vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5100.00}

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am disputing the accuracy of items on my credit report, as permitted by 15US.CODE1681i ( a ). I am seeing negative items and charge-off status on my credit report related to three American Express credit card accounts. 
The information is being reported by all three major credit bureaus XXXX, XXXX, and XXXX. 
However, these accounts has been paid in full, and the charge-off status and any related delinquencies are incorrect. I have contacted the credit bureaus but the inaccurate information remains..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union for their unjustified delay and failure to resolve a clear case of suspected fraud and unauthorized activity on my account. I reported the issue immediately, submitted all required documentation, and followed every instruction provided. Despite this, no resolution or refund has been provided, and communication has been vague, dismissive, and nontransparent. 

This is not just negligence it is reckless disregard for a members urgent financial safety. Their delay has caused serious harm, including financial hardship, emotional distress, anxiety, and disruption to my life. I rely on these funds for essentials, and their failure to act promptly is both unacceptable and damaging. 

I have made multiple attempts to escalate this issue internally, but Navy Federal has failed to take action or provide any meaningful updates. Their handling of this case has been deeply unprofessional, and I am prepared to pursue all legal and regulatory avenues available to me. 

I am requesting immediate action, full reimbursement of the disputed funds, and formal accountability for their failure to protect and support their member during a financial emergency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Attorney is sued me in court about this debt I have no knowledge of this debt until I have a court date. HSBC {$2600.00} is the balance owed on the account Open on the credit bureau on XX/XX/year> Reports on XXXX XXXX on XXXX  and on XXXX  its reporting {$2600.00} Accounts have been changed off and repurchased by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-05 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:
I am writing to formally dispute inaccurate information present on my credit report. Upon recent review, I identified discrepancies related to the following account : XXXXXXXX XXXX XXXXXXXX, Account Number XXXX ]. These errors are negatively impacting my creditworthiness and my ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information they believe to be incorrect, and credit reporting agencies are required to investigate these claims in a timely and thorough manner. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of inaccurate or unverifiable information by debt collectors. 

I respectfully request that you investigate this matter and verify the accuracy of the information in question. Please provide written confirmation of the results of your investigation and correct any inaccuracies as required by law. 

Thank you for your prompt attention to this matter.

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 2025-08-05 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: OH

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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-05 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: TX

Complaint narrative:
The {$17000.00} account from XXXX at XXXX is not mine and is being wrongfully reported on my credit. I did not apply for this account, and the application contains a Social Security number that is not mine. This is identity theft. Under Section 605B of the FCRA, I have submitted an FTC Identity Theft Report and request this fraudulent account be blocked and removed from my credit file. Reporting inaccurate information after being notified violates Section 623 of the FCRA. I am not responsible for this debt and request immediate removal within the 4-day timeframe required by law.

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 2025-08-05 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: AZ

Complaint narrative:
The inaccurate information reflected on my credit report has caused substantial financial hardship and emotional distress. The misrepresentation of my personal and financial details has misled creditors and financial institutions, resulting in higher interest rates, denial of credit, and a significant negative impact on my financial stability. My repeated efforts to correct these inaccuracies have led to ongoing stress and anxiety, diminishing my confidence in the credit reporting system. 

Despite multiple disputes, the persistent presence of these errors worsens the situation, creating undue financial pressure. The refusal to correct the inaccuracies has left me with no choice but to take unnecessary financial measures, further compromising my emotional and financial well-being. Being unfairly penalized for issues outside my control has caused considerable distress and hardship. 

The continued reporting of false information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The failure to correct or remove these inaccuracies, despite clear evidence and legal obligations, demonstrates a disregard for consumer protection laws. This ongoing issue has not only led to financial consequences but also caused significant emotional distress, affecting my daily life and overall mental 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 2025-08-05 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: GA

Complaint narrative:
There are late payments on this account ( XXXX - XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are late payments on this account ( XXXX - XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
The account was unchanged. However, by law if a debt is deemed uncollectible they have to file 1099. To be able to file it as taxable in & when this happens. The account balance should be XXXX. By this, they are report inaccurate info on my account. This is fraudulent activity by law!!

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 2025-08-05 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: CT

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-05 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: NJ

Complaint narrative:
I XXXX XXXX, social security number XXXX, Date of Birth : XX/XX/year> is writing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Experian credit reporting agency XXXX and Equifax 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 credit card account opened at XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX under account number XXXX ; credit card opened at XXXX XXXX XXXX XXXX on XXXX XXXX under account number XXXX, credit account opened at XXXX XXXX on XXXX under account number XXXX, auto loan opened at XXXX  XXXX XXXX XXXX under account number XXXX on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX, XXXX accounts with XXXX XXXX XXXX both opened on XXXX XXXX with no account info available, and account with XXXX XXXX opened XXXX XXXX under account number XXXX. XXXX XXXX XXXX opened on XXXX XXXX under account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US Federal Trade Commission that all of 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I received a phone call from someone claiming I owed money on accounts that are already closed, including XXXX XXXX, XXXX, and XXXX. These accounts are clearly marked " closed '' on my XXXX XXXX report. The caller had my name, date of birth, and address, and even part of my Social Security number, which made it sound official at first. 

When I said I couldnt make a payment and tried to explain my situation, the person began interrupting me, had a rude tone, and then quickly hung up when I refused to pay. They didnt give me any written notice or verification, just tried to rush me into agreeing. 

I believe this was a scam attempt, possibly involving stolen personal information, and Im reporting it in case theyre targeting others as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
XXXX XXXX inquiry date XXXX XXXX XXXX account date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
XXXX XXXX inquiry date XXXX XXXX XXXX account date 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/1997, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX  XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding Equifax / Experian / TransUnion/ which has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling inaccurate and disputed credit reporting information on my credit report. Under 15 U.S. Code 1681o, a consumer reporting agency or furnisher of information may be held civilly liable for negligent noncompliance with the FCRA. Their failure to correct known inaccuracies, or to conduct a reasonable investigation following my dispute, constitutes a clear violation of this statute. As a result of this negligent noncompliance, I have suffered damage to my credit reputation, denial or higher cost of credit or insurance, emotional distress and frustration, time and money spent attempting to resolve this matter. I respectfully request that the CFPB,, hold the party accountable for FCRA violations under 1681o, and help facilitate the removal of this erroneous item from my credit report. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian/Equifax/Transunion inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation