vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: MO

Complaint narrative:
" I found an inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. '' Thank you so much for your time

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 2025-06-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 US C. 1681, section 602. It states I have the right to privacy. 15 US C. 1681, section 604 ( a ), section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 US C. 1681, section 602. It states I have the right to privacy. 15 US C. 1681, section 604 ( a ), section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: PA

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

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 2025-06-14 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
I received a notification from Cash App stating that a check deposit of {$0.00} was returned, and immediately afterward, {$200.00} was removed from my account, resulting in a negative balance. 

I have not deposited any check in over a month, and no check for {$0.00} should ever result in a {$200.00} debit. This appears to be an unauthorized withdrawal or internal error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS THIS ACCOUNT HERE IS IN LITIGATION XXXX XXXX XXXX XXXX - BALANCE {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/XXXX I noticed that I fraudulent charges on my account that I did not authorize and they tapped into my XXXX XXXX account. I called navy federal to notify them and to look into the account and they told me they will get back to me so they credited me the every I lost. I just recently checked my navy fed account to go and pay bills and noticed that I went into overdraft for XXXX wondering how and why I called navy fed and they let me know that they denied my claim and they were taken back the money out of my account since they denied the claim. I have never heard of I am a victim of fraudulent scam and now that put me in a hole of cant pay my bills and Ive been trying to speak to navy fed to get more assistance as to why they taken the money back and they keep denying this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
XXXX  detected an alert that a collection agency for XXXX named Eastern Account System is collecting an amount of XXXX dollars on my behalf and says debt incurred on XX/XX/year>. I dont have XXXX XXXX. 
Same amount also was being collected by XXXX asst few months back and it is a XXXX bill and was proven as fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. ACCOUNT NUMBER XXXX FROM XXXXXXXX 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My phone number is incorrect, and so I can not do the multi factor authentication. They dont give you any other option and no way to change your number on the profile so its impossible to access. I have my credit report frozen and now I am unable to unfreeze it. Its ridiculous that you cant change your phone number.

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 2025-06-14 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: MN

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies 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 2025-06-14 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: MN

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get a couple of closed accounts off of my credit report for a while now but it all seems to no avail, I am in a desperate situation since these accounts have been hurting my credit and no action taken from my end seems to be working. 

CLOSED XXXX ACCOUNTS TO BE REMOVED Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau : EQUIFAX Account name XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : EXPERIAN Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : EXPERIAN Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EXPERIAN Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau : TRANSUNION Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : TRANSUNION

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get a couple of closed accounts off of my credit report for a while now but it all seems to no avail, I am in a desperate situation since these accounts have been hurting my credit and no action taken from my end seems to be working. 

CLOSED XXXX ACCOUNTS TO BE REMOVED Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau : EQUIFAX Account name XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : EXPERIAN Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : EXPERIAN Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EXPERIAN Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau : TRANSUNION Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : TRANSUNION

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 2025-06-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address XXXX Phone Number XXXX XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Block Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Reporting Agency , I am writing to file a formal dispute and request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent, inaccurate, and unauthorized information appearing on my consumer credit file maintained by TransUnion, Experian and Equifax. This request stems from a verified case of identity theft. 


Consumer Information : - XXXX XXXX XXXX XXXX Social Security Number : XXXX - Date of Birth:11/23/1983 Accounts and Inquiries in Question : The following accounts and credit inquiries were not opened, authorized, or initiated by me and are the result of identity theft : XXXX. XXXX XXXX XXXX XXXX for {$640.00} ( Original Creditor : XXXX  XXXX ) XXXX. XXXX XXXX Credit Card ending in XXXX showing delinquency up to 120 days late XXXX. XXXX XXXX Credit Card ending in XXXX overlimit with 103 % credit usage XXXX XXXX XXXX XXXX XXXX Account XXXX in XXXX reporting XXXX late payments, 100 % utilization XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX late payments XXXX. XXXX XXXX XXXX Charged Off account XXXX - Balance {$13000.00} XXXX. XXXX XXXX XXXX Account XXXX balance {$0.00} XXXX. XXXX XXXX XXXX account XXXX balance {$0.00} XXXX. Hard inquiries dated : - XX/XX/XXXX ( XXXX  XXXX XXXX  and XXXX  ) - XX/XX/XXXX ( XXXX XXXX ) - XX/XX/XXXX ( XXXX XXXX XXXX  ) - XX/XX/XXXX ( XXXX XXXX XXXX  ) These items are unauthorized and have significantly damaged my credit scores, reflected by my most recent FICO Score XXXX of XXXX and an Auto Score XXXX of XXXX as of XX/XX/XXXX. 


Supporting Documentation Included : - FTC Identity Theft Report and police complaint Case # XXXX and XXXX - Affected TransUnion, Experian and Equifax credit report showing fraudulent accounts and inquiries - List of unauthorized entries clearly marked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Remedy : Under FCRA 605B, I hereby formally request that TransUnion, Experian and Equifax block the fraudulent accounts, collection, and inquiries listed above from my credit report within four ( 4 ) business days of receipt. These items are a direct result of identity theft and must be removed. 

Please confirm receipt and resolution of this dispute in writing at your earliest convenience to : XXXX Thank you for your cooperation and timely handling of this matter in accordance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address XXXX Phone Number XXXX XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Block Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Reporting Agency , I am writing to file a formal dispute and request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent, inaccurate, and unauthorized information appearing on my consumer credit file maintained by TransUnion, Experian and Equifax. This request stems from a verified case of identity theft. 


Consumer Information : - XXXX XXXX XXXX XXXX Social Security Number : XXXX - Date of Birth:11/23/1983 Accounts and Inquiries in Question : The following accounts and credit inquiries were not opened, authorized, or initiated by me and are the result of identity theft : XXXX. XXXX XXXX XXXX XXXX for {$640.00} ( Original Creditor : XXXX  XXXX ) XXXX. XXXX XXXX Credit Card ending in XXXX showing delinquency up to 120 days late XXXX. XXXX XXXX Credit Card ending in XXXX overlimit with 103 % credit usage XXXX XXXX XXXX XXXX XXXX Account XXXX in XXXX reporting XXXX late payments, 100 % utilization XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX late payments XXXX. XXXX XXXX XXXX Charged Off account XXXX - Balance {$13000.00} XXXX. XXXX XXXX XXXX Account XXXX balance {$0.00} XXXX. XXXX XXXX XXXX account XXXX balance {$0.00} XXXX. Hard inquiries dated : - XX/XX/XXXX ( XXXX  XXXX XXXX  and XXXX  ) - XX/XX/XXXX ( XXXX XXXX ) - XX/XX/XXXX ( XXXX XXXX XXXX  ) - XX/XX/XXXX ( XXXX XXXX XXXX  ) These items are unauthorized and have significantly damaged my credit scores, reflected by my most recent FICO Score XXXX of XXXX and an Auto Score XXXX of XXXX as of XX/XX/XXXX. 


Supporting Documentation Included : - FTC Identity Theft Report and police complaint Case # XXXX and XXXX - Affected TransUnion, Experian and Equifax credit report showing fraudulent accounts and inquiries - List of unauthorized entries clearly marked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Remedy : Under FCRA 605B, I hereby formally request that TransUnion, Experian and Equifax block the fraudulent accounts, collection, and inquiries listed above from my credit report within four ( 4 ) business days of receipt. These items are a direct result of identity theft and must be removed. 

Please confirm receipt and resolution of this dispute in writing at your earliest convenience to : XXXX Thank you for your cooperation and timely handling of this matter in accordance with federal law. 

Sincerely, 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