vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$18000.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$330.00} Inquiries : 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 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 2025-07-06 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$18000.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$330.00} Inquiries : 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 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app closed my account so to fraud saying I didn't verify my identity yet I have the email to prove that I have infact done what they asked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-06 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$18000.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$330.00} Inquiries : 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK

Complaint narrative:
I am filing this complaint because Discover Bank is reporting inaccurate and fraudulent information on my XXXX  credit report for an account that is not mine. The account in question shows a charged-off balance of {$280.00}, and is continuously updated monthly as CO ( XXXX XXXX ), even though the account was closed in XXXX. 

This inaccurate and damaging tradeline is appearing as follows : Creditor Name : Discover Card Account Type : Secured Credit Card Account Number ( Partial ) : XXXX XXXX Opened : XX/XX/XXXX Closed : [ Auto-populated or blank on XXXX  ] Last Reported Balance : {$280.00} Last Payment : XX/XX/XXXX Charge-Off Date Listed : XX/XX/XXXX CO status wrongly reporting through XXXX Why this is a violation : 1. I do not recognize this account and have no record of ever opening or authorizing a Discover secured credit card. This account is not mine and should not be associated with my credit profile.

2. Even if this were mine ( which it is not ), reporting a charge-off status for over 35 months post-closure violates the Fair Credit Reporting Act ( FCRA ). This account was closed and charged off, yet the data furnisher continues to update it as if it is actively delinquent, which re-ages the account, artificially damaging my score.

Legal Grounds for Deletion : FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] : Limits how long negative accounts may be reported. Re-aging or falsely extending derogatory reporting is prohibited.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires XXXX  and furnishers to ensure maximum possible accuracy. Reporting monthly charge-offs on a closed account is inaccurate and misleading.

FCRA 611 [ 15 U.S.C. 1681i ] : I have disputed this with the credit bureau and the furnisher. If the item can not be verified with proper documentation, it must be deleted.

FCRA 602 ( A ) : I have a right to fair and equitable treatment of my credit profile and to be free from the reporting of accounts not legally attributable to me. 

Requested Resolution : I am requesting that the entire Discover Card tradeline be permanently deleted from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ) immediately. 

This account is : Not mine Not authorized Being inaccurately and illegally re-aged Negatively impacting my credit score and financial opportunities Attachments : Screenshots from XXXX  showing the account history and balance Photo ID and proof of identity Credit report excerpts reflecting the errors Please treat this matter with urgency. I respectfully ask the CFPB to investigate this violation and hold the data furnisher and credit bureau accountable under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I want these accounts removed immediately from my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
In XX/XX/XXXX, I resolved an account with MEI Auto Finance Inc that had been wrongly reported as a charge-off, despite my clear understanding that the account had been paid nearly XXXX years earlier. 

I totaled the vehicle on XX/XX/XXXX, and had collateral protection insurance through XXXX XXXX XXXX XXXX A representative from the company informed me that my only financial responsibility would be a {$250.00} deductible, and that once paid, the insurance would take care of the rest. I paid the {$250.00} on XX/XX/XXXX. 

I received no communication from MEI Auto Finance Inc over the next several years indicating that a balance remained or that the account was in default. Then in XXXX, I discovered the account was being reported as a charge-off, with multiple late payments, which significantly harmed my credit. 

I contacted MEI Auto Finance Inc to resolve the issue and was told that I needed to pay an additional {$250.00}, which I had never been notified about. Despite the vague and unprofessional nature of this new charge, I paid it in good faith after receiving written confirmation from MEI Auto Finance Inc that once the payment was made : The charge-off status would be removed All late payments and derogatory remarks would be corrected or deleted Despite this agreement, both Equifax and Experian continue to report the account as a charge-off, and show late payment history. I disputed the information with Equifax, and the account was merely marked as verified, with no changes made. 

This behavior by MEI Auto Finance Inc violates several sections of the Fair Credit Reporting Act ( FCRA ), including : XXXX ( b ) Furnishers must report accurate and complete information XXXX ( a ) ( XXXX ) Furnishers have a duty to correct and update any inaccurate or incomplete information theyve reported XXXX ( a ) ( XXXX ) ( A ) It is unlawful to report information a furnisher knows or should know is inaccurate Further, this situation may also fall under deceptive business practices in violation of federal law and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) due to : Misrepresentation of the settlement terms Failure to notify me of any remaining balance Promising to update or delete negative credit reporting, then failing to follow through I respectfully request that : The inaccurate information be fully corrected or removed from all credit reporting agencies The account be updated to reflect that it is paid and closed, with no late payments or charge-off status A full review be conducted into XXXX XXXX XXXX XXXX XXXX XXXX the FCRA and XXXX Texas 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 2025-07-06 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX XXXX XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-06 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:
This is a XXXX-round escalation regarding an unresolved dispute I submitted on XX/XX/XXXX, under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ). 

I am disputing XXXX inaccurate XXXX late payments being reported on my XXXX XXXX XXXX credit card account XXXX for XX/XX/XXXX and XX/XX/XXXX. Despite submitting a full dispute packet by mail, Equifax failed to conduct a meaningful reinvestigation or provide any documentation supporting the continued reporting of these derogatory entries. 

Equifax responded with a generic verified as accurate statement but did not : - Provide any documents from the furnisher XXXX XXXX  XXXX XXXX ), - Disclose the procedure used in the reinvestigation, - Address the context or supporting facts included in my original dispute. 

According to FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ), a credit bureau is required to provide a description of the procedure used to determine the accuracy of disputed information, as well as the name and contact details of the furnisher who verified it. None of this was included in XXXX response. 

It appears Equifax did not conduct a legally compliant reinvestigation and instead relied on an automated update process. This has resulted in the continued reporting of inaccurate derogatory marks, without proper verification or substantiated evidence. 

I am not disputing the account itself. I am only requesting the removal of XXXX specific inaccurate derogatory entries ( XXXX lates from XXXX and XX/XX/XXXX ). The account has otherwise been in good standing. 

XXXX failure to reinvestigate properly is causing continued harm to my credit profile and violates its obligations under FCRA XXXX ( a ). 

I am requesting CFPB XXXX and action to ensure Equifax either : - Provides full documentation and evidence supporting the reporting of these late payments ; or - Removes the derogatory entries due to lack of proper verification and failure to comply with FCRA requirements. 

I also request that this complaint be published on the CFPBs public database for the benefit of other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> XXXX XXXX ( Acct XXXX ) RE : XXXX XXXX XXXX XXXX Number : N/A Amount Reported : {$2500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : XXXX. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
XXXX. The original signed contract or agreement bearing my signature that legally binds me to this obligation. 
XXXX. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
XXXX. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
XXXX. A copy of the Pooling and Servicing Agreement ( XXXX ) if this debt was securitized, including the Schedule of Loans or Receivables. 
XXXX. The name, address, and XXXX of the current creditor or trust that legally owns this account. 
XXXX. Copies of XXXX XXXX  XXXX or XXXX, if applicable. 

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within XXXX  days XXXX result in a complaint being filed with the CFPB, FTC, and the XXXX XXXX XXXX XXXX. 

Sincerely, 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