vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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:
I am submitting this complaint regarding several accounts and an inquiry reported inaccurately on my credit file. These entries are causing undue harm to my creditworthiness and do not accurately reflect my financial obligations.Disputed Accounts : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$0.00} * * Issue : This account is listed as charged-off despite having a {$0.00} balance. Reporting a charge-off on a XXXX balance account is misleading and inaccurate.XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$880.00} * * Issue : The reported balance and charge-off status are not properly verified and may not reflect the true account status. 
XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} * * Issue : The charge-off reporting and balance are inconsistent with my records and require proper verification. 
Inquiry in Dispute : XXXX  XXXX XX/XX/year> Issue : This inquiry was either unauthorized or lacks permissible purpose documentation and should be validated or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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 submitting this complaint regarding several accounts and an inquiry reported inaccurately on my credit file. These entries are causing undue harm to my creditworthiness and do not accurately reflect my financial obligations.Disputed Accounts : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$0.00} * * Issue : This account is listed as charged-off despite having a {$0.00} balance. Reporting a charge-off on a XXXX balance account is misleading and inaccurate.XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$880.00} * * Issue : The reported balance and charge-off status are not properly verified and may not reflect the true account status. 
XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} * * Issue : The charge-off reporting and balance are inconsistent with my records and require proper verification. 
Inquiry in Dispute : XXXX  XXXX XX/XX/year> Issue : This inquiry was either unauthorized or lacks permissible purpose documentation and should be validated or removed.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I asked for a full investigation on a collection on my credit that I was unaware of until it was on my credit I've tried disputing it a couple times and they just reject my dispute and say verified but my insurance XXXX paid this balance because I had insurance and this collection company XXXX XXXX  isn't understanding that I had insurance they just want there money for buying a debt that I'm not responsible for honestly never new of this bill until it affected my score I would like a full investigation done please

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 2025-09-12 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: IL

Complaint narrative:
I am filing this complaint to dispute multiple charge-off accounts and inquiries being reported on my credit file that are inaccurate, unverifiable, or duplicative. These errors are causing significant harm to my credit standing and do not reflect my true financial situation. 
Disputed Accounts and Issues : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$3300.00}. This reporting is not properly substantiated and may be inaccurate. 
XXXX XXXXXXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$1600.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$2600.00}. The account appears to remain derogatory despite inconsistencies. XXXX XXXX XXXX XXXX XXXX XXXX  AcctXXXX XXXX XXXX  ) Another charge-off listed with a balance of {$2300.00}, creating a possible duplicate entry. XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$4800.00} without clear verification. 
XXXX ( Acct. XXXXXXXX XXXX XXXX  Charge-off showing a balance of {$6700.00}. 
XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported with a balance of {$1900.00} ; requires verification due to inconsistencies. 
XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported with a balance of {$900.00}, but lacking proper substantiation. 
Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or adequate permissible purpose documentation.

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 2025-09-12 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-12 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I am submitting this complaint regarding several accounts and an inquiry reported inaccurately on my credit file. These entries are causing undue harm to my creditworthiness and do not accurately reflect my financial obligations.Disputed Accounts : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$0.00} * * Issue : This account is listed as charged-off despite having a {$0.00} balance. Reporting a charge-off on a XXXX balance account is misleading and inaccurate.XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$880.00} * * Issue : The reported balance and charge-off status are not properly verified and may not reflect the true account status. 
XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} * * Issue : The charge-off reporting and balance are inconsistent with my records and require proper verification. 
Inquiry in Dispute : XXXX  XXXX XX/XX/year> Issue : This inquiry was either unauthorized or lacks permissible purpose documentation and should be validated or removed.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: VA

Complaint narrative:
In XX/XX/XXXX, I disputed a {$250.00} XXXX XXXX collection account with XXXX XXXX and requested full validation. XXXX confirmed to the CFPB on XX/XX/XXXX ( XXXX XXXX. XXXX ) that they ceased collection activity permanently after failing to provide adequate validation. They claim to have mailed validation on XX/XX/XXXX, but I never received it. 

Despite XXXX confirmation that collection had ceased, on XX/XX/XXXX, L J Ross Associates began reporting the same {$250.00} XXXX XXXX debt on my credit report without ever contacting me or sending a validation notice. I have not received any communication or documentation from L J Ross regarding this debt. 

This sequence appears to violate the Fair Debt Collection Practices Act ( 809 ( a ) and 809 ( b ) ) for failing to provide timely validation and for continuing collection without verification. It also appears to violate the Fair Credit Reporting Act ( 611 and 623 ( a ) ( 3 ) ) for furnishing unverified information to credit bureaus and failing to report the debt as disputed. I am requesting that the CFPB investigate, instruct the companies to cease collection or reporting until proper validation is provided, and ensure removal of any inaccurate tradelines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: DE

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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal, has violated my rights. 

I looked at my credit bureau 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 XXXX 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 explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Pnc has stolen money from me by adjusting balances over night too manipulative faction too steal money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
TransUnion LLC XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Fraudulent Hard Account Request for Immediate Removal under FCRA 605B To Whom It May Concern, I am writing to formally dispute the following unauthorized account that appears on my TransUnion credit report. I am a victim of identity theft as a result of a recent data breach, and I did not authorize or initiate this account. 

The fraudulent account is as follows : Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$830.00} Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request that credit reporting agencies block information on their credit reports that results from identity theft. Additionally, under the FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Because this account was the result of fraudulent activity, I am demanding that TransUnion remove or block this account from my credit file within four ( 4 ) business days of receipt of this letter, as required under FCRA 605B.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Late Dates XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance : $ XXXX Date XX/XX/XXXX. 
These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding Equifaxs handling of my credit report and the unexplained, significant drop in my credit score. On XX/XX/year>, my Equifax credit score was XXXX. Overnight, on XX/XX/year>, my score dropped by XXXX points without any change in my credit behavior or financial status. 

I have a perfect payment history, carry a {$0.00} balance on my credit cards every month, and have no late payments, negative accounts, or charge-offs. I immediately contacted Equifax to seek clarification, but they were unable to provide a reason for this sudden drop. Their representatives repeatedly told me that everything on my credit report looks good, yet they could not explain the drastic decline in my score. 

This situation has caused me significant stress and concern as it impacts my ability to obtain credit and maintain my financial standing. My scores with TransUnion and Experian remain consistent and unaffected, which further confirms that this issue is isolated to Equifaxs reporting or scoring system.

Company response to consumer: Closed with explanation