vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/year>, after experiencing a loss of income, I proactively reached out to American Express numerous times to discuss a payment plan. Despite my repeated efforts, I was told by multiple representatives that I was not eligible for a payment plan. Each time I called, I was met with rude, derogatory remarks that left me feeling humiliated and ashamed that I could not pay the minimum payment due. The only solution they offered was to demand the full minimum payment, which I had already explained I was unable to make due to my financial hardship. 

In good faith, I sought help through XXXX XXXX XXXX ( XXXX ), a debt management company, to establish a structured repayment plan. American Express initially rejected the proposed plan twice, even though I remained in communication with them and was actively trying to resolve my account. During this time, American Express refused to accept any payment from me that was less than the minimum due. This left me with no choice but to close my accounts. Despite my continued attempts to work with them, I was further humiliated during my calls and offered no assistance. 

Finally, in XX/XX/year>, American Express accepted the payment plan through XXXX. Under this agreement, they will receive the full amount of the debt over 60 months at a reduced interest rate. Importantly, the debt has not been reduced or charged off American Express will be repaid in full. However, I was not informed until after the plan was accepted that they would continue to report my account as 90 days late until the past due balance was paid in full, even though they agreed to the repayment terms and are now receiving payments as scheduled. 

I am currently making all required payments under the XXXX plan, yet American Express continues to report my account as 90 days late. This is misleading and damaging, as it suggests I am not meeting my obligations when in fact I am paying as agreed. I have disputed this with the credit reporting agencies and have contacted American Express repeatedly. The phone number they provided for my case ( XXXX ) has been especially problematic when I call, the representatives often pretend they can not hear me. They remain silent while I am speaking, and as soon as I stop, they suddenly respond saying, I cant hear you, are you still there? This feels intentional and obstructive. 

I respectfully request that American Express remove the negative reporting from my credit file and update my account to show that it is being paid as agreed under the accepted repayment plan. I acted responsibly and in good faith by proactively seeking a solution, and American Express is being repaid in full. Their refusal to accurately report my account status is unfair, misleading, and a violation of consumer credit reporting protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dispute the reporting of particular accounts that lack my authorization. Please undertake an exhaustive review and delete these entries from my credit profile. Relevant evidence has been provided.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my latest credit report and noticed multiple inaccurate accounts that do not belong to me and I am disputing and removing them to the highest ability

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$410.00} XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was stolen and an account was fraudulently opened with XXXX XXXX. I have disputed this account multiple times directly with XXXX XXXX and with the credit reporting agencies. I also filed a police report and provided a copy of that police report, along with an identity theft affidavit, to both XXXX XXXX and the credit bureaus. 

Despite providing this documentation, XXXX XXXX has continued to report this fraudulent account, and the credit bureaus have not removed it from my credit file. I have not received any additional guidance or steps from XXXX XXXX regarding how to resolve this matter. 

This ongoing reporting is a violation of the * * Fair Credit Reporting Act ( FCRA ) 605B and 623 * *, which requires furnishers and credit bureaus to block and remove accounts resulting from identity theft once proper documentation has been provided.

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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX, I : XXXX XXXX XXXX submitted a written dispute to Navy Federal Credit Union through certified mail # XXXX requesting documentary proof for lawful ownership of debt regarding two accounts, XXXX and XXXX. In my letter, I specifically requested : * Proof of a valid contract showing a meeting of the minds, * Proof of the valuable consideration that Navy Federal provided, * GAAP-compliant accounting of all debits and credits from inception, * Signed contracts bearing both my autograph and Navy Federal 's signature, * Documentation of assignments, transfers, and endorsements showing legal ownership, * Proof of whether the accounts were securitized or pledged as collateral, * Identification of the true holder in due course and * Proof of jurisdiction. Additionally, I would also like proof showing that the promissory notes were not deposited. 
On XXXX I received a response from Navy Federal by express mail but the credit union failed to provide any of the requested documents. Instead, their reply was non-substantive and did not demonstrate lawful ownership, chain of custody, or accounting evidence for the debts in question. A failure to provide the requested documentation within the allotted time frame will thereby enter Navy Federal into tacit agreement by silence ( acquiescence ) and confirm they have no lawful standing, perfected security interest, or ownership claim concerning the debts of the said two listed accounts. Nonetheless, if Navy Federal continues to report and collect on these accounts without providing proper validation or proof of ownership will constitute : * A failure to properly investigate and validate as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681i ), * Potential violations under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), * Possible violations of mail and wire fraud statutes if knowingly misrepresenting ownership, * Breach of fiduciary duty and misrepresentation if the accounts were securitized and sold to investors and * Continued reporting of unverifiable and inaccurate information, causing mental anguish, duress, financial and reputational harm. As a result, if Navy Federal can not provide complete documentary evidence of ownership and validation of the disputed accounts as outlined above within fifteen ( 15 ) days, Navy Federal immediately should cease reporting, collecting, or attempting to enforce these accounts, and delete the related tradelines from my credit file. : XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, XXXX, and Experian for ( Account Name XXXX XXXX XXXX XXXX ) ( Account # XXXX ) [ Specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax, Experian, TransUnion, XXXX, and the Bankruptcy Court responsible for furnishing inaccurate public record data.

I was the victim of identity theft, which resulted in the unauthorized opening of a XXXX XXXX  credit account and a XXXX XXXX credit card XXXX both of which now appear as derogatory accounts on my credit reports. I have already submitted an FTC Identity Theft Report, and I never authorized these accounts, nor did I receive goods or services from either creditor. 

In addition, my credit reports are also showing a bankruptcy public record, which I never filed. I have no record of any bankruptcy case filed under my name. This appears to be a serious case of either identity misuse or a data furnishing error by XXXX or the Bankruptcy Court, which is being reported to the credit bureaus and harming my credit. 

I have disputed all three issues with the credit reporting agencies, and submitted my FTC Identity Theft Report as required by 15 U.S.C. 1681g and 1681i. However, they have failed to correct or delete the fraudulent and inaccurate entries in a timely manner. 

The credit bureaus and XXXX are in violation of the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 Consumer Financial Protection Act 12 U.S.C. 5531 FTC Act 15 U.S.C. 45 ( a ), prohibiting unfair or deceptive practices I demand that the CFPB : 1. Investigate all five companies listed above for failure to reasonably investigate and correct inaccurate and fraudulent data.

2. Order the permanent deletion of the XXXX and XXXX XXXX accounts from all three credit reports.

3. Order the immediate removal of the false bankruptcy record from XXXX, Equifax, Experian, and TransUnion. 
4. Enforce compliance with the FCRA and CPFA regarding consumer disputes and identity theft protections.

I am submitting my FTC Identity Theft Report, and dispute correspondence as supporting documentation.

Company response to consumer: Closed with explanation