vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: GA

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 2025-07-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX - Date Opened Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As part of my usual credit monitoring, I noticed some discrepancies on my report that werent there before. I thought it might be a browser error and refreshed the page, but the false accounts still showed up. I kindly ask that the documents Ive provided be examined thoroughly so I wont have to keep worrying about this.

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 2025-07-24 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ 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 2025-07-24 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:
The personal information on my credit report were outdated.

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 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-07-24 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: MOHELA
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

Actions that have negatively impacted my credit : MOHELA/XXXX Late Payments across 4 accounts.

Reasoning : I was not notified payments would begin at the time they did. I had not been living at the address that was registered at the time and had not been receiving any emails.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am reporting Midland Credit Management for falsely reporting a charged-off debt as an open account, misrepresenting the default date, and engaging in selective documentation practices that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Despite being informed of the inaccuracies, Midland continues to report this account in a way that damages my credit, contradicts their own records, and undermines my ability to fairly defend myself in an active legal case scheduled for XX/XX/XXXX. 



What did the company do wrong? 
Incorrect open status : The account was charged off by XXXX XXXX in XX/XX/XXXX. XXXX purchased it in XX/XX/XXXX. No new payments or agreements exist. Reporting this as an open account is materially false. 
Wrong default date : They list XX/XX/XXXX as default, but the last usage was XX/XX/XXXX. One of their agents falsely claimed a default date of XXXX XXXX a full year after the account went inactive. 
Fabricated validation : Midland submitted 4 documents ( only 1 showing any activity ) and intentionally withheld 910 additional statements showing no usage. These were uploaded after reporting the tradeline and just before litigation.

Legal pressure : I am being sued on this account, and they are using incorrect credit reporting to pressure or coerce payment while violating FCRA and FDCPA standards.

Contradictory data : The internal documents, statements, and agent notes all contradict each other and the tradeline currently reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I went online trying to find a car, found dreams cars express. Filled out a application in XX/XX/XXXX I was later contacted by XXXX, the process and very quick, I met him in person he came to home with the paperwork for me to sign for a XXXX XXXX XXXX I gave him XXXX for a downpayment. He explain the process to me that my car would be delivered within 7-10 business days.

It was a rough process, I was told when my car arrived I would receive it my car and registration. he had me sign these documents and told me once I finished the car would be ordered. In order for the car to be ordered he gave me a check for XXXXXXXX XXXX XXXX where I opened up an account for a loan. Today is XX/XX/XXXX still haven't received my car, or had any contact with any one from the dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX. I have no idea where the car is I only seen pictures. XXXX gave me a check for the first car payment that I paid. & Never texted me since. I filed a police report twice never got a call back from the police. Nobody ever followed up with me. I filed a report with XXXX XXXX XXXX .. they told me I still have to pay it or it will be charged off on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/year> I received an email from NFCU regarding my telephone number being deactivated by XXXX, it can not be used to receive or send money. I called to check what has happened because I rarely use XXXX and have not ever had an issue sending nor receiving money the few times Ive used XXXX. When I called the number provided, I was transferred over to XXXX which then a representative explained that the sender reported a transaction to their bank. I was confused, didnt understand what was happening because I received money why would that person lie/scam. 

I went on trying to figure things out. My NFCU account was still accessible at this time, no issues. The transactions took place on XX/XX/XXXX and XXXX of 2025. 

Around XX/XX/year> I received another email regarding my number being removed from NFCU XXXX. I tried to access my account but was unsuccessful I spoke directly with NFCU representative asking what happened, and I was informed that one of the four XXXX transactions from the same person were reported as fraudulent. At this time I was sad, hurt, feeling all type of emotions because I couldnt understand why would my account be restricted for something I had no control over, something the person sent but only reported one of the transactions as fraudulent. I was informed that it wasnt anything I can do. I tried reaching out to the person that XXXX the funds. I reached out to NFCU again to speak with a different representative who informed me the amount of what was reported and explained that I could fill out an Appeals form. He actually took the information over the phone and submitted it for me. After the submission, I waited a few days to call back to check status to which I was informed my request to remove the restriction was denied. 

How can someone send several transactions and report only one as fraudulent to their bank and it affected me. This has caused a great deal of stress. I tried reaching out directly to that individual, but I received no response. Ive tried several times to resolve this issue with NFCU but my request continues to be denied for something I have no control over. It is unfair to Restrict my account because someone lied. I do not engage in activities to jeopardize my livelihood. This has caused a great deal of stress. I had direct deposits going into that account. I can only have funds deposited into the account, I can not have funds debited. I can not access my account online, I have to physically go into the branch. My account was Restricted without any notice and NFCU did not make me aware of my account possibly being restricted based on a false claim. My account was restricted without notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX for inaccurate reporting of XXXX XXXXoan interest charges and refusal to correct the issue after multiple attempts to resolve it. 

Specifically, XXXX applied interest during periods when my loan was in approved forbearance, and again while my account was in transition to the SAVE repayment plan, which was delayed due to federal litigation and restructuringcircumstances that were entirely outside of my control. 

Despite contacting XXXX several times, they continue to report inflated interest and balances. I have requested validation under Section 609 of the FCRA, including : A signed copy of my original XXXX XXXX XXXX XXXX XXXX XXXX Chain of custody documentation showing legal servicing transfers Proof of XXXX 's legal authority to furnish and service the loan under federal restructuring A full ledger of all forbearances, deferments, interest accruals, and payments XXXX has failed to provide any of this information or resolve the dispute. The account is being inaccurately reported and may be negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX for inaccurate reporting of student loan interest charges and refusal to correct the issue after multiple attempts to resolve it. 

Specifically, XXXX applied interest during periods when my loan was in approved forbearance, and again while my account was in transition to the SAVE repayment plan, which was delayed due to federal litigation and restructuringcircumstances that were entirely outside of my control. 

Despite contacting XXXX several times, they continue to report inflated interest and balances. I have requested validation under Section 609 of the FCRA, including : A signed copy of my original Master Promissory Note ( MPN ) Chain of custody documentation showing legal servicing transfers Proof of XXXX 's legal authority to furnish and service the loan under federal restructuring A full ledger of all forbearances, deferments, interest accruals, and payments XXXX has failed to provide any of this information or resolve the dispute. The account is being inaccurately reported and may be negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX for inaccurate reporting of XXXX  loan interest charges and refusal to correct the issue after multiple attempts to resolve it. 

Specifically, XXXX applied interest during periods when my loan was in approved forbearance, and again while my account was in transition to the SAVE repayment plan, which was delayed due to federal litigation and restructuringcircumstances that were entirely outside of my control. 

Despite contacting XXXX several times, they continue to report inflated interest and balances. I have requested validation under Section 609 of the FCRA, including : A signed copy of my original Master Promissory Note ( MPN ) Chain of custody documentation showing legal servicing transfers Proof of XXXX 's legal authority to furnish and service the loan under federal restructuring A full ledger of all forbearances, deferments, interest accruals, and payments XXXX has failed to provide any of this information or resolve the dispute. The account is being inaccurately reported and may be negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received a {$500.00} XXXXXXXX XXXX XXXX XXXX from my company. 

I attempted to use the card at multiple vendors online and received a decline on the card each time. When entering the information at vendors, I was required to enter my Name, Card Number, Security Code, Expiration Date and Billing Address. 

I called Amex on XX/XX/year> for more information and the Customer Support individual told me that it was because the vendor didn't require the security code, which it did. I entered it in. He told me to enter the Name, Card Number, Security Code, Expiration Date and Billing Address, which I did. Then I asked if perhaps it was because the Billing Address was incorrect and asked him for the Billing Address on the card. After further holding, he told me there was no billing address and no way to add it. 

After performing some further research, I find out this is a very common problem with these gift cards, and they are basically useless, as they do not have an address associated. 

The card is unusable.

Company response to consumer: Closed with monetary relief