vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-28 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: AR

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, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXX-XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-28 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: OK

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-28 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the personal information listed on my credit report. The report currently contains multiple phone numbers and email addresses that do not belong to me. To clarify, I have only XXXX valid phone number and XXXX email address, which are XXXX and XXXX I would like to have anything else removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the personal information listed on my credit report. The report currently contains multiple phone numbers and email addresses that do not belong to me. To clarify, I have only XXXX valid phone number and XXXX email address, which are XXXX and XXXX I would like to have anything else removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
The company provided some type of promissory note, that was digitally submitted. Due to identity fraud and hacking of the banking system, allegedly. With no signatures or debt validation included.

Remove " charge-off '' from credit files, due to fraud. Produce original contract with signatures and identification methods. NOT a promissory note, with NO signatures. Of someone who possibly hacked into the banking system digitally. From a account I never use or monitor, all while I'm deployed overseas.

This matter is also under police investigation, due to fraud. So I'm trying to figure out why USAA is maintaining their stance. Even though I'm presenting supporting documentation. This matter has been reported to the police, FTC, CFPB, Postal fraud, FBI, my lawyer and the military.

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 2025-07-28 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:
This is 18 year old debt that is not even my debt I never agreed to this loan. It should be off my report because its over 10 yrs old now.

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 2025-07-28 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: TN

Complaint narrative:
I am formally refiling this complaint to EXPERIAN to demand the immediate deletion or a thorough reinvestigation of the following accounts due to the data furnishers failure to ensure factual accuracy and completeness. The accounts listed below reflect multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly regarding unverifiable derogatory information and improper reporting practices that have not been addressed in prior disputes. 

Specifically, the XXXX XXXXXXXX XXXX XXXX account XXXX XXXX ) reports a charge-off without providing an itemized monthly history, which is a material omission under FCRA 607 ( b ), and no charge-off notification was ever issued as required by FCRA 623 ( a ) ( 7 ). Similarly, XXXX XXXX XXXX XXXX XXXXXXXX ) reports a 60-day late payment without evidence of billing statements or a payment schedule, violating FCRA 623 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) account reflects a charge-off without supporting collateral or default communication, constituting incomplete and unverifiable reporting under FCRA 611 ( a ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account lacks documented proof of a charge-off notice and displays inconsistent balance history that does not comply with XXXX XXXX XXXX standards. Additionally, XXXXXXXX XXXX XXXX XXXX ) lists multiple late marks up to 60 days without any billing proof or corresponding late fee assessments, which is a clear violation of FCRA 623 ( a ) ( 1 ) ( D ).

Under FCRA 611 ( a ) ( 5 ), I request the deletion of these accounts due to their unverifiable and inaccurate nature. Should EXPERIAN decide to verify these entries, I demand a full disclosure of the investigation procedures, including the source of verification and a detailed explanation, as mandated by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Failure to correct these reporting deficiencies will be considered willful non-compliance with federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities.

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 2025-07-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I am currently in the process of purchasing a home, and during the loan underwriting process, an unexpected issue appeared on my credit report. I noticed a charge off account, late payment, closed account, or hard inquiries reported by XXXX XXXX, XXXX This entry is inaccurate and/or unverifiable. I have never received proper notice, validation, or communication regarding this debt or account. I contacted the company directly to request clarification and validation. I also submitted formal disputes to the appropriate credit bureaus. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, furnishers of information have a legal obligation to report accurate information and to promptly investigate disputes. Failure to correct or delete inaccurate or unverifiable information violates this law. This item is damaging my credit profile and directly interfering with my ability to purchase a home. 

I respectfully request that this matter be fully investigated and resolved without delay. I am requesting that the inaccurate or unverifiable item be deleted or corrected immediately, in compliance with 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 2025-07-28 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: LA

Complaint narrative:
I am currently in the process of purchasing a home, and during the loan underwriting process, an unexpected issue appeared on my credit report. I noticed a charge off account, late payment, closed account, or hard inquiries reported by XXXX XXXX, XXXX This entry is inaccurate and/or unverifiable. I have never received proper notice, validation, or communication regarding this debt or account. I contacted the company directly to request clarification and validation. I also submitted formal disputes to the appropriate credit bureaus. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, furnishers of information have a legal obligation to report accurate information and to promptly investigate disputes. Failure to correct or delete inaccurate or unverifiable information violates this law. This item is damaging my credit profile and directly interfering with my ability to purchase a home. 

I respectfully request that this matter be fully investigated and resolved without delay. I am requesting that the inaccurate or unverifiable item be deleted or corrected immediately, in compliance with 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 non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00}

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 2025-07-28 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-28 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-28 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am disputing a XXXX XXXX charge-off account that has been reporting inaccurately on my Experian credit report. The original charge-off occurred in XXXX, but Experian continues XXXX report the account as charged off every single month from XXXX through XXXX. This is factually incorrect, misleading, and violates federal law under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and Metro 2 reporting standards.

A charge-off is a one-time event and can not be reported repeatedly. I attempted to dispute this through Experians online system, but my submission was blocked and labeled unable to process. This obstructs my legal right to dispute under the FCRA and denies me the opportunity for a fair investigation.

I am requesting the CFPB investigate and instruct Experian to either remove this account entirely or correct the reporting so that the charge-off appears once ( in XXXX ) and not every month for XXXX years. 
I am attaching screenshots showing the reporting history and dispute failure message.

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 2025-07-28 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: CA

Complaint narrative:
I did not open these accounts please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I was a loyal XXXX  customer for over 23 years. In 2023, I disputed charges that appeared on my final account statement, which I believed had already been paid. Despite my long-standing customer history and prior payments, XXXX disabled my service without warning or proper investigation. I initiated arbitration through the American Arbitration Association ( AAA ) under the terms of XXXX 's customer agreement. 

XXXX failed to appear or participate in the AAA process XXXX resulting in the administrative closure of the arbitration due to their noncompliance. After this, the disputed account was sent to collections and is now being reported by Credence Resource Management to consumer reporting agencies. I have formally disputed this account with Credence and the CRAs, yet Credence has continued furnishing negative information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I submitted all supporting documentation, including the AAA closure letter and XXXX failure to comply. Despite this, Credence has failed to cease collection or reporting, and I am now preparing to file a complaint in the New York Supreme Court Equity Division for full equitable and declaratory relief.

What would be a fair resolution : Immediate deletion of all credit reporting entries related to the disputed XXXX account.

A written statement from Credence acknowledging the dispute and confirming they will cease reporting and collection.

Formal investigation by the CFPB into the matter, especially concerning Credences legal authority to report a disputed debt that was never resolved through arbitration due to XXXX inaction. 
Respectfully, /s/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
Updated Complaint - XXXX Complaint Regarding Inaccurate Auto Loan Balance Navy Federal Credit Union Company : Navy Federal Credit Union Product : Auto loan or leaseIssue : Incorrect account status / failure to update loan payoff Consumer Complaint : I paid off my auto loan with Navy Federal Credit Union in full on XXXX for the final payment of : {$1500.00} Despite this, since XX/XX/year>, they are still reporting an outstanding balance of approximately {$3000.00} on my account more than 60 days later. 

I have made SEVERAL phone calls to their customer service to request a correction. During these calls, representatives repeatedly asked me whether I had " submitted a complaint yet '' rather than providing any assistance or explanation. This behavior raises MAJOR concerns about transparency and accountability. 

I have proof of the final payment and payoff amount, and I am requesting immediate action to : Correct the balance to {$0.00} and update the account status accordingly Ensure my credit report is updated to reflect that the loan is paid in full Provide written confirmation of account closure Im requesting CFPB assistance to compel Navy Federal to take appropriate action, as their delays and evasiveness have become unreasonable and concerning. I'm sick and tired of doing business with this dishonest organization and have done my due diligence in paying the vehicle loan starting in XXXX oXXXX XXXX with an initial balance of : {$18000.00}. 

I paid off the car as fast as possible in interests of benefitting my credit and Navy Federal Credit Union has done all that they can to paint a narrative of the car not being paid off as fast as it has been. 

To verify my concerns, kindly review the full screenshots with dates of when payments were made and the " statements '' this bank is issuing for said pay off. The data appears wildly inaccurate and I'm deeply concerned as my goal was to help my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation