a charge-off, yet the information is incomplete, inaccurate, and unverifiable. This constitutes a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B 15 U.S.C. 1681c-2, which require that all items on a consumer report be fully investigated and supported by accurate documentation. 
Additionally, I have identified charge-offs for debts exceeding {$600.00} for which no 1099-C cancellation of debt forms were issued. Reporting these accounts without the necessary documentation is misleading and fails to meet the accuracy requirements mandated under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). The accounts in question include XXXX  XXXX XXXX with a balance of {$2500.00} * * and XXXX  XXXX with a balance of {$3500.00} * *.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX charged me over {$4000.00} in bets when I wasnt even in Ohio that week so I obviously got hacked but my bank and XXXX were already linked. I filed a claim with Bank of America and lost. I wasnt in OHIO!! XXXX down the drain when it wasnt 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 2025-10-01 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian, XXXX XXXX XXXX XXXX XXXXXXXX XXXXI am writing to formally dispute the accuracy and completeness of the information appearing on my credit report furnished by you, specifically regarding the account associated with XXXX XXXX XXXX (Original Creditor: XXXX XXXX), Account #[XXXXXXXX]. I have reviewed my credit report and identified the following inaccuracies, which I request you investigate and correct or delete in accordance with the Fair Credit Reporting Act (FCRA).\nSpecific Inaccuracies and Reasons for Dispute:\nInconsistent "Last Verified" Dates: My report shows a "Last Verified" date of Blank for this account. This date is inconsistent with other records and requires verification for accuracy, as it impacts the reporting period of this item.\nUnclear "Date of Last Activity": The "Date of Last Activity" is reported as XXXX. This information is crucial for determining the age of the debt and needs to be accurately reflected and verified.\nMissing "Last Payment" and "Payment Amount" Details: My report states "NONE REPORTED" or has blank fields for "Last Payment" and "Payment Amount." If payments were made or if this information exists, it must be accurately included for a complete and fair representation of the account.\nDiscrepancy in "Payment Status": While the "Account Status" is "Closed," the "Payment Status" is listed as "Collection/Chargeoff." I request a thorough investigation into the precise nature and status of this account to ensure the correct and verifiable information is reported.\nRequest for Investigation and Deletion:\nI request that you conduct a diligent and reasonable reinvestigation of these disputed items as mandated by the FCRA. If, after your investigation, you are unable to verify the accuracy and completeness of this information, I demand its immediate deletion from my credit file.\nPlease provide me with a written report of your investigation results and a free updated copy of my credit report if any changes are made as a result of this dispute.\nThank you for your prompt attention to this matter.\nSincerely,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 2025-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies appearing on my credit report from Experian/TransUnion/Equifax . These errors include incorrect addresses, late closed accounts, and charge-offs, which are adversely affecting my creditworthiness.The following addresses are being reported in my credit file but do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reporting addresses that are not associated with me violates FCRA 609 ( a ) ( 1 ), which guarantees the right to obtain accurate personal information on my credit report.The following accounts are being reported as late or delinquent even though my records show they were handled responsibly : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : -- XXXX XXXX XXXX * * Balance Owed : - FCRA 623 ( a ) ( 5 ) obligates furnishers to report accurate dates of last activity and true payment history, and FCRA 1681i ( a ) requires credit reporting agencies to conduct reasonable reinvestigations when disputed information is reported. I request these accounts be corrected to reflect their true status or removed if verification can not be provided.The following charge-offs are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} These entries may be inaccurate, incomplete, or misleading, and continuing to report them violates FCRA 605 ( a ), which prohibits inclusion of obsolete or misleading negative information, and FCRA 607 ( b ), which requires agencies to maintain maximum possible 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 explanation
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding multiple inaccurate and unverifiable accounts on my credit report. On XX/XX/year>, I sent a Round XXXX dispute because Experians initial response failed to meet the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Experian continues to report derogatory accounts from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy record without providing original-source documentation or lawful verification. Instead of conducting an independent and reasonable reinvestigation as required by law ( 15 U.S.C. 1681i ( a ) and XXXX v. TransUnion, XXXX XXXX XXXX ), Experian relied on automated systems like e-OSCAR and unverifiable third-party databases such as XXXX. 

Experian failed to provide the Method of Reinvestigation required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The names, addresses, and phone numbers of furnishers contacted The dates, times, and personnel involved in the reinvestigation Copies of the ACDV forms and responses Original-source documentation such as signed contracts, court judgments, or full account histories Instead, Experian simply marked these items as verified, which does not meet the statutory requirement for accuracy ( 15 U.S.C. 1681e ( b ) ). 

Experian is also reporting outdated addresses, alternate names, and unverifiable employment data, which violates my right to privacy under 15 U.S.C. 1681a ( 4 ).

The continued reporting of unverifiable informationafter being formally disputedconstitutes willful and negligent noncompliance under 15 U.S.C. 1681n & 1681o.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account being reported inaccurately and the account is also being reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
I am writing to submit a formal dispute regarding several inaccurately reported items on my credit report. These items include a closed account, multiple charge-offs, a bankruptcy-associated account, and a public record entry. The reporting of these accounts appears to contain inconsistencies, incomplete data, or unverifiable status designations that may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item of information that I believe is inaccurate or incomplete, and request that a reasonable reinvestigation be conducted. In addition, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to ensure maximum possible accuracy of the data they report. FCRA 623 ( a ) ( 1 ) ( A ) further prohibits furnishers from reporting data that they know or have reason to believe is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland is collecting and reporting a XXXX XXXX. account ( Acct XXXX ) for {$280.00}, but has not provided proper validation. My reports show two Midland entries for the same obligation ( XXXX  shows MIDLANDCRE ; XXXX show MIDLAND CRED ) with mixed statuses ( open vs closed ). I asked Midland to validate, including the itemized calculation of {$280.00} and proof they own/are authorized to collect, but they have not provided sufficient documentation. Im disputing the debt and the accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts and inquiries have been placed on my credit reports without my authorization. Specifically, accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as inquiries from auto financing and personal loan companies, do not belong to me. 

I submitted disputes to the credit bureaus and provided my FTC Identity Theft Report ( XXXX XXXX ), government ID, and proof of address. Under FCRA 605B, the credit bureaus are required to block and remove these fraudulent items within XXXX business days. Instead, they have left the accounts and continue to report them as valid, causing ongoing harm. 

I requested verification of the debts and inquiries, and for the fraudulent items to be blocked. The companies failed to provide proper verification and have not deleted the fraudulent information. I am requesting that the CFPB ensure these items are permanently removed from my credit reports and that all collection activity related to them cease.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 account 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 of convictions of crimes which antedates the report by more than seven 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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 account 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 of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Account being reported inaccurately and the account is also being reported twice.

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