vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
I have called 5 times, was told someone would call me back and nothing ever happens. The standard reply is I can submit a complaint, but nothing is ever done. I have tried to file with the credit agencies, but I am told its correct. 

On XX/XX/XXXX, I contacted Discover Card regarding my past-due balance that was due that day. I was assured by their representative in chat that if I made two payments of {$220.00} - one on XX/XX/XXXX and the second on XXXX my account would not be reported late to the credit bureaus. The representative specifically stated : " Okay, I completely understand now we can work on the first two payments, and you can get back to us for XXXX payment okay, I don't want this account to report past due to credit bureaus, if this does work I can do {$220.00} today and then XX/XX/XXXX okay? '' Following this agreement, I made both payments exactly as instructed. Despite fulfilling the arrangement, I was later notified that my account had been reported as 30 days late.

I have since contacted Discover Card more than five times. Each representative I spoke with confirmed that the chat documentation clearly shows I was misadvised and that my late payment reporting should not have occurred. They filed internal complaints, but the error has not yet been corrected on my credit file. I have been advised that people would call me back and they never have.

Because I acted in good faith, followed the payment plan provided by Discover Card, and have evidence that I was told this account would not be reported as
late, I respectfully request that the inaccurate 30-day late mark for XX/XX/XXXX, be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NM

Complaint narrative:
I was a confirmed participant in the XXXX XXXX XXXX  Class Action Settlement ( Case No. XXXX ) approved by the U.S. District Court in XXXX XXXX Under that settlement, my private student loan ending in XXXX was fully discharged and dismissed effective XX/XX/year>. 

Despite this, XXXX and/or its affiliated reporting entities continue to verify this account as active or delinquent with one or more credit bureaus. This is inconsistent with XXXX internal records and violates the Fair Credit Reporting Act. 

I am attaching a letter from XXXX Compliance & Account Services Department, confirming that my account was formally discharged and dismissed in full under the class action settlement and should not appear on any consumer credit report.

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 2025-10-22 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: NM

Complaint narrative:
I was a confirmed participant in the XXXX XXXX XXXX Class Action Settlement ( Case No. XXXX ) approved by the U.S. District Court in XXXX XXXX Under that settlement, my private student loan ending in XXXX was fully discharged and dismissed effective XX/XX/year>. 

Despite this, XXXX and/or its affiliated reporting entities continue to verify this account as active or delinquent with one or more credit bureaus. This is inconsistent with XXXX  internal records and violates the Fair Credit Reporting Act. 

I am attaching a letter from XXXX Compliance & Account Services Department, confirming that my account was formally discharged and dismissed in full under the class action settlement and should not appear on any consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
Violation of FCRA Section 605b, and 12 CFR 1006.34 ( C ) ( 4 ) ( L ). COLLECTION ACCOUNT : 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 explanation
Consumer complaint received 2025-10-22 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Several credit inquiries have been made in my name without my knowledge, consent, or authorization. I did not apply for credit with these companies, yet they have accessed my credit report, which has negatively affected my credit score. I previously contacted the bureau, and a representative assured me that these fraudulent inquiries would be deleted, but they remain on my report, causing unnecessary anxiety and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding a collection account that has been inaccurately and improperly reported to my credit file by Transworld Systems Inc. on behalf of XXXX XXXX XXXX in the amount of {$3000.00}. 

I was never notified by XXXX XXXX XXXX  or Transworld Systems Inc. of any alleged outstanding balance. I did not receive an itemized invoice, written notice, or any correspondence by mail, email, or phone prior to this debt being reported to the credit bureaus. This means I was not given a fair or legal opportunity to review or resolve the alleged balance before it damaged my credit. 

Upon discovering the entry on my credit report, I proactively reached out to Transworld Systems Inc. directly. During this communication, I requested : An itemized invoice detailing the alleged balance. 

Proof that the debt belongs to me, including the original date of service and charges. 

Documentation showing that proper notice or attempts to contact me were made prior to credit reporting. 

Removal of the entry from my credit if proof could not be provided. 

Transworld Systems Inc. refused to provide any supporting documentation or validation of the debt. Instead, they stated that I would be required to pay the balance in full in order to have the account removed from my credit report. This is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require proper validation of debt before collection or reporting. 

Because of this reporting, my credit has been significantly damaged, and it is directly impacting my ability to secure housing. I was denied the opportunity to dispute, validate, or rectify this alleged debt prior to its appearance on my credit file. 

Accordingly, I am requesting that the CFPB investigate this matter and take appropriate action to have this collection account immediately removed from my credit reports with all major credit bureaus. 

Specifically, I request that the collector and original creditor provide : A complete, itemized statement of the alleged {$3000.00} debt. 

The original date of service and a breakdown of all charges or fees. 

Proof of proper notification and attempts to contact me prior to credit reporting. 

A copy of any lease termination statement or invoice that was supposedly sent to me. 

If they are unable to provide this documentation or validate the debt, I am requesting immediate removal of the entry from my credit file. 

This has caused unnecessary hardship, and I respectfully ask for prompt review and resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
XXXXSofia RodriguezXXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear ExperianXXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, includingXXXXCopy of IDXXXXSSN\XXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for Action:XXXX1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureausXXXX  Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframeXXXXXXXX. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordinglyXXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXLegal NoticeXXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to [Your Address/Email]XXXXSincerelyXXXXSofia Rodriguez'

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 2025-10-22 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: TX

Complaint narrative:
This complaint to EQUIFAX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 ask that this unauthorized inquiry be deleted right away. I have no prior connection or transactions with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OK

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I scheduled my auto payment well before the due date using my XXXX XXXX XXXX checking account, which has always worked fine. For some reason, Barclays system failed to process the payment this is not my fault, as my XXXX account is active and in good standing. 

As a result, my payment is now past due, which is extremely distressing and may harm my credit score. I have spent hours trying to contact Barclays to resolve this issue, but the automated phone system only loops me through payment options that dont work. I am never able to reach a human agent. 

I have only XXXX bank account ( XXXX XXXX  XXXX ), and your system is blocking it for reasons that have not been explained. Ive tried every available contact method website, app, and phone with no success. 

I am urgently requesting that : My XXXX XXXX XXXXXXXX account be reinstated as a valid payment source. 

Any late fees, penalties, or negative credit reporting resulting from this be removed. 

I be contacted by a human representative who can help resolve this immediately. 

It is unacceptable that a customer can not reach support to make a valid payment. Please take action to fix this and confirm that my account will not be negatively impacted due to this system error.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A fraudulent and unauthorized collection account was reported to my credit file with XXXX on or around XX/XX/year> in the amount of {$640.00}. This account is not mine, is under an incorrect name, and I have no contractual relationship with the original creditor or any affiliated collection agency. 

I submitted a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) and my rights under the Fair Credit Reporting Act ( FCRA ). To date, the furnisher has failed to provide any legally required validation or documentation proving this debt is mine. Reporting a debt without validation constitutes a direct violation of 15 U.S.C. 1692g ( b ) and FCRA 623, as the information remains on my credit file despite lack of proof. 

The continued reporting of this unverified and inaccurate account is willful noncompliance with federal law and is causing measurable harm to my creditworthiness. This is not a matter of a dispute over terms, this is an unauthorized, unvalidated, and fraudulent entry. 

I am demanding immediate deletion of this account from my credit report. If the furnisher and TransUnion fail to comply, this will be escalated for further regulatory action and potential civil remedies under FDCPA and FCRA. I expect full documentation of any alleged debt or confirmation of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have a freeze on my XXXX XXXX XXXX  synchronicity credit card yet, they let XXXX XXXX XXXX do an unauthorized charge for a membership fee that I never authorized. This does not even seem legal.

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 2025-10-22 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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