vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting to formally dispute and request the immediate removal of fraudulent items that have appeared on my credit report. Upon careful review, I identified several accounts that I did not authorize, open, or recognize. Based on the information available, I have reason to believe that my personal identifying information has been used fraudulently without my consent. 
The following accounts are fraudulent and should be removed immediately from my credit report : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These items were not opened or authorized by me. Therefore, I request that conduct an expedited investigation in accordance with the FCRA and remove the reporting of these items from my credit file. If you believe any of the listed items are legitimately associated with me, please provide copies of all supporting documentation, including signed applications, contracts, or any records bearing my verified signature.

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 2025-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting to formally dispute and request the immediate removal of fraudulent items that have appeared on my credit report. Upon careful review, I identified several accounts that I did not authorize, open, or recognize. Based on the information available, I have reason to believe that my personal identifying information has been used fraudulently without my consent. 
The following accounts are fraudulent and should be removed immediately from my credit report : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These items were not opened or authorized by me. Therefore, I request that conduct an expedited investigation in accordance with the FCRA and remove the reporting of these items from my credit file. If you believe any of the listed items are legitimately associated with me, please provide copies of all supporting documentation, including signed applications, contracts, or any records bearing my verified signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a few inaccurate this compliant is a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S.

Code 1681i and 1681e ( b ), which requires accurate and verifiable reporting. I am demanding the permanent deletion of the following item ( s ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts is fraudulet unverifiable, and you are legally obligated to investigate and remove any unverifiable or erroneous data. If you can not provide proof of the accuracy, this information must be deleted within 30 days.

Please also provide me with the method of verification, including the name and contact information of the party you contacted during the reinvestigation.

Failure to comply with these requirements may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil action under FCRA.

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 2025-10-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a few inaccurate this compliant is a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S.

Code 1681i and 1681e ( b ), which requires accurate and verifiable reporting. I am demanding the permanent deletion of the following item ( s ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts is fraudulet unverifiable, and you are legally obligated to investigate and remove any unverifiable or erroneous data. If you can not provide proof of the accuracy, this information must be deleted within 30 days.

Please also provide me with the method of verification, including the name and contact information of the party you contacted during the reinvestigation.

Failure to comply with these requirements may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil action under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal XXXX {$510.00} Reported : XXXX XXXX, XXXX XXXX XXXX XXXX {$1400.00} Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX  {$590.00} XXXX Reported : XXXX. XXXX, XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 2025-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account was fraudulently assigned and linked to identity theft activity connected to the TransUnion data breach. It violates 605B and 1681c-3 of the FCRA. 
Remove and block all reporting for this collection account immediately. Provide any signed authorizations or original creditor contracts you are relying upon for verification. If none exist, permanent deletion is required within XXXX ( XXXX ) days or legal proceedings will be initiated.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has stopped updating my credit score on XX/XX/year>. Usually they update my credit score every day just like Trans Union and XXXX  does. But on my transunion report on XXXX XXXX they stopped monitoring my daily recent changes/previous XXXX  score changes which are supposed to be updated on a daily basis. I dont know why they stopped monitoring my credit score on a daily basis, but they need to start updating it again as their last update/recent change, reflecting my daily credit score was back on XX/XX/XXXX of XXXX  and right now its XX/XX/year>. See attachments.

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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against TransUnion regarding inaccurate and/or misleading information reported about me that XXXX XXXX  relied upon to decrease my credit line. The information TransUnion provided appears faulty and does not align with my actual credit profile. I am requesting a full reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Details : On or about XX/XX/year>, I received a notice from XXXX XXXX  that my credit line was decreased based on information obtained from TransUnion. 
The notice indicated a TransUnion credit score of XXXX in XXXX, which is not accurate. 
The notice also listed adverse reason codes, including too few joint accounts, too many revolving open accounts, and too many bank cards. These statements are inaccurate and/or misleading. I do not have too many revolving open accounts or bank cards, and I do not understand what too few joint accounts refers to in this context. 
I have had ongoing issues with both XXXX XXXX  and TransUnion since the beginning of this year regarding the accuracy and handling of my credit information. 
The combined effect has been harmful, including an unjustified reduction to my available credit. 
Requested actions : XXXX. Provide me with a free copy of my full TransUnion file disclosure and the exact score and scoring model delivered to XXXX XXXX  for the relevant XXXX date, including all score factor codes. 
2. Conduct a reinvestigation under FCRA 611 covering all tradelines, personal information, inquiries, and any data that could cause a XXXX score or the cited reason codes. 
XXXX. Identify the specific open revolving accounts and bank cards TransUnion counted, and correct any inaccuracies, mixed-file issues, duplicate accounts, outdated/obsolete items, or misclassified accounts. 
XXXX. If any data reported by a furnisher is unverifiable or inaccurate, delete or correct it and prevent reappearance pursuant to FCRA 611 ( a ) ( 5 ). 
XXXX. Provide the method of verification for any items you deem accurate after reinvestigation, including furnisher names, dates, and evidence reviewed. 
XXXX. Once corrected, transmit updated data to XXXX XXXX  and all recipients, and confirm in writing that the erroneous factors contributing to the adverse action have been corrected. 
XXXX. Provide written confirmation of all corrections, deletions, and the final verified score/factors following reinvestigation. 
I am attaching the adverse action notice from XXXX XXXX, and identification documents. Please treat this as both a CFPB complaint and a formal dispute/reinvestigation request to TransUnion under the FCRA. 
Thank you for your prompt attention.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing this complaint regarding US Bank 's failure to honor two promotional offers that I received and fully complied with. 

On XX/XX/2025, and XX/XX/2025, US Bank sent me two separate promotional emails ( attached ). Each promotion stated that if I paid two or more recurring bills by the specified dates ( XX/XX/XXXX and XX/XX/XXXX, respectively ), I would receive a {$25.00} cash reward for each offer. 

I completed all the requirements as stated in those promotional emails. However, after the deadlines passed, the bank failed to issue the promised rewards. When I contacted them to investigate, they responded with a letter ( attached ) denying my eligibility. 

In their response, the bank cited additional conditions that were not part of the original promotional terms, including : The recurring bill payment must be new and not with a merchant that was previously set up on the account. Online payments arent eligible for this promotion. 

These conditions were never mentioned in the promotional emails or any accompanying terms and conditions. By adding new requirements after the fact, the bank effectively refused to honor its own advertised offer, which I believe constitutes misleading and deceptive marketing.

I am requesting that the CFPB review this case and ensure that US Bank honors the original promotional terms and credits me the two {$25.00} rewards that were promised.

Attachments include : Copies of the two promotional emails from XX/XX/XXXX and XX/XX/2025. 

The banks response letter denying the rewards. 

Thank you for your time and attention to 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 2025-10-29 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: NV

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Guild Mortgage Acct # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal written request for debt validation and disclosure of all records related to this alleged account. My request included demand for : The original signed agreement bearing my signature. 

The complete payment history and audit trail. 

Documentation showing legal right to collect and report this debt. 

Disclosure of all sources and furnishers reporting to the credit bureaus, as provided under FCRA 609 ( a ) ( 1 ) and 609 ( a ) ( 2 ). 

To date, Midland Credit Management has failed to provide any lawful validation or disclosure, violating my rights under both federal laws. Despite this failure, the company continues to report the account to Experian, Equifax, and TransUnion, damaging my credit and reputation. 

Alleged Violations Fair Debt Collection Practices Act ( FDCPA ) 1692d Harassment or abuse : By continuing to report and pursue an invalid debt, the company has caused reputational and emotional harm.

1692e False or misleading representations : MCM has misrepresented the validity and ownership of this alleged debt.

1692g Validation of debts : The company failed to validate the debt upon written request.

1692j Furnishing deceptive forms : MCM used or furnished deceptive documentation giving the appearance of lawful collection authority. 

Fair Credit Reporting Act ( FCRA ) 609 ( 15 U.S.C. 1681g ) Right to disclosure : XXXX and the credit reporting agencies failed to provide full disclosure of all information in my credit file and the source of the data being reported.

1681b Permissible purpose : MCM had no permissible purpose to access or furnish information about me.

1681i Reinvestigation of disputed information : They did not properly reinvestigate or correct the inaccurate reporting.

1681s-2 ( a ) Duty to provide accurate information : MCM knowingly furnished inaccurate data to the credit bureaus. 

Impact As a direct result of these violations, I have suffered credit score damage, financial hardship, emotional distress, and loss of opportunities for credit and employment. The companys actions constitute a willful and negligent disregard for federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal XXXX {$510.00} Reported : XXXX XXXX, XXXX XXXX XXXX XXXX {$1400.00} Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX  {$590.00} XXXX Reported : XXXX. XXXX, XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation