vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX. XXXX XXXX Account Number : 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 2025-08-27 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: FL

Complaint narrative:
Delete Hard Inquiries : 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
At around XXXX on XX/XX/year>, after speaking with a Discover representative, I initiated a wire transfer online. After completing all the steps, I gave XXXX hours to receive a confirmation as this was the XXXX time using Discover for a transfer. Nothing appeared, so after work I attempted to contact Discover to know where the transfer would be listed as I could not see details, but there was no one available for that department & general customer service is not able to assist. I, as listed on the transfer, was using this for a house that I was bidding on with the deposit being due by this evening. I now have lost money for inspections & walk throughs as the contract will not be valid as I thought that I could trust Discover to handle a simple task, but I was obviously wrong. 
This issues are due to Discover 's poor management of resources, including staff & mobile banking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Based on 15 U.S. Code $ 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no than 4 business days after the date of receipt. 
XXXX XXXX XXXX bank Date open XX/XX/XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXX XXXXXXXX XXXX date open XXXX XXXX XXXX XXXX date open XX/XX/XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consume right to privacy and confidentiality under the 15 USC 1681. these accounts has violated my rights.

Pursuant to 15 USC 1681 sections 602 A states i have the right to privacy.

Pursuant to 15 USC 1681 sections 602 A Section 2. It also states a consumer reporting agency cannon furnish accounts without my instruction. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XXXX XXXX SSN : XXXX Experian Information Services, LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff | Balance {$830.00} | Derogatory XXXX XXXX XXXX XXXXXXXX Acct # XXXX | Collection/Chargeoff | Balance {$520.00} | Derogatory XXXX You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within 30 days : 1. Original signed contract or agreement showing I am legally obligated. 
2. Full itemized accounting of the debt ( all charges, payments, interest, fees ).

3. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ).

4. Name and address of the original creditor, if different from your agency. 
5. Proof of your license/authorization to collect debts in my state.

6. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX XXXX, and Experian. 

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General. 

Sincerely, XXXX 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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-28 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: CL Holdings LLC
State: TX

Complaint narrative:
I am writing in response to your attempts to collect a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding this debt.

Please be advised that I do not wish to be contacted by phone, mail, email, or any other form of communication. Any further contact from your office, other than to confirm in writing that you will comply with this request or to notify me of specific legal action you intend to take, will be considered a violation of federal law. 

Be further advised that I am keeping records of all correspondence from your company, including phone calls and letters. If you continue to contact me in violation of this notice, I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX BALANCE {$180.00} DATE OPENED XX/XX/year> ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$360.00} DATE OPENED 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 non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am filing this complaint concerning Experians inaccurate reporting of multiple late payments on my credit report. According to your records, several payments are falsely marked as late ; however, these payments were made on time. Despite this, the incorrect information remains and is unfairly harming my credit score. 

This reporting is inaccurate and unacceptable.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am writing in response to your phone call dated XX/XX/year> regarding the collection of the alleged debt. Please be advised that this is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide me with the following : 1. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

2. The name of the original creditor and a copy of the original agreement that created this debt.

3. Proof that you are legally authorized to collect this debt in my state.

4. Documentation that the alleged debt has not been paid, settled, or discharged in bankruptcy. 
5. The chain of title or assignment showing how you obtained the right to collect this debt. 

Please note that until you provide the requested validation, you must cease all collection activity and not report this debt to any credit reporting agencies. If this debt has already been reported, you must inform the credit bureaus that it is being disputed. 

Be advised that any attempt to collect without proper validation is a violation of the FDCPA, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. 

I request all future communications be made in writing. 

Thank you for your cooperation. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$710.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$7900.00} XXXX XXXXXXXX XXXX XXXX  BALANCE {$1800.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$780.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  * BALANXCE {$1500.00} DATE OPENED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 submitted disputes to Equifax regarding accounts that are being reported on my credit file. These accounts are inaccurate and do not belong to me. Despite my disputes, Equifax continues to report these items, which misrepresents my true credit history and causes me ongoing harm. This failure to correct disputed information is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Driveway Finance Corporation
State: MS

Complaint narrative:
In reviewing my XXXX   credit report ( dated XX/XX/2025 ), I identified several inaccurate and unverifiable accounts. Some show conflicting payment histories, possible re-aging, or lack verification of the original balance. I have previously disputed certain items, but they remain reported inaccurately.

Additionally, a fraudulent auto loan from XXXXDriveway Financialover XXXX XXXXXXXXappears on my report. I never applied for or authorized this account. I have provided documentation, including an FTC Identity Theft Report and police report, to confirm this is the result of identity theft.

These errors are significantly harming my credit standing despite my efforts to resolve them through proper dispute channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Documentation and Verification Request under FCRA 1681s-2 ( b ) Please provide copies, confirmation, or evidence of the following items to verify the accuracy and legality of the reported account : 1. Signed contract. 
2. Full payment and charge-off history.

3. 1099-C copy or confirmation.

4. Cancellation date and IRS reason code.

5. Method of verification with supporting documentation.

6. Proof of Metro 2 compliance.

7. Audit trail of all tradeline updates. 
8. Furnishers name and license.

9. Proof of authority to report.

10. Proof the account was not re-aged.

11. Assignment and/or ownership documents.

12. If securitized : trust name, pooling and servicing agreement ( PSA ), chain of title, and UCC-1 filing.

13. IRS notices ( if any ).

14. Cease and desist all reporting and collection activity until verified.

15. Delete the account if it can not be fully validated.

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 2025-08-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief