vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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 have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX XXXXXXXX, ACCT # XXXX, along with another account XXXX XXXX XXXX, ACCT # XXXX is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within XXXX business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, detailing the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. I am looking forward to your swift reply, thank you.

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Opened a American Express account and was told it would go under my businesses but was put under my personal now all my business transactions have been reported to my personal credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
equifax is showing us bank last payment as of XX/XX/XXXX. This information is incorrect the last payment was XX/XX/XXXX. This account is to old to be on my report and needs to be removed. I have disputed this several times and they are not doing a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
You all are reporting inaccurate information you all stated that you dont own or purchase debt and you stated that the contract is with the original creditor but in my credit report you all reported that your company eastern account system is the original creditor and that is in accurate by law I the right to have a accurate credit report which it is not please delete this inaccurate information from my credit report immediately or I will be seeking litigation below will be attached the company response also a copy of what is being reported to the credit bureau and the company clearly stated they dont own this debt so my credit report is inaccurate also the company did not provide me with any validation documents of this debt

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 2025-03-09 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: MD

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, CHALLENGEDORNOT.

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 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal abruptly closed my account with no given reason as well as denied my appeal, I used my account responsibly never anything negative and there was literally no reason for my account to be suddenly closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and found multiple inaccurately reported late payments that require immediate correction. These late payments are either unverifiable, incorrect, or legally outdated. 

Accounts with Inaccurate Late Payments : XXXX XXXX Account XXXX XXXX XXXX, XXXX, XXXX These late payments were either : 1. Incorrectly reported despite on-time payments 2. Not properly verified by the data furnisher 3. Beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Applicable Legal Violations & My Consumer Rights : 1. FCRA Section 609 ( 15 U.S.C. 1681g ) I have the right to request full verification of all late payments reported on my credit file. If they can not be fully validated, they must be deleted.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are legally required to ensure complete accuracy in their reporting. Any failure to verify late payments or incorrect reporting is a violation of federal law.

3. FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Late payments older than seven years must be removed. If any of these late payments are beyond the reporting period, they are illegally being reported and must be deleted.

4. FCRA Section 611 ( 15 U.S.C. 1681i ) Credit bureaus must promptly investigate any disputed item. If the late payment can not be verified with full documentation, it must be immediately removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and found multiple inaccurately reported late payments that require immediate correction. These late payments are either unverifiable, incorrect, or legally outdated. 

Accounts with Inaccurate Late Payments : XXXX XXXX Account XXXX XXXX XXXX, XXXX, XXXX These late payments were either : 1. Incorrectly reported despite on-time payments 2. Not properly verified by the data furnisher 3. Beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Applicable Legal Violations & My Consumer Rights : 1. FCRA Section 609 ( 15 U.S.C. 1681g ) I have the right to request full verification of all late payments reported on my credit file. If they can not be fully validated, they must be deleted.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are legally required to ensure complete accuracy in their reporting. Any failure to verify late payments or incorrect reporting is a violation of federal law.

3. FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Late payments older than seven years must be removed. If any of these late payments are beyond the reporting period, they are illegally being reported and must be deleted.

4. FCRA Section 611 ( 15 U.S.C. 1681i ) Credit bureaus must promptly investigate any disputed item. If the late payment can not be verified with full documentation, it must be immediately 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 
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 2025-03-09 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:
experian has failed to fulfill its legi obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: AL

Complaint narrative:
My credit report shows student loan default. I have NEVER agreed to or authorized anyone to obtain any student loans under my name and/or personal information.

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 2025-03-09 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: NJ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and found multiple inaccurately reported late payments that require immediate correction. These late payments are either unverifiable, incorrect, or legally outdated. 

Accounts with Inaccurate Late Payments : XXXX XXXX Account XXXX XXXX XXXX, XXXX, XXXX These late payments were either : 1. Incorrectly reported despite on-time payments 2. Not properly verified by the data furnisher 3. Beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Applicable Legal Violations & My Consumer Rights : 1. FCRA Section 609 ( 15 U.S.C. 1681g ) I have the right to request full verification of all late payments reported on my credit file. If they can not be fully validated, they must be deleted.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are legally required to ensure complete accuracy in their reporting. Any failure to verify late payments or incorrect reporting is a violation of federal law.

3. FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Late payments older than seven years must be removed. If any of these late payments are beyond the reporting period, they are illegally being reported and must be deleted.

4. FCRA Section 611 ( 15 U.S.C. 1681i ) Credit bureaus must promptly investigate any disputed item. If the late payment can not be verified with full documentation, it must be immediately 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 2025-03-09 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account was closed due to a friend that sent me a XXXX filing a false chargeback to try to get the money back that he sent to me and Wells Fargo closed my account due to this which was completely unfair considering XXXX uses its own security measures and codes before authorizing a XXXX transfer as well as I had proof of conversation that the XXXX was in fact authorized but they still proceeded to close my accounts taking the side of someone who was lying.

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 2025-03-09 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: LA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
6-7 phobe calls a day every single day. Some voicemails misrepresenting themselves as lawyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
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, CHALLENGEDORNOT.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE DELETE THIS ACCOUNT ASAP. 
Dear CREDIT BEAURU, I am writing to formally dispute a charge-off listed on my credit report, which I believe is not mine. The charge-off, listed under the account number [ XXXX ], is inaccurately reflecting on my credit history. 

I have reviewed my credit report and have no knowledge of this account or any relationship with the creditor in question. This charge-off does not belong to me, and I request that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or erroneous information removed or corrected on my credit report. I request that you thoroughly investigate this issue and provide me with confirmation that this charge-off will be deleted from my credit history. 

Please provide a written response confirming the removal of this charge-off, and kindly update my credit report to reflect the correct information. 

If necessary, I can provide any supporting documentation to assist in resolving this matter. Please contact me at [ XXXX ] or [ XXXX ] if you need further information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
PLEASE DELETE THIS ACCOUNT ASAP. 
Dear CREDIT BEAURU, I am writing to formally dispute a charge-off listed on my credit report, which I believe is not mine. The charge-off, listed under the account number [ XXXX ], is inaccurately reflecting on my credit history. 

I have reviewed my credit report and have no knowledge of this account or any relationship with the creditor in question. This charge-off does not belong to me, and I request that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or erroneous information removed or corrected on my credit report. I request that you thoroughly investigate this issue and provide me with confirmation that this charge-off will be deleted from my credit history. 

Please provide a written response confirming the removal of this charge-off, and kindly update my credit report to reflect the correct information. 

If necessary, I can provide any supporting documentation to assist in resolving this matter. Please contact me at [ XXXX ] or [ XXXX ] if you need further information. 

Thank you for your prompt 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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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