vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C.

- 1681i ), regarding the unlawful reporting of multiple accounts that have NOT been legally verified.

The following accounts are being reported on my credit profile without any original contract, billing history, or documented verification as required by federal law : - XXXX XXXX XXXX XXXX - Account ending in XXXX - XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX - XXXX XXXX XXXX - Account ending in XXXX - XXXX XXXX XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX I have already submitted disputes and formally requested : 1. A copy of the original signed contract.

2. Full billing or loan statements.

3. Proof of direct verification from the furnisher.

4. Chain of custody documentation verifying how this data was processed and verified.

NONE of these were provided, which constitutes a direct violation of the FCRA. These accounts are inaccurate, unverified, and harmful.

I am demanding the CFPB to immediately investigate these violations and order the permanent deletion of all listed accounts from all credit reporting agencies.

If no resolution is reached, I will proceed with legal action under 15 U.S.C. - 1681n for willful noncompliance. 
Respectfully, 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Subject : Request for Debt Validation under 15 U.S.C. 1692g ( b ) Dear Midland Credit Management I am writing in response to a [ letter/phone call ] received from your office regarding an alleged debt you claim I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Please note that I am not acknowledging or accepting any liability for this debt. I am requesting that you provide the following documentation to validate the debt you claim : The name and address of the original creditor A full itemization of the alleged debt, including interest, fees, payments, and principal balance A copy of the original signed contract or promissory note bearing my signature Proof that you are legally authorized to collect this debt in my state Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general. 
Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-06-05 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I keep getting confused with debt agency I have no business with also receiving calls texts and emails all hours of the day and constantly getting calls I requested to cease on contacting me I have no business with them but they won't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint because Capital One is reporting me as an authorized user on an account that is negatively impacting my credit score. I did not open this account and am not financially responsible for any of its charges.

This account was opened by my ex-husband, who added me as an authorized user. Due to our separation, we no longer have any communication, and he is refusing to remove me as an authorized user. I have no way of resolving this directly with him.

Under the Fair Credit Reporting Act ( FCRA ), authorized users are not liable for any debts on an account. I have attempted to contact Capital One but have been unable to resolve this matter. The continued reporting of this account is unfairly harming my credit score and affecting my financial well-being.

I request that the CFPB investigate this matter and require Capital One to remove this account from my credit report immediately, as I am not financially responsible for this debt. 
I have attached a copy of my credit report showing the account, along with any documentation available to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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 XXXXXX/XX/XXXX

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: PA

Complaint narrative:
I was surprised this morning to see unfamiliar and incorrect accounts on my credit report, and I have no clue why they appeared. I routinely check my report and have never seen these issues before. Thinking it might be a browser glitch, I refreshed the page, but the accounts remained. Therefore, Im asking for a detailed review of the documents I provided to ensure this issue is resolved completely.

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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I was not contacted in any way for over six months about a missed or past-due car payment. I received no calls, emails, or alerts of any kind from TD Auto, and had no idea anything was overdue until I checked my credit report and saw a delinquency listed.I got one letter that arrived the day of the report to my credit.

When I called, they told me they arent responsible for notifying me and that the credit reporting would stand.

I believe this is unfair and potentially inaccurate under the Fair Credit Reporting Act, as I was never given a chance to fix the problem before it was reported. Im requesting documentation of any attempted contact, or removal of the negative item if no contact was made.In addition, the lenders website erroneously showed that I had automatic payments enabled on multiple occasions. I was under the impression that payments were being withdrawn as scheduled. I only realized this was not the case after discovering the late mark on my credit report. I believe this contributed significantly to my lack of awareness and ability to correct the issue. 

I've been told by several employees that they show no record of contact. No phone calls, texts, letters, or emails. 

The account was last reported late around XX/XX/XXXX. This has significantly damaged my credit and I had no opportunity to address it beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-05 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: NV

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX IN - Account Number XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX. XXXX XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} InquiriesXX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-05 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: NV

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX IN - Account Number XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX. XXXX XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} InquiriesXX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX PM. I received an email saying my chime checking account was closed by chime. And at XXXX PM they also closed my savings. I had money in my credit builder account that was $ XXXX and XXXX in my savings account. I called chime and asked the reason why and they gave me none the first call and hung up on me. I asked where my money would go and how long it would take and didnt get a response. Called twice and the second rep said it was because of section 9 of the user agreement. They still did not give me anymore information about this or where my money will go and when it will come back to me. I need that money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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:
In accordance with the Fair Credit Reporting Act, I believe my rights have been violated regarding the following accounts : Account Name : XXXX XXXX Account Numbers : XXXX and XXXX Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is not allowed to furnish any account without the consumers written instructions. 

I never signed any written agreement ( physical or electronic ) authorizing these accounts to be reported to the credit bureaus.

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 2025-06-05 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: MO

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single [ mother/father ], every financial decision I make directly affects my child ( ren ) s security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( s ) on my credit reports are : 1. The following personal information is incorrect XXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has created an impossible maze to block business credit freezes : 1. Website Failures Enrollment Attempts ( 5+ ) : Error : 'Oops! We're unable to process your request ' at XXXX No option to proceed when system fails Account Creation Attempts ( 3+ ) : Same error occurs during sign-up No workaround offered 2. Fake Support Channels Phone ( XXXX ) : Promised 'enrollment specialists ' by @ Experian XXXX Only offers automated system with no human transfer option XXXX Support ( @ Experian ) : Admitted system failures ( see attached DMs ) Final 'solution ' was to mail sensitive documents ( SSN/ID copies ) - an identity theft risk.

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 2025-06-05 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief