vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to correct inaccurate information reported on my TransUnion credit report. Below are the accounts I am disputing : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Reason for Dispute : I am disputing the balance reported as it is inaccurate and requires verification. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Reason for Dispute : The balance should be reviewed and verified as it appears to be incorrect. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Reason for Dispute : This account shows an incorrect balance that I request to be corrected or verified. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : Please verify the reported balance as I believe it is not accurate. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Reason for Dispute : This account requires verification, as I dispute the reported balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Reason for Dispute : This account should be verified and corrected if the information is inaccurate. 

XXXX  XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : I dispute this account as it is part of a XXXX  XXXX bankruptcy, and the report should reflect this accordingly.

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 2025-11-19 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: MA

Complaint narrative:
Hi my name is XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. * * Pursuant to 15 U.S.C. 1681b ( A ) ( 2 ) * *, I never gave you written instructions to report this on my report so why are you? You are illegally reporting and sharing my personal information without my explicit authorization. * * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it. 

* * Under 18 U.S.C. 8 * *, the term obligation or other security of the United States. I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. 

I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Account Name : XXXXXXXX XXXX XXXX When This Account Opened : Account Balance : {$11000.00}

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 2025-11-19 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: MA

Complaint narrative:
Hi my name is XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. * * Pursuant to 15 U.S.C. 1681b ( A ) ( 2 ) * *, I never gave you written instructions to report this on my report so why are you? You are illegally reporting and sharing my personal information without my explicit authorization. * * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it. 

* * Under 18 U.S.C. 8 * *, the term obligation or other security of the United States. I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. 

I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Account Name : XXXXXXXX XXXX XXXX When This Account Opened : Account Balance : {$11000.00}

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 2025-11-19 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have been a customer with American Express for several years and this month they started treating me poorly as a customer. I opened two credit cards with them and have paid more than the minimum balance and kept my account in good standing the entire time. My Blue Cash rewards card balance was decreased by more than half and I let that slide, they told me it was because the spending on the account was not enough to keep the large balance. I also had the Platinum card which I have been using more because I recently paid off all of my credit cards including the Platinum card in XX/XX/year>. I started receiving notifications this statement cycle asking that I make at least a {$3000.00} payment. One of my contracts was affected by the government shutdown. I was only able to pay {$2100.00} toward the account instead of the {$3500.00} they " suggested '' keep in mind I have never been delinquent on this on any of the accounts that I had with American Express. I think it is a poor way to treat a customer that pays their bills on time and that pays their account in full from time to time. I have since closed my account with American Express and I'd like to ask that the annual fee be waived due to me no longer having the card. I also would like to be put on the do not contact list or preapprovals and advertisments with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I keep getting fraudulent letters in the mail and phone calls from XXXX, also XXXX. They say their supposed company name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Research shows no such company or address exists. They claim to be collecting a debt from a bank account I had over ten years ago, which was erased when I filed for bankruptcy. They refuse to answer any questions but continue to harrass me by calling me with attempts to collect. They use XXXX voice phone and when you call after hours the phone is fully disconnected, no answering machine or message letting you know what company it is. They refuse to send any documents proving their claims and expect me to take their word for it and pay. 
This type of nonsense always happens the last quarter of the fiscal year, when these scammers are desperate to increase their revenue. I would like for them to be tracked, arrested and left rotting in prison.

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 2025-11-19 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-11-19 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:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request to Reblock Fraudulent XXXX XXXX  Account FCRA 605B\nDear Experian Dispute Department, I am writing to formally dispute and request the reblocking of a fraudulent account that was previously removed from my credit report due to identity theft but has since been reinserted. I am a victim of identity theft and did not open, authorize, or benefit from the account listed below. This account was fraudulently created while I was living outside the United States, and I have repeatedly informed Experian that I am retired and have been living abroad since XXXX XXXX. Fraudulent Account Information: Creditor: XXXX XXXX  Account Number: XXXX Status: Charged off XXXX dollars written off, XXXX  dollars past due as of XXXX XXXX Date Opened: XXXX XXXX XXXX Last Payment Date: XXXX XXXX XXXX Contact Info: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inconsistencies Proving Fraud: 1. The account was opened in XXXX XXXX, over eight years after I left the XXXX XXXX XXXX XXXX. I could not have applied for or used this credit card.\n2. The account is listed as both closed and charged off with a past due balance, which is inconsistent and inaccurate. 3. The account history shows Account previously in dispute investigation complete, proving it was already disputed. 4. The account shows less than four months of activity and no payment history, which matches fraudulent use. 5. The balance exceeds the XXXX  dollar limit XXXX percent utilization, another indicator of unauthorized use. Requested Action: Under the Fair Credit Reporting Act 15 USC 1681c2, I request that Experian: 1. Immediately reblock this Capital One account, 2. Provide written confirmation of the reinvestigation results, and 3. Ensure that it is not reinserted unless certified proof verifies the account belongs to me. Supporting Documentation Attached: 1. Copy of my government issued ID 2. Proof of current address 3. FTC Identity Theft Report and police report 4. Copy of Experian reinsertion notice. Please confirm in writing when this fraudulent account has been permanently removed from my credit file. Sincerely, 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 2025-11-19 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I opened my account with Venmo services around the month of XX/XX/year>. I didnt immediately activate the debit card that was sent to me. I tried activating the debit card in XXXX of XXXX once I received my first work deposit. There is no account activity until AFTER I received my first work deposit on XX/XX/year>. At the time I did not have a Venmo issued debit card so in order to obtain the funds I was doing transfers to a debit card to an account I have with XXXXXXXX XXXX A total of XXXX transfers was sent from XXXX for an estimated total of XXXX. They sent me email XX/XX/year> stating my account was on hold until I verified my identification. I sent in my Drivers License for verification on that same day. I received an email on XX/XX/year> stating my account was suspended due to violation of terms. I did nothing illegal or violated their terms. Venmo currently has {$540.00} on hold for up to 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains Credit Card for the account XXXX XXXX XXXX with account number XXXX, which do not accurately reflect my payment history. 
Issue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
XXXX. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.

o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Inquiries : XXXX XXXX XXXX XXXXXXXX Date of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account 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