vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
To : Experian XXXX. XXXX XXXX XXXX, Texas XXXX Re : Request for Blocking of Fraudulent Information Under 15 U.S.C. 1681c-2 Dear Experian, Pursuant to 15 U.S.C. 1681c-2 ( FCRA ), this letter serves as my formal request to block and permanently remove all information relating to fraudulent accounts that resulted from identity theft.

I have been the victim of identity theft, and as a result, the following account ( s ) appearing on my credit report are fraudulent and unauthorized : 1 ) XXXX  XXXX XXXX, acct # XXXX ; 2 ) DEPT OF EDXXXX acct # XXXX ; 3 ) XXXX XXXX XXXX acct XXXX XXXX ; 4 ) XXXX XXXX  XXXX acct # XXXX 5 ) XXXX XXXX XXXX acct # XXXX 6 ) XXXX XXXX XXXX acct # XXXX 7 ) XXXX XXXX XXXX account opened XX/XX/XXXX 8 ) XXXX XXXX  account opened XX/XX/XXXX In accordance with my rights under the Fair Credit Reporting Act, I am providing the following required documentation : 1.A copy of my FTC Identity Theft Report 2.A copy of my government-issued photo ID 3.A copy of my Social Security card ( or acceptable alternative proof of SSN ) 4.A copy of my proof of current address ( such as a recent utility bill or bank statement ) Please note that under 15 U.S.C. 1681c-2 ( a ) ( 1 ), a consumer is not required to provide a police report when an FTC Identity Theft Report is submitted. My documentation fully satisfies the statutory requirements to initiate this block.

As mandated by federal law under 15 U.S.C. 1681c-2 ( b ), you are required to permanently block the reporting of this fraudulent information within 4 business days of receiving this request and documentation. 

You are also prohibited from reselling or re-reporting this blocked information unless there is clear evidence that the information was blocked in error or due to a misrepresentation of facts by me, the consumer, as set forth in 15 U.S.C. 1681c-2 ( c ).

Please provide me with a written confirmation that the fraudulent information has been blocked and removed as required by law. 

Failure to comply with this request will constitute a violation of the Fair Credit Reporting Act and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. 

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 2025-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX is a negative item reporting inaccurately on my credit report. TranUnion did investigate my dispute. Transunion responded the collection was verified.Transunion is violating my rights as the account is being reported open on my credit report.The reporting is false, misleading and violating multiple federal consumer protection law.s FCRA,15 U.S.C 1681S-21 ( A ) ( 1 ) ( A ) Transunion is prohibited form furnishing information that is inaccurate. FDCPA 15 U.S.C 1692E ( 8 ) The credit line should not be listed as open. This is a misrepresentation and unfairly impacts my credit profile under federal law

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 2025-06-24 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I notice some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a 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 XXXX report showing my information being exposed in a national data breach and a validation of debt letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-24 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a Charge off every month after XX/XX/XXXX. I never received a 1099 C from Synchrony. I disputed it on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the results of the dispute stated " Information on this item has been updated. Please review your report for the 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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
While purchasing plane tickets on XXXX, I was presented with an offer to apply for an American Express credit card that I could use instantly to receive a {$500.00} credit statement while purchasing the tickets. I applied and was approved but they won't provide me with the instant credit card number for over XXXX  days, at which point, the plane tickets will likely be unavailable, and either way is not what they said. They seem unwilling to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
The name XXXX XXXX, and all derivations thereof, is not a personal asset or subject, but rather the property of the XXXX XXXX XXXX REVOCABLE LIVING TRUST, duly established under common law and publicly noticed on XX/XX/year>. 

2. The Trust has perfected a UCC-1 Financing Statement filed with the Delaware Secretary of State, establishing a superior secured interest in all property, accounts, and intangible assets bearing the referenced entity name. This includes but is not limited to trade-names, data identifiers, and monetized or securitized profiles.

3. Experian continues to report adverse derogatory data under the referenced name without verified contract, full disclosure, or express consent from the Trust.

4. This reporting constitutes a breach of fiduciary duty, invasion of trust property, and constructive fraud, wherein data is being published, syndicated, and sold contrary to the expressed lawful title, trust protections, and private interest.

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 2025-06-24 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: IN

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the legal requirement of maximum possible accuracy. These errors are placing a significant burden on me and continue to affect my life in ways that are deeply distressing and difficult to articulate. These are truly challenging times, and having these inaccuracies corrected or removed would not only provide reliefit would be a genuine blessing.

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 2025-06-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-24 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: MD

Complaint narrative:
Upon reviewing my Consumer Reports, I found some instances of late payments on several accounts for which I have always made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and this information must be reported with the highest accuracy. I have never missed a payment on the accounts listed below. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you can not provide such proof, I demand that these payments be promptly corrected to reflect their true on-time status, as I have consistently met my payment obligations without delay. 

Creditor : XXXX XXXX XXXX  XXXX Account Number : XXXX Balance : {$1000.00} Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX Creditor : XXXX  XXXX Account Number : XXXX Balance : {$1300.00} Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX Creditor : XXXX  XXXX XXXX XXXX Account Number : XXXX Balance : {$9100.00} Late Payments : XXXX, XXXX, XXXX Creditor : XXXX Account Number : XXXX Balance : {$29000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX Account Number : XXXX Balance : {$34000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX Account Number : XXXX Balance : {$6600.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX  Account Number XXXX Balance : {$25000.00} Creditor : XXXX XXXX XXXX  Account Number XXXX Balance : {$24000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX Account Number XXXX Balance : {$690.00} Late Payments : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : [ Insert Todays Date ] To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Blocking Request Under 15 U.S.C. 1681c-2 Dear Equifax, I am writing to dispute and formally request the blocking of fraudulent accounts currently listed on my Equifax credit report. As allowed by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to have these accounts permanently removed due to identity theft. 

I am a victim of identity theft. I did not open or authorize the accounts listed below. These accounts were opened fraudulently and are damaging my credit profile. 

Fraudulent Accounts to Be Blocked : XXXX XXXX Charged-off {$590.00} XXXX  Charged-off {$0.00} XXXX XXXX  Charged-off {$710.00} XXXX XXXX Charged-off {$800.00} XXXX  ( XXXX ) Charged-off {$270.00} XXXX XXXX XXXX ( Accounts ending in XXXX & XXXX ) Charged-off {$4700.00} XXXX XXXX XXXX Charged-off {$12000.00} XXXX XXXX Multiple disputed collection accounts XXXX  Charged-off {$2300.00} XXXX XXXX XXXX ( XXXX ) Collection {$910.00} XXXX / XXXX Charged-off XXXXl Multiple XXXX XXXX XXXX XXXX days late These accounts are not mine and should be permanently blocked from my credit file. 

Enclosed Documentation : FTC Identity Theft Report Government-issued photo ID Social Security card ( SSN ending in XXXX ) Proof of address ( utility bill or other document ) As per 15 U.S.C. 1681c-2, you are legally required to block the disputed items within 4 business days upon receiving this request and documentation. A police report is not required under federal law when a valid FTC Identity Theft Report is provided. 

I request : Immediate blocking of all accounts listed above Written confirmation of the blocking and deletions Notification to any furnishers of these items If this request is not fulfilled within the required timeframe, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal remedies. 

Thank you for your prompt cooperation. 

Sincerely, XXXX XXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
To : Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Re : Request for Blocking of Fraudulent Information Under 15 U.S.C. 1681c-2 Dear Equifax , Pursuant to 15 U.S.C. 1681c-2 ( FCRA ), this letter serves as my formal request to block and permanently remove all information relating to fraudulent accounts that resulted from identity theft. 

I have been the victim of identity theft, and as a result, the following account ( XXXX ) appearing on my credit report are fraudulent and unauthorized : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account opened XX/XX/XXXX In accordance with my rights under the Fair Credit Reporting Act, I am providing the following required documentation : 1.A copy of my FTC Identity Theft Report 2.A copy of my government-issued photo ID 3.A copy of my Social Security card ( or acceptable alternative proof of SSN ) 4.A copy of my proof of current address ( such as a recent utility bill or bank statement ) Please note that under 15 U.S.C. 1681c-2 ( a ) ( 1 ), a consumer is not required to provide a police report when an FTC Identity Theft Report is submitted. My documentation fully satisfies the statutory requirements to initiate this block. 

As mandated by federal law under 15 U.S.C. 1681c-2 ( b ), you are required to permanently block the reporting of this fraudulent information within 4 business days of receiving this request and documentation.

You are also prohibited from reselling or re-reporting this blocked information unless there is clear evidence that the information was blocked in error or due to a misrepresentation of facts by me, the consumer, as set forth in 15 U.S.C. 1681c-2 ( c ). 

Please provide me with a written confirmation that the fraudulent information has been blocked and removed as required by law. 

Failure to comply with this request will constitute a violation of the Fair Credit Reporting Act and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Request for Investigation and Correction I am writing to formally dispute the accuracy of information related to a charged-off account that appears on my credit report. The account in question is : Name On Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Status : Collection/Charge-Off Upon reviewing my credit file, I have reason to believe the information reported is inaccurate and incomplete. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate or incomplete. I am requesting a thorough investigation into this matter and for the account to be either : 1. Deleted entirely if the charge-off is inaccurate or unverifiable, OR 2. Updated to reflect a status of paid as agreed/on-time, if the debt was paid or settled and the reporting does not reflect this accurately. 

Please provide written confirmation of your findings following your investigation, and if a change is made, send me an updated copy of my credit report showing the correction. 

Should you find the account to be unverifiable or inaccurately reported, I request its immediate deletion from my credit profile.

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