vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-17 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: NC

Complaint narrative:
I am formally requesting the immediate investigation and removal of the following inaccurate, outdated, and unauthorized information from my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal laws. 

1. Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and therefore violate 15 U.S.C. 1681b ( c ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and do not meet the permissible purpose requirements under 1681b ( c ) ( 1 ).

2. False Collection Accounts Violation of 15 U.S.C. 1681e ( b ) The following accounts are falsely reporting and contain inaccurate information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These accounts are either unverifiable or reported inaccurately, in violation of your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

3. Medical Bills Violation of 15 U.S.C. 1681c ( a ) ( 4 ) You are reporting outdated or unverifiable medical debts, which may not be reported without proper verification and notice. These must be removed in accordance with 15 U.S.C. 1681c ( a ) ( 4 ) and recent updates to how medical debts are handled under the FCRA. 

4. Outdated Account Violation of 15 U.S.C. 1681c ( a ) ( 4 ) The account with XXXX XXXX is over XXXX XXXX XXXX  and should no longer be on my credit report. This account exceeds the seven-year reporting limit set by 15 U.S.C. 1681c ( a ) ( 4 ) and must be deleted immediately.

5. Bankruptcy Reporting Violation of Time Limits and Misuse of Federal Identification I am also requesting the removal of a XXXX XXXX bankruptcy that is over 10 years old. This exceeds the reporting limit allowed under 15 U.S.C. 1681c ( a ) ( 1 ). Additionally, continued reporting of this expired bankruptcy may violate protections against the misuse of personal identifying information under 18 U.S.C. 1028A ( Aggravated Identity Theft ), particularly if inaccurate or mismatched identifiers are used in its continued reporting.

I request the following actions be taken immediately : Deletion of all unauthorized and inaccurate hard inquiries Removal of invalid and unverifiable collection accounts Deletion of outdated medical debt and the State Employees account Removal of the outdated bankruptcy Please complete your investigation and provide a full written response within the 30-day period required by law. If no validation or verification can be provided, the disputed items must be deleted in compliance with the FCRA. 

This for all three company Trans union, Equifax and Experian

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently viewed a copy of my credit report and I did notice several inaccuracies and unauthorized accounts information reporting to my credit report. These inaccurate remarks have affected my life and the health of my credit detrimentally.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy federal made an erroneous determination to deny my claim pertaining a disputed unauthorized or fraudulent transaction which doesnt seem to make sense when considering the circumstances and facts surrounding my dispute. The response and reasoning for denial can not be understood and lead to no legal conclusion of fact that I did in fact make the charge. I filed a dispute against XXXX on XX/XX/year>. I clearly stated that I did not make the charge and that I did not provide my debit card information to XXXX! I also stated that I did not have any option to cancel the charge from the merchant on the website. I had to send the company a message on their website and wait for someone to contact me regarding the unauthorized or fraudulent transaction. A company representative contacted me a few days later and said that they would not provide me a full refund pursuant to the disputed charge. I demanded that they cancel the charge or I would dispute it with my bank. The company did not cancel the charge so I disputed the charge with Navy Federal. 
I provided Navy Federal with all documentary evidence of the claim including proof that I requested the company cancel the unauthorized or fraudulent transaction and refund my money. 
On XX/XX/year> I received a electronic notification from Navy federal stating the following : We've determined that the charge was valid for the following reason : We did not find any record that the purchase was canceled or that your cancellation resulted in a refund. 
If the cancellation resulted in a refund there would have been no reason to file a dispute. Additionally, the merchant failed to provide me with any record of cancellation. This is why I disputed the charge! [ emphasis added ] The absence of evidence is not evidence! I did however provide Navy federal with proof that I requested the cancellation and a refund. The charge was not valid. I did not benefit from the transaction and the determination was made without any consideration of the facts surrounding my claim as a Member of Navy Federal credit Union. 

As, beneficiary and a member of Navy Federal Credit Union, which guarantees, pursuant to the accepted terms and conditions or contract agreement, that Navy Federal would properly and sufficiently service the account of its members which include the account of XXXX XXXX XXXX. I, XXXX XXXX XXXX, am hereby PROTESTING and APPEALING Navy Federal 's determination or decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
Honda Financial marked my payment for {$590.00} as late on XXXX, XXXXXXXX XXXX 


In accordance to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 specifically section 602, states that I have the right to privacy. Under 15 USC 1681, specifically section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B, a creditor must not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXX/XX/XXXXXXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-16 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Company have been reporting monthly on my report after charge off with is causing a effect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I paid my American Express credit card in full based on the full balance shown on my statement. After I submitted payment, American Express charged me a {$14.00} transfer fee which was not previously disclosed. They then reported this balance to the credit bureau, which negatively impacted my credit score. 

I was informed by American Express that they report to the credit bureaus on the XXXX of each month, but my report shows that they reported on XX/XX/XXXX, a full week earlier. This discrepancy resulted in a balance being reported that I was not aware existed. 

Additionally, a {$45.00} autopayment was withdrawn from my account after my full balance payment, yet instead of showing a credit or XXXX balance, the {$14.00} balance remained and was reported. These practices are deceptive and have financial consequences. 

I request an investigation, correction of the inaccurate balance reported to the credit bureaus, reimbursement or credit of the {$14.00}, and a detailed explanation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2025-05-17 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TN

Complaint narrative:
I am filing this complaint because the credit bureaus ( TransUnion, Experian, and Equifax ) are each reporting the same accounts differently. Some show 30-day late payments, while others show the accounts as current or report different balances and dates. These inconsistencies are harmful to my credit and violate the Fair Credit Reporting Act 607 ( b ), which requires all information to be accurate and consistent. 

Additionally, my personal information has been leaked on the dark web, which increases the risk of identity theft and account mix-ups. Ive already submitted disputes requesting that only my verified name ( XXXX XXXX XXXX ), current address ( XXXX XXXX, XXXX, TN XXXX ), and XXXX status be listed. Despite this, accounts with different name variations are still showing, which may contribute to these reporting errors. 

This is not just a matter of correcting mistakes this is a pattern of negligence that causes serious damage to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
Help me there are many fraudulent accounts and addressess that don't belong to me, I am a victim of identity theft and there are many fraudulent things appearing on my credit report its hurting my credit and I can not apply for a new car at the dealership. I need this to be removed so I can get a car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX/LEAD BA # XXXX XX/XX/XXXX -- {$0.00} XXXX AUTO XXXX XXXX XX/XX/XXXX -- {$0.00}

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation