vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom this may concern, Experian, Equifax, and Trans union have failed to put the correct information on all of my credit reports Im filling this claim so we can get things established in the right way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern, Experian, Equifax, and Trans union have failed to put the correct information on all of my credit reports Im filling this claim so we can get things established in the right way

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00}

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 non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXXXXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-07-15 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of several derogatory accounts listed on my credit file, as they are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and do not meet the standards of complete, accurate, and verifiable information as required by law.

Under 15 USC 1681c-2, a consumer has the right to block information resulting from identity theft or incorrect reporting that causes damage. I have found that the following accounts are being reported inaccurately and are damaging my creditworthiness : Accounts : XXXX. XXXX Account shows inconsistencies across bureaus : marked as paid on TransUnion/Experian but open and XXXX  days late on Equifax. 
Status : Disputed and resolved, yet still reporting derogatory terms. 
Violation : Failure to update or remove disputed account under 1681i ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX XXXX reported with balance, even after dispute marked resolved consumer disagrees. 
Violation : Inaccurate post-dispute status, failure to block unverifiable data under 1681s-2 ( b ) and 1681c-2. 
XXXX. XXXX XXXX XXXX as open with current payment, yet under dispute and flagged. 
Dispute comments do not reflect accurate, consistent reporting.

Violation : Conflicting reporting violates 1681e ( b ) requiring maximum accuracy. 
XXXX. Unknown Account Reporting {$21000.00} XXXX ( possibly XXXX XXXX XXXX ) Still showing derogatory status, balance, and reinvestigation in progress comment. 
This violates 1681i as continued reinvestigation without resolution or correction after dispute response deadline is a failure of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$950.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$260.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$390.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$790.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$84.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan Motor Acceptance is reporting a negative account on my credit report. I have settled this debt through XXXX XXXX XXXX. This individual account should no longer be visible and a negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I contacted Ally Auto on a few occasions about an inaccurate late payment applied to my credit file for the month of XXXX, XXXX. My due date is XX/XX/year>, I paid XXXX 's payment on XX/XX/year>. It wouldn't be XXXX  days late until the XXXX day which was XX/XX/year>. I submitted my receipt of payment showing the payment was made XX/XX/year> and Ally Auto or credit bureaus did not remove the inaccurate late payment from my credit file. I will now seek a civil suit requesting {$1000.00} for each inaccurate late payment reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union has restricted my access to banking services based on an alleged credit card account I have no knowledge of. This account is not reporting on any of my credit files with XXXX XXXX XXXX XXXX 

I was never notified of a delinquency, charge-off, or legal action, yet XXXX XXXX recently informed me that this alleged debt was transferred through multiple third-party firmsfirst to XXXX, XXXX & XXXX XXXX Ohio XXXX and then XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have not received a single notice, statement, validation letter, or legal document from any party in this chain. Despite multiple attempts to obtain documentation from Navy Federal, they refused to provide anything and instead instructed me to contact the third-party attorney firm directly. That firm has also failed to validate the debt. 

This appears to be an improperly reassigned, time-barred, or unverified account allegedly dating back to XXXX when I briefly lived in XXXX. My current legal residence is in XXXX, and none of these firms have jurisdiction in my state. 

The internal restrictions placed by Navy Federal are now interfering with my ability to operate financially. I am a veteran and small business owner. These actions have harmed my ability to access debit transactions, open accounts, apply for new financial services, and run my business. 

I formally dispute the existence and validity of this alleged account. Navy Federal has taken adverse action without due process, without documentation, and in direct violation of federal consumer protections under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and banking compliance rules. This situation must be resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I am disputing a collection account currently reflected on my credit report. I did not authorize or initiate this account, and its reporting represents a serious breach of my consumer privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I applied for the American Express Delta SkyMiles XXXX Credit Card on XX/XX/2025, using a referral link sent to me by a friend who already held the card. 

At the time of application, I understood that I would receive XXXX XXXX  as part of the public welcome offer, plus an additional XXXX XXXX through the referral promotion if I spent a certain amount ( which I believe was {$3000.00} in six months ). I met that spending requirement and received XXXXXXXX XXXX. However, I never received the XXXX welcome bonus. I recall reading that some miles might take time to post, which is why I waited until the XXXX mark before following up. 

I carefully looked for any offer terms or clarifications at the time of applying, but American Express did not send me any confirmation of the bonus offer or a copy of the terms I was agreeing to. The referral link itself no longer works, making it impossible to verify the original offer. I acted in good faith based on the information I had and I even called American Express to inquire, but they informed me that I was not eligible for both the referral bonus and the welcome bonus, despite no such limitation being clearly stated at the time of application. Iincluded a message from the referring cardholder ( attached in the documents section ), which clearly stated that I would receive XXXXXXXX XXXX in addition to the XXXX welcome offer. If the referral terms excluded the public bonus, that should have been disclosed explicitly and transparently at the time of application. Without access to those terms, I could not have known I was forfeiting the larger bonus. 

Unfortunately, the referral link my friend sent me ( seen in the attached screenshot ) no longer works ( it now leads to a page not found message ), and American Express did not send any confirmation email or record showing what promotional offer was associated with my application. This lack of transparency makes it impossible for me to verify or challenge the terms I was presented. Here is that link for reference : XXXX XXXX XXXX XXXX XXXX XXXX This lack of transparency and failure to disclose differences between referral and public offers misled me into selecting a lesser-value option. Had I known that using a referral link would exclude me from the XXXX public offer, I would have applied directly instead. 

I believe this practice is misleading. If referral applicants are offered fewer miles than direct applicants, that should be made explicitly clear at the time of application and a copy of the bonus terms should be included in a confirmation email or accessible from the account. I would not have applied through the referral link had I known it offered fewer miles than the standard welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am submitting a formal complaint regarding inaccurate and unverifiable information being reported to Experian by XXXX XXXX XXXX XXXX XXXX XXXX, and others. This includes failure to reinvestigate under FCRA 1681i, improper use of Metro 2 codes, and outdated account statuses. Please see attached audit, letters, and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverifiable information being reported to Experian by XXXX XXXX XXXX XXXX XXXX XXXX, and others. This includes failure to reinvestigate under FCRA 1681i, improper use of Metro 2 codes, and outdated account statuses. Please see attached audit, letters, and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered an outstanding balance listed under EdFinancial. I was never notified of this account, nor was I provided any opportunity to make a payment or dispute the charges prior to it appearing on my credit report.

This has negatively impacted my credit score, and I am formally requesting : A complete explanation of the debt, including the original account details, disbursement dates, and how the balance was calculated.

Any communications or notifications that were allegedly sent to me regarding this debt. 

Immediate removal of the derogatory reporting from my credit file if proper notification and due process were not followed. 

Please treat this as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am requesting that this matter be investigated promptly, and I be given the opportunity to resolve it without further damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief