vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint to dispute an unauthorized hard inquiry that appears on my credit report from XXXX XXXX, XXXX, dated XX/XX/year>. I did not apply for credit with XXXX XXXX, XXXX, nor did I authorize them to access my credit file. This inquiry was made without my knowledge, consent, or initiation, and therefore, I am asserting that it violates my rights under the Fair Credit Reporting Act ( FCRA ). 

According to FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, such as a credit transaction initiated by the consumer or with the consumers written authorization. Additionally, under Section 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], any entity that accesses a credit report without a permissible purpose is in direct violation of federal law. If XXXX XXXX, XXXX. is unable to provide documented proof of my consentsuch as a signed application or verifiable digital agreementthen this inquiry is unauthorized and must be removed immediately. Furthermore, Sections 616 and 617 [ 15 U.S.C. 1681n & 1681o ] outline that obtaining a credit report under false pretenses can subject the offending party to civil liability, including statutory and punitive damages. 

I am formally requesting that the CFPB conduct a full investigation into this matter and ensure that the unauthorized inquiry by XXXX XXXX, XXXX, dated XX/XX/year>, is removed from all credit reporting agencies. I also request that XXXX XXXX, XXXX. be required to provide documentation proving a valid permissible purpose, if such a claim is made. If they are unable to furnish such evidence, the inquiry should be deleted promptly to bring all parties into compliance with the FCRA. Please confirm receipt of this complaint and notify me of the outcome. I appreciate your attention to this matter and your role in protecting 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 2025-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
NEW DISPUTE I DID NOT ANSWER YOU GUYS WITH FTC BUT IT IS INCLUDED BELOW XXXX XXXX  XXXX XX/XX/year> For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( XXXX ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXX  XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
NEW DISPUTE I DID NOT ANSWER YOU GUYS WITH FTC BUT IT IS INCLUDED BELOW XXXX XXXX  XXXX XX/XX/year> For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( XXXX ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( XXXX ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXX  XXXX XX/XX/year> 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OK

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OK

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a written identity theft dispute to TransUnion, Equifax, Experian under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including : A police report My FTC Identity Theft Report A letter identifying fraudulent accounts Proof of identity TransUnion & Equifax received my dispute package on XX/XX/XXXX, via certified mail ( tracking documentation is attached ). 

Per federal law, TransUnion & Equifax was required to block the fraudulent information within four business days of receiving the documentation. 

As of today, XX/XX/XXXX, TransUnion & Equifax has not blocked the items, and their website still shows the dispute status as In Process. This delay violates the law under 15 U.S.C. 1681c-2. 

Experian received letter on XX/XX/XXXX by certified mail but still has not started dispute process. 

I have not received any written updates, confirmation, or deletions from TransUnion, Equifax, experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent accounts on mycreditreport. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ).

My personal information was compromised in the Equifax data breach, and I am a confirmed victim of identity theft. I did not open or authorize the accounts listed below, and they are the result of fraudulent activity. The fraudulent accounts have caused significant harm to my credit and financial well-being. 

Once again ( My personal i lnformation was comprised in a data breach, and i have reasons to belive that the negative accounts currently reported on my credit file may bethe result of identity theft or unauthorized use of my information. This information has caused significant harm to my credit. My personal information was compromised in a Equifax data breach. engagement number is XXXX As required under Section 605B, I have included the following : XXXX. A copy of my FTC Identity Theft Report, detailing the accounts fraudulently opened in my name. 
XXXX. A copy of my government-issued ID and proof of address ( if required ). 
XXXX. A list of the fraudulent accounts to be blocked and removed. 

Accounts to be Blocked and Removed * XXXX XXXX, XXXX / XXXX * Account number XXXX * Date opened - XX/XX/year> ( * Amount XXXX $ XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open XXXX balance : {$510.00} XXXX  XXXX XXXX XXXX Accnt # XXXX OPENED XXXX Amount : {$0.00} CEASE AND DESIST DEMAND FDCPA 805 ( 15 U.S.C. 1692c ) You are hereby notified to cease and desist from : Reporting or verifying any of the above accounts or inquiries Furnishing information to third parties regarding these items Contacting me in relation to these disputed matters Please block/remove based on identity theft report If you fail to comply, you will be in willful violation of my rights under the FDCPA and FCRA, and I reserve the right to pursue all legal remedies, including a civil lawsuit seeking damages of {$1000.00} per violation under 15 U.S.C. 1681n, 1681o, 1692k. 

Under FCRA 605B, you are required to block and remove all information related to the fraudulent accounts from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. 

Please send me written confirmation once these accounts have been removed. If any additional documentation is needed, feel free to contact me at the number or email above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently paid off my auto loan with XXXX XXXX XXXX and requested that once I paid the account in full that the account would be deleted from my credit report. The company agreed to do so but has yet to and when I reached out to Experian, Equifax and Transunion to request the removal of the paid account they stated that they would but hasn't done so. I requested the removal back in XX/XX/year> and it is still reporting on my report. Experian, Equifax as well as Transunion has failed to thoroughly investigate this matter and remove the account requested therefore, I am requesting immediate removal due to this holding me back from purchasing my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Discover Bank, adding to the issues in my existing complaint ( CFPB ID XXXX ). For the second time in less than a week, my previously closed and charged-off DISCOVER CARD account ( # XXXX ) is being reported as an 'Open credit card account ' on my XXXX  credit report via XXXX XXXX  [ XXXX XXXX XXXX ]. This is fundamentally inaccurate and unauthorized. 

Timeline of Egregious Behavior : Prior Status : Account was closed and charged off for years. 

XX/XX/year> : It was first reported as 'Open ' via XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX  ], causing 156 % utilization and a XXXX point score drop [ XXXX XXXX XXXX XXXX XXXXXXXX ]. 

XX/XX/year> : It was corrected back to 'Closed ' [ XXXX XXXX XXXX XXXX ]. 

XX/XX/year> ( Today ) : It is now being reported as 'Open ' again via XXXX XXXX [ XXXX XXXX XXXXXXXX ], causing my utilization to be 156 % [ XXXX XXXX XXXXXXXX ] and my XXXX  XXXX to drop by XXXX points again [ XXXX XXXX XXXXXXXX ]. 

I did not authorize, sign, or agree to re-open this account ; in fact, I have consistently sought its deletion. As the furnisher, Discover Bank has a duty under FCRA 1681s-2 to furnish accurate information and to correct errors promptly. This repeatedly disseminated misinformation demonstrates a severe and willful disregard for accuracy and a shocking lack of regard for my creditworthiness, causing immediate, measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXX XXXX and the handling of my secured credit card account. I opened this account with a security deposit and consistently made on-time monthly payments, maintaining a positive payment history with no missed or late payments. 

I was told by XXXX that my secured credit card would be upgraded to an unsecured ( regular ) credit card based on my good standing. However, despite reaching out to XXXX multiple times for updates and clarification about the conversion, I never received a clear response or confirmation. 

Instead of converting the account as promised, XXXX abruptly closed my credit card again, without explanation or any delinquency on my part. I did not miss payments, nor was I ever informed of any problem that would justify the closure of my account. 

This closure has negatively affected my credit report and score, even though I upheld my end of the agreement and fulfilled all financial obligations in good faith. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing this account closure and its reporting. I request that the CFPB investigate this issue and ensure that XXXX either : 1. Removes this account entirely from my credit report, or 2. Updates the status to reflect that the account was in good standing and closed by the issuer without consumer fault. 

Thank you for your time and support in resolving 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXX XXXX and the handling of my secured credit card account. I opened this account with a security deposit and consistently made on-time monthly payments, maintaining a positive payment history with no missed or late payments. 

I was told by XXXX that my secured credit card would be upgraded to an unsecured ( regular ) credit card based on my good standing. However, despite reaching out to XXXX multiple times for updates and clarification about the conversion, I never received a clear response or confirmation. 

Instead of converting the account as promised, XXXX abruptly closed my credit card again, without explanation or any delinquency on my part. I did not miss payments, nor was I ever informed of any problem that would justify the closure of my account. 

This closure has negatively affected my credit report and score, even though I upheld my end of the agreement and fulfilled all financial obligations in good faith. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing this account closure and its reporting. I request that the CFPB investigate this issue and ensure that XXXX either : 1. Removes this account entirely from my credit report, or 2. Updates the status to reflect that the account was in good standing and closed by the issuer without consumer fault.

Thank you for your time and support in resolving 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 non-monetary relief