vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: GA

Complaint narrative:
A deleted collection account was illegally reinserted into my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). The FCRA requires the credit bureau to send written notice of any reinsertion within 5 business days to my last known address in their records.

.A deleted collection account was unlawfully reinserted into my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). The law requires the credit bureau to send written notice of any reinsertion within 5 business days to my last known address. This is a clear procedural violation. I never received notice, which deprived me of my right to immediately dispute the reinsertion and review the certification of accuracy that the FCRA mandates before a reinsertion occurs.

This reinsertion is invalid under the FCRA and must be immediately removed from my credit file. I demand deletion of this account unless and until the bureau can prove full compliance with 611 ( a ) ( 5 ) ( B ), including : ( 1 ) proper notice to my last known address and ( 2 ) documented certification of accuracy from the furnisher prior to reinsertion. Failure to comply will result in further legal action. 

my known adress is XXXX XXXXXXXX XXXX XXXXXXXX ga XXXX it was reinserted back into XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax provides no multi-factor or 2-factor authentication when logging into your account on their online portal. It is absolutely ridiculous and needs to be changed right now! Anyone who can authenticate using your username and password has access to virtually all your personal identification information! All someone needs is my username and password and they are able to get into my account, there is no way to verify when logging in, it is insane! XXXX and XXXX both offer 2FA and as 1 of the major 3 credit reporting firms, Equifax should be forced to offer the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-08-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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 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  15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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 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  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRY : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I am filing this complaint because TransUnion has failed to properly investigate, verify, or validate a dispute I submitted regarding an alleged debt reported by XXXX XXXX XXXX. 

I have disputed this account multiple times, both in writing and online, requesting that TransUnion verify the accuracy of the information in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I requested full validation and verification, including documentation that proves I am legally obligated to pay the alleged debt and a signed contract bearing my signature. 

Despite my clear request for validation, TransUnion verified the debt without providing me with any supporting documentation or proof of investigation. This violates my rights under the FCRA, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete inaccurate or unverifiable information within 30 days. 

I have reason to believe that XXXX XXXX can not validate or verify this alleged debt, as they previously deleted the account from my Experian credit report. However, TransUnion continues to report the account without supplying any evidence that it is accurate or valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX USC XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX XXXX {$9100.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX CRED XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX U.S.C, XXXXsection XXXX XXXX. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( a ) ( XXXX ) 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 XXXX years. XXXX U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX USC XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX XXXX {$9100.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX CRED XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX U.S.C, XXXXsection XXXX XXXX. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( a ) ( XXXX ) 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 XXXX years. XXXX U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I have filed identity theft. I did not authorize Avant to pull my credit and create a hard inquiry. I would like it removed from my XXXX  account immediately. This has negatively impacted my credit and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
I am being taken to court this Tuesday for a debt from 2017 I have not received an itemized statement of these charges. I have contacted them many times trying to reach a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Accounts were updated but never removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am a citizens bank customer and this is in regards to citizens bank. I made an atm deposit at a citizens atm on Saturday XX/XX/XXXX, the machine took my {$800.00} cash and did not give me credit or return my money. I recieved no receipt. On Sunday XX/XX/XXXX I called and filed a dispute. On Monday XX/XX/XXXX I called the branch I made the deposit at. The employee there informed me they had several other claims on deposits not being credited. He informed me they were working to correct the situation and credit accounts. On Friday XX/XX/XXXX I received provisional credit for the {$800.00}. I was under the impression the case was closed and everything was fine. On XX/XX/XXXX without notification the {$800.00} was pulled from my account as a XXXX debit. On XX/XX/XXXX I called my local branch again, the manager stated he was too busy and told me to call the number on the back of my card. I proceeded to call the number on the back of my card and was forwarded to the dispute/claim department. They claimed my phone number was not on record and sent me back to customer service to update my number to be able to receive a OTP. Customer service updated my number and successfully sent me an OTP at XXXX. I was transferred back to the claim department. The rep at the claim department was able to see my claim and I explained the entire situation. The rep told me he would be putting in an expedited request for new provisional credit and that credit could be expected within hours. After not seeing the credit I called back in to the claims department, the rep this time told me I would need to go to the branch to handle the situation and that a OTP could not be sent. At this time I demanded to speak to a manager. The manager picked up and I explained the situation. I explained I was out of the citizens footprint on vacation with my family. The manager stated because I could not receive a OTP that he could not assist me. I let him know that I had received an OTP earlier in the day. He also stated I would need to go to a branch. My account is currently several XXXX XXXX  overdrawn due to this incident and will likely accrue overdraft fees before I can find a way to make it to a branch to hopefully fix the situation. I feel I have received no assistance from the bank and they seem to be completely unwilling to help. This event has caused me XXXX  and caused a negative impact on my family vacation and wasted several hours of my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX had an account in my name opened XX/XX/XXXX and then closed XX/XX/XXXX, XXXX account type Telecommunication/cellular. XXXX XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, ( XXXX ) XXXX. I have XXXX XXXX XXXX now and have not had XXXX XXXX. Someone is using my name. Also, XXXX credit card was opened XX/XX/XXXX. I never opened this credit company under any circumstances did I give anyone authorization to do so. I never signed anything, nor was I aware and have never seen or used this card at all. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Phone number ; ( XXXX ) XXXX. Please take this off my records. Finally Target Credit Card, Credit info ; TD Bank USA/Target CREDIT, XXXX XXXX XXXX XXXX, MN XXXX, was opened on XX/XX/XXXX and it's still active, why is this card on my account. If you check I have never used nor have I seen this card and I don't have in my possession this card. So please take this card off my records. If you see my address I don't even use this card in XXXX XXXX, Florida. So please remove this cards off my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MI

Complaint narrative:
This complaint concerns Experians and XXXX XXXX XXXX XXXX ( XXXX ) handling of a tradeline for account ending XXXX, in which both entities reported a 30-day late payment for XX/XX/XXXX despite XXXX  granting a payment extension on XX/XX/XXXX. XXXX  own records show no payment was due until XX/XX/XXXX. 

1. Clear Evidence of Inaccuracy XXXX  and Experian possessed documentary proofgenerated by XXXXthat contradicted the XX/XX/XXXX delinquency. Despite this, Experian continued reporting the tradeline as 30 days past due, meeting the facially inaccurate and materially misleading standards under XXXX, XXXX, XXXX, and XXXX. 

2. Multiple Disputes Ignored Between XX/XX/XXXX and XX/XX/XXXX, at least six detailed disputes ( both direct and indirect ) were filed with primary-source evidence attached. Experian nonetheless continued publishing the derogatory payment history without correction. 

3. Failures in Reinvestigation Duties Neither Experian nor XXXX conducted reasonable reinvestigations as required under : 15 U.S.C. 1681i ( CRA reinvestigation ) 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) 15 U.S.C. 1681s-2 ( b ) ( furnishers reinvestigation and correction duty ) 4. Procedural Defects Experian delayed more than five business days to forward disputes to XXXX ( 1681i ( a ) ( 2 ) ( A ) ).

Experian improperly blocked further disputes under 1681i ( a ) ( 3 ) ( A ) without the required written notice. 

XXXX marked disputes as duplicates without issuing the notices mandated by 12 C.F.R. 1022.43 ( f ).

5. Evidence of Willfulness Experians internal reports labeled the account incorrect but refused to correct it. 

CFPB advisory opinions and a XX/XX/XXXX enforcement action placed Experian on notice of its obligations. 

Experian repeatedly ignored facially false data and mischaracterized dispute codes. 

6. Independent CRA Liability Even if XXXX violated XXXX ( b ), Experian remains XXXX liable under XXXX ( b ) and XXXX to correct obvious inaccuracies and materially misleading information. 

XXXX. Concrete Harm Experians continued false reporting has caused : Loss of housing and employment opportunities, particularly in clearance-sensitive aerospace/defense roles. 

Prolonged homelessness and financial instability. 

XXXX XXXX 

Missed high-level job offers due to likely clearance denial. 

Compounding harm during a white-collar recession. 

The complaint asserts that these facts support findings of both negligent and willful FCRA violations, warranting actual and punitive damages. 

The full complaint is attached.

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 2025-08-10 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:
This complaint concerns three XXXXrelated tradelines ( XXXX, XXXX XXXX XXXX XXXX ). 
The accounts were charged off in late XXXX XXXX and sold to XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  written responses dated XX/XX/XXXX ( and follow-ups on XX/XX/XXXX ) confirm the sale and that XXXX reporteXXXX XXXX XXXX0.00} balance after the sale. 
In XX/XX/XXXX, XXXX XXXX XXXX issued IRS Forms 1099-C for these debts : {$810.00} on XX/XX/XXXX and {$1100.00} on XX/XX/XXXX, indicating the debts were canceled. 
Despite the sale and cancellation, the credit bureaus show inconsistent and misleading reporting : XXXX XXXX XXXX  reflect charge-off/sold with {$0.00} balance and last activity in XXXX. 
XXXX continues to display XXXX with recent last reported/date of status updates in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and XX/XX/XXXX ( XXXX ), even though there has been no activity or payments since XXXX. This makes the derogatory items appear newer than the true date of first delinquency ( XXXX ) and appears to be re-aging. 
I contacted the companies and provided copies of XXXX letters and the 1099-C forms. The responses I received in XX/XX/XXXX declined to correct the reporting. I am asking for an investigation into these tradelines based on the inconsistent dates/status and the 1099-C cancellations.

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