vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reason for my complaint was that I received a credit card statement for an unknown charge. This has tremendously affected my credit score. The statement didnt provide any information on why I had a charge when I had stopped using the credit card for over a year and half, so it seemed bizarre to me that I had a charge of {$140.00} when I clearly stopped using it. This company was a nightmare to get a hold off and on the third try, they notified me that they sold my debt to a debt collection agency. All I need for my credit score to be restored immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reason for my complaint was that I received a credit card statement for an unknown charge. This has tremendously affected my credit score. The statement didnt provide any information on why I had a charge when I had stopped using the credit card for over a year and half, so it seemed bizarre to me that I had a charge of {$140.00} when I clearly stopped using it. This company was a nightmare to get a hold off and on the third try, they notified me that they sold my debt to a debt collection agency. All I need for my credit score to be restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reason for my complaint was that I received a credit card statement for an unknown charge. This has tremendously affected my credit score. The statement didnt provide any information on why I had a charge when I had stopped using the credit card for over a year and half, so it seemed bizarre to me that I had a charge of {$140.00} when I clearly stopped using it. This company was a nightmare to get a hold off and on the third try, they notified me that they sold my debt to a debt collection agency. All I need for my credit score to be restored immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
This submission supplements Complaint ID XXXX. 
I signed the XXXX Verification Services email Discover IRS Consent Form 4506-C ( Due XX/XX/year> ). 
Discovers response cites a deadline of XX/XX/year>, but they closed my account on XX/XX/year> ( weeks before their own deadline ) and never followed up after my signature. 
Please require proof of timely notice/delivery ( email logs, autodialer CDRs, USPS/IMb ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that XXXX  Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported by XXXX XXXX XXXX on my credit file. Despite submitting formal disputes under the Fair Credit Reporting Act ( FCRA ), this account continues to be reported without proper validation or correction. XXXX XXXX XXXX has not provided original documentation to substantiate the debt, and its reporting practices may also be in violation of Metro 2 compliance standards. 

Collection # XXXX : Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/scrub>XXXX XXXX 

Balance {$1100.00}

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 2025-09-24 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported by XXXX XXXX XXXX on my credit file. Despite submitting formal disputes under the Fair Credit Reporting Act ( FCRA ), this account continues to be reported without proper validation or correction. XXXX XXXX XXXX has not provided original documentation to substantiate the debt, and its reporting practices may also be in violation of Metro 2 compliance standards. 

Collection # XXXX : Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/scrub>XXXX XXXX 

Balance {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contend that the inaccurate late payment notations on my accounts violate 15 USC 1666. I have maintained a consistent record of on-time payments, and any misreporting of this nature is both misleading and unlawful.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account NameXXXX Account Number : XXXX No written agreement exists. I never signed or participated in any contract with this furnisher. 

Action Requested : DELETE FROM CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance repossessed my vehicle and is now demanding {$4300.00} to reinstate my account, even though my actual past-due balance is {$3200.00}. I have asked repeatedly for a written, itemized accounting, but Exeter refuses to provide one.

In recent phone calls, Exeter representatives admitted that my account was internally flagged as fraud due to a co-signer issue, yet I was never notified in writing of this fraud flag. Despite that, Exeter continued to accept my monthly payments of {$720.00}, then repossessed my vehicle without properly explaining the balance owed.

I have also been unable to obtain my account number, even after requesting it several times, which makes it difficult to resolve this matter. Exeter has informed me my vehicle will be sold on XX/XX/year>, which I believe is a wrongful sale while my account is under active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I did not give written expressed or implied consent for Midland credit management Inc to report absolutely anything on my private credit report. They are now in violation of the Fair Credit Reporting Act ( FCRA ), VIOLATION OF STATE AND FEDERAL LAW, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, No Given Consent, 15 U.S. Code 1681s-2 Responsibilities of Furnishers of Information I am the original creditor that funded this private account with XXXX XXXX XXXX XXXX 
Midland Credit Management , Inc. business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e.

There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any 1099 forms from XXXX XXXX XXXX XXXX showing that this debt was cancelled. 

I am aware that your company buys debt. Debt is an asset and it belongs to the original creditor. I am the original creditor. Return to me immediately this debt as it is against the Law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. 

Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. Midland Credit Management , Inc. has treated my consumer as an employee by using the XXXX without proper verification required by submitting the XXXX XXXX form. I do not have an employer employee relationship agreement with this corporation.

I do not consent to contract with your company Midland Credit Management , Inc. XXXX XXXX : XXXX as this entire matter was only between two parties XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I will be enforcing legal punishment for violations of Trust Fraud against XXXX XXXX XXXX XXXX as a very heinous and severe violation of Anti-Trust Laws has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include information that is accurate, complete, and verifiable. I am formally requesting that these late payment entries be thoroughly verified, and if they can not be validated, I ask that they be corrected or removed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Newport Intermediate Inc.
State: LA

Complaint narrative:
On XXXXXXXX XXXX XXXXXXXX approved me for a XXXX XXXX XXXX plus online, required {$93.00} ach to finalize order, I paid that, they had me sign a actual retail installment agreement for post paid service and sent proof my phone would be sent to me next day by XXXX, later that day they sent a email saying they couldnt verify my identity and I needed to click the link to verify myself in order for order to be processed, I did that I uploaded Drivers license, utility bill and did a live selfie, received message I was verified, the next day I called to follow up and was told my order is being cancelled due to them not being able to verify identity, I ended up having to call 10 more times spoke to someone who said they could push verification through if I sent utility bill or lease to link they were sending, they never sent a link, I keep getting flip flop stories the last person I spoke with I asked her to retract my Application and send my deposit she said the application cant be retracted and has been sent somewhere else and my refund wont be refunded until order is cancelled which can take 30 days not sure if this is a sick joke or whats going on. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and complete. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal request for the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have attached supporting documentation to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 disputing the reporting of unauthorized and inaccurate accounts on my credit report. I did not open or authorize these accounts, and I was never notified of their addition. On top of that, the information being reported differs across the credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy.

This matter also violates 15 U.S.C. 1681i, which requires disputed accounts to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which guarantees the right to accurate and complete file disclosures.

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 2025-09-24 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint against Transunion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX were fraudulent. Despite receiving this information, Transunion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting a thorough review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-24 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through th

e Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have revie
wed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). 
I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX XXXX AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief