vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up Dispute Under 15 U.S. Code 1681i ( a ) Request for Deletion of Unverified Names and Addresses Dear Credit Bureau Representative , This letter serves as a formal follow-up to a previous dispute I submitted regarding inaccurate and unauthorized personal information appearing on my credit report. 
The following discrepancies have been noted : Name Variations : TransUnion lists my name as XXXX XXXX XXXX Experian lists it as XXXX XXXX, with an alias XXXX XXXX Equifax lists it as XXXX XXXX XXXX I request that you standardize my name across all three bureaus as XXXX XXXX XXXX, which is my full legal name. 

Date of Birth : Experian lists only the year XXXX, which is incomplete. 
TransUnion and Equifax correctly list it as XX/XX/XXXX. 

Please correct and update the Experian file with my full date of birth : XX/XX/XXXX. 

Address History : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian lists additional past addresses including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX of XX/XX/XXXX, the credit reports from TransUnion, Experian, and Equifax still reflect incorrect and unverified information, despite my earlier request for correction. I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ), which requires you to investigate and delete any information that can not be verified. 

Here are the details of the inaccurate data that should be removed : Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as listed in the Also Known As field ) The only accurate and legally recognized name that should appear on my credit report is : XXXX XXXX XXXX Addresses to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other addresses not associated with me My only valid and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unverified addresses and name variations are not associated with me, and their continued presence on my credit file may adversely affect my creditworthiness and violate the accuracy requirements set forth in the FCRA. 

Action Requested : Immediately delete all unverified names and addresses listed above from my credit file. 
Provide written confirmation of these deletions and send me an updated copy of my credit report. 

Thank you for your immediate 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 2025-04-16 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
EXPERIAN, EQUIFAX , INC. and TRANSUNION IS REPORTING WRONG AND BAD INFORMATION Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. XXXX ) XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date Open : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ) World finance Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX XXXX ) XXXX XXXX XXXX/ Background Checks Account Number : XXXX sealed information that shouldnt be access for background checks Date Open XX/XX/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 2025-04-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
They are not giving me access to {$400.00} that I wired into the Cash app card. They disguise it under a pending status when there is nothing pending at all. Ive tried dealing with customer service. Ive tried calling. Theyve sent me emails requesting information. I respond with all the information they requested. I submit it. I get no response. I call customer service back again. They put me through the same cycle same email get sent to me the same information requested and its a loop so they are absolutely avoiding me or their customers when it comes to trying to get our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted formal disputes to Equifax regarding certain inaccurate and harmful entries on my credit report. Specifically, I informed them that a creditor and a collection agency were reporting the same account at the same time, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA guidelines, a debt should not be reported by both the original creditor and a third-party collector simultaneously once it has been sold or transferred. 
Despite notifying Equifax of this violation, they : Failed to provide any proof of investigation or supporting documentation explaining how the disputes were verified Allowed both the creditor and collection agency to continue reporting simultaneously Refused to delete the inaccurate accounts despite being shown that they were duplicative and misleading Equifaxs failure to address this matter violates their obligations under the FCRA to conduct a reasonable investigation and to maintain accurate reporting. Their inaction and refusal to provide transparency into the investigation process have caused ongoing damage to my credit, including denial of credit and higher interest rates.

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 2025-04-16 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:
I submitted formal disputes to Equifax regarding certain inaccurate and harmful entries on my credit report. Specifically, I informed them that a creditor and a collection agency were reporting the same account at the same time, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA guidelines, a debt should not be reported by both the original creditor and a third-party collector simultaneously once it has been sold or transferred. 
Despite notifying Equifax of this violation, they : Failed to provide any proof of investigation or supporting documentation explaining how the disputes were verified Allowed both the creditor and collection agency to continue reporting simultaneously Refused to delete the inaccurate accounts despite being shown that they were duplicative and misleading Equifaxs failure to address this matter violates their obligations under the FCRA to conduct a reasonable investigation and to maintain accurate reporting. Their inaction and refusal to provide transparency into the investigation process have caused ongoing damage to my credit, including denial of credit and higher interest rates.

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 2025-04-16 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: NY

Complaint narrative:
I looked at my credit report and noticed some inconsistencies & inaccuracies on my account. This account is hurting my ability to get credit.Its my understanding that Experian and Equifax will investigate this account to Insured accuracy here on this account is indeed accurate and verified. so the account is XXXXXXXX XXXX XXXX account number XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union for failing to provide IRS Form 1099-C in connection with a debt that was written off. 

A debt I owed to Navy Federal Credit Union was charged off, and under IRS regulations, I understand that any canceled debt over {$600.00} must be reported on Form 1099-C and a copy must be furnished to the debtor. However, despite the charge-off, I have not received a 1099-C from XXXX XXXX, either XXXX or by mail. This failure is affecting my ability to properly file my federal income taxes and comply with IRS requirements. 

I have attempted to resolve this directly with Navy Federal Credit Union but have received no satisfactory response or resolution. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX complies with federal reporting obligations and provides the required documentation to consumers in a timely manner. 

Please feel free to contact me if any additional information is required. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX Account # : XXXX XXXX Amount : {$0.00} It is evident that your report for this account does not meet the strict standards set forth by XXXX. You must acknowledge how serious such an oversight is. As soon as possible, confirm that these details satisfy the strictest requirements or make sure the entire record is expunged. 

Experian inaccurately reported an account ( XXXX Account # XXXX ) on my credit report, violating Metro 2 standards and the Fair Credit Reporting Act ( FCRA ). The report falsely shows two 30-day late payments in the 2-year history, despite timely payments, and includes a misleading comment about a transfer that did not occur. These errors undermine the accuracy and integrity of my credit report, potentially impacting my financial opportunities.

This is not sent by a third party under fcra law youre obligated to investigate disputes without any issue. Do not sendstallletters

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 2025-04-16 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: AL

Complaint narrative:
I am filing this complaint because an inaccurate and fraudulent account was reported to all three credit bureaus. I submitted an FTC Identity Theft Report, valid identification, and a formal request for the account to be blocked under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

According to federal law, credit bureaus are required to block the disputed account within four business days of receiving this documentation. Equifax has already complied and removed the account due to inaccuracy. However, Experian and TransUnion have failed to do so, despite receiving the same documentation package. 

On XX/XX/year>, I spoke with an Experian representative named XXXX, who explained that when an account is disputed, Experian contacts the data furnisher in this case, XXXX. XXXX stated that XXXX merely responded that the account belongs to me, yet provided no evidence or supporting documentation. This suggests that Experian is not conducting a proper reinvestigation under FCRA Section 611, which requires a reasonable investigation of disputed information. Merely accepting a one-line response from the creditor with no supporting proof is not compliant with federal law.

This further shows that Experian has failed to uphold its legal obligations under both Section 605B and Section 611 of the FCRA. Therefore, I am requesting the following : That Experian and TransUnion immediately block the disputed account within four business days, in compliance with FCRA Section 605B That the item remain blocked unless or until the furnisher XXXX XXXX XXXX provides verifiable and sufficient supporting documentation That an investigation be opened into Experians dispute practices, which appear to disregard proper verification procedures and consumer protection laws Their ongoing reporting of this inaccurate, disputed, and unverified account is causing financial harm, and I am requesting the Consumer Financial Protection Bureaus assistance in resolving this matter immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up Dispute Under 15 U.S. Code 1681i ( a ) Request for Deletion of Unverified Names and Addresses Dear Credit Bureau Representative , This letter serves as a formal follow-up to a previous dispute I submitted regarding inaccurate and unauthorized personal information appearing on my credit report. 
The following discrepancies have been noted : Name Variations : TransUnion lists my name as XXXX XXXX XXXX Experian lists it as XXXX XXXX, with an alias XXXX XXXX Equifax lists it as XXXX XXXX XXXX I request that you standardize my name across all three bureaus as XXXX XXXX XXXX, which is my full legal name. 

Date of Birth : Experian lists only the year XXXX, which is incomplete. 
TransUnion and Equifax correctly list it as XX/XX/XXXX. 

Please correct and update the Experian file with my full date of birth : XX/XX/XXXX. 

Address History : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian lists additional past addresses including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the credit reports from TransUnion, Experian, and Equifax still reflect incorrect and unverified information, despite my earlier request for correction. I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ), which requires you to investigate and delete any information that can not be verified. 

Here are the details of the inaccurate data that should be removed : Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as listed in the Also Known As field ) The only accurate and legally recognized name that should appear on my credit report is : XXXX XXXX XXXX Addresses to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other addresses not associated with me My only valid and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unverified addresses and name variations are not associated with me, and their continued presence on my credit file XXXX adversely affect my creditworthiness and violate the accuracy requirements set forth in the FCRA. 

Action Requested : Immediately delete all unverified names and addresses listed above from my credit file. 
Provide written confirmation of these deletions and send me an updated copy of my credit report. 

Thank you for your immediate 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested that Equifax remove an address reflecting on my credit report XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX, Florida XXXX and I have sent supporting documents on several occasions including verifying my identity with Equifax over the phone where I had to upload my drivers license, take a selfie and answer relevant questions in order to be verified. But they are still refusing to take the address off of my credit profile. This is my second complaint today XX/XX/year>. I spoke to a supervisor name XXXX with Equifax ID number XXXX and he said that he can not remove the old address because as per my complaint from XXXX of this year, he received a copy of my drivers license from the CFPB and it is reflecting XXXX XXXX XXXX XXXX. Which is a lie. As per the FCRA any information that is not accurate should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-16 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief