vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-05-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
This inaccurate reporting is severely damaging my financial prospectsimpacting my ability to obtain loans, credit, and housing. The presence of unauthorized negative information on my credit report is both unfair and unacceptable. I demand an immediate and thorough investigation, and the prompt removal of these accounts. This issue is urgent and requires swift corrective action without further 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 2025-05-15 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-15 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to formally dispute the late payment information currently being reported on the following accounts : - Personal XXXX XXXX XXXX - Account Number : XXXX Reported late for XXXX and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX - Account Ending in XXXX Reported late for XX/XX/2024 Under 15 U.S. Code 1666b, creditors are required to provide consumers with a minimum of 21 days from the date of mailing or delivery of a periodic statement to make payment before a late fee or adverse reporting can be assessed. In addition, 15 U.S. Code 1637 mandates that clear billing statements and due date disclosures be provided in compliance with the Truth in Lending Act. 
I am requesting that Navy Federal immediately provide proof that a billing statement or notice was mailed and delivered at least 21 days prior to the reported due dates for the above-mentioned accounts. Without such proof, the reporting of these late payments is in direct violation of the above-referenced statutes.

As such, I am demanding the immediate correction and removal of these inaccurately reported late payments from all three major credit reporting agenciesXXXX XXXX XXXX XXXX XXXX- to which Navy Federal has furnished this information.

Please conduct a reinvestigation of this matter and provide a written response confirming the removal and correction of these entries as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$55000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}

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 explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Under FCRA 605B Identity Theft To Whom It May Concern, This is a formal demand for the immediate blocking and removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605B. This section requires you to block identity theft-related information within four ( 4 ) business days after receiving a proper request.

The following account ( s ) were opened or used as a result of identity theft and do not belong to me : Creditor/Collector Name : XXXX XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Name : Dept of Education/XXXX Account # XXXX Date XXXX Inquiry : XXXX  Date : XX/XX/XXXX Inquiry : XXXX XXXX Financial Date : XX/XX/XXXX Type of Account : [ e.g., Credit Card, Collection, Loan ] You are required by law to block the reporting of these items across all consumer reports you maintain and notify the furnisher of the block.

Enclosed with this letter, as required by FCRA 605B, The documents are attached to this complaint.

This is your legal notice. I expect full compliance within four business days, per federal statute. If you fail to take prompt action : I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

I will seek legal counsel to initiate litigation for willful noncompliance, continued defamation, and negligence under FCRA 616 and 617.

I am not requesting an investigation I am demanding the required block and deletion of fraudulent data, as clearly outlined under FCRA 605B. Failure to comply will be documented and pursued to the fullest extent of the law.

You have been officially notified.

Sincerely,

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 2025-05-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-15 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: MO

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up days XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$710.00}

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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The XXXX department in Citibank froze my account for a second time regardless of complying and communicating via phone, XXXX mail and through my branch. They have caused severe problems to my business as checks have bounced, they have also made me loose days of work trying ti fix my situation and have affected my businesss payment credibility.

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 2025-05-15 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: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX due to significant discrepancies in how my account is being reported to the three major credit bureaus : Equifax, XXXX, and XXXX. These discrepancies have not only resulted in misleading negative information on my credit profile, but they have also directly interfered with my ability to access capital, which constitutes a violation of my consumer rights. 

Upon review of my reports, I have identified the following inconsistencies : 1. A 30-day late payment is being reported in XX/XX/XXXX, despite payment history clearly showing " OK '' ( on-time ) status for that month. 

2. The " Date of Last Payment '' differs across bureaus : Equifax shows XX/XX/XXXX, while XXXX reflects XX/XX/XXXX. 

3. The " Last Activity '' date also varies : Equifax reports XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

4. The loan terms are inconsistent : 74 months in Equifax and XXXX, 72 months in XXXX. 

5. " Last Reported '' dates are inconsistent : XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). 

These variations and misreported details contradict each other and violate provisions under : The Truth in Lending Act ( TILA ) - requiring accurate and transparent disclosure of credit terms.

The Fair Credit Reporting Act ( FCRA ) - requiring furnishers and CRAs to report information with maximum possible accuracy ( 15 U.S.C. 1681i ). 

This ongoing misreporting is directly impacting my creditworthiness, blocking financial opportunities, and damaging

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
World savings bank, XXXX XXXX, and Wells Fargo bank put a false mortgage of {$350000.00} on my house in XXXX. 
XXXX XXXX XXXX claim {$370000.00} was listed in my XXXX XXXX bankruptcy. creditor Wachovia bank. No proof of claim provided in my bankruptcy and no substantive proof has been provided now. 
All my mortgage payments since XXXX applied to this fraudulent {$350000.00} world savings bank loan instead of my original XXXX XXXXXXXX XXXX debt of {$120000.00} of XXXX. 
XXXX Wells Fargo sold my account to XXXX XXXX Loan servicer is XXXX XXXX. 
I discovered this fraud in XX/XX/XXXX. Filed a lawsuit. Lost my lawsuit to summary judgment due to ineffective counsel. 
The court and my former attorney prejudiced my case and denied me due process. 

I need help to get this false world XXXX XXXX claim {$350000.00} in XXXX remove from my house. 
The XXXX XXXX XXXX claim comprises XXXX refinanced debt {$190000.00} from XXXX XXXX XXXX XXXX XXXX XXXX loan of {$100000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$350000.00} used to pay back XXXX XXXX XXXX XXXX 
{$35000.00} cash to borrow ( lie )

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 2025-05-15 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: TX

Complaint narrative:
I have received a letter in response to my previous complaint. The letter stated that my previous request did not include valid documents and that they were illegible. I however updated everything properly and I believe that the company failed to check all of the documents I sent. The letter states ( attached ) that I should send 2 copies of two different items one from each of the 2 categories below Category 1 identification : VALID SOCIAL CARD ( ATTACHED AGAIN ) Category 2 Current address with current address : Drivers license ( ATTACHED AGAIN ) I am submitting this fraud block request yet again including all of the documents your letter requested. There shouldnt be any problem with you to process my request. So here is my request YET AGAIN THERE SHOULD NOT BE AN EXCUSE FOR YOU TO VALIDATE MY REQUEST. 


Dear Equifax, I am writing to formally request a Fraud Block under Section 605B of the Fair Credit Reporting Act ( FCRA ) for the following accounts, which are the result of identity theft and do not belong to me : 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 In accordance with 15 U.S.C. 1681c2, I am submitting the following required documentation : Proof of my identity Included A copy of my identity theft report Included Identification of the fraudulent accounts Included Above A written statement confirming that these accounts are not mine This letter serves as that statement Under this law, Equifax is required to block this fraudulent information within four ( 4 ) business days of receiving this request.

Additionally, pursuant to 15 U.S.C. 1681j ( d ), I request a free copy of my updated credit report reflecting the removal of the above accounts.

Please confirm in writing once these accounts have been blocked and my file has been updated. If you require any additional information to process this request, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX/DOFED XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX   Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}

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 explanation
Consumer complaint received 2025-05-15 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX/DOFED XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX   Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX/DOFED XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX   Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation