vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase of {$2000.00} through a XXXX monthly payment plan using my Discover card. The product was marketed to me during a sales call, where I was shown specific features and materials that I would receive as part of the program. After purchase, these promised items were not delivered. I only obtained partial access after over a month of repeated requests to the company. 

The product itself was an informational web program that was materially misrepresented. Instead of the comprehensive training and resources shown in the sales presentation, the product consisted only of some short 5-minute videos providing little to no substantive value. This constitutes false advertising, failure to deliver as promised, and deceptive business practices. 

On XX/XX/year>, I filed a chargeback with Discover for this transaction. I provided evidence that the merchant misrepresented the product and failed to deliver it as advertised. Despite this, Discover decided the dispute in the merchants favor, leaving me with a remaining balance of {$1800.00} after my first installment payment through XXXX. 

I strongly disagree with this outcome. The merchant engaged in unfair and deceptive practices, failed to deliver the product as sold, and continues to demand payment for something that does not meet the terms represented at purchase. I am requesting that Discover reopen this case, review the evidence again, and provide protection under consumer protection standards against what I believe to be a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: UT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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.

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 2025-09-25 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: CA

Complaint narrative:
Regarding my Experian Credit Report I was reviewing my Experian credit report and found that they are reporting a late payment for my XXXXXXXX XXXX  account for the month of XX/XX/year>. 

This payment was not late and it is being reported as paid on time by XXXX 

According to the FCRA the information in my credit report needs to be correct and accurate along with being reported consistently across all credit reporting agencies. 

Please update this payment to paid on time because this in accurate information is negatively impacting my credit score and preventing me from getting loans and refinancing my mortgage.

I have attached a screenshot of my credit report for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Re : Request for Account Information Account Number : NAVY FCU - XXXXXXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I respectfully dispute the accuracy of this late payment and request that it be deleted to reflect my strong payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: HI

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been inaccurately reported under my name. These accounts were opened without my knowledge, authorization, or consent, and their presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
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. 

XXXX XXXX XXXXXXXX # XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX # XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$8200.00}

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote the credit Bureau saying they are reporting inaccurate information on my reports, I sent a letter asking could they remove all inaccurate information off my reports with an updated report, and yet they have done it this has cause my credit to go down an also stop me from getting credit can you all please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI responded with a packet of disclosures and agreements from XXXX XXXX, but none of them prove this account belongs to me. The Notice of Cancellation form they sent is blank no buyer name and no wet signature. There is also no signed contract or promissory note showing I ever agreed to this debt.

What I am asking for is very simple : proof that I personally signed and gave this company permission to take and use my personal information. They have not provided that. Uploading generic templates or unsigned documents is not validation and does not prove I authorized this account. 
Reporting without proper consent and proof violates federal law including : FCRA 15 U.S.C. 1681e ( b ) information must be accurate and verifiable.

FCRA 15 U.S.C. 1681i disputed accounts must be fully reinvestigated.

FDCPA 15 U.S.C. 1692g ( b ) collectors must stop until they provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Hunter Warfield , Inc. regarding their attempt to collect an invalid debt and their reporting of this debt to the credit bureaus, which has caused significant harm to my credit standing. 
Background - I rented XXXX XXXX, XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 
- Upon move-out, the landlord improperly charged me {$830.00} for paint and carpet replacement. 
- These charges represent normal wear and tear, which tenants can not be charged for under Texas Property Code 92.104.

- Texas law defines normal wear and tear ( 92.001 ( 4 ) ) as deterioration from intended use, which clearly includes repainting and carpet replacement after more than two years of tenancy. 
- The apartment was vacated in excellent condition, with professional cleaning ( {$210.00} invoice attached ) and no damages. 
MY ACTIONS- I disputed the charge with the landlord immediately in XX/XX/XXXX. 
- On XX/XX/XXXX, I filed disputes with XXXX, XXXX and XXXX  after Hunter Warfield reported this invalid collection. 
- I also mailed a debt validation request to Hunter Warfield, requiring itemized proof and lease provisions showing I am legally liable. They have not provided validation. 
- Despite this, Hunter Warfield continues to report the alleged {$830.00} debt, which caused my credit score to drop over XXXX points. 
VIOLATIONS 1. FDCP

A Violation Continuing to collect without providing validation ( 1692g ).

2. FCRA Violation Furnishing inaccurate or unverifiable information to credit bureaus ( 1681s-2 ).

3. Texas Law Violation Charging tenants for normal wear and tear ( Texas Property Code 92.104, 92.001 ( 4 ) ).

Requested Relief I respectfully request that the CFPB : 1. Re
quire Hunter Warfield to delete the {$830.00} collection tradeline from all consumer reporting agencies ; 2. Require Hunter Warfield to cease collection efforts on this invalid debt ; 3. Ensure that all future reporting accurately reflects this account as disputed until removed ; 4. Provide confirmation of corrective action. DOCUMENTATION AVAILABLE UPON REQUEST - Lease excerpt ( showing tenant only responsible for damage beyond norm
al wear and tear ) - Texas Property Code 92.104 and 92.001 ( 4 ) excerpts- Professional cleaning invoice ( {$210.00} ) - Photos and video of apartment condition - Debt validation letter to Hunter Warfield ( certified mail proof ) - Dispute letters to XXXX, XXXX, and XXXX  - Copies of credit reports showing the tradeline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: ND

Complaint narrative:
I do not recall this account! Lockhart Morris for {$9000.00}! Im confused about this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX, GA XXXX Equifax Subject XXXX Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC identity theft report ( FTC REPORT NUMBER : [ XXXX ] ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. 

The information on my credit report is the result of identity theft and should be blocked immediately. 
I do not recognize the account ( s ) in question. The account ( s ) were not opened, made, or initiated by me. The aforementioned account ( s ) is/are a result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that the aforementioned consumer credit account ( s ) is/are a result of identity theft and fraud.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent items from my credit report : FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. [ XXXX XXXX XXXX XXXX ] - [ Account # XXXX ] open date XX/XX/XXXX XXXX. [ XXXX XXXX XXXX ] [ Account # XXXX ] Open date XX/XX/XXXX XXXX. [ XXXX XXXX ] - [ account # XXXX ] [ open date XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX  ] [ account # [ XXXX ] [ open date XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation