vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
to : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally dispute certain information that appears on my credit report. This letter serves as a request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), for your agency to conduct a reasonable investigation into the accuracy and validity of all items you currently report under my file that can not be verified. 
According to the FCRA, you are obligated to conduct a reasonable reinvestigation of any disputed information and delete any information that is found to be inaccurate, incomplete, or unverifiable. Specifically, under 15 U.S.C. 1681i ( a ) ( 5 ), if, after reinvestigation, an item of information is found to be inaccurate or can not be verified, you are required to promptly delete that item from the consumers file. 
I am not required to identify which specific items are unverifiable, but I am exercising my right to request a reinvestigation and removal of any and all accounts or entries that can not be verified within the time allowed by law. As stipulated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must complete this investigation within 30 days of receipt of this dispute. 
Please provide me with the results of your reinvestigation in writing, including a revised copy of my credit report reflecting any changes made. If any information is verified, I request a description of the procedure used to determine the accuracy and the name, address, and telephone number of the furnisher that was contacted. 
This is a formal notice. Please consider this letter a demand for full compliance with your responsibilities under federal law. 
Sincerely, [ XXXX XXXX ] [ Date of Birth : XX/XX/XXXX ] [ Last Four Digits of SSN : 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 2025-09-10 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: Army and Air Force Exchange Service
State: IN

Complaint narrative:
to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute certain information that appears on my credit report. This letter serves as a request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), for your agency to conduct a reasonable investigation into the accuracy and validity of all items you currently report under my file that can not be verified.

According to the FCRA, you are obligated to conduct a reasonable reinvestigation of any disputed information and delete any information that is found to be inaccurate, incomplete, or unverifiable. Specifically, under 15 U.S.C. 1681i ( a ) ( 5 ), if, after reinvestigation, an item of information is found to be inaccurate or can not be verified, you are required to promptly delete that item from the consumers file.

I am not required to identify which specific items are unverifiable, but I am exercising my right to request a reinvestigation and removal of any and all accounts or entries that can not be verified within the time allowed by law. As stipulated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must complete this investigation within 30 days of receipt of this dispute.

Please provide me with the results of your reinvestigation in writing, including a revised copy of my credit report reflecting any changes made. If any information is verified, I request a description of the procedure used to determine the accuracy and the name, address, and telephone number of the furnisher that was contacted. 
This is a formal notice. Please consider this letter a demand for full compliance with your responsibilities under federal law. 
Sincerely, [ 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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Birth Date XX/XX/year> Social Security Number ( XXXX ) Credit Bureau Dear [ Credit Bureau ] , I am reaching out to challenge an inconsistency identified in the PAYMENT HISTORY section of my credit report, specifically in relation to the following account that has been charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, 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 2025-09-10 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I HAVE A FORMAL WRITTING FROM CITIZENS BANK OF THEM STATING THAT I DID PAY MY ACCOUNT I HAVE BANK STATEMENTS THAT I PAYED MY ACCOUNT WITHT XXXX XXXX I DO NOT WANT THIS ACCOUNT REMOVED I WANNT THIS ACCOUNT TO BE CHNAGED FORM THE STATU SOF CHARG EOFF ( BAD DEBT ) TO I XXXX PAYED IT IN FULL BEACUSE thats exactly what i did XXXX XXXX has literally put this in writting they have contacted experian equifax & trnasunion and they refuse to WILLFULL NOT DO THEIR JOB i need this account to reflet correctly like i payed it in full b/c thats eactly what i did! there is literally prrof in these attahcments XXXX XXXX XXXX Account number XXXX Experian Equifax & Transunion

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-10 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: IL

Complaint narrative:
I am writing to dispute the reporting of a charged-off account that has been fraudulently placed under my name. This account was established without my knowledge or consent, and it is the direct result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported on my credit file. Since I did not authorize or benefit from this account, I am formally requesting that this fraudulent charged-off account be deleted from my credit report immediately.

Please conduct a full investigation and provide documented proof of my responsibility for this account. If you are unable to provide verifiable evidence that I legally opened and used this account, you are required by law to remove it from my credit file.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX XXXXs criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Melar Investments, LLC
State: OK

Complaint narrative:
On XX/XX/year> the attorneys from XXXX XXXX XXXX XXXX XXXX, Ok file a lawsuit on behalf of their client XXXX XXXX XXXX. For a debt that they claim that I owe and that they own. They didn't provide any supporting evidence in their petition to the court the only thing they provided was an affidavit saying that they own this debt and that I owe it. The debt is supposedly for {$1700.00}. On XX/XX/year> the process server filed an affidavit of non-service claiming that he tried to serve me on XX/XX/year> at XXXX XXXX and that my house was vacant and was supported by photographs that he took of the inside of the vacant property. Which is completely false my house is not vacant it hasn't been vacant at all and over 6 years and I was currently at the time on a deferred sentence in XXXX municipal Court for a traffic violation so my address was validated already with the court and known and easily accessible and ascertainable. On XX/XX/year> I filed a affidavit of residence and non-evasion with the court stating that I do live here to any claims that the house is vacant is false and I have not had any attempts at service attempted to me. On XX/XX/year> the attorneys for XXXX financial I filed an affidavit of service by publication and a request for service by publication. Even though my affidavit of residence was already on file 2 months prior and well-known and not vacant in their affidavit they claimed that I was unattainable unacertainable and that my property was vacant and they didn't even know whether I was alive or dead. They were granted service by publication I don't know how they were allowed to do that but I am in the process of filing a motion to strike their noticed by publication. And a counterclaim against them attesting that they have not provided any information that I owe this debt or that they own this debt or anything. And for sanctions against the attorneys and the process server for filing false affidavits. ( This debt does not show up anywhere on my credit report I pulled my Lexis Nexus report and it's nowhere to be found ) for some reason I'm not able to attach any of the documents to this complaint but I do have all the documents from the petition for the court to the false affidavits and my filing for residents and non evasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: AL

Complaint narrative:
I contacted Discover on XX/XX/XXXX to inquire about my promotions and the balances left on them. 

I have two active promotional balance transfers with Discover : Promotion # XXXX ends XX/XX/XXXX promo apr 3.99 % Promotion # 2 ends XX/XX/XXXX promo apr 7.99 % I am paying more than the minimum each month in order to pay off Promotion # 1 before it expires. However, Discover is only applying the minimum payment to Promotion # 1, and all extra funds are being applied to Promotion # 2 and/or the balance with the highest interest rate.

Discover informed me that the only way to avoid interest on Promotion # 1 is to pay the entire balance in full before the expiration date of XX/XX/XXXX, which was not clearly disclosed when I accepted the promotions. 

This practice is misleading and unfair, as it prevents me from reasonably paying off the earlier-ending promotion to avoid interest. I believe this may violate the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), and consumer protection laws against unfair or deceptive practices.

Requested resolution : Reallocate excess payments above the minimum to Promotion # 1 ( ending XX/XX/XXXX ). 

Provide written confirmation that no interest will be charged on Promotion # 1 if it is fully paid by its expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity and accuracy of the debt that you claim I owe to DISCOVER CARD. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request the following : 1. Verification of the debt, including an itemized accounting of the amount claimed.

2. The name and address of the original creditor, along with documentation showing I am legally obligated to pay.

3. Proof that your agency has the authority to collect this debt in my state.

4. A copy of any contract, agreement, or signature that establishes my responsibility.

Under the FCRA, you are required to conduct a reasonable investigation of this dispute, and if the information can not be verified, it must be removed or corrected from my credit file. Under the FDCPA, you must cease collection efforts until proper validation is provided.

If you continue to report this disputed debt without providing proper validation, you may be in violation of both the FCRA and the FDCPA. I am documenting this request for my records. 

I expect your full compliance with federal law. Please respond in writing within 30 days of receiving this letter. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
The investigation did not fix an error on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account that is currently being reported on my credit file. I recently obtained a copy of my credit report and discovered the following account, which I believe is being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Creditor/Collection Agency Name : XXXX  Account Number XXXX Date Opened/Reported : XX/XX/year> Reported Balance : {$1300.00} This account is being reported incorrectly for the following reasons : 1. The information being reported is inaccurate and/or unverifiable.

2. The account is being reported as open/active, which is misleading since collection accounts can not remain open.

Under the FCRA, credit reporting agencies are required to report only accurate, complete, and verifiable information. I am requesting that you conduct a reinvestigation of this account. Unless the creditor can provide proper documentation proving the accuracy and ownership of this debt, it must be deleted from my credit file.

Please provide me with the results of your reinvestigation in writing within 30 days, as required by law. If the account can not be verified, I expect it to be permanently removed from my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: RI

Complaint narrative:
On XX/XX/year> my debit card was charged in the amount of XXXX at XXXX in XXXX. This transaction was not authorized by me. I reported this incident with chime who credited my account in the above amount. As of XX/XX/XXXX my dispute status came back denied. I re opened the dispute, Chime stated I needed to send supporting documents. So I sent them supporting documents, I sent chime a copy of my time sheet on the date that proved I was working as well as giving them proof of residency in XXXX XXXX. Not in XXXX. As of today XX/XX/year> my dispute status came back as denied again

Company response to consumer: Closed with explanation