vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am writing as an follow up dispute regarding false and damaging entry appearing on my consumer credit reports in violation of multiple federal consumer protection laws. The entry in question concerns a XXXX  loan serviced by XXXX XXXX, which inaccurately reflects a 90-day delinquency without any prior 30-day or 60-day late notations. This reporting is both logically inconsistent and factually inaccurate, and I demand its immediate updating on all credit reporting files under my name. 
FACTUAL BASIS FOR DISPUTE : NO PRIOR 30- OR 60-DAY DELINQUENCY EXISTS : According to all three consumer reporting agencies, this student loan was reported as 90 days past due, yet there is no record whatsoever of a 30-day or 60-day delinquency leading up to that. That is a violation of the standard reporting structure and suggests clear data fabrication or negligent reporting by the furnisher. 

ACCOUNT WAS DISCHARGED IRS FORM 1099-C ISSUED : In addition, I have received a 1099-C ( Cancellation of Debt ) from the U.S. Department of Education , confirming that this loan has been discharged due to a qualifying event. Once a debt is cancelled, forgiven, or legally discharged, it is no longer valid or collectible, and any continued negative reporting constitutes willful malice and reputational injury under the Fair Credit Reporting Act.

VIOLATION OF 15 U.S.C. 1681s-2 DUTY TO REPORT WITH MAXIMUM ACCURACY : The furnisher XXXX XXXX/DOE ) has a statutory obligation to report only information that is complete and accurate. Reporting a 90-day delinquency without supporting prior data and in the face of an official debt discharge violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ).

EXEMPT INFORMATION 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) : Payment experiences, internal servicing data, or transactional activity not related to a valid or enforceable debt are considered payment transactions and experiences and are exempt from consumer reports unless required for public record or permitted by law. This debt no longer legally exists due to the discharge, and therefore, no late payments should be reported post-cancellation.

VIOLATION OF 15 U.S.C. 1666d & REGULATION Z TIMING AND APPLICATION OF PAYMENTS : Under the Truth in Lending Act, particularly 15 U.S.C. 1666d, and Regulation Z ( 12 C.F.R. 1026 ), creditors are required to apply payments in a manner that avoids undue harm to consumers. If this account had any servicing error or misapplied payments leading to a false late status, it violates these provisions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing as an follow up dispute regarding false and damaging entry appearing on my consumer credit reports in violation of multiple federal consumer protection laws. The entry in question concerns a XXXX  loan serviced by XXXX XXXX, which inaccurately reflects a 90-day delinquency without any prior 30-day or 60-day late notations. This reporting is both logically inconsistent and factually inaccurate, and I demand its immediate updating on all credit reporting files under my name. 
FACTUAL BASIS FOR DISPUTE : NO PRIOR 30- OR 60-DAY DELINQUENCY EXISTS : According to all three consumer reporting agencies, this student loan was reported as 90 days past due, yet there is no record whatsoever of a 30-day or 60-day delinquency leading up to that. That is a violation of the standard reporting structure and suggests clear data fabrication or negligent reporting by the furnisher. 

ACCOUNT WAS DISCHARGED IRS FORM 1099-C ISSUED : In addition, I have received a 1099-C ( Cancellation of Debt ) from the U.S. Department of Education , confirming that this loan has been discharged due to a qualifying event. Once a debt is cancelled, forgiven, or legally discharged, it is no longer valid or collectible, and any continued negative reporting constitutes willful malice and reputational injury under the Fair Credit Reporting Act.

VIOLATION OF 15 U.S.C. 1681s-2 DUTY TO REPORT WITH MAXIMUM ACCURACY : The furnisher XXXX XXXX/DOE ) has a statutory obligation to report only information that is complete and accurate. Reporting a 90-day delinquency without supporting prior data and in the face of an official debt discharge violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ).

EXEMPT INFORMATION 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) : Payment experiences, internal servicing data, or transactional activity not related to a valid or enforceable debt are considered payment transactions and experiences and are exempt from consumer reports unless required for public record or permitted by law. This debt no longer legally exists due to the discharge, and therefore, no late payments should be reported post-cancellation.

VIOLATION OF 15 U.S.C. 1666d & REGULATION Z TIMING AND APPLICATION OF PAYMENTS : Under the Truth in Lending Act, particularly 15 U.S.C. 1666d, and Regulation Z ( 12 C.F.R. 1026 ), creditors are required to apply payments in a manner that avoids undue harm to consumers. If this account had any servicing error or misapplied payments leading to a false late status, it violates these provisions

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
" I was told by XXXX that a transaction involving your bank was flagged as fraudulent and caused a hold on my funds. I have not received any notice or explanation. I need to know the reason for this claim, the date it was reported, and who reported it. '' & USAA Fraud Dept : Ive contact USAA nothing have been reported to me or anything about whats going on and this have been happening since XXXX of 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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 CREDIT BUREAU 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 60 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 2025-07-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
A previous dispute now shows as closed, How can you dare close that oiut when it ws filed on XX/XX/XXXX? 

Anyways, I turned in a ID Theft report and affidavit in janjuary of this year. At the same time I was working to get the fraud items removed from my credit reports and filed the FTC ID theft docs which at that time were being peppered with fraudulent charges. Still some Theft items THAT I SPECIFICALLY NAMED BY COMPANY AND BY ACCOUNT NUMBER ARE STILL THERE ON MY REPORT. 

So, being a patient and loyal American consumer that i am, with similar credit needs, I resent the original affidavit. report to all XXXX bureaus last month via registered mail, with EQUIFAX INCLUDED. You were sent, and signed for, the following items : Original XXXX ID Theft report, the original XXXX affidavit, my SSN, State issued ID bank statements, utility bills, etc all as outlined in instructions contained in the FCRA for identifying ID Theft. Again I am attaching for the FOURTH TIME and will again point out the company name and account number listed directly on to the FTC report but that you still haven't deleted. 

I don't know what your major malfunction is because i have followed to the letter exactly what i am required to do-, maybe you don't care about or feel compelled to honor United States Federal Law, or think the FCRA laws are ones you can just pick and choose which ones you will comply with. What IS real is that you, pursuant to FCRA 605 ( b ) ( 1 ) USC 1681 c, have ignored the 4 day window you had last XXXX, and again in XXXX, are now subject to prosecution. I have been more than patient and have the law on my side. 

I have played by the rules and ignored the consumer advocate lawyers urging me to sue your XXXX so i am giving you one last opportunity to abide by the law and delete the accounts as listed in my FTC Report and the subsequent affidavits since that time which are as follows : XXXX XXXXXXXX XXXX XXXXXXXX BOTH OF THESE ARE TO BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I experienced fraudulent withdrawals from one of my J. P. Morgan Chase checking accounts on XX/XX/year> in the amounts of {$490.00}, {$500.00} and {$150.00}. I discovered and reported the fraud on XX/XX/year>. I was told those were ATM transactions using a PIN, but I told them the card was not in my possession. The fraud was reported to the XXXX XXXX Police Department XXXX XXXX XXXX on XX/XX/year>. Their investigator told me he issued a subpoena so he can review the security footage. I received a reply from Chase on XX/XX/year> via the secure message system and was told they would communicate with me about the claim, but I have yet to receive any follow-up communication. I believe their investigation was unreasonable because they failed to review the ATM security footage. I wrote to them to demand a written explanation of their investigation and copies of all documents that were relied upon to deny my claim, as is my right under the XXXX. Because I reported the fraud immediately upon discovery, my liability should be limited to {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IN

Complaint narrative:
I am submitting this complaint against Discover Financial Services due to unlawful and discriminatory account closure, breach of fiduciary duty, unjust enrichment, and non-disclosure of securitization activities tied to my account. 
Discover Financial Services has engaged in bad faith commercial practices by canceling my credit card account without lawful cause while retaining unjust profits through securitization of my payment streams and commercial energy, all derived from the estate tied to my legal name. 
I am the Secured Party Creditor over the commercial estate of the ALL CAPS entity associated with my name, with perfected security interests properly recorded under Uniform Commercial Code ( UCC ) 9-101 et seq., supported by UCC Financing Statements and Assignments to my private trust. 
Pursuant to UCC 3-501, I lawfully tendered negotiable instruments ( including Bill ( s ) of Exchange ) and have established an enforceable lien over all proceeds and transactions arising from this estate, including any accounts held or previously held by Discover.

Under the Truth in Lending Act 1641 ( f ) ( 2 ), I formally request Discover 's full disclosure of all securitization, participation, and third-party transfer of any alleged account balances or receivables tied to my estate, including but not limited to Certificates, Bonds, or Securities registered through DTCC or any clearinghouse.

Discover has failed to act in good faith under UCC 1-304, engaged in breach of fiduciary duty by benefiting from the proceeds of my commercial energy while denying access to account services, and failed to provide lawful proof of debt validation or account closure terms. 
Demand : Immediate disclosure of all relevant account securitization, reinstatement of account access or a lawful reason for denial, and compensation for wrongful closure impacting my creditworthiness. Failure to comply should trigger formal regulatory investigation under CFPB authority. 
Sincerely, XXXX XXXX XXXX Secured Party Creditor, Executor of the Estate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-14 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: NC

Complaint narrative:
In relation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ( Case No. XXXX ), it is the responsibility of your agency to protect the rights of consumers like myself. You must ensure that all the applicable laws and regulations regarding the preservation and protection of consumer data are followed. Otherwise, you may be exposed to further legal action to ensure compliance. In particular, you must validate the accuracy and legality of the information being reported in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I have every reason to believe that you will be unable to comply with your duties pursuant to the federal law regulation. 
I am requesting the certification of the accuracy of each and every piece of information, stated about me. I have never permitted or authorized for any of my personal or consumer information to be reported, released, or otherwise circulated by you in any way, shape, or form. Should you proceed to report any form of my personal information without my express, publicly available authorization, such an act would result in a direct federal law violation. The information is frivolous and needs to be removed, I have never authorized the accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Problem : Identity theft through unauthorized account creation and 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 non-monetary relief
Consumer complaint received 2025-07-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding late payments that have appeared on my credit record without proper validation. After thoroughly reviewing my financial records, I discovered these late payment entries and sent correspondence to address this matter over 30 days ago. Despite the passage of time, I have not received any response or satisfactory validation of these disputed items. The presence of these unverified late payments continues to negatively impact my credit profile and requires immediate resolution.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding late payments that have appeared on my credit record without proper validation. After thoroughly reviewing my financial records, I discovered these late payment entries and sent correspondence to address this matter over 30 days ago. Despite the passage of time, I have not received any response or satisfactory validation of these disputed items. The presence of these unverified late payments continues to negatively impact my credit profile and requires immediate resolution.

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 2025-07-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX - XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, and my Proof of Address.

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