vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collection as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. This account has been fraudulently reinserted to my consumer credit report after having been deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TN

Complaint narrative:
It appears that you have turned these items on my credit report into a charge off, but I never received the 1099c can you be so kind to send me a 1099c for the actual item that has charge off so i can file on my XXXX  tax return due to my financial hardship of being in the hospital as a 100 % disable XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: OH

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my third formal dispute about multiple accounts that continue to appear on my credit reports with incorrect, inconsistent, and unverified information across XXXX, XXXX, and Equifax. I have disputed these items before, but the same contradictions remain. Because the reports differ from one bureau to another, I doubt a real, reasonable reinvestigation was ever performed as required under the Fair Credit Reporting Act ( FCRA 602 & 611 ).

The accounts and the conflicting information are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High balance : {$620.00} XXXX XXXX XXXX XXXX XXXX. {$0.00} ( XXXX ) Account number XXXX XXXX show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of last activity : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX Remarks differ ( charged off/ purchased/ transferred / loss ) All bureaus currently show Account not disputed despite prior disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High balance : {$2300.00} ( XXXX XXXX XXXX XXXX. {$0.00} ( XXXX  ) Date of last activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Derogatory remarks and dispute status conflict across bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} on all reports but status differs ( XXXX  : Open ; XXXX XXXX XXXX : Closed ) Activity dates conflict ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Dispute indicators and creditor notes are inconsistent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as collection/chargeoff with paid balance {$0.00}, but dates and reporting are incomplete and inconsistent with other bureaus.

Why Im filing again The variations in balances, dates, account numbers, dispute flags, and creditor remarks show the data is unreliable and can not be properly verified. If you concluded these items were accurate, please state exactly what documentation you used. If you can not produce complete, consistent verification, the accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Subject : CFPB Complaint Equifax Failure to Verify Accounts / FCRA Violations Dear CFPB, I am submitting a formal complaint against Equifax regarding three accounts on my credit report that remain inaccurate and unverifiable, despite Equifax having received multiple verified dispute letters. 

Accounts in Dispute : Creditor Account Number Balance XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$1000.00} Timeline and Proof of Receipt : XXXX. XXXX dispute sent : XX/XX/year> Received by Equifax : XX/XX/year> ( certified receipt confirmed ) XXXX. XXXX dispute sent : XX/XX/year> Received by Equifax : XX/XX/year> ( certified receipt confirmed ) XXXX. Todays date : XX/XX/year> Despite receiving both disputes, Equifax has failed to provide authentic verification documentation for any of these accounts. I requested full verification including : Original signed contracts or agreements Complete itemized account ledgers Chain-of-custody or assignment documentation Sworn affidavits from authorized representatives FCRA Violations Observed : XXXX. 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of all disputed information. 
XXXX. 611 ( a ) ( 2 ) ( A ) : Failure to complete reinvestigation within 30 days of receipt of dispute. 
XXXX. 607 ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy. 
XXXX. Continued reporting of unverifiable accounts, materially harming my credit. 

Impact : These inaccurate accounts are negatively affecting my credit score and financial standing. 
Equifax has received proof of dispute, yet continues to report unverifiable information. 

Requested CFPB Action : Require Equifax to immediately provide full, authentic verification or delete these accounts from my credit report.

Investigate Equifaxs repeated failure to comply with FCRA 607 ( b ) and 611 ( a ).

Take enforcement actions to prevent further reporting of unverifiable accounts.

Supporting Documentation : Certified receipts of both dispute letters confirming Equifaxs receipt Current screenshots of all three accounts as reported Please contact me immediately at XXXX or XXXX for any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, 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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am requesting the removal of the following inaccurate or outdated addresses from my credit file. These addresses are not current and should not be associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my personal information and delete these addresses from my TransUnion/Experian/Equifax file . 

My current and only correct address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Name : XXXX XXXX XXXX XXXX : ( your DOB ) Last XXXX of XXXX : ( XXXXXXXX  ) Thank you, 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 2025-11-18 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: GA

Complaint narrative:
To Whom It May Concern, I am requesting the removal of the following inaccurate or outdated addresses from my credit file. These addresses are not current and should not be associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my personal information and delete these addresses from my TransUnion/Experian/Equifax file . 

My current and only correct address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Name : XXXX XXXX XXXX XXXX : ( your DOB ) Last XXXX of XXXX : ( XXXXXXXX  ) Thank you, 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 2025-11-18 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened or managed them. This is completely unacceptable and presents false and misleading information about my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts is extremely concerning. I need an immediate explanation for why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I used a XXXX  XXXX ATM in a local convenient store tried to retrieve {$340.00} and the ATM did not give me my funds but it did give me a receipt stating it gave me the funds. Then the ATM turned itself off and back on. And still no funds were released. I called the phone number on the ATM AND ALL THEY COULD DO WAS MAKE NOTE. I was told i had to handle it with my bank. So i called my bank, Paypal and they opened a dispute. It's been 11 days now and I've not even gotten an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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 have recently reviewed my FICO consumer credit report and noticed an unrecognizable account and multiple unrecognizable hard inquiries reporting to my FICO credit report which do not belong to me and are the results of fraud. Please remove this fraudulent account and hard inquiries as they are harming my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I have recently reviewed my FICO consumer credit report and noticed an unrecognizable account and multiple unrecognizable hard inquiries reporting to my FICO credit report which do not belong to me and are the results of fraud. Please remove this fraudulent account and hard inquiries as they are harming my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a XXXX XXXX XXXX XXXX, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-11-18 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, 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 generallf, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened an XXXX financing plan through XXXX for {$1500.00} with a promotional 0 % period. I made consistent on-time payments and believed I was following the terms correctly. At the end of the promotional period, I had approximately {$100.00} remaining on the balance. 

Immediately after the promotional period ended, Comenity/XXXX charged me {$880.00} in retroactive deferred interest, which I did not understand would happen. The salesperson who enrolled me at XXXX described it as 0 % interest and did not clearly disclose that leaving even a small balance would trigger all of the accrued interest from the entire promotional period.

The size of the interest charge is extremely disproportionate to the small remaining balance, and I would not have agreed to this financing had the terms been clearly explained. I am requesting that Comenity review this situation and issue a goodwill adjustment or removal of the retroactive interest.

I am submitting this complaint because I could not get the issue resolved directly, and I believe the financing terms were unclear and misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute certain accounts and inquiries that have appeared on my credit report and request an investigation into their accuracy. These disputes include charged-off accounts, inquiries, and late payments. Below are the details of the accounts I am disputing, separated by credit bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2200.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account 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 2025-11-18 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:
Please check the attached documents ; the questions came in unexpectedly and might not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: GA

Complaint narrative:
BMG LoansAtWork , LLC is reporting an account on my credit report that they no longer own. On XX/XX/year>, XXXX sent a letter stating that they sold all ownership rights to XXXX XXXX  XXXX, XXXX. Despite this, XXXX continues to report the account as active/charged-off. I have sent XXXX a cease and desist letter and a demand for proof of legal authority to report this account, but they have not corrected or removed the tradeline. This reporting is inaccurate and misleading, as XXXX has no ownership or servicing rights. I am requesting immediate removal of this tradeline from my credit report.

Company response to consumer: Closed with explanation