vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am disputing the accuracy of a Discover Card tradeline reported on my credit file, associated with account number ending in XXXX. The account status reflects a charge-off as of XX/XX/XXXX, but this is inconsistent with the documented delinquency timeline. I have proof of my last payment made in XX/XX/XXXX, and the account became delinquent immediately following that payment. 

According to the Fair Credit Reporting Act ( FCRA ) : 605 ( c ) prohibits reporting accounts more than seven years from the original delinquency date 623 ( a ) ( 5 ) requires furnishers to accurately report the date of first delinquency The payment history also contains numerous ND ( No Data ) entries and skips several months, violating the FCRA 's standards for accurate and verifiable reporting. Additionally, Discover failed to provide full verification documentation upon request and reinvestigated without resolving the discrepancy. 

I am requesting that the CFPB hold Discover accountable for : Unlawful re-aging of the tradeline Failure to provide proper verification and reinvestigation results Ongoing harm to my credit profile due to inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-29 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: MI

Complaint narrative:
On XX/XX/year>, I submitted an FTC Identity Theft Report, along with supporting documents ( including proof of identity and a detailed statement excluding the XXXX XXXX XXXX account ( balance of XXXX ) as mine ). I sent this to all three major credit bureaus. 

Both XXXX  and XXXX  complied with the law and removed the account. However, Equifax has willfully refused to remove it, despite having received the exact same legally sufficient documentation. 

After follow-up calls with Equifax, XXXX was instructed to submit a new FTC report XXXX which I did on XX/XX/year> including updated supporting documents. Instead of complying, Equifax now falsely claims the new report is invalid, even though it meets all FCRA requirements. 

This continued refusal has caused me : Emotional distress from being forced to relive and re-defend my identity repeatedly Financial harm due to lost credit opportunities and being denied access to accounts and offers Ongoing damage to my legitimate credit profile, which I have worked diligently to restore Equifax is in clear violation of FCRA Section 605B, which states that upon receipt of a valid identity theft report, the consumer reporting agency must block the fraudulent account within XXXX business days. 

I am requesting : Immediate removal of the fraudulent Credit Acceptance account from my Equifax credit file A written explanation for their repeated refusals Assurance that no future inquiries or reinsertions will be made regarding this account I have attached : Original and updated FTC Identity Theft Reports Supporting documentation ( ID, utility bill, letters ) Screenshots/emails showing Equifaxs responses and refusal I am prepared to escalate this matter with legal action under the FCRA if it is not promptly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I'm reaching out to express my frustration and concern regarding a recent issue with my American Express account. Despite consistently making on-time payments and paying down {$5000.00} on my balance as recently as XXXX, I was recently informed that I had to pay {$1300.00} within three days or face a reduction in my credit limit which would further impact my credit score.

Unfortunately, my credit score had already seen a minor decrease due to a small oversight, and this additional pressure felt unnecessary given my strong payment history. I requested just a few extra days to complete the {$1300.00} payment through a balance transfer to lessen the financial strain, but was told there were no options or flexibility available.

I find this extremely discouraging, especially as a loyal customer who has demonstrated responsibility and made real progress on my account. I hope American Express will consider offering more collaborative solutions in cases like this, rather than resorting to actions that further penalize customers trying to stay in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: DE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company 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 2025-07-29 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: LA

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

Company 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 2025-07-29 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: NY

Complaint narrative:
Incorrect address ; Address never belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect address ; Address never belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX2025 i noticed on my consumer report that a bankruptcy appeared on my credit report... case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Several years ago, my vehicle was towed. I immediately contacted Regional Acceptance Company and told them where the vehicle was and instructed them to retrieve it. They failed to act, and as a result, the car was left in the tow yard, accumulated fees, and was eventually disposed of.

Despite my notification, Regional Acceptance never took steps to recover the vehicle. Now they are reporting a defaulted loan on my credit report, which I believe is inaccurate. 

I have disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and am also notifying the CFPB because Regional Acceptance is reporting a debt that resulted from their own negligence. I am requesting that this account be removed from my credit report entirely.

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 2025-07-29 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, 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 Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my 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 2025-07-29 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-29 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: IN

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXI sent a certified letter to Experian on XXXX with tracking #XXXX XXXX XXXX XXXX XXXX XXXX   it shows the delivery date of XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX (account # XXXX)XXXXExperian failed to respond. I sent another letter on XXXX  which they failed to respond once again.'

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 2025-07-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a second formal complaint against Equifax regarding its failure to properly investigate and correct inaccurate credit reporting, as documented in CFPB XXXX # XXXX. On XX/XX/XXXX, Equifax responded claiming the account was " verified '' and only adjusted the closed date. However, they failed to provide any documentation, such as a contract, billing history, name of the furnisher, or Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

The account ( XXXX XXXX ) is still being reported as " Open '' and " 120 Days Late '' as of XX/XX/XXXX, despite no activity since XXXX. This is a clear case of unlawful re-aging in violation of FCRA 1681e ( b ), and no debt validation was provided as required under FCRA 1681s-2 ( b ). If the account is charged-off, no 1099-C has been disclosed, which also raises IRS 6050P compliance issues . 

I have also filed a complaint with the FTC under Report # XXXX. I request immediate escalation and enforcement by CFPB to ensure Equifax deletes or fully corrects the XXXX XXXX tradeline, and provides all required documentation and legal justification. Failure to do so will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX submitting a formal complaint against JPMorgan Chase Bank for inaccurate and misleading credit reporting practices related to a closed credit card account. 

This account is listed as XXXX XXXX with a balance of {$5500.00} and a final payment date of XX/XX/XXXX. However, the payment history reflects XXXX potentially negative months, including charge-off codes extending into XX/XX/XXXX, which misrepresents the actual delinquency timeline and appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : My first late payment occurred in XX/XX/XXXX, not XXXX or later. Furnishers are required under FCRA 623 ( a ) ( 5 ) to report the correct date of first delinquency. Reporting a later date may constitute unlawful re-aging.

The payment history contains multiple ND ( No Data ) entries, which create an incomplete and inconsistent record. This violates FCRA 1681e ( b ), which mandates maximum possible accuracy in credit reporting. 

The account shows no verified payment activity since XXXX, yet charge-off status continues for years beyond the closure. My Experian credit report dated XX/XX/XXXX, supports these discrepancies and shows the tradeline is being maintained beyond its lawful reporting window. 

My previous dispute was not adequately resolved. The company failed to provide documentation supporting the continued charge-off status or the delinquency history, in violation of FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

Company response to consumer: Closed with non-monetary relief