vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX2025 TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXXXXXX Account Number : XXXX Balance : {$2000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX  '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy.

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B(a) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with (1) appropriate proof of the identity of the consumer; (2) a copy of an identity theft report; (3) the identification of such information by the consumer; and (4) a statement by the consumer that the information is not relating to any transaction by the consumer. Please delete the following: \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Balance: XXXX XXXX XXXX Balance:        $0.00\nXXXX XXXX XXXX  Balance:        $0.00 \nXXXX XXXX Balance:        $0.00\nXXXX XXXX Balance: XXXX XXXX  XXXX Balance: XXXX XXXXXXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tBalanceXXXX XXXX XXXX Balance: 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 2025-04-22 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:
b'This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B(a) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with (1) appropriate proof of the identity of the consumer; (2) a copy of an identity theft report; (3) the identification of such information by the consumer; and (4) a statement by the consumer that the information is not relating to any transaction by the consumer. Please delete the following: \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Balance: XXXX XXXX XXXX Balance:        $0.00\nXXXX XXXX XXXX  Balance:        $0.00 \nXXXX XXXX Balance:        $0.00\nXXXX XXXX Balance: XXXX XXXX  XXXX Balance: XXXX XXXXXXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tBalanceXXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was a victim of identity theft my information was used to open accounts. I contacted the creditors to pay off the debts. The debt has been paid. It is still reporting inaccurate information on my credit report after being paid and closed it is still being reported negatively. It was not opened by me but I paid off the account or the account has been paid and closed still reporting negatively on my credit report with Experian and other credit reports.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was a victim of identity theft my information was used to open accounts. I contacted the creditors to pay off the debts. The debt has been paid. It is still reporting inaccurate information on my credit report after being paid and closed it is still being reported negatively. It was not opened by me but I paid off the account or the account has been paid and closed still reporting negatively on my credit report with Experian and other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB, I am filing a complaint against American Express regarding the abrupt closure of my account, the forfeiture of approximately XXXX Membership Rewards points ( valued around {$6000.00} ), and unfair treatment related to my annual fee. 

American Express closed my account without prior notice, based only on a vague claim of " indicia of misuse '' without providing any specific evidence. I applied for the card through their official website, and all my card usage was legitimate and fully compliant with their terms. I did not engage in any misuse, fraud, or illegal activity. 

In addition, I had paid the full annual fee but was only able to use the account for about four months before it was closed. Despite multiple attempts to seek clarification, American Express refused to offer any transparency or refund. 

I am requesting that American Express ( 1 ) provide a detailed explanation and evidence justifying their actions, ( 2 ) reinstate my Membership Rewards points or provide equivalent compensation, and ( 3 ) refund the proportionate amount of my annual fee. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LendingPoint Holdings LLC
State: IN

Complaint narrative:
I discovered an account from XXXX  being reported on my credit report as a closed, unpaid debt. I do not recognize this account, and I have never applied for or taken out a loan with XXXX. The account is dated from XXXX. 

I believe this may be an error or the result of identity theft. I have not received any prior notice from XXXX or any collection agency regarding this debt, nor have I signed any agreement with them. 

On XX/XX/XXXX, I submitted a debt validation request to the collection agency asking for verification of the debt. As of today, I have not received proper documentation validating the debt, such as a signed agreement or proof of the original creditor. 

I am requesting a full investigation and the removal of this account from my credit report, as it is negatively impacting my XXXX XXXX and appears to be reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I am writing to formally dispute inaccurate and fraudulent information on my credit report, which I believe resulted from the XXXX  data breach. Despite my previous efforts to resolve these inaccuracies, I have found that identity theft-related activity remain on my credit report. 
According to XXXX, my personal information was compromised in their XXXX  data breach, exposing my sensitive details to potential fraudsters. As a result, I have experienced financial harm, including unauthorized accounts and incorrect negative marks on my credit report. Despite my previous disputes, I have not seen a proper investigation or removal of these inaccuracies, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Inaccurate Items in Dispute : XXXX XXXX XXXX Account # XXXX This account was fraudulently opened without my authorization. 
XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX This account was fraudulently opened without my authorization. 
Requested Action : Conduct a proper reinvestigation as required by law. 
Remove or correct the inaccurate information on my credit report. 
Provide me with an updated copy of my credit report reflecting these corrections. 
Disclose the sources of information used to verify the disputed account and also HOW WAS MY IDENTITY VERIFED AT THE TIME THE ACCOUNT WERE OPEN!!! 
Enclosed are supporting documents, photo of driver license, social security card, identity report, credit report, and my engagement number XXXX for XXXX  data breach, which substantiate my claim. Under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate and respond to this dispute within 30 days. If you fail to correct these errors, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action if necessary. 
I expect your prompt attention to this matter and a written response confirming the removal or correction of these inaccuracies. You may contact me at the details above if further information is required.

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 2025-04-22 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance {$2400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance {$1000.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX * * * * Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$2700.00} XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance {$620.00} XXXX XXXX XXXX XXXX/XXXX/2024

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 2025-04-22 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: NV

Complaint narrative:
Obtaining information under pretenses 15 U.S.C. 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, XXXX XXXX Code, imprisoned for not more than 2 years, or both.

Unauthorized disclosures by officers or employees 15 U.S.C.1681r Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under the title 18, XXXX XXXX Code, imprisoned for not more than 2 years, or both.

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 2025-04-22 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: NV

Complaint narrative:
Obtaining information under pretenses 15 U.S.C. 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, XXXX XXXX Code, imprisoned for not more than 2 years, or both.

Unauthorized disclosures by officers or employees 15 U.S.C.1681r Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under the title 18, XXXX XXXX Code, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-22 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX. Account XXXX : XXXX, Account XXXX : XXXX * * * * Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX. Account XXXX : XXXX, Account XXXX : XXXX * * * * Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/XXXX i got an email from navy federal saying my account has suspicious activity i called them and they said my account was being closed due to some funds that were sent me had been fraudulent had no knowledge they were fraudulent until told so they said at first i couldnt appeal it then i spoke to the supervisor and he let me submit the appeal. The next morning a detective acted me stating criminal charges were being filed on me by the person that XXXX  i didnt personally know them but apparently it wasnt them who sent it. i apologize to the person and proceed to XXXX them the money from person account at another due to fact the money that was XXXX to me was already gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AL

Complaint narrative:
I requested the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) that states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. I requested this information from experian multiple times and each time they failed to provide me with verifiable proof of these accounts. 


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 2025-04-22 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: TX

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following account listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following account listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}

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 non-monetary relief