vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX  XXXX & XXXX. Despite having received all required documents, XXXX  has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am the defendant in a case filed by Citibank , N.A . in XXXX XXXX XXXX, XXXX XXXX, Ohio ( Case No. XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. ( Attorney XXXX XXXX XXXX ) is representing Citibank. 

On multiple occasions, I have sent written settlement proposals to the plaintiffs attorney, offering to resolve the account either through a monthly payment arrangement or a reduced lump-sum settlement. My letters were sent in good faith, and I included my contact information requesting a response. 

Despite these efforts, the law firm has not responded to my letters or provided any information about settlement options. I am committed to resolving this debt and avoiding unnecessary court costs, but the attorneys are not communicating or negotiating in good faith. 
I am requesting that the CFPB review this matter and ensure that the law firm representing Citibank responds to my settlement proposals so I can resolve this account in a fair and reasonable way [

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: 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 2025-09-29 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: MI

Complaint narrative:
This is a formal complaint regarding unauthorized access to my credit report by multiple companies, which has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain.

This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My TJX Rewards Credit Card ( Synchrony Bank, account ending in XXXX ) shows a {$0.00} balance, no payment due, and no activity for over XXXX year. However, my credit reports ( XXXX XXXX XXXX XXXX  ) incorrectly list this account as In Collections/Charge-Off for XXXX and XX/XX/year>. 

This is inaccurate and harmful to my credit history and score. 

I contacted TJX Customer Service, and they confirmed my inquiry was forwarded to XXXX XXXX XXXX  and Synchrony Bank, but the problem has not been fixed. 

I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and immediate correction of all inaccurate reporting, along with written confirmation once resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello I was banking with Huntington and I have a business account, and a personal account I was using and I had all my banks linked with both accounts and I currently run an XXXX XXXX that sells clothes and accessories I recently signed a partnership deal with a small independent company called XXXX I was supposed to be deposited XXXX of dollars for this company I work for and it was delayed because of Huntington security and I have been behind on my payments because of this that has cause irreplaceable damage I'm facing homelessness and losing this deal because I haven't recovered the money from this deal so I will be asking for compensation of XXXX XXXX for damages and of emotional and physical distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
Saturday, XX/XX/XXXX I received an alert text message on XX/XX/XXXX at XXXX XXXX regarding a fraud alert to my chime card through XXXX for {$84.00}. They asked if it was me I replied no at XXXX XXXX. I received another fraud alert from XXXXXXXX XXXX  wanting to take {$52.00} again I was at home watching the XXXX XXXX XXXX XXXX which shows I paid the {$85.00} but prior to that on my account the same night XXXX {$500.00} and XXXX XXXX at XXXX XXXX XXXX XXXX in California was withdrawn and I have no idea no parts of that. I had my card in hand. No one knows my number. No one knows my card number any of that sort also that same night at XXXX on my account it showed that they tried to withdraw again {$300.00} to XXXX XXXX but it was declined because by that time I had already blocked my card now I received the XXXX alerts for my cell phone, but I didnt receive anything from XXXX XXXX so I just went through and all I want is my money back my {$500.00} that I did not authorize. I contacted chime and told them and they immediately began investigation and they declined it XXXX times I had to take my time to call XXXX different numbers to see if XXXX XXXX had an itemized bill for me and they had nothing for me. They said my name did not show up as a guest list or purchase or even of any sort and thats after contacting concierge and getting the email through them so as I look at my account, Ive been trying to ask trying to get my money back because I did not authorize this payment and they keep not not wanting to give me my money back and its not fair because like I said I was here at home Saturday, XX/XX/XXXX. Watch the XXXX XXXX fight that I purchase and I show I got evidence of the I got evidence of the the unauthorized charges that were trying to go through to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NJ

Complaint narrative:
I discovered these inaccurate late payment remarks on my credit report. I noticed discrepancies that hadnt been there before. I am requesting a thorough verification of the documents I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I found out through XXXX XXXX  someone in XXXX XXXX applied for and used a credit card with my information. Ive never lived in XXXX XXXX and don't know anyone there. I called Midland Credit Management Inc and explained this to them and also wrote to them. I also disputed on XXXX XXXX I've lived my whole life in Missouri and not sure how this could happen. Midland credit Management has now threatened me with a court case # XXXX stated I owe them {$5500.00}. Can you please help me? 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XX/XX/year> Re : Final Demand for Re-Investigation and Permanent Deletion of Inaccurate Accounts To Whom It May Concern, This letter serves as my final demand for re-investigation and permanent deletion of inaccurate, unverifiable, or incomplete collection accounts being reported by Equifax. 
On XX/XX/year>, I submitted a complaint to the CFPB regarding unfair and unverifiable collection accounts appearing on my credit report. In response, I was advised to submit a written dispute directly to Equifax and provide verification of my identity, which I did on XX/XX/year>, via mail. 

Despite following all proper procedures, Equifax determined my dispute to be frivolous. This determination is a deliberate act of noncompliance with my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency under 15 U.S.C. 1681a ( f ), Equifax is required to conduct a reasonable investigation under 15 U.S.C. 1681i. By dismissing my dispute without proper investigation, they have violated federal law and my consumer rights. I am also aware of my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c and 15 U.S.C. 1692g ). If Equifax claims these accounts are verified, I demand legal proof of validation, including original contracts, bills of sale, and complete assignment records. Anything less is not lawful validation. 

I am disputing the following collection accounts, which I have identified as inaccurate, incomplete, or unverifiable : XXXX XXXXXXXX XXXX  Account Number : * XXXX XXXX XXXX XXXX Account Number : * XXXX XXXX XXXXXXXX XXXX Account Number : * XXXX Just as a reminder that under 15 U.S.C. 1681e, consumer reporting agencies must ensure maximum possible accuracy of reported information. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to properly verify the accuracy of any account information provided. If Equifax can not legally and lawfully verify these debtsincluding providing full documentation such as original contracts, bills of sale, and complete payment historiesthen the accounts must be immediately and permanently deleted from my credit file. 

I am also fully aware of my protections under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c and 15 U.S.C. 1692g, which require written validation of disputed debts and prohibit continued collection activity without proper verification. 

This is my final demand : I require the immediate and permanent deletion of the above-referenced accounts within 30 days. Failure to comply will leave me with no choice but to pursue legal action for willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o. Please be advised that I am maintaining a detailed record of all correspondence and actions related to this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

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 explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
The company did not authorize an extension of my payment then proceeded to repose the vehicle and call me after the fact and did not provide a company or place they took the car for a few days after word they are asking for the remaining XXXX as reaching me by mail with only 5 days to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

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 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
b'I am filing this complaint against XXXX and AVANTE USA regarding inaccurate reporting on my credit report. \n\nIXXXX XXXX I filed a complaint against the original collection agency (Collection Management). AVANTE USA purchased the debt and is now reporting it to XXXX  Despite my prior dispute, XXXX has refused to remove the debt from my report. \n\nThe debt is now showing twice on my credit report. \n\nOriginal dispute: XXXX XXXX my son XXXX XXXXXXXX  made two visits to the hospital. The first visit occurred on XXXX XXXX XXXX (account number XXXX, and the second on XXXX XXXX XXXX  (account number XXXX. Both accounts currently show a balance oXXXX XXXX, and we provided our insurance at the time of service. XXXX XXXX is pursuing a debt of XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX  I spoke with XXXX  a supervisor at XXXX XXXX, who informed me that XXXX XXXX XXXX  filed for bankruptcy last year and is no longer operating. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation