vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
XXXXI sent a certified letter to Experian on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX   . The letter was delivered to Experian in XXXXTX on XXXX XXXX XXXX XXXX  The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. 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 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 And account number is 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am truly devastated and emotionally affected after finding this negative account on my credit report. I want to make it clear that this account is not mine. I have been a victim of identity theft, and this fraudulent account is severely impacting my life.Listed below are the fraudulent account and unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I got the recent copy of my credit report and noticed multiple inaccurate accounts harming my profile. I have been battling to claim back my life with these errors and they are harming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 got the recent copy of my credit report and noticed multiple inaccurate accounts harming my profile. I have been battling to claim back my life with these errors and they are harming.

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 2025-07-25 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-25 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
The account is reporting a balance of {$10000.00} which exceeds the {$8500.00} limit, and it simultaneously shows a charge-off and a past-due balance, which is not Metro 2 compliant. This is materially misleading and violates FCRA 1681e ( b ). I request the account be corrected or removed based on factual inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-25 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: FL

Complaint narrative:
I am submitting this complaint because XXXX  continues to report inaccurate and possibly unlawful information regarding an account from XXXXXXXX XXXX XXXX  ( XXXX XXXX ). 

The account was opened in XX/XX/XXXX, with the last payment made in XX/XX/XXXX. The account was closed in XX/XX/XXXX, yet XXXX  continues to report a charge-off status and past due balance as of XX/XX/XXXX. 

This pattern suggests possible re-aging, which violates FCRA 605 ( a ) that limits the reporting of negative information to 7 years from the date of first delinquency.

I disputed this account with XXXX  and requested supporting documentation under FCRA 609 ( a ) ( 1 ), but I have not received any proof to validate the charge-off, the balance, or payment history. 

I am requesting that the CFPB ensure that XXXX either fully verifies this account with original documentation or deletes it permanently under FCRA 611 if such verification is not possible.

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 2025-07-25 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: PA

Complaint narrative:
I am disputing these fraudulent accounts and request their deletion from my credit profile within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NJ

Complaint narrative:
29 accounts made in my name. Agent verified my information but wont delete the accounts. I do not have access or recallthe numbers, emails and XXXX  used to create them. Identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I got the recent copy of my credit report and noticed multiple inaccurate accounts harming my profile. I have been battling to claim back my life with these errors and they are harming.

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 2025-07-25 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union locked me out of my HELOC XXXX XX/XX/year>XXXX  and I have been unable to make a mortgage payment. I have now refinanced this mortgage and a called to get a payoff quote and in that quote was interest of {$1300.00}. 
I called Vystar and was told " oh well ''. 

I had attempted to call numerous times between XXXX XXXX and XXXX XX/XX/year>. The only response I received was " you need to refinance your mortgage is closed and you can not make any payments ''. If I can not make payments, it does not make sense how interest can accrue on a loan that is " closed ''. 

I have been unable to make any payments and this entire process has been less than transparent. Per their per diem interest of {$15.00}, the interest should only be {$930.00}. 

Now that I have refinanced this loan and need to pay it off, I do not feel that I should have to pay this interest that have accrued when I could not pay the mortgage and the financial institution has been unable to assist in this matter. 

This is the last of a long line of communication issues. TILA protects us from these types of payments and interest charges. Currently, Vystar is in violation of TILA.

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 2025-07-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XXXXXXXX XXXX XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX -- - Subject : Dispute and Deletion Request under FCRA XXXX XXXX XXXX Account ( Ending in XXXX ) To Whom It May Concern, I am formally disputing the accuracy and reporting of the following account on my Equifax credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. 

Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : Ending in XXXX Status : Closed Reporting Bureau : Equifax I request that Equifax provide full verification of this account, including the original signed contract or documentation bearing my signature, the date of first delinquency, and the name and address of the original creditor. Under FCRA Section 609 ( a ) ( 1 ), I am entitled to receive these records if they are being used to maintain adverse information on my file. 

If this information can not be fully verified within 30 days, or if it is incomplete, outdated, or inaccurate, I request that it be immediately removed from my credit file under FCRA Section 611. Additionally, under FCRA Section 605 ( b ), unverifiable or obsolete information must be removed.

This XXXX account is listed as closed, with no late payments, and appears to no longer represent an active or valid obligation. Therefore, if it can not be verified in full compliance with FCRA requirements, I request its deletion from my Equifax credit report. 

I have enclosed : A copy of my government-issued ID A recent utility bill showing my current address A copy of the Equifax report showing the account in question ( highlighted ) Please respond in writing within the 30-day time frame required by law. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is monitoring Experian account to notify key changes in reports and Experian is offering a product that can remove personal information from the internet, and a product that promises to prevent large scale breach. 
1. Consumer was denied a mortgage for excessive credit inquiries and the decision of the mortgage lender was explained to Experian. Experian instead marketed two more products without consent both products have accessed personal information, XXXX is offering to remove personal information from the internet, XXXX is still monitoring through Experian which gave consent to monitor account, while they are offering a product through XXXX to prevent large scale breach of information. 
XXXX. XXXX will monitor daily, 365 days a year, XXXX XXXX  monitor daily, Experian monitors daily, XXXX XXXX monitors daily, what products prevents this large scale access to information. This is the Breach

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple certified dispute letters to American Express and the credit bureaus disputing false, unverifiable, and damaging tradelines. These letters included formal demands for verification under the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2, 1681g ( e ) and requested Due Process of Adequate Assurance of Performance per Generally Accepted Accounting Principles ( GAAP ), Metro 2 reporting standards, and relevant case law ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The AMEX tradelines report a {$0.00} balance as XXXX, which is materially false. Reports reflect : Conflicting open dates : XX/XX/XXXX and XX/XX/XXXX Conflicting last activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Most recent verification dates : XX/XX/XXXX, XX/XX/XXXX, and still showing in XX/XX/XXXX I explicitly requested : Original signed agreements or contracts XXXX XXXX field data substantiating charge-off Proof of any actual loss or unpaid balance Permissible purpose for furnishing data under 1681b IRS Form XXXX or XXXX XXXX confirming financial basis for charge-off classification AMEX failed to provide any of these. Instead, they sent generic packets of old monthly statementsnot valid evidence under FCRA or GAAP. They did not rebut my notarized requests, violating 15 U.S.C. 1681i ( a ), 1681s-2 ( b ) and 1681g ( e ). Under XXXX XXXX, a {$0.00} balance can not lawfully be marked as a charge-off or collection without supporting legal and accounting documentation. 

I made over XXXX attempts to resolve this. The continued reporting is false, misleading, and injurious, especially since no delinquency exists, the account was paid in full, and no lawful verification or reinvestigation was ever conducted. This ongoing false reporting prevents me from qualifying for a mortgage and is a violation of my federal consumer rights.

Company response to consumer: Closed with explanation