vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I wanted to file a complaint about recent disputes that I filed with XXXX regarding a Discover credit card account that is reporting to all 3 credit bureaus. This account was included in a XXXX XXXX  bankruptcy that I filed in XX/XX/XXXX and was discharged in XX/XX/XXXX. Since my bankruptcy discharge, I have not had any late payments or delinquencies of any kind. I filed a dispute in XX/XX/XXXX with XXXX  asking that they add that account status of " included in bankruptcy '' to my Discover account. They did add it, but once they did, it showed up as a new delinquency to this account in XX/XX/XXXX and affected my XXXX score with XXXX because now lenders think I have a delinquency 1 month ago. 

I then filed a second dispute with XXXX XXXXaying, " This is very inaccurate and misleading, I did not have a delinquency in XXXX XXXX, can you please update this or remove this account from my credit report since it is reporting inaccurate information? '' They just came back with an answer to the second dispute, and now it is even worse, showing on the Discover account on my credit report that the XXXX major delinquency reported date is XX/XX/XXXX. 

I recently filed a dispute with XXXX XXXX XXXX XXXX for this very same instance with my old Discover account, and they removed the account entirely from my report, determining that the information reported by discover was inaccurate and misleading. This inaccurate reporting is adversely affecting my credit score and raising a red flag to potential lenders. I am looking to apply to refinance my car loan soon and I don't want them to be asking why I have a reported delinquency from 1 month ago. 

I have included a copy of my XXXX score summary to show how this recent delinquency with Discover is negatively affecting my payment history, which is a huge part of my credit score. Also, attached a screenshot of the most recent delinquency being reported on XXXX  of 1 month ago. As well as a copy of the dispute resolution with XXXX, where they removed the Discover account from my report in its entirety, as well as the most recent dispute reults from XXXX, where you can see in the included credit report that the Discover account is showing a delinquency as occurring in XX/XX/XXXX. And lastly I included a copy of my bankruptcy discharge paperwork showing the date of discharge and that this Discover account was included in it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My XXXX XXXX XXXX is not showing on my equifax report which is causing me to be denied by banks and lenders since they can not verify my identity. This information should be showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Mastercard has open XXXX accounts under my name without my permission. I did XXXX bank transfer from XXXX XXXX to Citi Bank Master Card. Citi Bank is charging me double amount of Transfer which against the law. I have been calling them to resolve the issue but no one is listening to me. Cit bank sent the credit debt to collection agency. I have disputed the amount and Citi Bank has not taking care of issue and are holding it against me.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I am filing this complaint to report ongoing delays and non-responsiveness from Binance regarding my account verification. 

I submitted account verification details to Binance for identity verification, but the process has been unreasonably delayed. Despite multiple attempts to contact their support team, I have received no meaningful updates or resolution. I am effectively locked out of my account and unable to use their services due to their failure to complete verification in a timely manner. 

This delay is preventing me from accessing and managing my funds, and I believe it reflects poor consumer service and potential noncompliance with their stated processing policies. I am requesting CFPBs assistance in urging Binance to take immediate action on my case and improve its customer service processes for U.S. consumers. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently found out that my personal information was exposed in a national data breach. After reviewing my credit report, I noticed multiple accounts that I do not recognize or authorized. I submitted a request to the credit reporting agency for validation of these debts but have not received the necessary information. I believe the lack of response is due to my information being compromised in the breach. 

To support my claim, I Have uploaded the following documents : A copy of my government-issued ID, The FTC complaint XXXX filed regarding identity theft, A copy of the NPD report confirming my information was involved in a national data breach, the validation of debt letter I submitted.

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 2025-06-06 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: LD Holdings Group, LLC
State: MS

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I have applied for several loans in order to consolidate my debts. Each time I applied I was denied base on debt to income ratio. During XX/XX/XXXX my credit score was XXXX. All my bills was paid on time. I never had a late payment. After applying for a HELOC and Refi mortgages in XX/XX/XXXX and got denied for those loans. I was forced to file for XXXX XXXX XXXX I've have suspicion of identity theft. And also I found that my data was breached in XX/XX/XXXX thru Loan Depot. I am currently a part of a class action law suite against Loan Depot. This have caused me harm tremendously to the point of XXXX. I need help plz!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-06 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I 'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XX/XX/2023

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 2025-06-06 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: FL

Complaint narrative:
Multiple Unauthorized and Harmful Hard Inquiries Without Consent Request for Immediate Investigation and Deletion What is the issue? 
I am submitting this complaint because multiple unauthorized hard inquiries were made on my credit reports by various companies without my permission, authorization, or prior knowledge. These hard inquiries have harmed my credit score and financial standing. 

What happened? 
On multiple occasions in XXXX hard inquiries were placed on my credit profile without my consent. Below is the list of inquiries I am disputing : 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 XX/XX/year> I did not initiate or apply for credit with any of these institutions. In XX/XX/year>, I was simply browsing for vehicle prices and loan calculators. I never submitted any official credit applications nor signed anything authorizing these lenders to pull my credit. These hard pulls were done without any clear disclosure or my written consent. 

Some of these inquiries were even duplicated ( such as XXXX XXXX ), amplifying the damage to my credit profile. 

How is this a violation? 
According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), credit reporting agencies are prohibited from furnishing a consumer report unless there is a permissible purpose, and that includes express consumer authorization.

Additionally, under FCRA Section 611, I have the right to dispute any information that is inaccurate or unverifiable. These inquiries were not authorized and I have no documentation or signed application connecting me to these lenders.

What is the impact? 
Because of these unauthorized inquiries : My credit score dropped, affecting my loan eligibility. 

I am now at risk of denial for legitimate credit applications. 

It has caused emotional stress and frustration, as I have worked hard to rebuild my credit. 

What resolution are you seeking? 
I respectfully request : A full investigation into how and why these inquiries were placed on my credit report without consent.

Immediate removal of all listed unauthorized inquiries from my credit files with Experian, Equifax, and TransUnion.

Enforcement of stricter accountability for companies accessing consumer data without proper authorization. 

Supporting Evidence : A copy of my government-issued ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-06 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
This credit card company calls me non stop and claiming the debt I owe them while they dont have my correct info I corrected them they used that against me added debt on my credit report without notifying me or anything I have provided supporting documentation showing the information is incorrect, but my dispute was either ignored, dismissed without proper investigation, or resolved inaccurately. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to maintain accurate information and conduct reasonable investigations when consumers raise disputes. 

I am requesting that the CFPB investigate this matter and ensure that the inaccurate information is corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
Erroneous credit hit was placed on my credit by Experian, even though no application was processed, it was withdrawn before ever being processed. The hit was premature and erroneous by human error I assume. " Please see attachments. When I reached out to SBA, they said to reach out to Experian and I have submitted this proof of no loan and application being withdrawn. I have received " rejected '' on my dispute with no explanation. XXXX hands are tight, but the correspondence confirms of no loan and no application on file. Thank you! 
" Thank you for contacting the SBA

Disaster Customer Service Center. Please note, this is the applicant 's responsibility if there are any errors or items to dispute on the credit report, the applicant needs to contact the credit bureau directly. We do not have anything to provide. 

If you have additional questions or require further assistance, please call our Disaster Customer Service Center at XXXX or, if you are deaf, hard of hearing, or have a speech disability, please dial XXXX XXXX to access telecommunications relay services ( Monday through Friday from XXXXXXXX XXXX to XXXX XXXX Eastern Time ) ''

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 2025-06-06 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-06 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: NY

Complaint narrative:
Multiple XXXX XXXX Loans Were Open With My Personal Information. That was not authorized by me. XXXX 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 explanation
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
Multiple XXXX XXXX Loans Were Open With My Personal Information. That was not authorized by me. XXXX 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 explanation
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint against the consumer reporting agency for failing to provide a proper description of the reinvestigation procedures and continuing to report inaccurate and unverifiable information on my credit report.

As allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), I formally requested a detailed explanation of the steps taken to verify disputed items on my credit file. To date, I have not received this explanation, nor have I been provided with the legally required documentation or verification of the accounts in question. 

Disputed Items Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations The consumer reporting agency is in violation of : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification and reinvestigation details.

15 U.S.C. 1681n and 1681o : Subject to civil liability for negligent or willful noncompliance with the FCRA.

Despite my formal request, the agency has failed to produce documentation showing : The name and contact information of the data furnishers ; The identity of the individual ( s ) who verified the dispute ; The specific documentation used to validate the reported information ; The procedures in place to ensure accuracy.

Requested Relief I am asking the CFPB to compel the consumer reporting agency to : 1. Delete or correct all inaccurate and unverifiable account and personal information ; 2. Provide a full description of the reinvestigation procedure used to verify the disputed accounts ; 3. Disclose the original creditor name, contact information, and supporting documentation for each tradeline ; 4. Confirm the accuracy assurance process used to maintain FCRA compliance ; 5. Remove all incorrect names, outdated addresses, and any personal identifiers not confirmed with supporting documentation.

Final Statement If the credit reporting agency can not verify the disputed items with proper evidence, they are legally required to delete the inaccurate information from my credit report. I am prepared to escalate this issue further and pursue legal remedies for noncompliance if a timely and lawful response is not provided. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation