vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/, I contacted Discover Bank to dispute inaccurate information on a charged-off account and to update my legal name. Despite confirming my address update, they refused to correct the name, claiming it is not possible on charged-off accounts even though they continue reporting the account monthly. I spoke with agents XXXX ( ID XXXX ) and XXXX ( ID XXXX ). I specifically requested validation of the {$3300.00} balance, XXXX XXXX compliance documentation, and a structured payment plan. They refused all. I have previously submitted multiple written disputes. On this call, I was repeatedly interrupted, denied supervisor access, and told no resolution would be available unless I dropped the open dispute which I initiated. Their conduct was obstructive, dismissive, and a violation of FCRA 1681s-2 ( a ), 1681e ( b ), 1681i, and XXXX XXXX standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This debt was written off in XXXX  I only became aware of it through my credit report and/or account statements. I need this form for tax reporting purposes, as the IRS may treat the canceled amount as taxable income. However, despite my attempts to obtain it directly from the creditor, they have not provided it, nor have they confirmed whether it was ever issued. 
This lack of transparency is interfering with my ability to comply with federal tax laws and potentially subjects me to IRS penalties or audits. I am asking that the CFPB investigate this matter and request that the company either :

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 2025-07-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for failing to respond to multiple disputes I submitted concerning three collection accounts currently being reported on my credit reports. Despite submitting disputes to the credit reporting agencies, I have not received any sufficient response or documentation from XXXX XXXX to validate the debts. 

Below are the details of the disputed accounts : 1. * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} - * * Date Opened * * XXXX XXXX XXXX XXXX XXXX Reported by * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- * * Status * * : Charge-Off / Collection 2. * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor * * : XXXXXXXX XXXX XXXX XXXX 
- * * Balance XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  Date Opened * * : XX/XX/year> - * * Reported by * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- * * Status * * : Charge-Off / Collection XXXX. * * Account # XXXX * * - * * Original Creditor * * : XXXX XXXX XXXX XXXX 
- * * Balance XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX  Date Opened * * : XX/XX/scrub>XXXX XXXX XXXX XXXX Reported by * * : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status * * : Charge-Off / Collection I formally requested validation of these debts, and the reporting entity has not provided any evidence proving that I owe these amounts or that they are legally authorized to collect on them. This is a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. 

XXXX XXXX has continued reporting these accounts without responding or validating the debt as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-07-24 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: OH

Complaint narrative:
After reviewing my credit report a noticed a fraudulent account in my credit report, please investigate this account and remove this from my credit report as it affect my ability to obtain credit.

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 2025-07-24 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: AL

Complaint narrative:
I have recently received a copy of my credit report, and I noticed several inaccuracies and unauthorized account on my credit report. These remarks have been detrimental to my credit health.

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 2025-07-24 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: MI

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 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on a previously submitted complaint # XXXX regarding a fraudulent or misleading hard inquiry, the suppression of accurate account data, and unjustified score deductions. My accounts are being misrepresented, resulting in credit harm. I have provided documentation, but TransUnion has not corrected the errors nor properly responded. ''

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 2025-07-24 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: CA

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Experian compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance 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 explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I received a credit report from them and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I submitted a formal dispute regarding inaccurate or incomplete information on my credit report. Under FCRA 611, the credit bureau is required to conduct a reasonable reinvestigation of the items in question, typically within 30 days, and remove any information found to be inaccurate, incomplete, or unverifiable.

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 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 2025-07-24 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:
I submitted a formal dispute regarding inaccurate or incomplete information on my credit report. Under FCRA 611, the credit bureau is required to conduct a reasonable reinvestigation of the items in question, typically within 30 days, and remove any information found to be inaccurate, incomplete, or unverifiable.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 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 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 explanation
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
This inaccurate information ( XXXX XXXXXXXX ) is hurting my credit and costing me XXXX XXXX XXXX. I requested proof of verification twice and still not proof but account is still being remain on my credit. Monthly updates still happening on my account which is a big violation. Please provide my signature from this account if not please delete this from my credit immediately the re-againg of debt and violates the Fair Credit Reporting Act ( FCRA ) 623.

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 2025-07-24 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: TX

Complaint narrative:
I am filing this complaint against TransUnion due to ongoing issues with inaccurate, incomplete, and unverifiable information on my credit report related to an account reported by the data furnisher XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). I have submitted XXXX dispute letters to XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX investigation and correction of this account, which is reported with a " Collection/Chargeoff '' status, a {$0.00} balance, and derogatory marks despite being transferred to another lender. Both disputes were returned as " verified '' without documented evidence of how the verification was conducted, in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : First Dispute ( XX/XX/XXXX ) : I disputed the " Collection/Chargeoff '' status and derogatory marks, citing inaccuracies under 15 USC 1681e ( b ) and unverifiable information under 15 USC 1681i ( a ). I requested verification of the delinquency date to ensure compliance with 15 USC 1681c ( obsolete information ). TransUnion failed to provide evidence of investigation or correction, violating FCRA Section 611 ( 15 USC 1681i ). 

Second Dispute ( XX/XX/XXXX ) : I reiterated the dispute, highlighting additional issues : the accounts " Indeterminate '' status alongside " Charged off '' ( inaccurate per 15 USC 1681e ( b ) ), incomplete transfer details ( unverifiable per 15 USC 1681i ( a ) ), outdated information past the XXXX limit ( 15 USC 1681c ), and blank payment history ( inaccurate per 15 USC 1681s-2 ). TransUnion again returned the account as " verified '' without evidence, breaching FCRA and FDCPA ( 15 USC 1692g ) obligations.

Ongoing Violation : The data furnisher continues to report the account as verified, but it lacks maximum possible accuracy as required by law. The last reported date ( XX/XX/XXXX ) and last payment ( XX/XX/XXXX ) suggest the account may exceed the XXXX reporting limit, and the {$0.00} balance with a " Transferred '' status contradicts the derogatory marks.

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 2025-07-24 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:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
In Accordance with the Fair Reporting Credit Act convergent account name XXXX XXXX XXXX, account number XXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-24 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 am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: B9, Inc.
State: AL

Complaint narrative:
I had my direct deposit from XXXX sent to my B9 account. The deposit was confirmed on XXXX side, and I have a paystub and screenshot showing the deposit was processed. However, the money never became available in my B9 account. 

This situation has caused me financial hardship, as this was my paycheck. I believe this may be fraudulent or an intentional delay by B9 to withhold funds. Im requesting that the CFPB investigate this issue and help recover my paycheck or hold B9 accountable for not releasing funds and ignoring support requests. And by the way this was XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NC

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 2025-07-24 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: VA

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