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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account 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 2025-04-22 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : US DEPT ED 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 2025-04-22 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: CA

Complaint narrative:
I am filing this complaint due to multiple unresolved credit reporting issues with Equifax. Despite sending five separate dispute letters between XXXX and XXXX, I have not received a satisfactory resolution. 

There are two main issues : Inaccurate Late Payment XXXX XXXX  is showing a late payment reported in XXXX, which is inaccurate. I never made a late payment during that time. I requested the credit bureau to verify this entry and provide documentation proving its accuracy. They failed to respond with any valid verification or remove the inaccurate data. 

At first, I noticed that all three credit bureaus XXXX, Equifax, and XXXX  were reporting different dates for the same alleged missed payment on one of my accounts. 

XXXX  reported the missed payment as occurring in XX/XX/year> Equifax listed it in XX/XX/year> XXXX  showed XX/XX/year> However, I have never missed a payment, and my payment history should be reported as fully on time. 

I submitted a formal dispute with each bureau pointing out this inconsistency and inaccuracy. I did not receive a meaningful response or any documentation confirming that a proper investigation was conducted. 

After that, I sent additional letters highlighting other reporting errors, such as incorrect " Date Last Reported '' entries. Despite providing clear evidence and requesting corrections, the accounts in question were marked as verified as accurate without explanation. 

I then submitted a request for proof of the bureaus investigation and verification process, but I received no documents or supporting information in return. 

At this point, I am seeking assistance to ensure that : The inaccurate late payment history is removed, All incorrect reporting dates are corrected, And that I receive verification and documentation of any investigation that took place. 
Thank you for your help in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

The second issue is incorrect Account XXXX  XXXX XXXX After my account was officially closed, late payments began appearing on my credit report for dates after the closure, which is both inaccurate and misleading. Once I noticed this, I submitted a dispute and formally requested that the account either be corrected or removed entirely from my credit report. However, I did not receive any valid response or resolution. These post-closure late payments are negatively affecting my credit score and should not be reported, as no further payment activity should exist on a closed account. 

I've attached all my disputes letters to Equifax and recipes as a proof that all were sent by usps with certified mails. 
Also I'm attaching screenshots as a proof that I have received no resolution on that matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
My identity got stolen. They started getting credit cards and different addresses on my credit. This needs to be removed. The company would only update the account and it keeps on destroying my credit and its been almost 7 years. They keep sending it to different collection. Agencies is called avant credit card

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: TX

Complaint narrative:
I am formally demanding the immediate removal of this inaccurate and unverified information pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and failure to comply may result in legal action or a formal complaint to federal regulatory authorities XXXX  XXXX XXXX Balance - XXXX  XXXX XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX {$53.00} XXXX  XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX  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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX  that are inaccurate and not properly verified. I have disputed these reports with the credit bureaus and the furnisher but the late payment remains without proper validation or documentation. Under 15 USC1681 S 2 A furnisher must report accurate information under 15 USC 1681 I The credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In 2020, I opened an account with Navy Federal Credit Union. The account was compromised shortly after it was opened, and I have made multiple attempts over the past several years to resolve the issue with their fraud department. Despite visiting branches and calling numerous times, I was denied access to basic information about my account and treated with disrespect and suspicion, as if I was attempting to defraud the institution rather than report legitimate identity theft.

I submitted Navy Federals official Identity Theft Kit two years ago, and I have never received any follow-up or resolution. I also reported that my email and mailing address were compromised, which gave fraudsters full access to the account. I was never able to complete any legitimate transactions myself. Every time I reached out to get a replacement card and initiate a deposit, I was told the account was already being usedby someone who was not me.

I am now dealing with an identity theft case that has affected over 25 financial institutions nationwide, including Navy Federal. I currently have open investigations with the Social Security Administration, the XXXX Treasury, and my local police department regarding this matter. 

Despite this, Navy Federal continues to ask me to dispute transactions I did not authorize or recognize, when I have made it clear that I was never in control of the account to begin with. I am a dependent of a XXXX XXXX recipient, and I have never been able to successfully use or benefit from a Navy Federal account due to this breach. 

After reaching out multiple times and being given the runaround, I eventually stopped contacting Navy Federal because I was emotionally drained from their lack of help, their refusal to act, and the constant redirection between departments.

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: TX

Complaint narrative:
In accordance with FCRA 1681c-2 ( a ), I am submitting this identity theft report and requesting that this information be excluded from all future reports and promptly removed. 

XXXX XXXX XXXX  XXXX Balance - XXXXXXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Balance {$28.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX  XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$170.00}

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 2025-04-22 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:
In accordance with FCRA 1681c-2 ( a ), I am submitting this identity theft report and requesting that this information be excluded from all future reports and promptly removed. 

XXXX XXXX XXXX  XXXX Balance - XXXXXXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Balance {$28.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX  XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$170.00}

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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:
I am writing to formally file a complaint and request your assistance regarding a deeply disappointing and ongoing issue I am facing with the credit reporting agencies. Despite my efforts, my credit file contains inaccurate personal information and several unauthorized credit inquiries that I did not approve, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Incorrect Personal Information My credit file currently reflects outdated and incorrect personal details. I have attempted to update this information with the credit bureaus, but my efforts have not been acknowledged or resolved. 

Please update my records to reflect the following : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I am requesting the removal of all inaccurate, outdated, or unverified addresses, names, or other identifying data that do not pertain to me. 

1.XXXX XXXX 2XXXX XXXX 2. Unauthorized Credit Inquiries Furthermore, my credit report lists multiple inquiries that I did not authorize. Under FCRA 604, a consumer reporting agency may only provide a credit report with a permissible purpose. The following inquiries do not meet that standard and were not initiated by me : 1.XXXX - XX/XX/XXXX I demand a full reinvestigation and written verification of the permissible purpose for each inquiry listed. If the agencies are unable to provide legal justification, I respectfully request the immediate removal of these entries.

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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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

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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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

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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX * * * * * * Balance Owed : {$420.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$3800.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX * * * * * Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00}  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}  XXXX XXXX XXXX XXXX * * * Balance Owed : {$1000.00}

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: NV

Complaint narrative:
This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX * * * * * * Balance Owed : {$420.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$3800.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX * * * * * Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00}  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}  XXXX XXXX XXXX XXXX * * * Balance Owed : {$1000.00}

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
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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint title : dispute and request for update of personal information. 

I am submitting this complaint against Experian Information Solutions , Inc., regarding inaccuracies in my personal information as reported in my credit report. 

Details of the dispute : 1.- Incorrect Name : My current legal name is XXXX XXXX , but it is incorrectly listed as XXXX XXXX XXXX and also known as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2.- Date of Birth. My correct date of birth is XX/XX/XXXX, XXXX but it is incorrectly listed as XXXX. I respectfully request that this date be fully reflected in my credit report, including the month, day and year as indicated above Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my Social Security displaying my correct name. 
A copy of my drivers license displaying my current date of birth. 
.

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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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 XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation