vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and unverified collection accounts being reported by the following third-party debt collectors : XXXX XXXX XXXX XXXX XXXX Services These accounts are currently appearing on my credit reports with Experian, Equifax, and TransUnion, and are causing unjustified harm to my creditworthiness. I am invoking my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, under 15 U.S. Code 1692c, debt collectors are restricted from contacting or communicating with consumers at inconvenient times or without proper verification of the debt. Furthermore, 15 U.S. Code 1692g ( b ) requires debt collectors to cease collection efforts and provide verification of the alleged debt upon dispute, which I have attempted to do. 

To date, neither XXXX XXXX XXXX nor XXXX XXXX XXXX has provided any proof of ownership of the debt, the original creditor agreement, or validation under the law, yet these accounts continue to be reported and have negatively impacted my credit.

Additionally, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, once a dispute is submitted, the furnisher ( the debt collector ) is required to investigate and verify the accuracy of the information, and if they can not, the account must be deleted from the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
The CC APPLE company has violated FEDERAL Laws in reopening my acct in XXXXXXXX XXXX XXXXXXXX w NO AUTHORIZE from me to do so and rebilling me for an item that was returned to merchant and was confirmed as a full refund to my CC bill, I never authorized an APPLE CC to be opened in XX/XX/XXXX, which they did and no information has ever been sent to me in writing via mail to inform me of these actions from the company, or the XXXX agencies. 

I closed my account PAID IN FULL in XX/XX/XXXX. I have verification to state these facts.

There is now a derogatory PAST DUE payments reflecting on my score due to ILLEGAL Activity Sachs and Goldman has taken by reopening my account without authorization and placing an amount due from a dispute of a returned item merchant
rec 'd I won back in XX/XX/XXXX. 

I have attempted to contact XXXX  and they are not helping at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I just got email stating that my credit limit was decreased. I called company and was told by rep that it was due to nonpayment. When I advised that wasnt the case, she then claimed it was because there was a significant drop in my credit score. I advised that my score hadnt changed and that all my accounts have been paid on time. They dropped my limit from {$7500.00} to XXXX, which put me at risk of my score dropping tremendously. I feel that was an unfair action on their part.

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 2025-07-09 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: OH

Complaint narrative:
I have been disputing information contained on my credit report, mainly incorrect information from XXXX XXXX. I am pretty sure that XXXX XXXX has merged another account to my old closed acct, since I have a very common name because I received a handful of collection calls ( credit cards, auto loan and student loans ) looking for this individual with the same name but a different middle initial. I have disputed this several times since this negative information showed up in XXXX to no avail. I have spoken with XXXX XXXX, they claim they can not talk to me because I am not the account holder in question, but they continue to " verify '' the information with the CRAs when disputed. Back in XX/XX/XXXX, when I disputed the account again, the tradeline reflected a High Credit of {$3900.00} with a credit limit of {$4000.00}, and a balance of {$4800.00}. It also reflected a charge off amount of {$3900.00}. In XX/XX/XXXX, the balance was {$4800.00}, the High Credit jumped to {$5700.00}. Dates of opening being reported are XX/XX/XXXX, but it was XX/XX/XXXX according to older reports. After speaking with Equifax today and going up to Tier 3 support, they stated they have no obligation to stop a furnisher from reporting incorrect information, or having them reinsert it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
i have had several accounts that were opened without my knowledge .I have been a victim of identity theft/ Fraud. I have listed below the accounts that were opened fraudulently in my name.Please Resolve this issue i have also went to my local police station and they informed me this and also another website i need to come and file a report with Ic3.gov here are the list of accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance {$720.00}

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have had several accounts that were opened without my knowledge .I have been a victim of identity theft/ Fraud. I have listed below the accounts that were opened fraudulently in my name.Please Resolve this issue i have also went to my local police station and they informed me this and also another website i need to come and file a report with XXXX here are the list of accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00}

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 2025-07-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft an
d 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX 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, Balance : {$990.00} 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, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: VA

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 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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
i Contacted XXXX XXXX  about a account that appears on my credit report and i stated to them this account is not mine i have not authorized or signed any documentation stating that i opened a account with them it is not mine they sold the account to Credit Collections XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX i advised them the same thing i mentioned to XXXX XXXX XXXX that this account is not mine and i have not signed and documents to to this account i need this account removed from all XXXX of my credit reports immediately this is fales information being reported on my report total amount they state i owe is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
Summary : This complaint concerns Discover Cards refusal to credit a charge for a product that was never delivered. Despite clear evidence and multiple attempts to resolve the issue, Discover has failed to act in accordance with consumer protections for non-received goods. 

Details : On XX/XX/year>, I purchased a washer and dryer from XXXXXXXX XXXX using my Discover credit card. During delivery, it was discovered that the washer and dryer were electric, but I required gas-compatible appliances. The washer and dryer were never removed from the delivery truck and were immediately returned to XXXX XXXX XXXX. They remained in XXXX possession the entire time. 

That same day, I purchased the correct gas-compatible washer and dryer, which were delivered and paid for separately. 

XXXX processed a refund for the dryer but failed to refund the amount for the washer and installation parts, totaling {$590.00}. 

I contacted XXXX 's customer service and was assured the refund would be returned to my Discover card. However, the funds were never credited. 

In early XXXX and again in XXXX, I contacted Discovers Dispute Center to request a chargeback for the undelivered washer and related installation items. I provided documentation from my XXXX account clearly showing the washer was never delivered. 

Despite this, Discover refused to process the dispute, claiming the documentation did not support my claim. I disagree, as the documents clearly indicate the items in question were returned and never received. 

XXXX purchase receipt Account documentation showing non-delivery of the washer Correspondence with Discover Dispute Center

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: CO

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 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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Credit report shows opened account with Barclays bank side on XXXX XXXX. I have not attempted to open an account with this company and did not authorize this

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed my credit reports across multiple consumer reporting platforms and identified significant inconsistencies in the data being reported by Equifax. Specifically, the accounts labeled as XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX do not belong to me and were opened without my knowledge or authorization. 

Additionally, it appears these accounts are being reported under different names or aliases depending on the platform being used. This inconsistency raises serious concerns regarding the accuracy and integrity of the information furnished to Equifax, and may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to report information that is accurate, complete, and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

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 : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$790.00}

Company response to consumer: Closed with explanation