vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: SC

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 2025-10-30 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623, as a verified victim of identity theft. I have repeatedly submitted documentation and supporting evidence, including my XXXX Police Report, regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions, these accounts or their related information continue to appear or remain unblocked in my file. 

The following fraudulent accounts must be permanently blocked and deleted from my credit file, and any future reinsertion of these or related accounts must be automatically prevented per FCRA XXXX ( XXXX ) ( XXXX ) and XXXX ( a ) ( XXXX ) ( B ) : XXXX - Account # XXXX date XXXX. XXXX Account # : XXXX date opened:XXXX 

All of these accounts were opened by an unknown party using my stolen identity, as confirmed in the FTC Identity Theft Report and the XXXX XXXXXXXX XXXX XXXX  report. I never authorized or consented to these credit applications. 

I demand that under FCRA 605B ( b ) you : Permanently block all information related to the fraudulent accounts listed above ; Delete any and all existing records, inquiries, or derivative data connected to these accounts ; Ensure future suppression, preventing these or related accounts from ever reappearing in my credit report ; Provide written confirmation of the completed block and deletion within the statutory XXXX business days of receipt of this notice ; Notify all furnishers involved that the information has been identified as fraudulent and must not be re-reported under 623 ( a ) ( 6 ) ( B ). 

This request also extends to any fraudulent accounts or information not currently visible in my credit file but explicitly mentioned in my FTC or police reports those must be preemptively blocked to prevent reappearance. 

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ), exposing your agency to statutory damages, attorney fees, and civil liability under 15 U.S.C. 1681n and 1681o.

Please confirm in writing that all fraudulent accounts and related information have been permanently removed and blocked from future reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am submitting this formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623, as a verified victim of identity theft. I have repeatedly submitted documentation and supporting evidence, including my XXXX Police Report, regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions, these accounts or their related information continue to appear or remain unblocked in my file. 

The following fraudulent accounts must be permanently blocked and deleted from my credit file, and any future reinsertion of these or related accounts must be automatically prevented per FCRA XXXX ( XXXX ) ( XXXX ) and XXXX ( a ) ( XXXX ) ( B ) : XXXX - Account # XXXX date XXXX. XXXX Account # : XXXX date opened:XXXX 

All of these accounts were opened by an unknown party using my stolen identity, as confirmed in the FTC Identity Theft Report and the XXXX XXXXXXXX XXXX XXXX  report. I never authorized or consented to these credit applications. 

I demand that under FCRA 605B ( b ) you : Permanently block all information related to the fraudulent accounts listed above ; Delete any and all existing records, inquiries, or derivative data connected to these accounts ; Ensure future suppression, preventing these or related accounts from ever reappearing in my credit report ; Provide written confirmation of the completed block and deletion within the statutory XXXX business days of receipt of this notice ; Notify all furnishers involved that the information has been identified as fraudulent and must not be re-reported under 623 ( a ) ( 6 ) ( B ). 

This request also extends to any fraudulent accounts or information not currently visible in my credit file but explicitly mentioned in my FTC or police reports those must be preemptively blocked to prevent reappearance. 

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ), exposing your agency to statutory damages, attorney fees, and civil liability under 15 U.S.C. 1681n and 1681o.

Please confirm in writing that all fraudulent accounts and related information have been permanently removed and blocked from future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I was a victim of identity theft. As a result several accounts were opened under/in my name. Over the course several years, I reached out to the companies where fraudulent accounts were opened and the majority of the companies removed the fraudulent accounts as required by section 623 of the FCRA - federal law. However, the following companies did not respond nor remove the fraudulent accounts which they are required to by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - A LAWSUIT AGAINST ME WAS ALSO FILED AND DISMISSED DUE TO INACCURATE INFORMATION AND FAILURE TO APPEAR BY THE COMPLAINTANTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification! 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for. 

Accounts : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because my consumer reports from Experian, TransUnion, and Equifax contain multiple inaccurate and unverifiable items. These include incorrect account names, wrong addresses, inaccurate late-payment dates, and accounts that are not mine. I previously mailed dispute letters with certified-mail proof ; the errors remain. I request a full reinvestigation, immediate correction or deletion of all inaccurate items, and copies of all documentation used to verify each account. 


Disputed items Late-payment dates inaccurately reported across all agencies. 
XXXX XXXX appears only on Equifax. 
XXXX XXXX XXXX payment history inaccuracies across bureaus ( Experian & Equifax ). 
XXXX XXXX  account name and address differ ; payment history inaccuracies across bureaus. 
XXXX XXXX appears only on Equifax ; account unknown to me. 
XXXX XXXX XXXX XXXX XXXX appears only on Experian ; account unknown to me. 
XXXX appears only on Experian ; account unknown to me. 
XXXX  appears only on Experian ; account unknown to me. 
XXXX appears only on Experian ; account unknown to me. 


Prior steps taken I disputed these items directly with the credit reporting agencies and furnishers by certified mail. Copies of those letters and receipts are attached to this filing. The items remain inaccurate or unverifiable.

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 2025-10-30 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: CO

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-10-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank is inaccurately reporting my XXXX account ending in XXXX as both charged off and past due. This violates FCRA 607 ( b ), 611, and 623 ( a ), and if a 1099-C was filed, it also conflicts with IRS 6050P . I request full deletion for inaccurate and misleading reporting.

I am disputing the accuracy of the XXXX account ending in XXXX, which appears on my XXXX  credit reports. The account is reported as both charged off and past due, which is contradictory and constitutes double reporting. Under FCRA 607 ( b ), furnishers must ensure the maximum possible accuracy of information. Once an account is charged off, it can not simultaneously remain collectible or delinquent.

If Comenity Bank was issued a Form 1099-C under IRS 6050P , the debt was legally canceled and continuing to report it as owed is false and misleading
under both federal tax policy and consumer reporting law. I have requested validation from the furnisher under FCRA 623 ( b ), but until complete documentation is provided, this account must be deleted in its entirety.

I request immediate reinvestigation and deletion of this account from all credit bureaus in compliance with FCRA 611 and 623, and FDCPA 807 ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Immediate Deletion Required False and Contradictory Reporting ( FCRA Violations ) To Whom It May Concern, This letter serves as a formal dispute of the inaccurate and unverifiable information Equifax is reporting on my credit file : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Your bureaus reporting contains conflicting, false, and defamatory data elements : Equifax reports this as Late 120 Days, while other bureaus list Collection/Charge-off High Credit is shown as {$1500.00} on Equifax, but {$0.00} with other bureaus Collection account is shown under comments with no supporting documentation Payment history does not match the status you are reporting Date Last Active differs from data reported by other CRAs Different remarks exist across bureaus regarding collection and legal involvement These discrepancies indicate that Equifax is knowingly or negligently reporting inaccurate data, which violates : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i ( a ) : Requirement to fully reinvestigate disputed information FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers prohibited from reporting false information Unless Equifax can validate every specific element of this account with legally admissible proof including : A signed original contract establishing liability Full accounting showing how the alleged balance was calculated Proof of ownership/assignment from the original creditor Documentation authorizing Equifax to publish derogatory status Then Equifax is required to delete this account, not update or modify it.

I demand : Written deletion confirmation A corrected credit report sent to me Notification sent to any party that has accessed this inaccurate data within the past six months If Equifax fails to act within 30 days, I will file formal complaints with the CFPB, FTC, South Carolina Attorney General, and pursue civil claims under FCRA 1681n for willful noncompliance. 
Sincerely, XXXX XXXX Enclosures : Government-issued ID + Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: WA

Complaint narrative:
I am a Discover credit card holder and a victim of fraud. Several unauthorized transactions appeared on my Discover account, which I did not authorize. I formally disputed these charges in writing and provided all transaction details and a police report ( XXXX Police Department, XXXX XXXX. XXXX, Officers XXXX XXXX # XXXX and XXXX XXXX # XXXX ). 
Despite my written dispute sent to Discover in XX/XX/year>, Discover has continued to request payment and has stated that I need to provide the same information again, even though it was already submitted. I also received a letter from Discover dated XX/XX/year>, requesting the same details that were clearly included in my original dispute letter. 
I believe Discover is not properly handling my dispute under the Fair Credit Billing Act ( FCBA ) and is failing to suspend billing and interest while the fraud investigation is ongoing.

while the fraud investigation is ongoing.

I am requesting that the CFPB assist in ensuring Discover : 1. Properly investigates the unauthorized transactions.

2. Suspends billing and any interest charges on the disputed amounts until the investigation is completed.

3. Provides a written explanation of the steps taken and the results of their investigation. 
Attached are copies of my dispute letter, Discover 's response letter, and details of the unauthorized transactions. 
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Email : XXXX Phone : XXXX I spoke with XXXX and she gave me case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX My client send me a payment, its been stuck on the Venmo App, I tried to call, I sent them an email, I spoke to a lady on the phone she gave me 4-5 business day to send back the money to my client that she could Pay me another way. Its been almost 3 months and nothing yet. I cant use my Venmo account because its suspended. I really dont understand what happened!

I just need my money back I work really hard for it.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: CO

Complaint narrative:
I am filing a complaint against M & M for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I paid the agreed settlement amount of {$4300.00} to M & M in full. Despite providing documentation verifying payment, M & M continues to report an inaccurate balance of over {$2000.00} to the credit bureaus. I have made multiple attempts to contact them and request verification or correction, but they have failed to provide any documentation showing how this balance was calculated or to update my credit report accurately. 

This behavior violates the FCRA, which requires that companies furnish only accurate and verifiable information to credit bureaus. Continuing to report an account as owing a balance after it has been paid in full constitutes false and misleading reporting. 
Furthermore, their continued representation of this account as unpaid and any attempts to collect on a fully satisfied debt also violate the FDCPA, which prohibits debt collectors or furnishers from pursuing payment on debts that have been settled, misrepresenting the amount owed, or using deceptive practices. 

M & M negligence has caused unnecessary damage to my credit, emotional distress, and significant inconvenience. I am requesting a full investigation into their reporting and collection practices and a correction to all credit bureaus showing this account as paid in full with a zero balance. I am also requesting that any further collection activity on this account cease immediately.

Requested Resolution : Remove or correct the inaccurate tradeline with all credit bureaus to show a zero balance and paid in full status.

Provide written verification of the accounts true balance and payment history. 

Cease all collection or reporting activities related to this settled debt. 

Confirm compliance with the FCRA and FDCPA to prevent future harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CarMax, Inc.
State: VA

Complaint narrative:
You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Formal Upon conducting a recent examination of my c
redit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so prec any occurrence of late payments on this account. I kindly request access 313 here 's the important parce from the creditor 's financial institution that substantiates my t7 Repost to followernsumer report states that each of the items below needs to changed to reflect the agreed - upon payment.

This is a violation under 15 usc 1666b. I was incorrectly billed

Company response to consumer: Closed with explanation