vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Formal Dispute Improper Reporting of Charged-Off Account Dear XXXX, I am writing to formally dispute the reporting of a charged-off account on my credit report. The account in question is listed under XXXX XXXX XXXX with the account number XXXX. Based on my records and applicable federal consumer protection laws, I believe this account has been reported improperly and request an immediate investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Legal Basis for Dispute : 15 U.S.C. 1681s-2 ( a ) Creditors and furnishers are prohibited from reporting inaccurate or unverifiable information to consumer reporting agencies.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Debt collectors can not misrepresent the legal status of a debt, including improper charge-off reporting.

State Consumer Protection Laws Many states prohibit creditors from reporting charged-off debts as active obligations once they have been written off for accounting purposes.

Regulation V 12 CFR 1022.43 Requires furnishers to investigate disputes and correct inaccurate reporting.

Requested Action : Conduct a formal investigation into the accuracy of this charge-off.

Provide full verification documentation from the original creditor, including the signed agreement and payment history.

If the information can not be verified, remove or correct the charge-off entry immediately in compliance with FCRA.

Ensure this dispute is reflected in my credit file during the investigation.

I have attached supporting documents ( e.g., settlement letters, dispute evidence, identity theft reports ) to substantiate my claim. Under FCRA regulations, I expect a written response within 30 days detailing your findings and any corrective action taken.

Failure to comply may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and relevant state consumer protection agencies. Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX Balance : {$300.00}

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 2025-05-09 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-09 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: CA

Complaint narrative:
I am a victim of identity theft. After my renewed driver 's license ( Real ID ) letter was lost, my personal information ( including SSN ) was use without my knowledge to fraudulently register an Experian account. This Experian account was created with an unauthorized email, phone number and address that doesn't belongs to me. Since I discovering this in XX/XX/XXXX, I have contacted Experian customer services at least five times by phone, and submitted two rounds of documentation, including my police report and police report update notes ; multiple government-issued ID and SSN card ; proof of address with the leasing agreement all the way starting from XXXX. 
In the middle of XX/XX/XXXX, I received multiple letters back from Experian. XXXX of the main letter stating that they do not believe my request to block or unlink the fraudulent account is valid. Despite my repeated explanations and submission of all requested documents, Experian has refused to recognize that account was fraudulently created and continues to associate with my SSN. This situation has prevented me from accessing my own credit report and disputing the inaccurate personal informations linked to my Experian account. I'm working closely with LAPD, but Experian 's refusal to take appropriate action has left me vulnerable to further harm. That's why I'm seeking CFPB 's help.

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 2025-05-09 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXXXXXX XXXX XXXXXXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's accounts on my credit reports that's reporting inaccurate. XXXX XXXX accounts opened XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX account opened XX/XX/XXXX ( XXXX was included in my bankruptcy in XXXX and I want them removed off my credit reports. Transunion and Experian are both still reporting these accounts inaccurately. XXXX  been updated and removed the accounts included in my XXXX  XXXX bankruptcy. Then I want all names except XXXX XXXX XXXX removed off my reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). My credit reports should only bare the name that's on my ID XXXX. And I'M requesting that unauthorized inquiries be removed off my credit files ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). The inquiries are fraudulently and was not authorized by me. I have requested this information to be updated and removed before and my request was ignored without any type of investigation. XXXX  the only one updated and removed the accounts and other inaccurate information.

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 2025-05-09 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-09 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX, IL 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 2025-05-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$7800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX  {$30.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file.

Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX XXXX XXXXXXXX

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 2025-05-09 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: TN

Complaint narrative:
Reviewed my credit report after being unable to get credit and noticed a few inaccuracies.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Refusing to issue SCRA BENEFITS AND ASKING THAT I MAIL IN MY MILITARY ORDERS WHEN THAT IS AGAINST WHAT THE MILITARY TOLD ME TO DO! I uploaded proof of being active duty and they are still charging {$100.00} fees and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
In XXXX of 2024 I opened a free checking and savings account with Navy Federal Credit Union. I received emails and a digital banking card. Nothing was requested of me in addition by the bank outside of a {$5.00} deposit to hold the account open. In which I placed in the account. I never received a physical card in the mail. I utilized the account to deposit my tax refund unaware the account was restricted in XX/XX/2024. The bank has been holding my money for XXXX mos and telling me I needed to verify my identity by uploading several documents. In which I did and went into the branch and hand a manager to send in this information as well filing an appeal to either I restrict my account or close it to remove my monies. been almost 6 mos and my account is still restricted, I cant remove money. No resolution no matter what I have provided. Im being giving the run around after several appeals

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of where they came from. In line with USC 1681g, I am officially requesting their removal within 15 days. Enclosed are the supporting documents for your careful review. Please note that the account details being reported to each bureau are inconsistent and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
DISPUTE & COMPLAINT LETTER UNAUTHORIZED INQUIRIES DUE TO SUSPECTED DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion / XXXX ( Also valid for submission to the FTC and CFPB ) RE : Formal Dispute and Complaint Unauthorized Credit Inquiries Resulting from Suspected Identity Theft and Data Breach To Whom It May Concern, I am writing to formally dispute and report multiple unauthorized hard inquiries that have appeared on my credit file. Between XX/XX/XXXX and XX/XX/XXXX, over XXXX inquiries were conducted by lenders and financial institutions that I did not authorize or engage with. 

As a resident of XXXX, I suspect these unauthorized inquiries may be related to the City of Philadelphia Data Breach that occurred from XX/XX/XXXX to XX/XX/XXXX. This incident, publicly confirmed by city officials, involved unauthorized access to city email accounts containing private information including Social Security numbers, drivers license details, and financial data. I have strong reason to believe that my identity was compromised as a result. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), no entity may access a consumer 's credit file without explicit consent and a permissible purpose. Therefore, under 15 U.S.C. 1681i, I am requesting a formal investigation into each of the following inquiries. If any entity can not provide verifiable proof of my signed authorization, I request that the inquiry be permanently removed from my credit report. 

INQUIRIES TO INVESTIGATE AND REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX REQUESTED ACTIONS : Conduct a full investigation of the listed inquiries Permanently remove all inquiries lacking proof of consent Provide me with a written explanation of your findings Issue an updated copy of my credit report reflecting corrections If this matter is not resolved within 30 days, I will proceed with formal complaints through the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) using this documentation. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief