vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and request the removal of items from my credit report that resulted from being a victim of XXXX XXXX. Under Section 605C of the Fair Credit Reporting Act ( FCRA ), I have the right to have all information that resulted from a severe form of XXXX in persons removed from my consumer report.Please consider this letter a request to permanently delete any adverse credit information related to accounts or activities that were the result of XXXX. 



I am including the following with this letter : Proof of identity ( e.g., drivers license, utility bill ). 
A statement affirming that I am a victim of XXXX, as defined in the XXXX  Victims XXXX XXXX of XXXX. 
Documentation supporting my claim, which may included : FTC report Letters from social workers, counselors, or legal ACCOUNTS ONLINE INFORMATION SERVICES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items were the result of coercion, fraud, or force and are not a reflection of my own credit decisions or actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX - XXXX ] Account Number : [ XXXX XXXX - XXXX ] Creditor Name : [ XXXX XXXX - XXXX ] Account Number : [ XXXX - XXXX ] Creditor Name : [ XXXX - XXXX ] Account Number : [ XXXX - XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Reporting Agency, I am writing to formally dispute and request the removal of all negative accounts, collections, charge-offs, hard inquiries, and other derogatory marks currently listed under my credit profile.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g and 1681i, I have exercised my legal right to request verification and validation of each debt allegedly associated with me. Specifically, I requested copies of any original signed contracts or agreements bearing my signature that substantiate my legal responsibility for these accounts. 

To date, none of the creditors or collection agencies have provided any original documentation bearing my signature to verify the validity of these debts. As such, under FCRA Section 609 ( a ) ( 1 ), you are required to provide all information in your files, including sources and original documentation. Failing to do so constitutes a violation of both federal and consumer rights protections.

Additionally, continued reporting of unverified and unvalidated accounts violates FCRA 611, which mandates that all information must be accurate and verifiable. If the credit reporting agencies can not verify the information within 30 days, it must be deleted from the consumers credit file. 

Therefore, I am formally demanding the immediate removal of all unverifiable and inaccurate items from my credit report, including but not limited to : All negative balances Collections accounts Charge-offs Hard inquiries Any derogatory information not supported by verified, signed agreements. 

I expect written confirmation of deletion within 30 calendar days from the receipt of this letter, as required under the law. 

Please send all correspondence regarding this matter to the mailing address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I booked what was described as an All Inclusive vacation for myself, my partner, and my parents. I did not receive what I paid for : instead I wasted a large amount of money of flights ; a large amount of time traveling, and then was out into a dangerous and painful situation- as was my mother and father. I diluted the charges with American Express as I did not receive the service I purchased. I provided evidence, I attempted to contact the merchant first, and my dispute was denied by American Express because the merchant offered me 6 % of the total in rewards points. I would never spend another XXXX with them so that was a useless offer. 


American Express refuses to submit the dispute as service not received and instead had it as a dissatisfaction dispute. Their agents have wasted an incredible amount of my time and provided very very poor service. Yet again- American Express is shirking their federally mandated responsibility to do any investigation let alone a thorough one. Merely to help Unique Vacations ( current owner of Sandals ) steal from me. 

i have attached photos of things that were part of the service i paid for that were falsehoods. Such as butler service, butler preferences, mini bar restock, XXXX  XXXX  ( as a XXXX XXXX  I can promise that they are not at all XXXX  XXXX  ), restaurants that were not open to XXXX when they should have been, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, 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 Bureau 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 XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have an hard inquiry on my credit report that I did not create.. It's inaccurate and fraudulent information that's needs to be removed immediately Blocked and removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing the inaccurate and unauthorized personal information being reported on my credit file by the three major credit bureaus ( Experian, Equifax, and TransUnion ). Specifically, my credit report contains multiple variations of my name, previous or unknown addresses, employment data, and phone numbers that I never provided or authorized. 

I do not have an employer listed and do not authorize any phone numbers to be on file. 

These inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1681e ( b ) Failure to maintain maximum possible accuracy 1681i Failure to properly reinvestigate disputed information 1681c Reporting outdated or unverifiable personal data I am submitting this complaint through the CFPB and have already provided the required identity documentation to support this correction. The continued presence of this incorrect data is harming my credit and potentially exposing me to identity confusion or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
I discovered a derogatory delinquency reported by XXXX on a federal Parent PLUS loan that had already been paid in full years ago. The loan in question was originally serviced by XXXX and applied toward Fall XXXX  tuition at XXXX. XXXX recently confirmed that all funds were disbursed and applied fully to tuition, with no remaining balance due. XXXX also confirmed a {$0.00} balance and official closure of the account. Despite this, XXXX claimed a past-due balance remained and submitted derogatory reporting to the credit bureaus. 

On XX/XX/XXXX, I paid {$2400.00} under pressure to resolve the issue, despite XXXX never being able to provide a clear breakdown of the debt. I have since submitted evidence, including : Proof of XXXX {$0.00} balance ( XXXX and XXXX letters ), XXXX confirmation of {$0.00} balance and loan transfer, Aidvantage portal screenshots, Disbursement confirmation, XXXX loan transfer record. 

XXXX responded with contradictory and vague statements and failed to remove the derogatory tradeline or refund the payment. Their investigation did not resolve the issue. The continued misreporting has severely harmed credit access for a family-owned business. This matter needs immediate resolution, including full deletion of the tradeline and refund of the payment made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding the unexplained and unnotified closure of my credit card account with Navy Federal Credit Union. 

I recently discovered that my credit card had been closed due to an alleged internal review that took place approximately two months ago. However, I was never notified by mail, email, phone, or secure message that my account was under review or that a closure had been initiated. I went to use the card to realize it expired XX/XX/XXXX and today is XX/XX/XXXX. 

This account was in good standing at the time of the review and remained active. I continued to make timely payments and was unaware of any issues. It was not until I contacted customer service that I was informed the account had been closed without any reason provided and with no adverse action notice issued. 

This handling of my account is unacceptable and has caused both financial disruption and emotional stress. 

In XXXX  the interest was raised on this card by {$220.00} which increased my payment almost {$170.00} with no explanation and then this happens. 

This feels deceptive and extremely unfair, especially given that I maintained my account responsibly. I am now worried about potential credit damage and financial impact, and I want this investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to resolve this matter of identity theft with Experian, Equifax, and TransUnion with no luck. This will be my last attempt before taking legal action against these three companies for violating my rights and also not following the law of the FCRA. I would like an investigation and validation of these fraudulent accounts and would kindly ask for them to be removed immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done business with any of these companies and would like them removed immediately from TransUnion, Equifax, and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to resolve this matter of identity theft with Experian, Equifax, and TransUnion with no luck. This will be my last attempt before taking legal action against these three companies for violating my rights and also not following the law of the FCRA. I would like an investigation and validation of these fraudulent accounts and would kindly ask for them to be removed immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done business with any of these companies and would like them removed immediately from TransUnion, Equifax, and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation