vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
This letter serves as a formal demand, not a request, for the immediate permanent deletion of the charged-off account listed below from all consumer reporting agencies under your control or influence.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am asserting my right to accurate, verifiable, and complete reporting. The continued reporting of this charged-off debt is not only misleading but in violation of federal law if it is not being actively verified, updated, and reported accurately.

Here 's the problem : The debt in question has been charged off, which, by definition, means it was written off as a business loss.

According to IRS guidelines, any charged-off debt may be claimed as a tax write-off under Section 166 of the Internal Revenue Code. This means you have effectively acknowledged this as a loss, and you are no longer entitled to collect or profit from it. 
If you have already received tax benefits from this charge-off, your continued reporting of the debt to consumer reporting agencies appears to be an attempt to punish or coerce payment after benefiting from its loss which could be interpreted as double-dipping and unethical at best. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, if you have sold, transferred, or assigned this debt to a third party, you no longer own it and have zero legal standing to report it. Reporting by a non-owner is a violation of the FCRA and constitutes willful defamation of my character and creditworthiness. 

I demand the following : 1. Immediate and unconditional deletion of this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ).

2. Written confirmation that this account has been deleted and will not be sold or reassigned to any third-party collection agency in the future.

You have 15 days from receipt of this letter to comply. Failure to do so will result in the following actions without further notice : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
A lawsuit under the FCRA for actual damages, punitive damages, and attorneys fees for willful noncompliance and continued defamation. 
This is your final opportunity to resolve this matter amicably.

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 2025-07-31 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I take pride in maintaining a good payment history. This late payment seems inconsistent with that and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 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: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports.under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. Inaccurate reporting have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely. remove said Fraudulent accounts reporting : Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 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: CO

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy, as required by law. These errors are placing a significant burden on me and continue to affect my life in ways that are deeply distressing, especially during these challenging times. Correcting or removing these inaccuracies would be a tremendous relief.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be XXXX  and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
XXXX reporting several inaccirate and unverifiable accounts harming my credit. Below i will list the account names and numbers. please investigate and take action under the fair credit reporting Act. 
FCRA 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 2025-07-31 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:
On XX/XX/year>, I discovered a fraudulent XXXX XXXX credit card account on my TransUnion credit report, which I did not open or authorize, indicating identity theft or error. The account, reported as charged off with a {$5400.00} balance as of XX/XX/year>, was unknown to me until I reviewed my credit report. I filed a dispute with TransUnion via their online portal on XX/XX/year>, and sent a dispute letter via certified mail, demanding verification and deletion of the account due to its fraudulent nature. TransUnion failed to correct the inaccuracies or provide verification within XXXX  days, violating the Fair Credit Reporting Act, FCRA, as follows : XXXX : Failing to ensure accuracy by reporting an unauthorized account. XXXX : Failing to conduct a reasonable investigation. XXXX : Failing to delete unverifiable information. XXXX : Failing to handle identity theft reports. XXXX XXXX : Engaging in unfair practices, per the CFPB 's XXXX findings. This account has harmed my XXXX XXXX and risks further identity theft.

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 2025-07-31 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-31 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: FL

Complaint narrative:
I do not recognize these accounts and believe them to be fraudulent. Please carry out an investigation and remove them from my credit profile immediately. Proof is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 filing this formal complaint against XXXX XXXX because they are reporting an auto loan account with late payments on my credit report that I do not recognize, did not authorize, and which is negatively impacting my credit score. The account in question is : XXXX XXXX Account Number : XXXX. I submitted a dispute over 30 days ago and only received an automated response, with no meaningful investigation or supporting documentation. This is a direct violation of my rights under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), 1681i, 1681e ( b ), and 1681s-2 ( b ), I have the legal right to have any inaccurate, unverifiable, or identity theftrelated information blocked and deleted from my credit file. I have submitted an FTC Identity Theft Report ( Report Number : XXXX ), which triggers a legal obligation to block this account within 4 business days, as required by 15 USC 1681c-2 ( c ) ( 2 ). Failure to comply is a serious violation of my consumer rights. 

I am tired of receiving generic, automated replies while this account continues to harm my creditworthiness. I am demanding the immediate and permanent deletion of this account from my credit report. If this dispute is not resolved in full compliance with the law, I reserve the right to pursue legal action under 15 USC 1681n and 1681o for damages. 

ACCOUNT : XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Western union is charging XXXX XXXX  of every dollar I am transferring to my family on top of there regular transaction fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: LA

Complaint narrative:
On XXXX XXXX, I applied for a credit increase with Discover card. It was another request of many over the past XXXX months. In the past my credit was a little lower and my card usage was a little higher, so I excused the denial. Fast forward to this request. My XXXX XXXX was at XXXX at the time of request and per the letter they responded. My issue, which I honestly felt as discriminated was due to XXXX of the XXXX reasons they stated to denying my request. And this is it : cash advance activity on your account in last XXXX months. That was XXXX of the XXXX.. 
I got mad that they are using as an excuse to deny me an increase a Service they extended to me I only used XXXX .. XXXX for XXXX XXXX dollars and another for XXXX dollars I really dont use it for such but I had recently paid off my balance and decided to use it for that to show some movement .. and they had the audacity to use against me a service they provide and even charge me for it thats the premise of their business I totally fell discriminated as all this illegal alien BS going around, I feel they are doing this to me because my credit was good .. my balance had been paid off and I have been trying to get a credit increase from them well over a year XXXX a XXXX veteran and I pay XXXX bills on time! I would appreciate you reach out to them and make this right! I told them if they cant appreciate my business Id close my account and hung up on them so I dont know if they will respond I actually spoke to a supervisor today when I called. The other XXXX reasons were the following : XXXX reports unsecured loan balance # of recent inquiries as reported by agency. 

Those were their reasons for denying me. My credit line is XXXX with them .. hopefully you can help a fellow veteran and get an apology from them for denying me with a poor excuse I pay them on time and have good credit for them to say what they did! Totally uncalled for. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made XXXX attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-07-31 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
While pumping gas, an unknown individual stole my purse from my vehicle. XXXX were all of my credit cards, my husband 's personal information, and details belonging to my children. We immediately contacted the police and filed an official report. This theft resulted in unauthorized access to my financial and personal data. I am requesting all three credit bureaus to flag my file for identity theft and block any fraudulent accounts or activity that may result from this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
While pumping gas, an unknown individual stole my purse from my vehicle. XXXX were all of my credit cards, my husband 's personal information, and details belonging to my children. We immediately contacted the police and filed an official report. This theft resulted in unauthorized access to my financial and personal data. I am requesting all three credit bureaus to flag my file for identity theft and block any fraudulent accounts or activity that may result from this incident.

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