vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
I am filing this complaint because my consumer report contains multiple inaccurate addresses and unauthorized inquiries that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors have caused confusion, potential damage to my credit profile, and emotional distress. Despite my previous disputes, the credit reporting agencies have failed to conduct a lawful reinvestigation as required under federal law. I am requesting immediate investigation, correction, and deletion of all listed items below. 

XXXX XXXX XXXX L XXXX XXXX, XXXX, CA XXXX This address is not mine. Keeping this unverifiable information violates 1681e ( b ) and 1681i ( a ) ( 5 ). Experian is required to delete data that can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have no connection to this address. Reporting false personal data breaches 1681e ( b ). Experian must remove it immediately to comply with the FCRA. 

ODE XX/XX/XXXX Unauthorized inquiry with no permissible purpose under 1681b ( a ). This must be deleted for failure to confirm consent. 

XACTUS XX/XX/XXXX I did not authorize this inquiry. XXXX failure to confirm written consent violates XXXX ( f ) and XXXX ( b ). Remove immediately. 

XXXX XX/XX/XXXX XXXX authorization was provided for this access. Reporting this inquiry breaches XXXX ( a ) ( XXXX ) and XXXX ( a ). 

XXXX XX/XX/XXXX This inquiry was never approved. Experian must delete unverifiable inquiries under 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ).

Each of the above issues clearly demonstrates failure to maintain accuracy, failure to investigate disputes, and lack of proper consumer data protection as mandated by FCRA 602, 604, 607, 611, and 616. I am requesting CFPB intervention to ensure that the credit bureaus and data furnishers comply with federal law, delete all inaccurate addresses and unauthorized inquiries, and issue confirmation of correction. Continued reporting of false information after being notified constitutes willful noncompliance and subjects the reporting parties to civil liability under FCRA XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is processing bill pay payments prior to the selected due day and the returning the payments when the funds are deposited. This been happening weekly for almost 2 months.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be reviewed and verified, and if they can not be confirmed, that they be corrected or 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 2025-11-11 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: TX

Complaint narrative:
Im writing again because multiple fraudulent accounts are still showing up on my credit report, even after Ive taken every proper step to dispute and resolve this issue. Its incredibly frustrating that these unauthorized entries continue to appear, and it raises serious concerns about how this situation has been allowed to go on for so long.

My credit report also contains incorrect personal information, which seems to be contributing to these false accounts being linked to me. I am a victim of identity theft my personal details were used without my consent, and I have no connection to any of these accounts being reported in my name.

Following Equifaxs instructions, I filed an FTC Identity Theft Report and submitted all the necessary documents, yet these fraudulent items are still listed. This ongoing inaccuracy is damaging to both my credit and my peace of mind.

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

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and have served continuously since 2014. 

Under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) and 1681i ), I am requesting the immediate removal of all inaccurate late-payment remarks reported on my credit file that occurred during my active-duty military service. 

Reporting delinquencies or late payments during a period of verified active-duty service is prohibited and misleading under both SCRA and FCRA. These laws protect servicemembers from adverse credit actions and require credit reporting agencies to ensure the accuracy and completeness of information furnished to consumer reports. 

I have been on continuous active-duty status since 2014, and my credit reports currently contain late-payment notations that were reported while I was actively serving. These entries must be deleted or corrected to comply with : SCRA 3937 ( Protection against adverse credit actions for active-duty servicemembers ) FCRA 611 ( a ) ( 5 ) ( A ) ( Requirement to correct or delete inaccurate or incomplete 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: WV

Complaint narrative:
During my period of active military service, both Discover and XXXX reported late payments on my credit accounts even though I was on active military orders and unable to manage my accounts or access phones during that time. 

The affected periods are : Discover Card : Reported late for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
XXXX : Reported late for XX/XX/year>. 

I was on active military orders during those months and therefore protected under the Servicemembers Civil Relief Act ( SCRA ). These late marks negatively impacted my credit despite my active-duty status. 

I first contacted both Discover and XXXX directly to explain my situation and request that they correct the reporting under SCRA protections XXXX Each company told me to file a dispute through the credit bureaus ( XXXX XXXX  and XXXX  ). I then filed disputes with the credit bureaus, but the creditors verified the late payments as accurate without considering my active-duty documentation. 

I believe both companies should have reviewed my active-duty status and applied appropriate protections. While I understand that SCRA does not automatically forgive missed payments, these delinquencies occurred solely because of my active-duty assignment where I had no access to communication or financial management tools. 

I am respectfully requesting that : XXXX. Discover and XXXX remove the late payment notations from my credit reports for the affected months ( XXXXXXXX XXXX XXXXor Discover ; XX/XX/year> for Amex/CBNA ) XXXX 
2. Both companies review their handling of servicemembers accounts to ensure proper SCRA consideration and communication.

3. Updated, corrected credit information be sent to all three major credit bureaus. 

I am providing documentation of my military orders to verify my service dates. I am simply asking for fair and accurate credit reporting that reflects my service period and compliance with federal protections under XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX have refused to be in compliance with FCRA with reporting the accuracy of of the original delinquency date for a vehicle that is reporting past the 7 year mark to be deleted. All theee credit bureaus and XXXX XXXX have violated my rights to have all XXXX on my credit report as accurate. This has started to be harrassing and stressful. I am moving forward with complaints with other agencies and further action. This has been a 2 month struggle. XXXX can not re age a account and you can not report an date after the account was brought to current This is a a violation of of the Fair Credit Reporting Act.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX have refused to be in compliance with FCRA with reporting the accuracy of of the original delinquency date for a vehicle that is reporting past the 7 year mark to be deleted. All theee credit bureaus and XXXX XXXX have violated my rights to have all XXXX on my credit report as accurate. This has started to be harrassing and stressful. I am moving forward with complaints with other agencies and further action. This has been a 2 month struggle. XXXX can not re age a account and you can not report an date after the account was brought to current This is a a violation of of the Fair Credit Reporting Act.

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 2025-11-11 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 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 2025-11-11 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: DISCOVER BANK
State: CT

Complaint narrative:
This is a follow-up to an existing complaint I filed against Discover Complaint ID : XXXX Shortly after filing, Discover began contacting me directly by phone, even calling from numbers I had previously blocked. These calls occurred despite the fact that I have not given consent for phone contact and requested that all communication be handled in writing since previously and even through the CFPB portal. 

The company should be corresponding through the CFPB process only not contacting me directly about an open complaint. This behavior feels like an attempt to circumvent the formal process and pressure me into informal communication. 

I am requesting that Discover be instructed to cease all phone contact immediately and that this repeated contact be added to my original case record as part of their noncompliance.

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

Complaint narrative:
I am unaffiliated with these accounts ; they must be removed from my record within 15 days as mandated by USC 1681g.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Driveway Finance Corporation
State: NY

Complaint narrative:
I am disputing a {$19000.00} charge-off from XXXX XXXX that was reported under a joint auto loan account. The primary account holder, XXXX XXXX XXXX, passed away on XX/XX/scrub>, 2023 XX/XX/XXXXXXXX ). However, the account was being actively paid prior to his passing I have documentation including a money order dated XX/XX/scrub> 2023, made out to Driveway Finance Corporation. 

After his death, I was not notified of any outstanding balance or default process, nor did I assume or co-sign responsibility for the remaining debt. The reporting of this charge-off to my credit file is inaccurate and damaging, especially given that the balance was actively being handled and I have since confirmed I am not the primary responsible party. 

I have included a formal letter and attached supporting documentation.

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

Complaint narrative:
This letter serves as a formal dispute regarding numerous inaccuracies and unverified items on my credit report, which I recently obtained from XXXX on XX/XX/year> ( Reference # : XXXX ). I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). 
Enclosed with this letter are copies of my government-issued identification, social security card, and a recent utility bill to verify my identity and current address. 
I demand a thorough re-investigation of the disputed information within 30 days, as required by FCRA 611. All inaccurate, incomplete, or unverifiable information must be permanently deleted from my credit file. I also request that you mail me an updated credit report reflecting these corrections.

Please refer to the attached detailed dispute letter for a comprehensive list of items requiring immediate attention and deletion. Be advised that any failure to conduct a reasonable investigation or to remove unverifiable data will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action.

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 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
To WhoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  formally notify you of a potential violation of my rights under the Health Insurance Portability and Accountability Act ( XXXX ). My medical information has been disclosed to a third party ( Experian Credit Bureau ) without my authorization, in connection with an account you reported from XXXX XXXX XXXX XXXXXXXX. 

By reporting this medical-related debt to a credit reporting agency and listing the providers name, you disclosed protected health information ( PHI ), which includes the identity of my medical service provider. This disclosure constitutes a violation of XXXX privacy rules, as it was made without my authorization and exceeds what is necessary for permissible credit reporting purposes under the Fair Credit Reporting Act ( FCRA ).

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

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Take time to go over the materials ; these inquiries appeared without notice and might be invalid.

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