vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate and damaging reporting of multiple fraudulent accounts that were opened in my name without authorization. I am the victim of identity theft and have submitted a verified Identity Theft Report to the Federal Trade Commission ( FTC ), Report # XXXX, which details the fraudulent accounts at issue. 

Despite providing this information, the following creditors and debt collectors have continued to report or pursue collection on accounts that are not mine, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) :. XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) - This account is fraudulent. I did not open or authorize any account with XXXX. It is explicitly listed in my FTC Identity Theft Report. Despite a XXXX balance, the account continues to be reported as charged off, which is derogatory and harmful. Under FCRA 1681c-2, this information must be blocked or deleted upon identity theft notification., DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector for Discover Bank. I contacted XXXX directly. The representative confirmed that : There is no agreement or contract between me and XXXX. 

They would need to contact Discover Bank for documentation. I have never opened an account with Discover Bank. This is another fraudulent tradeline, identified in my FTC report. Despite notice of identity theft, Discover continues to report this account as active, delinquent, and charged off. This violates FCRA 1681s-2 ( b ). 

I clearly stated that the debt was fraudulent and that I had filed an identity theft report. I explicitly instructed them not to seek validation, but to close the matter. Despite this, XXXX continued collection efforts. They are attempting to collect on a debt they can not validate, in violation of FDCPA 1692e and 1692f.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file.

Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 


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

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, TransUnion, and Equifax are in blatant and constant violation of 15 USC 1681i and 15 USC 1692g, having willfully failed to provide proper verification of a disputed collection account ( s ) despite multiple written demands. I am demanding that they delete the following accounts : XXXX XXXX  Account number : XXXX DELETE IMMEDIATLEY XXXX  XXXX  Account number : XXXX DELETE IMMEDIATLEY Their continued noncompliance constitutes a direct breach of federal law and consumer rights. These accounts are not metro to compliance, and should've been deleted already.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Issue : Deceptive or unfair redemption terms for travel credit Description : I booked an XXXX XXXX XXXX  via Capital One XXXX XXXX last year using my Capital One credit card ( Book XXXX XXXX  ). I later canceled on XX/XX/XXXX and was issued a Future Travel Credit ( FTC ) that is only redeemable through the Capital One XXXX XXXX. This FTC is governed by XXXX XXXX policies but managed exclusively through Capital Ones platform. 

I recently tried to redeem my credit for the exact same flight that is publicly listed on Capital One XXXX 's website for {$250.00} on XX/XX/XXXX. However, I can not book via online portal and have to redeem my FTC by phone via CapitalOne XXXX XXXX. After several hours conversation, They give me a quote as the same flight would now cost {$370.00} not including {$100.00} change fee. This significantly inflates the cost and devalues the credit I was issued. 

This practice was not disclosed when the credit was issued and appears deceptive. I am being charged more than a cash-paying customer for the exact same flight simply because Im using a previously issued credit.

I believe this constitutes deceptive pricing and unfair treatment under consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of XXXX  ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security United Sttes. And unauthorized disclosure to third parties.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I am filing this complaint to dispute the accuracy of the payment history reported on one or more of my accounts. After reviewing my credit reports, I noticed entries showing late payments that I believe are incorrect and may fall under billing errors as defined in 15 USC 1666 ( b ) of the Fair Credit Billing Act.

To the best of my recollection, I was not late on these accounts, and I am requesting a thorough investigation into the accuracy of the reported information. If found to be inaccurate, I respectfully ask that the records be corrected to reflect on-time payments. 

This issue has caused ongoing stress and is now negatively impacting my day-to-day life. The emotional and mental strain from seeing unresolved errors on my credit report has been overwhelming. 

I want to make it clear that I am submitting this dispute on my own behalf. There is no third-party representative involved. I am simply asking for a fair and complete review of this matter in accordance with federal consumer protection laws. 

Thank you for your time and attention to this complaint. 

1. Late Payment ( Open ) XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Late Payment ( Open ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. Late Payment ( Open ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Late Payment ( Open ) XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Late Payment ( Open ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My former best friend who now moved back to XXXX XXXX used my information in the past without my approval to open accounts in my name. 
These are not accounts that are mine, I didn't open them. I would like to have these removed from my file since they are not my accounts. Please help me with these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My former best friend who now moved back to XXXX XXXX used my information in the past without my approval to open accounts in my name. 
These are not accounts that are mine, I didn't open them. I would like to have these removed from my file since they are not my accounts. Please help me with these fraudulent accounts.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EdFinancial Services
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a miscalculation in my student loan account and to raise serious concerns about potential violations of the Fair Credit Reporting Act ( FCRA ).

I have noticed discrepancies in the way my payments have been applied and reported by XXXX These miscalculations have resulted in an inaccurate balance and, in some cases, negative credit reporting that is both misleading and damaging.

As a consumer, I am entitled under the FCRA to accurate and fair credit reporting. If you have furnished incorrect information to the credit bureaus as a result of these errors, it constitutes a violation of the FCRA, including but not limited to : FCRA 623 : Furnishers of information must provid
e accurate information and correct any errors they discover. 
FCRA 611 : Consumers have the right to dispute inaccurate or incomplete information on their credit reports, and the furnisher must investigate.

I am requesting the following actions be taken immediately : A full audit of my loan payment history and account records.

Written clarification explaining how payments have been applied and any adjustments made.

Correction of any inaccurate information reported to the credit bureaus.

Written confirmation that any FCRA violations have been remedied and that my credit report reflects accurate information.

I am also requesting a copy of any communication XXXX has had with t

he credit bureaus regarding my account. Please consider this a formal dispute under the Fair Credit Reporting Act. If I do not receive a satisfactory resolution within 30 days, I will consider taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and considering legal counsel for damages resulting from inaccurate credit reporting and financial harm. Please confirm receipt of this letter and provide your response in writing to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I just recently looked at me credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I sent a letter to exquifax on XX/XX/XXXX here is my tracking number XXXX and asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Soft Inquiries DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  CXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. 
Delete this inquiry dur to violation of 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I categorically deny any responsibility for the alleged debts reported

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I've recently reviewed my credit report, and it contains multiple inaccurate accounts and inquiries. This is very harmful to my credit score, and it's challenging to obtain credit for everyday necessities. I've attached a copy of all of the accounts in question.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against RENTRECOVERYSOLUTIONS regarding an account I have with them XXXXXXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : RENTRECOVERYSOLUTIONS ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with RENTRECOVERYSOLUTIONS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX Bank ) XX/XX/year> Equifax XXXX XXXX XXXX BANK XXXX XX/XX/year> 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