vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am filing this complaint regarding a charged-off Discover credit card account ( Account ending in XXXX / XXXX ) that is being reported inaccurately to XXXX  and XXXX. 
This account was last active in 2019, and the Date of First Delinquency likely occurred that year or earlier. As such, the account is approaching or has passed the 7-year reporting limit per FCRA 605 ( a ).

Additionally : The account is still listed as derogatory with a {$5500.00} balance, even though it has been charged off. 
The account has been marked as disputed by consumer but has not been validated or corrected. 
This tradeline is not reported to XXXX, which shows inconsistent and incomplete furnishing under FCRA 607 ( b ).

Despite my dispute and multiple CFPB complaints involving related accounts, Discover has failed to validate this account or provide documentation to justify ongoing reporting.

I am requesting the permanent deletion of this Discover credit card account from TransUnion and Experian due to its age, inaccurate status, and lack of proper validation in accordance with FCRA 605 ( a ), 611 ( a ), and 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: WI

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

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 2025-06-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX Please seen me a full CLUE FILE REPORT FROM XXXX XXXX, TRANS UNION XXXX XXXX  XXXX I have some accounts on my file that i do not recognize. I am requesting a Security PIN as well. Please see my attached documents.

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 2025-06-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX Please seen me a full CLUE FILE REPORT FROM XXXX XXXX, XXXX XXXX XXXX EXPERIAN XXXX I have some accounts on my file that i do not recognize. I am requesting a Security PIN as well. Please see my attached documents.

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 2025-06-20 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:
Several accounts on my credit report are the result of identity theft. I did not initiate these accounts. I request that they be deleted per 15 U.S. Code 1681g within 15 days. Evidence supporting my claim is attached.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I want to make it absolutely clear that this complaint is intentional and valid. My credit report contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These reporting errors are having a serious and ongoing impact on both my financial stability and personal well-being. 
This situation is placing an unfair burden on me during an already challenging time, and it must be addressed immediately.

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 2025-06-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents.

Phone Numbers : Several outdated numbers are still listed, which are no longer in use.

Social Security Number & Date of Birth : Not adequately protected or redacted.

Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies.

Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

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 2025-06-19 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: MO

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents.

Phone Numbers : Several outdated numbers are still listed, which are no longer in use.

Social Security Number & Date of Birth : Not adequately protected or redacted.

Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies.

Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

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 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and XXXX  student loan debt in full. 
Breech of FERPA

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block 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. The fraudulent inquiries ( charge-off accounts, collections ) I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
Also, I obtained a copy of my credit report from TransUnion. The report lists an employer that I have never worked for XXXX. This is incorrect and unsupported. I have no employment history with this company. Please remove incorrect information from my 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 2025-06-20 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is my personal, good-faith request for relief under the FCRA, let this letter serve as a formal notice that you are knowingly reporting inaccurate, incomplete or unverifiable information regarding the accounts listed below. I am also disputing reporting law not whether or not an account is mine but whether or not you have the verifiable proof that is required by law for the accounts listed below along with the Original Creditors Documentation. 

Please provide any and all contractual agreements between myself and the creditors listed or there is no verifiable proof that can validate I owe the debt listed below. 

The following accounts must be deleted IMMEDIATELY if validation has not been provided : GS BANK USA Date Opened : XX/XX/year>XXXX  Amount : {$2400.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint against American Express regarding the abrupt and simultaneous closure of five of my credit card accounts, without clear explanation or justification. The affected cards include : XXXX XXXX XXXX XXXX Closed XX/XX/scrub>, 2025 ) -Amex XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/scrub> 2025 ) -Amex XXXX XXXX ( 2 cards closed XX/XX/scrub> 2025 ) -Amex XXXX XXXX  ( Closed XX/XX/year>2025 ) On XX/XX/XXXX and XX/XX/XXXX, I received an email from American Express stating : We are writing to inform you that, after a recent review of your American Express account ( s ) referenced above, we have cancelled the account ( s ) due to indicia of misuse.

I called customer service to seek clarification, but I was told that no further information would be provided and that I should refer to the Cardmember Agreement. 

This lack of transparency is unacceptable. I had several XXXX points across these accounts, including pending rewards from recent transactions. All of these were forfeited without warning or proper justification.

I respectfully request that American Express : 1. Provide a clear and detailed explanation of what indicia of misuse means in my case, 2. Reconsider the account closures or offer a reinstatement path, 3. Restore my earned and pending rewards points.

This sudden termination, especially involving multiple premium business cards with good standing, has negatively impacted my business operations and consumer trust. 

Last 4 digits of the cards : - 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 explanation
Consumer complaint received 2025-06-20 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:
To : Credit Reporting Agencies Subject : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am writing to formally dispute the XXXX XXXX XXXX XXXX Credit Card account currently listed on my credit report, with a reported balance of {$1100.00}. This account had been reporting a history of late payments, which I challenged with XXXX due to its inaccuracy and unverifiable status. Upon completion of their investigation on XX/XX/2025, XXXX determined that the information could not be verified and deleted the account entirely from my XXXX credit report. For your review, I am attaching the official deletion confirmation from XXXX. As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy. Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA. If this account is not removed within the 30-day timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs. Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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