vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Equifax, Experian, Transunion and XXXX. I am receiving several notifications on request that I did not request, concerning fraud alerts, and security freeze and fraudulent disputes. Please allow me to refresh information to you. I have notified all of you, concerning my battle with cyber-hacking of all my devices. XXXX email accounts, XXXX online accounts, XXXX phone/devices totally reconfigured, completely taken over, not able to use. Extremely frustrating ongoing battle. My XXXX  knows all my information. He can easily pass all the security questions. Some of you continue to refuse to help/support me with this battle. Accusing me of doing all this fraudulent activity. Please! I plead, handle my account very cautiously. Since you refuse to block online activity and phone call-ins. Please honor this request. Please notify me by my current mailing address ( XXXX XXXX XXXX of all request, before going forward to making any changes. I will reply back with the same request you mail to me, approve or not approve with identification documents. This is the only solution that I believe that will work. To stop the ongoing fraudulent activity to sabotage my credit report, and steal my credit report/identity. Also for your information : I will never request to remove my XXXX Extended Fraud Alert, ( remove or lift my Security Freeze this 2025 yr ), I will never ask to remove my Consumer Statement ( I will make adjustments as needed by mail only ). I will NEVER dispute any of my accounts that are already established as of XX/XX/year>. Some Bureaus have also added the XXXX alert?? that's ok, but please never remove my XXXX XXXX XXXX XXXX. Equifax, I have received a notification from XXXX XXXX XXXX and XXXX that my Fraud Alert was removed and my Security Freeze was permanently removed from my credit report. Please correct this fraudulent request immediately - I did not request. Please help! Cyber-hacking is extremely difficult to battle. Again I plead, please contact me by mail before approving all request. Sincerely. I thank you all for your support.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Equifax, Experian, Transunion and XXXX. I am receiving several notifications on request that I did not request, concerning fraud alerts, and security freeze and fraudulent disputes. Please allow me to refresh information to you. I have notified all of you, concerning my battle with cyber-hacking of all my devices. XXXX email accounts, XXXX online accounts, XXXX phone/devices totally reconfigured, completely taken over, not able to use. Extremely frustrating ongoing battle. My XXXX  knows all my information. He can easily pass all the security questions. Some of you continue to refuse to help/support me with this battle. Accusing me of doing all this fraudulent activity. Please! I plead, handle my account very cautiously. Since you refuse to block online activity and phone call-ins. Please honor this request. Please notify me by my current mailing address ( XXXX XXXX XXXX of all request, before going forward to making any changes. I will reply back with the same request you mail to me, approve or not approve with identification documents. This is the only solution that I believe that will work. To stop the ongoing fraudulent activity to sabotage my credit report, and steal my credit report/identity. Also for your information : I will never request to remove my XXXX Extended Fraud Alert, ( remove or lift my Security Freeze this 2025 yr ), I will never ask to remove my Consumer Statement ( I will make adjustments as needed by mail only ). I will NEVER dispute any of my accounts that are already established as of XX/XX/year>. Some Bureaus have also added the XXXX alert?? that's ok, but please never remove my XXXX XXXX XXXX XXXX. Equifax, I have received a notification from XXXX XXXX XXXX and XXXX that my Fraud Alert was removed and my Security Freeze was permanently removed from my credit report. Please correct this fraudulent request immediately - I did not request. Please help! Cyber-hacking is extremely difficult to battle. Again I plead, please contact me by mail before approving all request. Sincerely. I thank you all for your support.

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 2025-05-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-21 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: GA

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 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 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 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 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 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is the second complaint involving Experian. I can not unlock my credit freeze. The Experian system does not recognize me through my phone number and social security number or any other identification. The online system fails. The telephone calls hang up without a resolution. There is no way to request to talk to a representative of the company to resolve. The Experian App fails. I created an account, and the system crashes when I try to use it saying that either the internet connection failed or they are having internal system problems. It tells me to try later. I've been trying for days. I have sent two letters with identification. I have called at least seven phone numbers. One number was provided by local police based on their operating license with the city, and a facilities manager returned my call only to say that he knows nothing about the products but will pass my request to someone else. I have not heard back. I tried today to access the Experian website and app and got the same results. Help! My credit is locked and I can't conduct business.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Some of the names and addresses listed is incorrect and does not belong to me. It is outdated, unverifiable, or connected to accounts I did not authorized. Please remove under FCRA 1681e ( b ), Remove unverifiable/ inaccurate personal information under FCRA 1681e ( b ). Credit Reporting Agencies must maintain reasonable procedures to assure maximum possible accuracy. Supporting documents verifying identity and current address are attached. Please delete old, fraudulent and inaccurate information 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 non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Some of the names and addresses listed is incorrect and does not belong to me. It is outdated, unverifiable, or connected to accounts I did not authorized. Please remove under FCRA 1681e ( b ), Remove unverifiable/ inaccurate personal information under FCRA 1681e ( b ). Credit Reporting Agencies must maintain reasonable procedures to assure maximum possible accuracy. Supporting documents verifying identity and current address are attached. Please delete old, fraudulent and inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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 2025-05-21 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I am writing to formally file a complaint against Equifax regarding what I believe to be a serious violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, as well as relevant IRS publication laws regarding the handling of credit data and charge-offs. 

My name is XXXX XXXX, and my date of birth is XX/XX/year>. I have recently become aware of an unauthorized credit inquiry and negative reporting activity on my credit report that has adversely affected my character, reputation, and creditworthiness. 

Specifically, I am alleging the following : 1. Unauthorized Access to Credit Report : A review of my credit file shows that my credit report was accessed without my authorization or permissible purpose as defined under 15 U.S.C. 1681b. I demand full disclosure of the name ( s ) of the entity/entities that accessed my credit report, the purpose cited, and documentation authorizing such access.

2. XXXX XXXX XXXX : The improper reporting and/or inquiry has caused me significant reputational damage and distress. False or misleading reporting constitutes defamation and negligent misrepresentation under both state and federal statutes.

3. Incorrect Handling of Charge-Offs : There appear to be violations related to how charged-off accounts have been reported, potentially in contradiction with IRS publication rules regarding debt forgiveness and tax treatment of charged-off debt. I request a full audit trail of any charge-offs or related information on my report.

Pursuant to the FCRA and applicable federal regulations, I request that you : Provide me with a detailed explanation and documentation of the inquiry/inquiries in question ; Remove any and all unauthorized inquiries and inaccurate entries from my credit report ; Conduct a full reinvestigation and provide written confirmation of the results ; Cease and desist from any further sharing or dissemination of false or unauthorized information.

If this matter is not resolved within 30 days as prescribed by law, I will have no choice but to pursue legal action to seek damages for defamation, negligent reporting, and violations of my consumer rights.

Please direct all written correspondence regarding this matter to my address listed above. I am retaining a copy of this complaint for my records and am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against NATIONAL CREDIT SYSTEM for their continued failure to address this matter appropriately. 

Account in Question : Creditor : NATIONAL CREDIT SYSTEM Account Number : XXXX * * Balance : {$330.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with NATIONAL CREDIT SYSTEM, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : 1.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 2.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$5000.00} Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. 
( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union has frozen my account containing {$28000.00} since XX/XX/year>2022. The issue began with a third-party check deposit, which I later verified in person per their instructions. Despite this, Navy Federal has continuously moved the goalposts, changed requirements, and refused to release my funds. They have allowed XXXX and cash deposits to post into the account during this time but denied me access. I have contacted their customer service and security teams numerous times without resolution. This conduct appears to be unlawful, and I request the CFPBs assistance in having Navy Federal immediately release my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation