vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and unverifiable information appearing on my credit report that continue to negatively affect my creditworthiness. The inaccurate or incomplete items include the following : personal information listed under XXXX XXXX with the addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . The following accounts also remain inaccurately reported or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$87.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$52.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance Owed : {$530.00} ; and XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Balance Owed : {$410.00}. Despite my prior dispute, these inaccuracies remain unresolved, and I have not received any verification results, supporting documentation, or notice of reinvestigation from the credit bureau. This constitutes a violation of the FCRAs requirements under 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] to maintain reasonable procedures for maximum possible accuracy and 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] to properly reinvestigate disputed 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 2025-10-31 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: AR

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and unverifiable information appearing on my credit report that continue to negatively affect my creditworthiness. The inaccurate or incomplete items include the following : personal information listed under XXXX XXXX with the addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . The following accounts also remain inaccurately reported or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$87.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$52.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance Owed : {$530.00} ; and XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Balance Owed : {$410.00}. Despite my prior dispute, these inaccuracies remain unresolved, and I have not received any verification results, supporting documentation, or notice of reinvestigation from the credit bureau. This constitutes a violation of the FCRAs requirements under 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] to maintain reasonable procedures for maximum possible accuracy and 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] to properly reinvestigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-31 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:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-10-31 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: GA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-31 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: MT

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

I am submitting a formal complaint regarding inaccurate late payment entries reported by XXXX XXXX XXXX to the national credit reporting agencies, specifically Experian. The accounts in question are XXXX XXXX XXXX XXXXXXXX, with late payments reported from XX/XX/XXXX through XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX, with late payments reported from XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX. These entries are incorrect and the result of the creditors reporting errors. I previously disputed these entries with both the credit bureaus and XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA 1681i & 1681s-2 ) and provided supporting documentation proving the inaccuracies. Despite this, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the inaccurate information. I am requesting that the CFPB investigate this matter, ensure the inaccurate late payment entries are deleted or corrected, and require XXXX XXXX XXXX to provide documentation verifying the accuracy of these entries.

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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
Dear XXXX XXXX Management Team, I am writing regarding the account under the names XXXX XXXX and XXXX XXXX, associated with our previous residence at XXXX XXXX XXXX. 

Please note that a cashiers check in the amount of {$440.00} was sent via XXXX Overnight on XX/XX/year>, and received and signed for by your manager, XXXX XXXX, on XX/XX/year> ( XXXX  Tracking No. XXXX ). Copy of the delivery confirmation is attached for your records.

Despite this payment being received and acknowledged, a collection file has been opened under our names for the same balance. This is a serious administrative error that must be corrected immediately. Since the full payment of {$440.00} was delivered and accepted, I respectfully request that you : - Close and remove any collection record related to this account immediately, and - Provide written confirmation that XXXX XXXX and XXXX XXXX names have been cleared from any third-party collection activity.

If this matter is not resolved promptly, I will have no choice but to pursue all legal remedies available under state and federal law, including those related to improper debt reporting and collection practices under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Please confirm receipt of this correspondence and provide written verification that the issue has been fully resolved.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-10-31 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts.Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXXXXXX * * * * * * * * * * * * Balance Owed : {$7000.00XXXX XXXX XXXXXXXX * * * * * * * * * * * * Balance Owed : {$3800.00}

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TN

Complaint narrative:
Overdraft was taken out and card was charged for canceled purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-31 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: OH

Complaint narrative:
I would like to dispute under FCRA section 611 ( a ) ( 7 ) METHOD OF VERIFICATION REQUEST I am writing to dispute the accuracy and completeness of the following account ( s ) on my credit report. This letter serves as a formal request for reinvestigation again under section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX REASON FOR DISPUTE : Accout is being reported inaccurately and incompletely.

Please provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Specifically, provide the name, address, and telephone number of the party that verified all the information and copies of all documents you relied upon during the reinvestigation.

If you can not verify the accuracy of the information within 30 days, you are required by law to delete the disputed item from my credit file. Furthermore you will not be under Metro 2 compliance if reporting inaccurate information. Again the information disputed is to be removed from my credit file immediately. Under FCRA regulations credit reporting bureaus can only reported information that is verified, complete, and accurate.

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 2025-10-31 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: OH

Complaint narrative:
I would like to dispute under FCRA section 611 ( a ) ( 7 ) METHOD OF VERIFICATION REQUEST I am writing to dispute the accuracy and completeness of the following account ( s ) on my credit report. This letter serves as a formal request for reinvestigation again under section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX REASON FOR DISPUTE : Accout is being reported inaccurately and incompletely. 

Please provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Specifically, provide the name, address, and telephone number of the party that verified all the information and copies of all documents you relied upon during the reinvestigation. 
If you can not verify the accuracy of the information within XXXX  days, you are required by law to delete the disputed item from my credit file. Furthermore you will not be under XXXX XXXX compliance if reporting inaccurate information. Again the information disputed is to be removed from my credit file immediately. Under FCRA regulations credit reporting bureaus can only reported information that is verified, complete, and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: TN

Complaint narrative:
XXXX XXXX is inaccurately reporting my auto loan as charged-off and unpaid. The loan was settled in full through their servicer XXXX on XX/XX/year> ( original balance {$2700.00}, paid {$1400.00} ). XXXX confirmed payment and stated they do not furnish data to the credit bureaus, only to XXXX. 

After XXXX first dispute, XXXX verified the account as unpaid. I called XXXX on XX/XX/year> and their rep said they no longer have my account and theres nothing they can do. I then contacted XXXX again, who confirmed they sent payment info directly to XXXX. 

I re-disputed with Experian and attached proof of payment, but XXXX again verified the account as unpaid. They are furnishing information they know is inaccurate and failing to update paid status, violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 

XXXXXXXX XXXX XXXX, XXXX, NV, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX : {$30.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Oliphant United, Inc.
State: NV

Complaint narrative:
XXXX, XXXX, and XXXX  have wrongly put collections on my account that is not my account. They have not investigated if the collections were not accurate. I am not in contract with these collections companies and I have requested all contracts and agreements for any alleged debt. I asked the companies to remove all the collections because they are not mine. This debt has caused tremendous hardships in my life.

Company response to consumer: Closed with explanation