vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX : I open a high yield savings account with Discover. 
XX/XX/XXXX : I attempt to connect my bank, Discover doesn't take my bank ( but there's no indication of that ) I try resubmitting - instead of giving me an error message explaining it doesn't take my bank, it just locked me out permanently for too many attempts. 

XX/XX/XXXX - I call Discover. They half-remedy the issue by unlocking my account, I thought everything was fine. 
- I find that I can't open any other new bank accounts. 
- I look up this issue, I discover that this will impact me for 5 years and the reporting bureau that would contain this info would be XXXX. I get the XXXX  report, I have a completely clean report from XXXX Systems. 
- I make a CFPB report to get this settled. 
- As attached below, I've even received inaccurate rejection letters from banks like XXXX, clearly there is something on my file but I am not allowed access to it nor have I been able to fix it. 

XX/XX/XXXX : XXXX from Discover contacts me. I reply explaining that XXXX  XXXX says I have nothing negatively marked on my account - therefore I need to understand what's in the Discover system because their employees could tell I had a negative mark of some kind on my account. XXXX never replies to my email. I could be wrong about this- but I do not remember the CFPB notifying me that this report was closed. If you go into my XXXX report you can see that XXXX 's recommendation is to contact XXXX XXXX- the bureau that has a completely clean report on me. 

XX/XX/XXXX I am trying to open a new bank account. I still can not get a bank account anywhere, and it's an instant rejection when they look up my info- I can not appeal. I went to XXXX XXXX  to inquire about this issue and they said I should get a lawyer for this issue but they still can not provide me with a bank account. My credit report is fine and regularly monitored, I haven't had my identity stolen, it's been XXXX years since the Discover incident, and I still can not get a bank account. I look up this issue again, I see that the reporting bureau that would contain this info would be XXXX. I get the XXXX  report - I see have a completely clean report from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Incomplete Reporting Across Bureaus - Only TransUnion and Equifax report this account - Experian shows no record this inconsistency is grounds for dispute if the account is being selectively or inaccurately reported. 

Conflicting Account Status - Equifax shows account status as XXXX a technical code not meant for consumer-facing credit files. 
- TransUnion has no account status at all. 

Contradictory Account Type - Both TransUnion and Equifax report the account as an Open account, yet Equifax also lists it as a Collection Account in the comments and payment history. 

Missing or Invalid Payment Information - The account has no Date of Last Payment listed anywhere. 
- Yet Equifax reports it as being charged off ( CO ) from XX/XX/XXXXXXXX  through XX/XX/XXXX, with the status suddenly changing to OK in XX/XX/XXXX, and remaining OK since which is highly inconsistent and potentially fabricated. 

Small Balance Amount High Deletion Success Rate- The balance is only {$350.00}, which makes this an excellent candidate for deletion since furnishers often wont validate smaller debts due to cost/effort. 

This account was CHARGED OFF on the following date ( XX/XX/XXXXXXXX  ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-11 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:
Incomplete Reporting Across Bureaus - Only TransUnion and Equifax report this account - Experian shows no record this inconsistency is grounds for dispute if the account is being selectively or inaccurately reported. 

Conflicting Account Status - Equifax shows account status as XXXX a technical code not meant for consumer-facing credit files. 
- TransUnion has no account status at all. 

Contradictory Account Type - Both TransUnion and Equifax report the account as an Open account, yet Equifax also lists it as a Collection Account in the comments and payment history. 

Missing or Invalid Payment Information - The account has no Date of Last Payment listed anywhere. 
- Yet Equifax reports it as being charged off ( CO ) from XX/XX/XXXXXXXX  through XX/XX/XXXX, with the status suddenly changing to OK in XX/XX/XXXX, and remaining OK since which is highly inconsistent and potentially fabricated. 

Small Balance Amount High Deletion Success Rate- The balance is only {$350.00}, which makes this an excellent candidate for deletion since furnishers often wont validate smaller debts due to cost/effort. 

This account was CHARGED OFF on the following date ( XX/XX/XXXXXXXX  ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts were opened without my consent and do not belong to me. I request they be erased from my credit history and investigated fully. Please review the attached files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-11 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 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 In accordance with the fair credit reporting act, has violated my rights.

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.

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 2025-08-11 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 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 In accordance with the fair credit reporting act, has violated my rights.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
i did not give authorization to southwest credit systems to securitize my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have repeatedly requested that PayPal close my account, in accordance with their User Agreement ( U.S., updated XX/XX/year> ), which states : You may close your account and terminate your relationship with us at any time without cost or penalty.

I have met all requirements for closure : Removed all linked funding sources Closed all active subscriptions/recurring payments XXXX  out the balance Reported repeated fraudulent charge attempts from an unrecognized merchant Despite this, PayPal has refused to close the account, citing an open case the same case I opened to report the fraud that prompted my closure request. 

On a call with PayPal customer service, the agent refused to process the closure, repeated scripted statements, and accused me of fraud after I said I would be reporting PayPal for allowing fraudulent charges to continue. 

I request : Immediate closure of my account with written confirmation Written acknowledgment that I am not accused of fraud and have no liability for any attempted or processed transactions related to this matter Removal of any internal flags or notes connected to these fraudulent charge attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I discovered an unauthorized credit inquiry from SOFI BANK XXXX on my XXXX  credit report, dated XX/XX/year>. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria. 

Company Name : SOFI BANK XXXX Description of the issue : I discovered an unauthorized credit inquiry from SOFI BANK XXXX on my XXXX  credit report, dated XX/XX/year>. I have never applied for credit, products, or services with this company, and I have not provided written authorization for them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only provide a credit report if there is a permissible purpose, such as my written consent or an application initiated by me. This inquiry does not meet those criteria.

I am requesting that this company provide documented proof of permissible purpose, including any application or agreement bearing my signature, or have the inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TN

Complaint narrative:
I REPORTED FRAUD IN XXXX AND WAS MAILED ANOTHER CARD. THEY REFUSE TO ACTIVATE MY CARD .. I HAVE SENT IN MY VERIFICATIONS FOR OVER A MONTH AND I KEEP GETTING THE RUN AROUND. ALL THE CALLS I HAVE MADE HAS AN EXCEEDINGLY HIGH WAIT TIME EVEN WHEN SPEAKING TO SEVERAL SUPERVISORS AND STILL NOTHING .. I HAVE CONTACTED SOCIAL SECURITY AND THEY SAY XXXX XXXX ARE HOLDING MY FUNDS .. HERES MY SOCIAL SECURITY TRACKING NUMBER. XXXX. I HAVE A MEDICAL CONDITION AND CAN NOT PURCHASE MY MEDS BECAUSE OF THIS..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NE

Complaint narrative:
I took out a loan with Acima on XX/XX/year>. I have utilized this company many times prior and did not have a bi-weekly payment over {$150.00}. I applied for {$500.00} more this time around and my payment is {$360.00} bi-weekly. The company could not tell me why my payment more than doubled for a small increase. After speaking with two agents, I finally had been able to acquire enough to make a final payoff early, which is {$2100.00}. They are charging me {$110.00} in taxes on top of this to pay on a loan. I have been paying taxes on this loan the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
My info has been stolen and used for many things and now I have over 12 inquiries on 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 non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief