vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: DC

Complaint narrative:
I requested to send me the security deposit refund three times. First time, I called and gave them new adress to send a check, then I didnt receive it and messaged via discovery app and two times submitted a form for refund. I have all conversations and messages saved. I waited more than 16 business days, but never received refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This complaint is regarding a fraudulent credit card account originally associated with XXXX XXXX XXXX XXXX XXXX. The amount being reported is {$12000.00} and it is currently shown as a collection by XXXXXXXX XXXX XXXX I first discovered this account around 2021, reported it as identity theft at that time, and the account was removed from my credit report following the dispute process. I did not open this account or authorize any charges. 

In XX/XX/XXXX, this debt reappeared on my credit report under a new debt collector, XXXX XXXX XXXX I did not receive any reinsertion notice prior to it being placed back on my credit report, which is required when previously deleted information is reinserted. I have filed a new identity theft report with XXXX, and I am actively disputing the account with the credit bureaus. I am also requesting validation from the collection agency. 

I am asking for assistance in removing this fraudulent account from my credit files and ensuring that the collector and credit bureaus comply with the Fair Credit Reporting Act regarding identity theft, reinvestigation, and reinsertion rules.

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

Complaint narrative:
I am filing this complaint because several items being reported about me are inaccurate and causing financial harm. These errors do not reflect my true payment history or personal information, and they violate federal accuracy and verification requirements. I am requesting a full investigation and immediate correction or deletion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not recognize this address and have never used it for any purpose. It is inaccurate and must be removed. 

XXXX XXXX XXXX XXXX, MI XXXX I have never lived here and have no association with this location. This incorrect address must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$320.00} Chargeoff I have no knowledge of this account and have never opened anything with this company. There is no authorized relationship or legitimate record connecting this to me, so it must be deleted immediately. 

These inaccurate items are harming my credit and violating my rights under the FCRA. I request immediate correction or deletion and a full investigation.

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

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am following up on my previous complaint regarding numerous inaccuracies on my credit reports with Experian, Equifax, and TransUnion, including outdated or incorrect personal information ( XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX ; XXXX XXXX XXXX XXXX  TX, XXXX ), unauthorized inquiries ( SBA XX/XX/year> ), and derogatory accounts that are inaccurate, unverified, or do not belong to me, including XXXXXXXX XXXX XXXX XXXXXXXX {$13000.00}, XXXX XXXX XXXX {$7300.00}, XXXXXXXX XXXX XXXXXXXX {$9000.00}, XXXX XXXX XXXX {$430.00}, XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6200.00}, and others as previously listed. These inaccuracies violate my rights under the Fair Credit Reporting Act, including 605 ( a ) ( obsolete information ), 607 ( b ) ( credit bureaus obligation to maintain accurate records ), 611 ( dispute of inaccurate inquiries ), and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( obligation to report accurate information and date of first delinquency ), as well as my rights under the FDCPA 807 and 808 ( false or misleading representations and unfair practices ) and DCPA 809 ( debt validation rights ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am following up on my previous complaint regarding numerous inaccuracies on my credit reports with Experian, Equifax, and TransUnion, including outdated or incorrect personal information ( XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX ; XXXX XXXX XXXX XXXX  TX, XXXX ), unauthorized inquiries ( SBA XX/XX/year> ), and derogatory accounts that are inaccurate, unverified, or do not belong to me, including XXXXXXXX XXXX XXXX XXXXXXXX {$13000.00}, XXXX XXXX XXXX {$7300.00}, XXXXXXXX XXXX XXXXXXXX {$9000.00}, XXXX XXXX XXXX {$430.00}, XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6200.00}, and others as previously listed. These inaccuracies violate my rights under the Fair Credit Reporting Act, including 605 ( a ) ( obsolete information ), 607 ( b ) ( credit bureaus obligation to maintain accurate records ), 611 ( dispute of inaccurate inquiries ), and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( obligation to report accurate information and date of first delinquency ), as well as my rights under the FDCPA 807 and 808 ( false or misleading representations and unfair practices ) and DCPA 809 ( debt validation rights ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a Target RedCard account. I am enrolled in online statements where I normally get email notifications of statements. However, I stopped getting email notifications after XX/XX/year> which I believe is due to technical issues by the card issuer. As a result, I was unaware of the due date and missed two payments This caused a late fee and a negative mark on my credit report, lowering my score by over 140 points. I contacted Target customer service multiple times and wrote to Target RedCard. While they reimbursed the the late payment fees, they have refused to remove the late payments from my credit report, citing that the late payment was accurate. 

More details : XX/XX/year> Email for statement received XX/XX/year> Email for statement never received XX/XX/year> Email for statement never received XX/XX/year> Email for statement never received ( assessed fee {$1.00} ) XX/XX/year> Email for statement never received ( assessed fee {$1.00} ) XX/XX/year> Email for statement never received ( assessed fee {$1.00} ) XX/XX/year> Paper statement received ( Bill promptly paid {$14.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I Sent A Debt Validation Letter Certifed Mail XX/XX/year> Trying To Get Information On Debt No Response

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

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act0 ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy P
rocedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
upon receiving a letter stating that my information has been stolen in a data breach, I pulled my credit report and discovered XXXX accounts that were fraudulently open in my name under identity theft I contacted the XXXX credit card companies listed and inform them that my information was stolen in a data breach and accounts were open in my name without my consent and they were fraudulent i requested that it be investigated and that the accounts be closed and removed from my credit report I have not gotten any further feedback from any of these companies therefore I am filing this report so that the federal trade commission can investigate this and have these accounts removed as I am covered by law 15 U.S.C 1681 to have these accounts removed from these credit bureau, listings, and my credit report back in perfect standing as it was

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
I am filing this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting multiple inaccurate accounts, personal information errors, and an identity-theft related account, and they have failed to properly investigate, even after I disputed the items in writing. 

Despite receiving my mailed disputes, the agencies sent generic responses and claimed items were verified '' without providing the legally required method of verification, as required under FCRA 1681i ( 7 ). They also did not correct any of the inaccurate personal information or remove the accounts that I identified as false, outdated, or not belonging to me. 

In addition, I requested documentation showing how the information was verified, including which creditor or individual they spoke with, and none of the bureaus provided this. 

Each bureau is reporting accounts that are not mine, unverified, or previously disputed without proper investigation, including : XXXX XXXX XXXXXXXX accounts Account # XXXX Account # XXXXXXXX XXXX XXXX account ( TransUnion ) no validation provided XXXX XXXX account ( Experian ) I contacted the creditor and requested proof ; more than 30 days passed with no validation XXXX XXXX  account ( TransUnion ) identity theft ; I submitted an FTC Identity Theft Report but they did not remove it. 

The bureaus continue to report these accounts even though they can not produce any proof of a signed contract, proper validation, or documentation showing that the account belongs to me. 

The credit bureaus appear to have : Performed superficial or automated investigations Ignored my written documentation Returned generic templates instead of full reinvestigations Failed to correct personal information Failed to remove unverifiable or fraudulent accounts This violates : FCRA 611 Reinvestigation of Disputed Information FCRA 607 Accuracy FCRA 623 Responsibilities of Furnishers These reporting failures have caused : Stress and emotional hardship Denial of credit Higher interest rates Loss of time and resources due to repeated disputes Confusion and mix-ups with personal identity 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 2025-12-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American Lending Finance
State: MI

Complaint narrative:
American linen is garnishing my check and my state income tax check they already have taken my whole work check for a vehicle that I had back in 2010 it been so long ago and they just know reach it out and took my money it's been over 15 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Transunion immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law.

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX VIA DEALER XX/XX/year> XXXX XXXX SERVI XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX of 2025 We were staying at XXXX XXXX XXXX and got a smoking charge even considering we r minors and can not travel with XXXX. On top of that they stated they sent us a warning text and final text which we never received. Just a charge and someone saying we smoked in there with no proof. As well as walking back into our room from speaking with costumer service the entire room smelt of XXXX XXXX the lei was left open while we went downstairs. Later after resolving it with the XXXX they told us we were in the right and a XXXX would call us. They ended up calling us and telling us this happens all the time and the best we can do is despute. which came from a XXXX which is a little alarming! Fast forward i been trying to depute and the USAA bank will not look at my uploaded documents and its been over a month. As well as there are MULTIPLE complaints of this happening from this hotel.

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 2025-12-09 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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