vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I learned that a fraud alert had been added to my Equifax credit file. I did not authorize or request this alert. Since that time, I have contacted Equifax to request removal of the alert. I have provided all required identity verification documents and followed their stated procedures, yet Equifax has failed to remove the alert. 

This inaccurate fraud alert is causing delays and denials in my credit applications, resulting in financial harm. I am requesting that Equifax promptly remove the fraud alert from my credit file and confirm in writing that it has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened XX/XX/XXXX - Balance $ XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$2000.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance {$19000.00} XXXXXXXX XXXX  XXXX - Opened XX/XX/XXXX - Balance {$900.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance {$2200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$680.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance $ XXXX INQUIRIES : XXXX XXXX XXXX XXXX  P

lease consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 2. Provide written confirmation that these fraudulent items have been blocked and deleted. 3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). Proof of address ( e.g., utility bill ). A signed affidavit of identity theft ( if required ) - And my Social Card. As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ). I trust that this matter will handle promptly and in compliance with federal law. I thank you so much for your immediate attention to this urgent matter. 



XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal double charged me while I was in training causing financial distress that is affecting my personal and professional life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
The following accounts are the product of identity theft, I have reached out to each respective creditor and as of yet they have not removed these accounts from my credit. Please reach out to them on my behalf and resolve this issue. The accounts in question are as follows. XXXX XXXX XXXXXXXX {$450.00} Transunion and Experian, XXXX XXXX XXXX XXXX {$710.00} Transunion and Equifax, XXXX XXXX XXXX XXXX {$1200.00} Transunion and Equifax, XXXX XXXX XXXX XXXX Transunion and Equixfax, XXXX XXXX XXXX {$760.00} Transunion and Experian, XXXX XXXX {$1000.00} Transunion, XXXX XXXX {$150.00} Transunion, XXXX Funding XXXX {$130.00} Transunion, XXXX  XXXX {$720.00} Transunion, XXXX XXXX {$400.00} Transunion, Experian and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
The following accounts are the product of identity theft, I have reached out to each respective creditor and as of yet they have not removed these accounts from my credit. Please reach out to them on my behalf and resolve this issue. The accounts in question are as follows. XXXX XXXX XXXXXXXX {$450.00} Transunion and Experian, XXXX XXXX XXXX XXXX {$710.00} Transunion and Equifax, XXXX XXXX XXXX XXXX {$1200.00} Transunion and Equifax, XXXX XXXX XXXX XXXX Transunion and Equixfax, XXXX XXXX XXXX {$760.00} Transunion and Experian, XXXX XXXX {$1000.00} Transunion, XXXX XXXX {$150.00} Transunion, XXXX Funding XXXX {$130.00} Transunion, XXXX  XXXX {$720.00} Transunion, XXXX XXXX {$400.00} Transunion, Experian and Equifax.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-08-10 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: NY

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The XXXX of Accounts below has violated my XXXX. rotected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts XXXX XXXX XXXX  XXXX XXXX, has violated my rig. XXXX XXXX Investment Retrievers Attached is proof inaccurate information submitted and update to All three bureaus. Report page XXXX of XXXX with the inaccurate information. It state last payment was XXXX XXXX. Company to validate payment made. No payments were made as of XX/XX/XXXX and XXXX wlth the was XXXX XXXX and sold as XXXX XXXX attached. And unpaid registration as of XX/XX/XXXX. The account is beyond XXXX  years delinquency. And information is not accurate. Recieved Experian Credit Report on XX/XX/XXXX and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ). And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information. This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer. 

Attached is proof of date of delinquency after investigation by Equifax Credit Bureau. 

Additionally this company has listed the account under multiple company names va to purpose violate 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( mortgage ) never applied for a mortgage. XXXX XXXX credit several inquiries from this credit union which was not authorized. My purse was stolen from a concert and several credit unions were on my credit report applying for loans. I'm from PA some loans were from New York. FCRA 623 ( a ) 1 ( A ) UCC-9- 611 UCC 9-613

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 2025-08-10 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: GA

Complaint narrative:
The investigation did not fix the negative accounts 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
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
The investigation did not fix the negative accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
THREE ( 3 ) 3 DOCUMENTS ARE ATTACHED WITH FULL DETAILS, SUPPORTING EVIDENCE AND DOCUMENTATION,, DOCUMENT USED BY MERCHANT CASHAPP TO DETERMINE DISPUTE DECLINE AND VIOLATE CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: DISCOVER BANK
State: MA

Complaint narrative:
A while ago, I received a letter from DISCOVER, telling me that it was sold to XXXX  XXXX, but that my credit cards would not be affected, I had 2 DISCOVER credit cards, First they shut down one that was in perfect standing, no missed or late payments, I wrote them, AND XXXX XXXX XXXX AND XXXX letters, stating very clearly that 1, they had ruined my business and my credit rating for no reason at all AND 2, that I am not responsible for any credit cards that I can not use AND 3, for as long as Discover keeps my XXXX card active and does not lower the limit of {$2000.00}, I will continue using it and paying my bills. 
Discover, AND XXXXXXXX XXXX  and XXXX have been charging interest on the cards they closed for my use, they killed my business, they made my credit rating from good/very good into poor, Until yesterday, Discover kept one of my cards active, Then, witout any prior warning, they rejected the charge of {$1.00} from XXXX and less than {$100.00} from XXXX 
My account, as it turned out, though never late and with last payment made a week or so before the due date, was not usalble, Then I received their letter, dated XX/XX/XXXX, but emailed XX/XX/XXXX, telling me that the account is closed, because of the standing of another account, WELL, IN SO FAR AS I AM CONCERNED, XXXX, XXXX, and DISCOVER MUST WRITE OFF MY BALANCES AS OF THE DAYS THEY CANCELLED MY CARDS, INSTEAD OF CHARGING HUGE INTEREST AND FEES AND THEN TELLING ME " charged off '', THERE WILL BE NO PAYMENTS EITaHER TO DISCOVER OR TO XXXX OR TO XXXX XXXX, but there will be law suites for their customer abuse, ruining my business, ruining my credit, etc, as per a XXXX of previous complaints with filed with CPFB and trying to settle the matter with banks, Attached are 1, the Discover misdated letter and 2, the screenshot of my account as of yesterday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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.

Complaint narrative:
My credit report has several inaccuracies that the investigation did not fix

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 2025-08-10 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.

Complaint narrative:
My credit report has several inaccuracies that the investigation did not fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed incorrect information on my credit report related to a store credit card account with XXXX XXXX XXXX XXXX XXXX. The reported balance is inconsistent across credit bureaus one report shows a balance of {$410.00}, while another shows {$0.00}. Additionally, the payment history contains conflicting information : some agencies report multiple late payments, while others show payments made on time for the same periods. The account is closed since XX/XX/year>, but negative information still affects my credit score. I have attempted to verify the accuracy of these details with the creditor but have not received clear confirmation or correction.

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 2025-08-10 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: FL

Complaint narrative:
I noticed incorrect information on my credit report related to a store credit card account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The reported balance is inconsistent across credit bureaus one report shows a balance of {$410.00}, while another shows {$0.00}. Additionally, the payment history contains conflicting information : some agencies report multiple late payments, while others show payments made on time for the same periods. The account is closed since XX/XX/year>, but negative information still affects my credit score. I have attempted to verify the accuracy of these details with the creditor but have not received clear confirmation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
I noticed incorrect information on my credit report related to a store credit card account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The reported balance is inconsistent across credit bureaus one report shows a balance of {$410.00}, while another shows {$0.00}. Additionally, the payment history contains conflicting information : some agencies report multiple late payments, while others show payments made on time for the same periods. The account is closed since XX/XX/2019, but negative information still affects my credit score. I have attempted to verify the accuracy of these details with the creditor but have not received clear confirmation or correction.

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 2025-08-10 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:
XXXX XXXX Subject : Request for Removal of Outdated Personal Information from Credit Report Dear Equifax/Tansunion I am writing to respectfully request the removal of outdated and duplicate personal information from my credit report. The following addresses and phone numbers no longer reflect my current contact details and are no longer valid. 
Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX And the following phone number : ( XXXX ) XXXX My accurate and current contact information is : Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX I have included a copy of my government-issued ID and a recent utility bill to verify my identity and support this request. I appreciate your attention in helping maintain the accuracy of my credit profile. 

Sincerely, 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