vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a formal complaint against American Express for failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly Sections 605B and 609 ( e ).

I was a victim of identity theft and submitted a complete identity theft report to the credit bureaus and American Express. This included an FTC Identity Theft Report, government-issued ID, Social Security copy , proof of address, affidavit, and a formal 605B request letter. 

Despite this, American Express continues to report a fraudulent account on my credit report and has verified it as accurate to XXXX XXXX XXXX I also requested account documentation under Section 609 ( e ), and they failed to respond appropriately.

This account is not mine. It resulted from identity theft and should be blocked from reporting under Section 605B. I am requesting immediate intervention from the CFPB to ensure American Express : 1. Provides all verification documents per 609 ( e ), 2. Stops furnishing inaccurate information, and 3. Informs the credit bureaus to delete the account. 

Their refusal to cooperate is causing continued harm to my credit and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed the reporting of an account from XXXX XXXX XXXX XXXX  ) with Experian on XX/XX/year>, due to inaccurate and inconsistent information across credit bureaus. 
The same account appears with different " Date Opened '', " Date of Last Activity '', and " Date Reported '' across Experian, XXXX, and XXXX. The account status and remarks also differ. 
I requested verification from the company, but they failed to provide documentation to justify the reporting. 
This inaccurate and inconsistent information negatively affects my credit profile. I am requesting CFPB to investigate and have the account corrected or removed if it can not be verified.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I had issues and discrimination from the bank with me making a deposit. I was being told that I was bringing a fraudulent check and I was being told that they were gon na call the police and follow the police report because the check fraud. Since I finally got my funds after they held it longer than they were supposed to it was showing that it was available but I was still unable to get it. They put an extensive hold on it. I've had XXXX remarks made to me. I'm having fraudulent activity on my account and being denied an investigation into the fraud. I'm having money stolen from my account since I've got this account and they've done nothing. Now I'm getting more alerts for fraud and this is taking a lot of my money please help me.

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 2025-05-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian credit reporting agency , remove 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 account opened at 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 XXXXXXXX Balance : {$2300.00} FACTUAL DATA XX/XX/year> These items 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 2025-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I never signed any documentation pertaining to the home loan or any subsequent actions regarding the home at XXXX XXXX XXXX, LA. The home was initially financed though XXXX XXXXWith the listing of borrowers as XXXX XXXX and XXXX XXXX XXXX The financing company is now listed as Credence Management. All this information has shown up on my credit report. Listing the home as my residence.Divorced over 15 years. I was not even contacted about transactions. Never was even aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under Law 15 USC 1681i. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX.... 

As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) Law 15 USC 1681i to have my disputes investigated thoroughly, but Experian has failed to fulfill this obligation.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I paid my Barclays View World Mastercard account in full through Barclays authorized collections law firm, XXXX XXXX XXXX. On XX/XX/year>, I received a formal settlement confirmation letter from XXXX XXXX XXXX confirming that the account was resolved with no remaining balance. 

Despite this, Barclays continues to report the account as unpaid on my credit report. This is false and misleading information. I have submitted the settlement letter to the credit bureaus and followed all proper procedures, but the inaccurate reporting originates from Barclays, who has failed to update the account status as required under the Fair Credit Reporting Act ( FCRA ). 

The problem lies with Barclays ' refusal to update their data furnishment to reflect the correct information that the account was settled in full and carries a {$0.00} balance. 

This incorrect reporting is causing serious harm to my credit and has already impacted my ability to obtain a mortgage. I am requesting that Barclays immediately correct the tradeline across all credit bureaus to show the account as settled and paid in full.

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 2025-05-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several entries that are either incorrect or were not authorized by me. I see I have a lot of inquiries and late payments I would like to dispute this information and request a thorough investigation into these items.

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 2025-05-28 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-05-28 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-05-28 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: FL

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-28 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 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:
I'm writing to dispute fraudulent accounts that have appeared on my credit report. These unauthorized accounts are negatively impacting my credit score and ability to obtain credit. Please investigate and remove them from my report as soon as possible. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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'm writing to dispute fraudulent accounts that have appeared on my credit report. These unauthorized accounts are negatively impacting my credit score and ability to obtain credit. Please investigate and remove them from my report as soon as possible. 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 2025-05-28 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: IL

Complaint narrative:
* * Consumer Financial Protection Bureau * * XXXX XXXXXXXX XXXX XXXX  XXXX, IA XXXX * * Subject : * * Complaint Regarding Unauthorized Collection Account Reported by TransUnion * * Your Information : * * - * * Name : * * XXXX XXXX - * * Address : * * XXXX XXXX Ct, XXXX, IL - * * Phone Number : * * XXXX - * * SSN ( Last XXXX ) : * * XXXX * * Complaint Details : * * To Whom It May Concern, I am writing to formally submit a complaint regarding an unauthorized collection account reported on my credit report by XXXX. The account in question is from XXXX XXXX XXXX for XXXX XXXX XXXX, which I believe is being reported in error and violates several regulations. 

* * Account Information : * * - * * Creditor : * * 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  * * Placed for collection # # # Summary of Violations : XXXX. * * Unauthorized Reporting * * : The account is reported without my consent, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX. * * Inaccurate Status * * : The account is inaccurately reported as " Open '' while being classified as derogatory, which is misleading. 
XXXX. * * Lack of Validation * * : XXXX XXXX XXXX has not provided validation of this debt, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. * * Incomplete Reporting * * : The absence of necessary details in the Metro 2 format indicates non-compliance with industry standards.

5. * * Failure to Update Information * * : The account has not been updated accurately, violating the FCRA.

# # # Requested Resolution : Given these violations, I respectfully request that the CFPB investigate this matter and facilitate the immediate deletion of this unauthorized collection account from my credit report with XXXX. I also request that XXXX XXXX XXXX provide validation of this debt, as I have the right to know the details of any debt being reported against me. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
* * Consumer Financial Protection Bureau * * XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX * * Subject : * * Complaint Regarding Unauthorized Collection Account Reported by TransUnion * * Your Information : * * - * * Name : * * XXXX XXXX - * * Address : * * XXXX XXXX Ct, XXXX, IL - * * Phone Number : * * XXXX - * * SSN ( Last XXXX ) : * * XXXX * * Complaint Details : * * To Whom It May Concern, I am writing to formally submit a complaint regarding an unauthorized collection account reported on my credit report by TransUnion. The account in question is from XXXX XXXX XXXX for XXXX XXXX XXXX, which I believe is being reported in error and violates several regulations. 

* * Account Information : * * - * * Creditor : * * XXXX XXXX XXXX  - * * Collection Agency : * * XXXX XXXX XXXX- * * Account Status : * * Open - * * Balance : * * {$880.00} - * * Highest Balance : * * {$880.00} - * * Date Opened : * * XX/XX/year> - * * Type : * * Derogatory - * * Remarks : * * Placed for collection # # # Summary of Violations : 1. * * Unauthorized Reporting * * : The account is reported without my consent, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX. * * Inaccurate Status * * : The account is inaccurately reported as " Open '' while being classified as derogatory, which is misleading. 
XXXX. * * Lack of Validation * * : XXXX XXXX XXXX has not provided validation of this debt, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. * * Incomplete Reporting * * : The absence of necessary details in the Metro 2 format indicates non-compliance with industry standards.

5. * * Failure to Update Information * * : The account has not been updated accurately, violating the FCRA.

# # # Requested Resolution : Given these violations, I respectfully request that the CFPB investigate this matter and facilitate the immediate deletion of this unauthorized collection account from my credit report with TransUnion. I also request that XXXX XXXX XXXX provide validation of this debt, as I have the right to know the details of any debt being reported against me. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2025-05-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a complete identity theft dispute packet to XXXX  under FCRA Section 605B. This packet included : - A written request to block and remove XXXX fraudulent accounts - A signed FTC Identity Theft Report - Government-issued ID - Proof of my current address - A copy of my Social Security card XXXX  removed 2 of the 3 fraudulent accounts, but the account reported by American Express remains on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires that consumer reporting agencies block identity theft-related information within * * 4 business days * * of receiving the proper documentation.

American Express continues to furnish false information despite being informed of the identity theft and receiving my full documentation. I am a victim of identity theft, and this account does not belong to me. 

I am requesting that the CFPB investigate this matter immediately and ensure that XXXX  complies fully with federal law by removing the fraudulent American Express account from my credit file. I also ask that CFPB review Amexs role in continuing to report and verify fraudulent data, which is damaging my credit profile.

Thank you for your assistance in enforcing my rights under federal consumer protection law.

Company response to consumer: Closed with non-monetary relief