vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Dear CFPB, Upon reviewing my consumer credit reports, I identified inaccurate reporting of late payments on the following account XXXX XXXX XXXX XXXX  XXXX I have consistently made on-time payments on this account and dispute the reported delinquencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information and request an investigation. Additionally, the FCRA mandates that consumer reporting agencies and furnishers of information report data with maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ). 

I am formally requesting that the CFPB investigate these inaccuracies. I also request that the furnisher or consumer reporting agency provide documentation, such as account statements or payment histories, proving the validity of the late payments. If they are unable to substantiate these claims, I request that the inaccurate late payments be corrected immediately to reflect their accurate, on-time status. 

This reporting error is negatively impacting my creditworthiness, and I am seeking resolution under my rights as provided by federal consumer protection laws. 

Thank you for your attention to this matter. I have attached supporting documentation for your review. 

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 2025-05-30 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: FL

Complaint narrative:
I am writing to formally dispute several charge-off accounts being reported on my Experian credit report that I believe to be either inaccurate, outdated, or unsubstantiated. The accounts in question are : XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX  ), reported as a charge-off with a balance of {$3900.00}, dated XXXX. 

XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX ), reported as a charge-off with a balance of {$0.00}, dated XX/XX/XXXX. 

XXXX XXXX ( Account Number : XXXX XXXX XXXX ), reported as a charge-off with a balance of {$23000.00}, dated XX/XX/XXXX. 

Regarding the XXXX XXXX, I have never received written verification or adequate documentation to justify the charge-off. I do not recall receiving a formal delinquency notice or an opportunity to resolve the matter before it was charged off. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute any inaccurate information, and the credit bureau must conduct a timely and reasonable reinvestigation. 

The XXXX XXXX XXXX XXXX XXXX account appears particularly suspicious. It is reported with a charge-off status but shows a {$0.00} balance. This inconsistency is both misleading and damaging to my credit profile. If there is no outstanding balance and the account was resolved or closed in good standing, it should not be labeled as a charge-off. 

The XXXX XXXX account is especially concerning. I was never notified about this charge-off or given any billing statements or payment history to confirm the alleged debt of over {$23000.00}. This has caused immense emotional distress and placed a significant burden on my ability to access credit, all while lacking any supporting documentation. 

I am aware that financial institutions and data furnishers must comply with the accuracy requirements of the FCRA and verify all reported information. Failing to do so is a violation of federal law and can lead to severe and unjust consequences for consumers.

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 2025-05-30 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the data breach report showing my information being exposed in a national data breach, and a validation of debt letter.

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 2025-05-30 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:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} Inquiries XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-31 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:
Date : XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, XXXX XXXX Subject : Identity Theft Report Request for Permanent Deletion of Fraudulent Credit Card Accounts Dear Experian, XXXX, and TransUnion, I am submitting this letter to notify your agencies of multiple fraudulent credit card accounts that have been opened in my name without my knowledge or consent. These accounts are now being reported on all three of my credit reports, despite the fact that I have never applied for or authorized any of them. I am a licensed beautician and conduct nearly all of my transactions in cash. I have never had a need for personal credit, and until recently, never even viewed my credit reports. I believe my personal information was compromised in multiple data breaches, which have resulted in unauthorized credit card accounts being opened in my name by identity thieves. Fraudulent Accounts That Must Be Deleted : 1. XXXX XXXX XXXX {$1400.00} 2. XXXX {$330.00} 3. XXXX XXXX XXXX XXXXXXXX {$460.00} 4. XXXX XXXX Bank XXXX {$460.00} XXXX. XXXX XXXX Bank XXXX {$7900.00} XXXX. XXXX Bank {$1400.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$1900.00} These accounts have severely harmed my credit, dropping my credit scores and resulting in debt collection calls and threats over balances I do not owe. I have no prior relationship with any of these creditors and have never authorized them to access my credit or report under my name. My Legal Rights Under the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information permanently removed : 1. 15 U.S.C. 1681e ( b ) You must maintain reasonable procedures to ensure accuracy 2. 15 U.S.C. 1681c-2 You are required to block identity theft-related items upon receipt of proper documentation 3. 15 U.S.C. 1681i You must investigate and delete unverifiable or disputed accounts 4. 15 U.S.C. 1681s-2 ( a ) Furnishers must report accurate information only My Formal Requests : 1. Permanently delete all fraudulent accounts listed above from my Experian, XXXX and TransUnion credit reports 2. Block these accounts from future reinsertion under 15 U.S.C. 1681c-2 3. Provide a written confirmation of deletion and the results of your reinvestigation 4. Ensure full FCRA compliance by both your agencies and the furnishers of these accounts I have also filed an FTC Identity Theft Affidavit, which I am including with this letter along with supporting documents such as my credit reports and identification. Thank you for your prompt attention. I expect full compliance with the FCRA and will continue to involve the CFPB and FTC as needed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report and realized some information that is inaccurate. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts are being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is a clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act Section 15 U.S. Code 1681i Procedure in case of disputed accuracy. 
XXXX XXXX  Account # 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 2025-05-30 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:
I recently reviewed a copy of my credit report and realized some information that is inaccurate. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts are being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is a clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act Section 15 U.S. Code 1681i Procedure in case of disputed accuracy. 
XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted requests to XXXX  and Experian to remove a fraud alert, security freeze, and/or extended al

ert from my credit file. I followed all required procedures and provided the necessary documentation. However, despite this, the requested removals have not been completed, and I have not received any confirmation or explanation for the continued freeze or alert on my file. This ongoing issue is interfering with my ability to access credit and is delaying financial processes that require a credit review. It is also causing unnecessary stress and hardship as I attempt to resolve this matter through the appropriate channels.

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 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient Has been involved in the following : Here 's a breakdown of the key types of misconduct Navient has been accused of : Steering borrowers into costly forbearance instead of income-driven repayment plans : This is one of the most prominent allegations. Navient allegedly pushed struggling borrowers into short-term forbearances, which allowed interest to accrue and capitalize, increasing their debt, rather than informing them of and enrolling them in more affordable income-driven repayment ( IDR ) plans that could have significantly lowered their payments or even led to loan forgiveness. 

Misleading borrowers about income-driven repayment plans : Navient failed to adequately notify borrowers about the annual recertification requirements for IDR plans, leading to increased payments and delayed loan cancellation.

Botching payment processing : Navient was accused of misallocating payments, leading to late fees, interest accrual, and negative credit reporting for borrowers.

Harming the credit of disabled borrowers : Navient allegedly tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a total and permanent disability. 
Deceiving borrowers about co-signer release requirements : Navient made misleading representations to private loan borrowers about the ability to release their co-signers, setting up arbitrary barriers that made it nearly impossible for most to achieve. 

Originating predatory private loans : Particularly through its predecessor, Sallie Mae, Navient was accused of making subprime private loans to students attending for-profit colleges with low graduation rates, even when it knew a high percentage of these borrowers would be unable to repay. 
Misleading borrowers about improving credit scores and federal student loan rehabilitation : Navient 's debt collection arm allegedly promised credit reporting relief to borrowers who completed rehabilitation programs, which wasn't always accurate. 
Arbitrarily denying student loan discharges for school misconduct : More recently, a class-action lawsuit has been filed alleging that Navient created a " sham process '' to deny student loan discharges to borrowers who had evidence of school misconduct and fraud, despite releasing an application for such discharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/year>, an unauthorized transaction of {$800.00} was made from my TD Bank credit card to a merchant listed as " XXXX XXXX. '' At the time of the transaction ( XX/XX/year> ), my credit card and drivers license had been stolen. I did not authorize or benefit from this transaction. 

I initially filed a fraud dispute with TD Bank under case number XXXX. The bank denied the claim, stating that the transaction appeared to be authorized. I disagreed with the resolution and called customer service to reopen the case. I was advised to resend the supporting documents, which I did via fax. 

On XX/XX/year>, I reopened the case under a new case number, XXXX. I again submitted documentation proving that my card and drivers license had been stolen and that the transaction was not authorized by me. However, TD Bank denied the case a second time, again stating that the transaction appeared to be authorized. 

I called customer service on XX/XX/year>, and requested reconsideration. I asked for a full review of all documentation provided, and I also requested the documentation used in their decision. 

Despite my repeated efforts and submission of supporting evidence, the bank continues to deny my claim without providing clear justification or acknowledgment of the stolen identity. I am seeking CFPBs assistance to ensure a fair investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
I have been victim of identity theft and found some fraudulent inquiry that I did not authorize on my credit report. Here is the fraudulent inquiry I've found due to identity theft. I also attached my identity theft report as well. 

XXXX XX/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 2025-05-30 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:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance :

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 2025-05-30 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:
Consumer Name : XXXX XXXX, XXXX Social Security Number:XXXX, Date of Birth:XXXX 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief