vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXXB ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXXB ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXXB and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Complaint Against Midland Credit Management for Reporting Invalid Debt To Whom It May Concern : I am filing this complaint regarding Midland Credit Management, which is inaccurately reporting a debt on my credit report that does not belong to me. I have never received proper validation of this alleged debt, and I dispute its accuracy and legitimacy. 

Despite multiple attempts to request validation as outlined under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Midland Credit Management has failed to provide any documentation proving that I owe this debt or that they have a legal right to collect it. They have continued to report this unvalidated and incorrect information to the credit bureaus, damaging my creditworthiness and causing undue stress. 

This is a clear violation of federal credit reporting and collection laws. I respectfully request that the CFPB investigate this matter and take action to require Midland Credit Management to : Cease all collection activity on this alleged debt. 

Remove any and all reporting of this debt from my credit report with all credit bureaus. 

Provide written confirmation that they have done so. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I would like to dispute the collection account, and any subsequent accounts associated with this, because I did not authorize the account to be opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prog Holdings, Inc.
State: PA

Complaint narrative:
I used XXXX XXXX XXXX XXXX XXXX to get a large order on XXXX. That loan has been paid off for at least a month. I just got a bunch of notifications that I was receiving a bunch of refunds. Then I noticed they were all part of the four order I had paid off. I checked to see where the refund was going and it was too the visa that the four app generated to make the purchase. So they got the money from me because I paid it off but are going back to double dip by somehow getting refunds on XXXX XXXXXXXX order from XXXX XXXXXXXX XXXX  account. So they're fraudulently receiving refunds somehow from XXXX. I already called XXXX to start a case and requested they listen to the phone calls that requested a refund. The chair they refunded I was sitting on as I see it is being refunded. They're double dipping on other people 's names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under XXXX U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: UT

Complaint narrative:
Complaint Description ( Prepaid Card Unauthorized Charges ) : Subject : Unauthorized Charges While Locked Out of My Chime Prepaid Account {$940.00} in Losses Ignored Details : I have been locked out of my Chime prepaid account for over a month and a half. During this time, I was unable to access my account to monitor transactions or prevent unauthorized activity. While I was locked out, over {$350.00} was withdrawn from my account without my consent. I could not dispute these charges in time due to being locked out. 

This is not the first time this has happened. I previously disputed {$900.00} in unauthorized charges, which was also denied. Chime responded that no error occurred without conducting a thorough investigation or providing me with any proof of one. Together, Ive now lost a total of {$950.00} Chimes actions appear to violate Regulation E, which protects consumers from unauthorized electronic fund transfers and requires financial institutions to conduct proper investigations. I also filed a complaint with the XXXX XXXX XXXX, but have received no resolution. 

I am extremely frustrated and feel taken advantage of. I am asking for a full investigation and to have my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

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 2025-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Called Chase Bank to dispute XXXX transactions, XXXX for {$2500.00} from my personal account, which is also the account that Social Security XXXX benefits are deposited to, and another for {$5000.00} from my Business Account. 

The XXXX payments went to the same Merchant. Chase approved the {$5000.00}, but did not approve the {$2500.00}. 

They claim we missed the " window ''. Wrong! According to XXXX International guidelines, the dispute provides for XXXX days to cancel order placed with card. Then it allows another XXXX days after cancellation to dispute the charge. 

Chase gave me a temporary credit, XXXX, but reversed the temp discount on XX/XX/XXXX. I noticed on XX/XX/year>. Conveniently, this is XXXX day after the deadline to change my direct deposit with Social Security. 

During the month of XXXX, someone stole my wallet, got ahold of my Debit Card, Driver 's License, copy of my SS Card, and more! In an effort to save my monthly XXXX income from going down a " XXXX XXXX  '', we reported the incident immediately. Chase " claimed '' they restricted the account but instead accepting the deposit, leaving me with no funds for ther month! 

XXXX is still holding the Merchant 's money ( {$2500.00} ) and is still available to be returned to Chase. 

To date I'm out XXXX XXXXXXXX in my SSD Benefit money! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 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 proofofmyidentity, my Proof of Address, and 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Inaccuracies of my personal information are being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I am submitting this complaint to request that TransUnion update and correct the reporting on my XXXX XXXX account ( Account No. XXXX ). On XX/XX/XXXX, I called XXXX XXXX and spoke with them regarding the late payments showing on my credit report. During the call, XXXX confirmed that those late payments were reported in error and that they do not belong to me. XXXX admitted that it was their mistake, and that I was never late on this account. 

Despite this confirmation, my TransUnion credit report still reflects inaccurate late payments on this account. Under the Fair Credit Reporting Act, TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy, as outlined in XXXX U.S.C. XXXXe ( b ) Maximum Possible Accuracy. Furthermore, under XXXX U.S.C. XXXXi ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information and notify the furnishers. As I did not give any written authorization or consent for this reporting, they also violated XXXX U.S.C. XXXXb for Permissible Purpose. 

Since XXXX XXXX has already admitted that the late payments were mistakenly reported, TransUnion should promptly update this account to reflect no late payments and ensure that my report is accurate. I am requesting that TransUnion take immediate action to fix this error and REMOVE THE LATE. 

If this issue is not corrected, I will pursue legal remedies for negligent and willful noncompliance, as defined under XXXX U.S.C. XXXXn ( Civil Liability for Willful Noncompliance ) and XXXX U.S.C. XXXXo ( Civil Liability for Negligent Noncompliance ). This situation is affecting my credit standing, and I expect TransUnion to act in accordance with federal law to resolve it immediately.

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 2025-05-08 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: MI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services
State: FL

Complaint narrative:
FAFSA did not inform me that EdFinancial had been designated as my loan servicer. Additionally, EdFinancial failed to notify me by mail or any other means that they had assumed responsibility for servicing my loans. Unlike my previous loan servicers, XXXX XXXX and XXXX who promptly sent formal written notices upon assignment, EdFinancial provided no such communication.

As a result, I was unaware of their involvement until they reported XXXX missed payments directly to the credit bureauwithout giving me prior notice or an opportunity to address the issue. This lack of communication and transparency is a serious departure from standard industry practices and has caused significant harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Complaint Against Harris & Harris , Ltd. for Attempting to Collect an Unvalidated Debt To Whom It May Concern : I am filing this complaint regarding Harris & Harris , Ltd., a debt collection agency that is attempting to collect a debt which I do not recognize and which has not been properly validated in accordance with federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a consumer has the right to request validation of any debt being collected. I exercised this right by requesting debt validation from Harris & Harris. However, they have failed to provide any legally sufficient documentation proving : That the debt is mine, The exact amount owed, and That they are legally authorized to collect this alleged debt.

Despite the lack of proper validation, Harris & Harris has continued to pursue collection efforts and has either reported or threatened to report this unverified debt to the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that only accurate and verifiable information be reported to consumer reporting agencies. 

These actions are unlawful and have caused unnecessary stress and potential harm to my credit profile. I dispute the debt in its entirety and demand that all collection activity stop immediately unless proper validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Public Record : Bankruptcy and Account : XXXX ( closed XX/XX/XXXX ) that Is unverifiable and still reporting XXXX XXXX is owed on that account.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
Complaint Against Cavalry Portfolio Services for Failure to Validate Alleged Debt To Whom It May Concern : I am submitting this complaint regarding Cavalry Portfolio Services, a debt collection agency that is reporting and/or attempting to collect an alleged debt that I do not recognize and that has not been properly validated in accordance with federal law.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I exercised my legal right to request validation of this debt. I formally requested that Cavalry Portfolio Services provide the following : Documentation proving the debt is valid and owed by me, The original creditors name and account details, The full chain of title establishing Cavalrys legal right to collect this debt.

To date, Cavalry Portfolio Services has failed to provide any such validation. Despite this, they have continued collection activity and/or are reporting this unverified account to the credit reporting agencies. This is in direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which mandates that only accurate, verified, and complete information may be reported to consumer credit bureaus. 

This unresolved and unvalidated account is negatively impacting my credit standing and causing unnecessary stress and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report XX/XX/XXXX and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/XXXX, I sold my vehicle and fully satisfied the remaining balance on the loan. Chase confirmed the account as paid in full XXXX XXXX XXXX and issued a XXXX letter verifying that no outstanding balance remained. 
However, in late XXXX, I began receiving calls from Chase claiming that there was an unpaid balance on the account, despite their prior confirmation of full payment. Additionally, the account, which had initially been closed as a charge-off, was later reopened, and Chase began reporting the account as active, adding interest and alleging that the full balance had not been satisfied

Company response to consumer: Closed with explanation