vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally raise a concern regarding my Discover credit card account, which was closed without my knowledge. Despite the closure, I have continued to make payments ; however, over the past several months, my payments have not been processed. As a result, my credit report has been negatively impacted. 

On XX/XX/year>, I contacted Discover for clarification. During this call, I was informed that my payments were being rejected because Discover had a record indicating that I stated I was filing for XXXX. This information is inaccurate and deeply concerning. I have not initiated bankruptcy proceedings, nor have I communicated such intent to Discover. In fact, the XX/XX/XXXX call was the first time I had spoken with Discover in over a year. This appears to be a case of false reporting, and I respectfully request that this matter be thoroughly investigated. 

For your review, here are the payments I submitted that were not processed : XX/XX/year> {$100.00} XX/XX/year> {$50.00} XX/XX/year> {$10.00} XX/XX/year> {$690.00} I kindly ask that you : Investigate why these payments were not processed. 

Correct any inaccurate reporting related to XXXX  or missed payments. 

Restore any negative impact on my credit report caused by this error. 

I appreciate your immediate attention to this matter and request a written response confirming receipt of this complaint and the steps Discover will take to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
My credit report currently displays inaccurate late payment notations that do not reflect my actual payment history, and despite my diligent efforts to resolve this matter through proper dispute channels, the responsible parties have failed to provide adequate verification or documentation supporting these negative marks. These erroneous entries have been damaging my credit score and limiting my access to favorable lending terms, creating unnecessary financial obstacles that could have been avoided with proper record-keeping and timely responses to my inquiries. The lack of substantive communication from the reporting entities over the past several weeks demonstrates a clear disregard for consumer protection protocols and fair credit reporting practices. I am now seeking immediate intervention to correct these inaccuracies and restore my credit profile to its rightful status, as the continued presence of these unsubstantiated late payments constitutes an ongoing violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter serves as a formal data breach notification regarding the inaccurate reporting of the following account on my Experian, Transunion, and Equifax credit report 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  - Upon review , I discovered significant data inconsistencies : The account is reported as late despite being closed/paid/current. 
The balance reported conflicts with the actual account status. 
Dates of delinquency are inaccurate and do not align with the creditors records.

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 2025-09-12 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: OH

Complaint narrative:
This letter serves as a formal data breach notification regarding the inaccurate reporting of the following account on my Experian, Transunion, and Equifax credit report 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  - Upon review , I discovered significant data inconsistencies : The account is reported as late despite being closed/paid/current. 
The balance reported conflicts with the actual account status. 
Dates of delinquency are inaccurate and do not align with the creditors records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-12 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TN

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 2025-09-12 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: TN

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 2025-09-12 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: PA

Complaint narrative:
My cashapp account got closed down saying that I was involved in gambling activities when I didnt do anything like that. They basically closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

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 2025-09-12 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: GA

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 2025-09-12 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: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
XXXX XXXX  is reporting an account with incorrect information, the vehicle was impounded and sold by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  is reporting an account with incorrect information, the vehicle was impounded and sold by a third party

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 2025-09-12 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: NC

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am once again disputing the fraudulent items that continue to appear on my credit report. Despite my repeated efforts, including filing and submitting an FTC Identity Theft Report as directed by TransUnion, these unauthorized accounts remain. This ongoing issue is unacceptable and raises serious concerns about how such errors can persist for so long. In addition, my personal information is still incorrect, which is contributing to these fraudulent and inaccurate accounts being linked to me. I am a victim of identity theft, and I never authorized or benefited from these accounts. They have only harmed me and my credit.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, National Bank sent a transfer to XXXX XXXX for {$1000.00}. That money was never received. Neither bank is able to determine why and neither takes responsibility for the missing funds. Both state it is the other bank 's responsibility and neither claim to have the technical capability to track it down.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved them. This is completely unacceptable and constitutes the reporting of false and misleading information about my financial history. 

I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern and hardship. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
The dates and amounts are in accurate due to I never received anything from loan at all I went to the school for courses and books never got anything sent to me directly and the loan was explained as only repayable after I receive a job in the studied field with job placement which never occurred at all. As well as unaware that it would be put onto my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
I am the victim of identity theft. Someone used my personal information without authorization to open multiple fraudulent credit accounts, bank accounts, and loans in my name. These fraudulent accounts include credit cards with XXXX, Bank XXXX XXXX, XXXX XXXX, XXXX Bank XXXX ( XXXX XXXX ), an auto loan with XXXX XXXX XXXX XXXX, and fraudulent accounts with XXXX XXXX, XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. In addition, collection accounts ( XXXX XXXX XXXX, XXXX AR XXXX ) and multiple unauthorized credit inquiries were placed on my credit file. 
I did not authorize any of these accounts or inquiries. They are the direct result of identity theft. I filed an Identity Theft Report with the Federal Trade Commission, FTC Report # XXXX, and provided copies of my report, identification, and supporting documentation to the credit bureaus. Despite my formal disputes under the Fair Credit Reporting Act ( FCRA ), including section 605B which requires blocking fraudulent items within 4 business days, the fraudulent accounts and collections remain on my credit reports. 
These items are severely damaging my credit history and preventing me from accessing fair credit opportunities. I am requesting that the CFPB assist in ensuring that the credit bureaus and furnishers of information comply with the FCRA by removing/blocking all fraudulent accounts and inquiries identified in my FTC Identity Theft 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am the victim of identity theft. Someone used my personal information without authorization to open multiple fraudulent credit accounts, bank accounts, and loans in my name. These fraudulent accounts include credit cards with XXXX, Bank XXXX XXXX, XXXX XXXX, XXXX Bank XXXX ( XXXX XXXX ), an auto loan with XXXX XXXX XXXX XXXX, and fraudulent accounts with XXXX XXXX, XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. In addition, collection accounts ( XXXX XXXX XXXX, XXXX AR XXXX ) and multiple unauthorized credit inquiries were placed on my credit file. 
I did not authorize any of these accounts or inquiries. They are the direct result of identity theft. I filed an Identity Theft Report with the Federal Trade Commission, FTC Report # XXXX, and provided copies of my report, identification, and supporting documentation to the credit bureaus. Despite my formal disputes under the Fair Credit Reporting Act ( FCRA ), including section 605B which requires blocking fraudulent items within 4 business days, the fraudulent accounts and collections remain on my credit reports. 
These items are severely damaging my credit history and preventing me from accessing fair credit opportunities. I am requesting that the CFPB assist in ensuring that the credit bureaus and furnishers of information comply with the FCRA by removing/blocking all fraudulent accounts and inquiries identified in my FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief