vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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 dispute several inaccurate and fraudulent items on my credit reports that have caused me significant distress and damage to my creditworthiness. After careful review, I found that certain accounts and addresses appearing on my credit file do not belong to me, and I believe these errors stem from mistaken identity or mixed files due to similarities in name and address with other individuals. 

The first disputed account is XXXX ( Account ending XXXX ) with a reported balance of {$830.00}. I have never applied for, used, or had any relationship with this creditor. To my knowledge, this account was incorrectly listed as a charge-off or profit/loss write-off. According to IRS rules, if any debt forgiven exceeds {$600.00}, a 1099-C form must be issued to the debtor for tax purposes. I never received such a form, which strongly indicates this debt was never mine. Keeping such inaccurate information on my credit report violates the Fair Credit Reporting Acts provisions for accuracy and identity theft protection ( FCRA 1681e ( b ) and 605B ). This account has since been removed from both TransUnion and Experian, confirming the legitimacy of my claim. 

The second account, XXXX ( Account XXXX XXXX ) with a {$0.00} balance, was also fraudulently associated with my credit profile. Despite having no knowledge or authorization of this account, it was listed and negatively affected my creditworthiness. After investigation, TransUnion and Experian both removed this inaccurate account. 

Similarly, the XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tradeline with a balance of {$160.00} was never opened or authorized by me. This account appeared due to erroneous data matching, likely caused by identity confusion. Its removal by both TransUnion and Experian supports the fact that it was not mine. 

In addition to these erroneous accounts, I have noticed several addresses linked to my credit profile that I have never lived at, which have likely contributed to the inaccurate reporting of these accounts. These addresses include 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 XXXXXXXX I am certain these addresses belong to other individuals and should not be associated with my credit file. 

The combination of these inaccurate accounts and addresses has caused unwarranted harm to my credit reputation, limiting my ability to secure fair credit opportunities. I respectfully request that these fraudulent accounts and inaccurate personal information be permanently blocked from my credit reports and prevented from reappearing unless valid, documented proof of my connection to them is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-04 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-04 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I am requesting an immediate investigation and removal of the inquiries listed below. These were not initiated or authorized by me either verbally or in writing. 

Please note that I am not disputing the inquiry from XXXX XXXX, as that is a valid and open account. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604, a consumer reporting agency may only include inquiries on a credit report if there is a permissible purpose and proper authorization. Since I did not give permission for the inquiries below, they must be deleted from my file. 

Inquiries to Be Removed : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX To support this request, I am including my official FTC Identity Theft Report. The reference number for my FTC report is : XXXX. 

I expect a formal investigation and removal of these inquiries within the legally required timeframe. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) continues to claim I owe a {$2100.00} debt but has never produced the original signed contract or account-level proof despite multiple formal requests in court and direct communications. 

On XX/XX/year> the Maryland district court vacated the judgment against me under Rule 3-611 due to improper service, meaning there is no current enforceable judgment. Despite this, PRA has not provided documentation to establish ownership or my obligation. 

PRAs business records consist only of a generic Bill of Sale and asset schedule that does not reference account-level information that would conclusively prove the debt being mine. 

Under CFPB Consent Order 2015-CFPB-0023 and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), PRA is required to provide the original contract or account-level validation upon dispute and must pause collection activity until it does so. 

I have specifically requested the original contract and proof of ownership multiple times in federal and state court filings ( most recently on XX/XX/year> ). PRA has never produced these documents or properly validated the debt. 

This ongoing failure causes harm and uncertainty, as I can not verify whether the debt is even mine or owed to PRA, yet the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately. 

Under the FCRA, you are legally required to investigate these disputes within 30 days. Due to the damaging and incorrect nature of these accounts, I am demanding removal within XXXX hours. Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Legal action for willful noncompliance with federal credit laws Damages for emotional distress and denied opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was the victim of a spoofing scam in which a caller impersonated Navy Federal Credit Union ( NFCU ). The call appeared to come from a legitimate NFCU number, and the caller claimed there was suspicious activity on my account. I was instructed to transfer funds to what I was told were secure, temporary accounts via XXXX XXXX. I was scammed out of XXXX. XXXX transactions of XXXX + XXXX XXXX fees. So, the total was XXXX I realized the scam the following day and immediately contacted Navy Federal while the transactions were still pending. I requested that the transfers be reversed and opened a fraud dispute. 

Despite my prompt report and the fact that the transactions were unauthorized, Navy Federal denied my claim, stating that no error occurred. They failed to stop the transactions or conduct a meaningful investigation. I also filed an FTC Identity Theft report as part of my effort to resolve the matter. 

I am currently in the process of filing a police report ; I am out of state and plan to complete the report in person upon my return. 

I am requesting that the CFPB investigate Navy Federals handling of this fraud claim, including potential violations of Regulation E, and their failure to assist a consumer victimized by a spoofing-based scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Entries for late payments appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 writing to formally dispute inaccurate information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently reviewed my credit report and discovered an account that I believe is inaccurate, incomplete, or not verifiable. The account in question is : - Creditor/Company Name : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX - Issue : This account is inaccurately reported. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any item on my credit report that I believe is inaccurate. Both the credit reporting agency and the furnisher of this information are required by law to conduct a reasonable investigation and respond to my dispute within 30 days. 

I have already attempted to resolve this matter directly with the credit bureau and/or the furnisher, but I have not received a satisfactory response or resolution. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Open an investigation into this matter.

2. Ensure that the credit reporting agency and XXXX XXXX conduct a reasonable reinvestigation. 
3. Remove or correct this inaccurate or unverifiable information as required under FCRA. 

Attached to this submission : - A copy of my government-issued ID Please confirm receipt of this dispute and inform me of the outcome of your investigation. Thank you for your attention to this matter and for helping protect the accuracy and integrity of consumer credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently reviewed my credit report and discovered an account that I believe is inaccurate, incomplete, or not verifiable. The account in question is : - Creditor/Company Name : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX - Issue : This account is inaccurately reported. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any item on my credit report that I believe is inaccurate. Both the credit reporting agency and the furnisher of this information are required by law to conduct a reasonable investigation and respond to my dispute within 30 days. 

I have already attempted to resolve this matter directly with the credit bureau and/or the furnisher, but I have not received a satisfactory response or resolution. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Open an investigation into this matter.

2. Ensure that the credit reporting agency and XXXX XXXX conduct a reasonable reinvestigation. 
3. Remove or correct this inaccurate or unverifiable information as required under FCRA. 

Attached to this submission : - A copy of my government-issued ID Please confirm receipt of this dispute and inform me of the outcome of your investigation. Thank you for your attention to this matter and for helping protect the accuracy and integrity of consumer credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Entries for late payments appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 2025-08-04 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: IL

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 2025-08-04 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Entries for late payments appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 2025-08-04 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:
b'XXXX XXXX  \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX) XXXX \n\n Date: XXXX XXXX XXXX XXXX XXXX \n\nI am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act (FCRA) related to the reinsertion of previously deleted information in my credit report. Section 611(B) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. \n\nBackground On [deletion date], the following information was removed from my credit report: \n\n XXXX XXXX  Account Number: XXXX                \n\nXXXX XXXX XXXX XXXX Account Number: XXXX \n\n  \n\nRecently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. \n\nSpecific Violations According to Section 611(B) of the FCRA, any reinsertion of deleted information must be accompanied by:  Written notification to the consumer within five business days of the reinsertion.  Certification from the information provider indicating that the information is complete and accurate. In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA. \n\nRequest for Immediate Action I kindly request that you:  Immediately remove the reinserted information from my credit report.  Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.  Take necessary measures to prevent future improper reinsertions. Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau (CFPB) and consider other legal actions if this situation is not adequately and promptly addressed.'

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had an account with Citibank, and XXXX XXXX, a debt reorganization company, called Citibank to negotiate a settlement with them for the remaining balance on the account. 
This happened on XX/XX/year>. 
Citibank said that they were withdrawing the account from their records because the account was too old. 
XXXX put a statement on my profile stating that Citibank has withdrawn the account, and was not going to collect the balance.

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