vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Formal Dispute and Request for Deletion of Vehicle Repossession Violation of FCRA, TILA, and ECOA I am formally disputing the accuracy and legality of a vehicle repossession account being reported on my credit file. The information provided by XXXX is inaccurate, incomplete, and possibly unlawfully reported in violation of federal law. Please investigate and delete the following entry from my credit report : XXXX : XXXX Account XXXX Date of XXXX Grounds for Dispute : Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681c-2 ) : The furnisher of this information has not complied with their obligation to report accurate and fully verifiable information. If this account can not be substantiated by original documents, it must be deleted. I am also asserting my rights under 1681c-2 to block the reporting of information that is either erroneous, fraudulent, or can not be properly verified. 

Violation of the Truth in Lending Act ( 15 U.S.C. 1635 ) : If this loan was secured with my primary residence or tied to any lien without proper disclosure, I was not notified of my right to rescind the transaction. Under 1635, this is a violation that can extend rescission rights up to XXXX years from the date of the transaction, which could invalidate the terms and enforcement of the loan and any resulting repossession. 

Possible Violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : I am also requesting a review to determine whether any discriminatory practices were involved in the approval, servicing, or collection of this account. I was not given proper notice or justification for the adverse action, which is required under 1691 ( d ).

Requested Action : I am requesting the immediate investigation and removal of this repossession from my credit report. If the original creditor or data furnisher can not verify this information with complete accuracy, it must be permanently removed as required by law.

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 2025-06-18 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: AmeriCollect
State: FL

Complaint narrative:
Americollect they closed the accounts but didnt delete late payments or remove it from my credit report. They had no proof it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX failed to provide proof of delinquency for the account ending up with... XXXX. I am disputing the delinquency on my credit report because it should have been removed after XXXX years from the date of the XXXX  missed payment. Please provide the date of the XXXX missed payment, and then delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
These accounts are fraudulent and were established without my knowledge or consent. I request their immediate removal from my credit file under 15 U.S. Code 1681g. I have included supporting documentation and expect resolution within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
The following accounts are not mine and were opened without my knowledge. I request a thorough investigation and their immediate removal in accordance with 15 U.S. Code 1681g. Please complete this correction within 15 days. Supporting evidence is enclosed.

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 2025-06-18 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: WI

Complaint narrative:
Im keeping this brief because, so far, it seems my detailed explanations havent been properly understood or addressed. Im choosing not to attach all the letters and documents again, as past submissions have only led to confusion and have not addressed the actual issue. I want to keep the focus on resolving the core problem this time.

Ive contacted Equifax multiple times about the incorrect name on my credit report. They say theres a process, but they never tell me which company is reporting this fraudulent name.

Since contacting Equifax multiple times about the incorrect name on my credit report the dispute packets, they mail me are inconsistent the envelope has one name, and the forms inside have another. Nothing matches in your system.

Ive submitted my drivers license, Social Security card, and a utility bill three separate times, sent by certified mail, and yet I keep being told to submit the same documents again. Ive complied fully and repeatedly, but nothing is being resolved and no one can tell me which company is even reporting this fraudulent name.

If you look at the government issued documents, they clearly read : XXXX XXXX How is it my name was changed to another name so easily but can't even be corrected by following protocol?? 

I need a real answer and a real resolution. Not another form letter. 

IS IT POSSIBLE THERES A CROSS-REFERENCE OR MIX-UP BETWEEN MY FILE AND SOMEONE ELSES?? THAT WOULD EXPLAIN WHY DIFFERENT NAMES KEEP APPEARING AND WHY YOUR SYSTEM DOESNT SEEM TO ALIGN WITH THE DOCUMENTS IVE REPEATEDLY SUBMITTED. I STRONGLY URGE YOU TO REVIEW FOR ANY INTERNAL FILE MISMATCH OR MERGED PROFILE ERROR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$870.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$870.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I am disputing the validity of a debt being reported and collected by MRS BPO LLC. The collection agency is reporting this debt to the credit bureaus in an attempt to collect a debt that has NOT been proven to be valid. Additionally, this damages my credit, despite never validating the debt or providing original account details. This is a violation of both the FDCPA and FCRA 623 ( a ) ( 3 ), which prohibits furnishing inaccurate or unverifiable data. I am requesting this collection be 1. Removed from all credit reports 2. Ceased from all collection attempts until verified with consumer ( Me ) 3. Investigated for violation of federal consumer laws If you continue to report, I would like to make you aware that you will be violating FDCPA Section 809 ( b ) I would also like to make you aware that I never received a debt validation notice which is MANDATORY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : EXPERIAN BUSINESS CRED - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent account ( XXXX ) on my report. Please remove this account ( XXXX ) as it is affecting my ability to obtain 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 2025-06-18 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this complaint to alert the Consumer Financial Protection Bureau ( CFPB ) to potentially deceptive and unlawful actions by Discover Bank involving the securitization of consumer credit card accountslike minewithout any consumer knowledge, consent, or transparency. 

I recently discovered through XXXX  filings that Discover Bank has been actively securitizing credit card receivables into publicly traded asset-backed securities ( ABS ), through trusts like the Discover Card Master Trust I and Discover Card Execution Note Trust. 

In their official XXXX-filed XXXX  XXXX  ( XXXX XXXX XXXX. XXXX ), Discover discloses the following : The receivables from consumer credit card accounts are pooled into trusts and securitized. 

Securities backed by these receivables are sold to investors and even listed on the XXXX XXXX XXXX. 

Consumers are not informed that their debts are being transformed into investment instruments and traded on secondary markets. 

I was never told during the application or approval process that Discover would package, sell, or profit from my account in this way. 

Potential Violations : Truth in Lending Act ( TILA ) Discover did not disclose the true nature of the transaction or the potential securitization of my account.

Gramm-Leach-Bliley Act ( GLBA ) Sharing and monetizing my private financial data with investors, trusts, and third parties without consent.

Fair Credit Reporting Act ( FCRA ) Ongoing reporting to credit bureaus while the underlying obligation has already been transferred/sold.

Unjust Enrichment / Constructive Fraud Discover profits from monetizing my receivables while still asserting the right to report, collect, or sue for the same account.

Securities Deception Discover did not disclose to me, the originator of the receivable, that my account would become the basis of investment-grade securities.

What I Want the Company to Do : Provide full disclosure about any and all trusts or investment vehicles where my credit account was pooled or securitized.

Disclose all assignments or sales of my account and provide a full accounting of the profits made from my receivable.

Cease and desist from securitizing consumer accounts without express, affirmative consent. 

I request that the CFPB investigate Discover Bank for deceptive financial practices, lack of transparency, and possible violations of federal financial laws. 

I have attached the XXXX XXXX  ( Exhibit A ) where Discover explicitly lays out this securitization scheme. 

Company Name : Discover Bank Account Type : Credit Card Exhibit A : Discover XXXX  XXXX  XXXX  Filing No. XXXX

Company response to consumer: Closed with non-monetary relief