vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-22 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00}

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
Account Number ( Partial ) : XXXX This account is over XXXX XXXX XXXX and should no longer be reporting. 
It has already been removed from both TransUnion and Experian. 
Please investigate and remove it from my Equifax report as required by FCRA guidelines. 
XXXX Account Number ( Partial ) : XXXX This account is also over XXXX XXXX XXXX. 
Per FCRA regulations, negative accounts older than 7 years should be deleted. 
I request its immediate removal from my Equifax credit file. 
XXXX XXXX XXXX Account Number ( Partial ) : XXXX I previously issued a cease and desist request to this company. 
This account has been deleted from both XXXX  and XXXX as a result. 
It remains on my Equifax report in error. Please remove it accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
IM REQUESTING Arbitration AGREEMENT FROM EACH CREDIT BUREAUS EQUIFAX, TRANSUNION, AND EXPERIAN. ATTACHMENTS OF EACH CREDIT REPORT SHOWING THE INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAS BEEN DISPUTED MANY OF TIMES NOW I HAVE THE PROOF OF THE VIOLATIONS DONE BY THE CREDIT BUREAUS RECORDS OF THE CFPB DISPUTING THESE ACCOUNT ALSO, THE CREDITORS VIOLATION OF THE DISPUTED INFORMATION BLAMING THE CREDIT BUREAUS. I HAVE ALL THE PROOF THAT THE CREDIT BUREAUS AND CREDITORS OF THESE ACCOUNTS VIOLATED MY CONSUMER RIGHTS

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
IM REQUESTING Arbitration AGREEMENT FROM EACH CREDIT BUREAUS EQUIFAX, TRANSUNION, AND EXPERIAN. ATTACHMENTS OF EACH CREDIT REPORT SHOWING THE INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAS BEEN DISPUTED MANY OF TIMES NOW I HAVE THE PROOF OF THE VIOLATIONS DONE BY THE CREDIT BUREAUS RECORDS OF THE CFPB DISPUTING THESE ACCOUNT ALSO, THE CREDITORS VIOLATION OF THE DISPUTED INFORMATION BLAMING THE CREDIT BUREAUS. I HAVE ALL THE PROOF THAT THE CREDIT BUREAUS AND CREDITORS OF THESE ACCOUNTS VIOLATED MY CONSUMER RIGHTS

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bank with chase. I transferred money from my savings to my checking account and did not receive the money in my checking account. When I called I was told the money went to a different account of mine which is impossible because I have no other account. ChasXXXX is the only account I have open. They told me theres nothing they can do and they cant put a dispute in to get my money back. I can not afford to lose this money right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and realized there was fraudulent activity on it

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 2025-09-22 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX - XX/XX/2025 As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute of fraudulent accounts that have been wrongfully included in my credit history. I did not open, authorize, or in any way approve these accounts. Their reporting is not only inaccurate but also harmful, as it creates a false narrative of my financial conduct and damages my credit profile. These accounts are clearly the result of fraud or reporting errors and must be addressed without delay.

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 2025-09-22 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Subject : Formal Dispute of Fraudulent Account Navy Federal Credit Union Account # XXXX Greeting to everyone, I am writing to formally dispute the Navy Federal Credit Union account that is being reported on my credit file. I previously disputed this account, and Navy Federal Credit Union has since responded in writing and stated that there is fraud associated with this account. 

Because the creditor themselves has confirmed fraud, this account is not valid, not authorized by me, and must not be included in my consumer credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), you are required to conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I demand that this fraudulent Navy Federal Credit Union account be immediately deleted from my credit report. Please provide me with a written confirmation once this deletion has been completed. 

Attached are copies of any supporting documentation, including the correspondence from Navy Federal Credit Union acknowledging the fraud. 

Thank you for your prompt attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: OK

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am disputing a charge from XXXX ( {$1500.00}, reference XXXX ) for hotel services that were never provided. I never checked in to the hotel, and I provided American Express with multiple pieces of supporting evidence, including : Confirmation emails from XX/XX/XXXX that I did not check in. 
XX/XX/XXXXscreenshots showing the reservation was canceled. 
Proof that the rooms remained available for resale on the stay dates. 
Parallel evidence from another dispute ( XXXX ) with the same hotel, dates, and terms, which American Express resolved in my favor and refunded. 
Despite this, American Express denied dispute XXXX, citing only the merchants cancellation policy. This is inconsistent, because the other dispute was credited even though the circumstances were identical. 
I specifically requested from American Express explanation justifying the charge, including proof of services provided and the rationale for denying my refund despite no stay and available resale of the rooms. Instead, they only repeated the cancellation policy, which does not address the fact that no services were rendered or why my two disputes were handled differently.

I believe this constitutes unfair and inconsistent handling of disputes under the Fair Credit Billing Act. American Express has not provided a reasonable explanation or consistent resolution. I am requesting that this matter be fully reviewed, that the denial of XXXX be reversed, and that I be credited for the {$1500.00} charged for services never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccuracies. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fair and accurate. I am requesting a thorough investigation of these accounts, and if they can not be properly verified, they must be deleted.

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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
The account has been in litigation since XXXX  because XXXX sued me. I have not received any correspondence regarding the case, but it is consistently reported to the credit bureaus. I have a copy of the title with my name listed as the owner with no liens. This should not still be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
I spoke with this company multiple times about these charges, Ive not received a response through any channel. I spoke with a representative that was very rude when I inquired about the nature of the charges. The representative eventually hung up on me after demanding that I pay over XXXX. I sent a debt validation letter through certified mail to get a better understanding of these charges. I have not received any communication to date. I have several photos to dispute damage claims, if needed Copy of letter mailed to company : RE : Account Number : I am writing in response to your recent communication concerning the debt you claim I owe. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in U.S. Code 1692 regarding the validation of debt.

I am requesting that you provide me with the following information to validate the debt : 1. The original creditor 's name and contact information.

2. The original account number and the amount of the alleged debt.

3. Verification that you are licensed to collect debts in my state.

4. Verification or copy of any judgment, if applicable.

5. A detailed breakdown of the charges included in the total amount owed with relevant photographs.

Please be advised that I dispute the validity of this debt, and I am requesting that you provide me with the requested information within 30 days from the date of this letter. Until such time, I request that all collection activities be ceased. 
Furthermore, I would like to request that all future communications regarding this debt be made in writing to the address listed above. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.

Company response to consumer: Closed with explanation