vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CO

Complaint narrative:
I paid off the card balance in FULL on XXXX  and closed card. Discover is STILL charging me interest and late fees on an account PAID AND CLOSED. It is theft and FRAUD to charge interest on nothing! The card has been paid! Discover won't talk to me because my account had a debt consolidation name on it that I NO LONGER USED. I severed the debt consolidation company in XX/XX/scrub>XXXX XXXX. DISCOVER IS MAKING IT EXTREMELY DIFFICULT TO DISPUTE AND I PAID THIS CARD OFF SEVERAL MONTHS AGO! I REFUSE TO PAY THIS TO DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-29 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I respectfully request that you reinvestigate this item and correct or remove it from my credit report as appropriate. 

Please find enclosed copies of documents supporting my dispute, including proof of identity and any records related to this account. 

Once your investigation is complete, please send me a written statement of your findings along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
I am a documented victim of identity theft. I recently obtained a copy of my credit report and identified XXXX or more hard inquiries that were made without my knowledge, authorization, or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit with the company or companies that initiated these inquiries, nor did I provide written consent for them to access my consumer file. 

In accordance with 15 U.S. Code 1681b, consumer reports may only be accessed for legitimate, permissible purposes. These inquiries do not meet that standard. I have submitted a valid Identity Theft Report, as well as supporting documentation ( including proof of identity and address ), to the credit bureaus and am requesting that these unauthorized inquiries be permanently removed from my credit report under 15 U.S. Code 1681c-2. 

I am also asking the CFPB to assist in ensuring that the credit reporting agencies and any entities that initiated the unauthorized inquiries comply with their legal obligations, and that the fraudulent items are promptly blocked from my file within the required timeframes. 

Would you like me to tailor this to a specific company or inquiry you're disputing

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 2025-06-29 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: CT

Complaint narrative:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CT

Complaint narrative:
What happened : XXXX I submitted a formal debt validation request to TrueAccord on XX/XX/year> ( email attached ), regarding an alleged debt for XXXX XXXX XXXX. Under the FDCPA, 15 U.S.C. 1692g ( b ), they are required to cease all collection activity until providing proper validation. They acknowledged receipt on the same date ( email attached ) and stated they paused collection. However, they resumed sending collection emails on XX/XX/year> ( emails attached ), without providing any validation. They have not provided documentation proving I owe the alleged debt or showing how the amount was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
RE : CEASE AND DESIST DEMAND Unlawful Credit Reporting / Collection Practices To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from all further attempts to contact me regarding the alleged debt/account referenced below : I am asserting my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) and/or the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). You are hereby notified to stop all communication with me, my family, and my employer regarding this matter, effective immediately. 

If this debt is being reported to any credit reporting agency ( e.g., XXXX XXXX XXXX ), and it is inaccurate, unverifiable, or being reported without proper validation, you must take immediate steps to correct or remove this information. Continued reporting of false or unverified debt is a direct violation of federal law. 

You are required to : XXXX. Cease all forms of communication with me regarding this matter, including phone calls, emails, letters, or messages to third parties. 
XXXX. Cease reporting inaccurate or unverifiable information to any credit bureau. 
XXXX. Provide written verification of the alleged debt within 30 days, if you intend to pursue collection, per 15 U.S.C. 1692g.

If you fail to comply, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or taking legal action to recover statutory damages, court costs, and attorneys fees. 

This letter is being sent via [ certified mail/email/fax ] and serves as written notice under applicable federal and state laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
I have identified multiple errors on my credit report and contacted Experian in an effort to resolve these issues. Despite my attempts, Experian has failed to comply with FTC regulations, and has refused to correct the inaccuracies. This constitutes a clear violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Experian requesting the correction of multiple inaccurate personal identifiers on my credit file. I included all necessary documentation : a government-issued ID, Social Security card , and a utility bill as proof of address. 

Despite providing this information, Experian has failed to correct the following issues more than XXXX XXXX later : Multiple incorrect name variations are still listed Outdated and inaccurate addresses are still on file An incorrect Social Security number is associated with my file A spouse/co-applicant is listed on my credit report, which is inaccurate I have never applied jointly for credit or authorized a co-applicant to be reported This constitutes a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The continued reporting of incorrect personal information is also a violation of my rights under 15 U.S.C. 1681g, which ensures my right to accurate file disclosure.

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 2025-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
I asked Maury Cobb for account verification for a fake XXXX account and even asked them for a settlement amount just so I can get it off my credit report as its holding me up from getting my house loan, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
Debt collector filed a claim against me on the behalf of XXXX XXXX XXXX XXXX. The company failed to file additional information so the court sent me a post card stating the case will be dismissed 28 days from the date of this notice. I called the court and was told I won my case and its a paid postage stamp for proof and keep the care for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am filing a compliant because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within XXXX  days neither of them have proved sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am filing a compliant because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within XXXX  days neither of them have proved sufficient evidence to support the negative reporting.

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 2025-06-28 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:
I am filing this complaint because Equifax is willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, unverifiable, and duplicate information on my credit report. Despite initiating disputes, Equifax has failed to correct these errors or provide any validation as required by law. These inaccuracies are seriously damaging my credit score, credibility, and access to financial opportunities. 

Below are the specific items of concern : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$32000.00} This account is reporting derogatory payment history without validation. I have not received any documentation, statements, or contracts to support this reporting. Under FCRA 609 ( a ), I have the right to request the method of verification. Since Equifax has failed to provide such evidence, this item is now unverified and must be removed under FCRA 611 ( a ) ( 5 ). 

XXXX. XXXX XXXX Late Payment ( Duplicate Entry ) Date Opened : XX/XX/XXXX | Balance : {$16000.00} This same account appears twice on my Equifax report, which is misleading, inflates my total debt, and violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. The duplicate entry also misrepresents my financial obligations and damages my credit profile. 

XXXX XXXX XXXX XXXX XXXXXXXX Charge-Off Date Opened : XX/XX/XXXX | Balance : {$6700.00} This charge-off remains on my report without any form of validation. I have never received the original account contract, billing statements, or legally required documentation to prove this debt belongs to me. According to FCRA 609 ( a ) ( 1 ), Equifax is obligated to obtain and provide proof upon dispute. Since they failed to comply, this entry must be removed under FCRA 611. 

XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I did not authorize this hard inquiry. I never applied for any credit with XXXX XXXX on or around this date. Allowing a hard inquiry to appear without my written consent or a permissible purpose is a direct violation of FCRA 604 ( a ) ( 2 ) and 604 ( f ). This inquiry negatively impacts my credit and was done without legal authorization.

Equifax has failed to maintain accuracy, failed to respond properly to disputes, and allowed unauthorized access to my credit file. These actions are harmful and unacceptable. I respectfully request the CFPB to take immediate action to ensure my rights under the FCRA are upheld and my credit report is corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Paid off the final credit card payment, then " Apple '' company still charge me another payment later on without notice. I have reported this to the XXXX credit bureau, still waiting for the results, I can not shut it down, don't even understand how this is happening to me, this is affecting my current credit score with a massive impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am requesting the immediate removal of a closed XXXX XXXX XXXX XXXX  account ( ending in XXXX ) due to inaccurate, outdated, and damaging reporting. 

This account was settled in full, with {$420.00} written off, and shows as closed as of XX/XX/year>. Despite this, XXXX XXXX continues to report it as a charge-off ( CO ) for XXXX consecutive months, including well after resolution. 

I have already filed a dispute with Experian, and they failed to properly correct or remove the negative remarks. This violates the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to only report accurate, complete, and up-to-date information. 

This prolonged CO reporting is : Misleading and damaging to my credit A form of re-aging the account through repetitive derogatory marks Punitive, given that the debt was already resolved I was not notified of these continuous CO entries. The FCRA ( Section 611 & 623 ) gives me the right to accurate reporting, and this account does not meet that standard. 

I am requesting : Immediate removal of the entire tradeline from all XXXX credit bureaus Please hold XXXX XXXX accountable for fair reporting practices and help ensure my credit file reflects accurate and lawful information.

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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: FL

Complaint narrative:
A default judgment in the amount of {$31000.00} was entered against me in a lawsuit filed by XXXX XXXX XXXXXXXX, successor by merger to Discover Bank, and represented by XXXX XXXX XXXX. I believe the debt collection and legal action were pursued without valid documentation or proper assignment. 

The bill of sale provided does not include my name or account number, and the law firm has filed a court document that is not notarized. Additionally, the merger between Discover and XXXX XXXX ( effective XX/XX/year> ) raises serious concerns about who owns the debt and whether it was lawfully assigned. 

No full validation of the debt was provided before legal action was taken, and I am now requesting an investigation to confirm whether the firm had the authority to sue or collect. Supporting documents, including the final judgment, bill of sale, and merger evidence, are attached. 

I am asking that the CFPB intervene to : Pause or review enforcement of the judgment Require full validation and legal documentation Remove or correct any credit reporting related to this matter I respectfully request resolution within 15 business days of this submission. If the matter is not corrected in that time, I reserve the right to seek further legal remedies and escalate to state or federal enforcement channels.

Company response to consumer: Closed with non-monetary relief