vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is an ongoing dispute. Discover investigatef and determined my card was not stolen based on a conversation they initiated XXXX  months after my card was stolen and used to make purchases totaling over XXXX in XXXX  days. When they called they asked if I had the card in my discover card in my possession. I checked my wallet and I had a card, so I said yes. But it wasnt the card that was stolen it was the replacement card. On the previous complaint their response supports this assertion. They say I had card ending in XXXX in my possession, but thats not the cards reported stolen. That e stolen card ended in XXXX. 
After XXXX  months of getting no where with discover, they sent me to their office of consumer advocacy. I discussed with a rep there and explained the mixup with which card they were asking about and explained that I had retrieved many receipts for purchases made when I was at work or had other documenting showing I couldnt have been XXXX places at once. He seemed to be taking all of the information. However. He did not communicate any of the information to fraud investigations until after they had made yet another determination with exactly the same result and for the same reason as before. At that point - Id been trying to text him for almost XXXX  months -. He said I would have to start over. 
Im in month XXXX of this dispute and when I spoke with fraud investigations the rep on the phone scolded me for being frustrated when she told me no one had looked at any of the documentation I sent them ( and by the way it was all attached to my previous CFPB complaint dated XX/XX/year> ). I asked her why it had not been reviewed and she had no answer. She told me to be patient, this is a lot of information to get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I am submitting this complaint on behalf of my stepfather. A collection account from XXXX XXXX XXXX  was added to his credit report, but he does not recognize this debt and never authorized it. He has been a victim of identity theft. We already submitted an identity theft report to the FTC and a police report has been filed. We are requesting this collection to be removed from his credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: MI

Complaint narrative:
Received a Background report while applying for a job. The background report was done through Sterling. After the report was completed I received a Pre-Adverse Notice ( Sent XX/XX/XXXX ). With this notice, I was not able to view, reply or interact with the document at all through multiple different browsers, on different internet connections or different operating systems. I notified Sterling directly and received a IT Tech Ticket that would look into and resolve the issue. It took multiple times communicating with them to even get to that point as they kept thinking and still believe it is the Background Report that I am not able to see. I reached out directly to XXXX XXXX as well. In this time I received an Adverse Notice ( Sent XX/XX/XXXX, just like the Pre-Adverse Notice, I was not able to review or respond to it ). The person I spoke with, XXXX XXXX acknowledge the fact that I was not able to review the Pre-Adverse and Adverse Notices. On XX/XX/XXXX XXXX was able to send me both notices. We scheduled a meeting on XX/XX/XXXX to review and discuss the notices. I explained that I have been attempting to view, work with Sterling to be able to provide information related to the report and reasonings why to what is on my background. XXXX acknowledge that I should be given the chance to respond. Since then I have not heard anything in response. In fact, I previously had access to XXXX XXXX XXXX site. That was revoked within an hour of my meeting with XXXX. I personally highly doubt I will hear anything back from XXXX, XXXX or Sterling related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 TX XXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: RI

Complaint narrative:
I am requesting a full investigation into the Discover Bank tradeline reporting on my credit report. This account was closed with a balance and continues to report in a way that appears inaccurate, outdated, and potentially in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : The account is closed, but the balance is still being factored into my utilization ratio as if its revolving credit. This unfairly impacts my credit score.

There has been no update to reflect my current payment status, and no proper explanation provided regarding the reporting method. 
I have disputed this account with the credit bureaus, but they continue to verify it without providing complete, verifiable documentation from Discover. 
The credit bureaus are marking the account as verified without proof of accurate and complete data, which is a violation of 611 of the FCRA ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ). 

This negative tradeline is actively interfering with my ability to qualify for a mortgage and causing quantifiable financial harm. I am requesting : 1. Full verification and documentation of the accuracy of the reporting 2. Immediate correction or deletion of this account if it can not be verified with complete, accurate, and up-to-date information 3. A written explanation of how Discover is complying with the FCRA regarding this reporting If the account is not updated or removed within the legal timeframe, I reserve the right to pursue legal remedies under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

This is now my final attempt at resolving this before involving legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

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 : INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-18 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX  XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-18 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: NY

Complaint narrative:
Dear XXXX XXXX, I am disputing the incomplete and inaccurate reporting of account number XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), you are required to provide accurate and complete information to consumer reporting agencies ( CRAs ). Your reporting of a charge-off as a collection account, with no payment history prior to the first delinquency reporting, violates this obligation. 

This account shows no data from XX/XX/XXXX to XXXX XXXX, with many months marked " No Data '' before the collection status began. THIS IS INCOMPLETE AND BIASED REPORTING. As a utility provider, XXXX does not regularly furnish monthly updates to CRAs, rendering the report incomplete and misleading. This selective reporting of negative information without a full payment history breaches FCRA Section 623 ( a ) ( 1 ). 

I demand : 1. Immediate removal of this account from my credit report ( s ) due to multiple FCRA violations.

2. Proof of written notice, via certified mail, of negative information furnished to CRAs, as required by 15 U.S.C. 1666b, at least 21 days prior to the due date.

3. A detailed description of your investigation procedure, per 15 U.S.C. 1681i ( b ) ( iii ), including steps taken, documents reviewed, personnel involved, and evidence relied upon. 

Failure to comply within 30 days will result in escalation to pursuit of remedies under 15 U.S.C. 1681n and 1681o. This account must be marked as disputed and removed. 
Sincerely,

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 2025-07-18 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-18 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: TX

Complaint narrative:
15 USC 1681 a ( 2Xi ) 15 USC 1681 15 USC 1681b ; The presence of the inaccuracy due to Equifax and Experian Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Trans Union has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Trans Union compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed : XXXX. Bankruptcy XXXX XXXX. XXXXCase No. XXXX. Date Filed : Unknown XXXX. XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account No. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/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 2025-07-18 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: MD

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO - XXXX. Please take the necessary steps to remove these accounts from my credit report.These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of 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 2025-07-18 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit 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 explanation