vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I demand a reinvestigation. Per Cushman v. TransUnion, Experian must obtain independent documentary verification and may not rely on mere e-OSCAR codes. 
Disputed Experian Tradelines & Defects 1. RADIUS GLOBAL SOLUTION ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX last-4 : ____ ] o EX shows : Account Status : Open/Collection, Balance : {$2100.00}, comment Placed for collection, Date Last Active : XXXX. 
o Conflict : Another bureau shows Closed/Charge-off with different activity dates.

o Metro 2 breaches : Account Status, DLA, Special Comment/Compliance Code, Current Balance.

o All late months disputed. 
XXXX. XXXX XXXX XXXX ( XXXX. : Credit XXXX XXXX ) Acct # [ XXXX : XXXX ] o EX shows : Open, Past Due : {$1000.00}, XXXX : XXXX, and Was 90 days late XXXX time ( XXXX ) ( nonsensical without ledger/DOFD chronology ). 
o Conflicts : Status/Past-Due/DLA differ on other bureaus. 
o Metro 2 breaches : Payment Rating/History, DOFD/DLA, Account Status , Amount Past Due.

o All late months disputed. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX ) Acct # [ last-4 : ____ ] o EX shows : Open/Collection, Balance : {$3800.00}, comment Consumer disputes this account information.

o Conflict : Another bureau lists Closed for the same balance.

o Metro 2 breaches : Account Status, Special Comment, Date of Account Information.

o All late months disputed. 
XXXX. XXXX XXXX Acct # [ last-4 : ____ ] o EX shows : Closed, Balance & Past Due : {$3200.00}, High Credit : {$3200.00}, and Was 90 days late 12 time ( s ) ( disproportionate compared to other bureaus ). 
o Conflicts : XXXX list XXXX XXXX {$4200.00} and fewer XXXX lates. 
XXXX XXXX XXXX breaches : High Credit, Payment Rating/History, Past Due XXXX XXXX logic. 
o All late months disputed. 
XXXX. XXXX ( Self Lender ) Acct # [ XXXX : XXXX ] o EX shows : Closed / {$0.00} / AsAgreed, yet still carries a XXXX late and Negative status. 
XXXX XXXX XXXX breaches : XXXX XXXX vs Account XXXX, XXXX unsupported. 
o All late months disputed.

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 2025-10-06 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: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
What Happened On XX/XX/XXXX, I took my XXXX XXXX XXXX ( XXXX miles ) to XXXX XXXX XXXX XXXX for scheduled service. When I left the dealership, I was driving a XXXX XXXX XXXX under a 36-month lease I had not intended to enter.

The dealership represented the transaction as an upgrade and implied I would receive {$10000.00} for my trade and lower overall costs. Instead, the paperwork transferred ownership of my XXXX vehicle to the dealer and placed me in a lease costing approximately {$17000.00} total over three years, with no trade-in cash or equity returned. I later discovered the {$10000.00} was applied internally as a trade payoff, leaving me with no payment received and no vehicle ownership. 

When I realized what had occurred, I contacted the XXXX XXXX, who maintained the deal was valid and refused to unwind or respond in writing. I then sent a certified demand for rescission under Florida XXXX XXXX ( Deceptive and Unfair Trade Practices ), which was received by the dealership in early XXXX. No corrective action was taken. 

As a result, I have lost clear title to my XXXX vehicle, incurred a financial loss exceeding {$17000.00}, and face ongoing lease and insurance costs for a car I never intended to lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: RI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-06 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK

Complaint narrative:
I am the co-signer of XXXX XXXX XXXX, she had a debt for Discover Card. I am so tired of the harassment and legal stuff that this company has put us through. My mother 's health is not good, she is currently suffering from XXXX XXXX, she is of ill health and is in a XXXX XXXX but she received threatening letters, phone calls, emails, etc about her Discover/XXXX XXXX card reference XXXX XXXX, I am taking care of all her medical issues and bills. My name is XXXX XXXX XXXX XXXX XXXX. You better withdraw the legal harassing letters and subpoena, and court orders right now. Stop harassing us. My mom can not talk nor move. She is literally on her XXXX XXXX. If you need to contact me, directly contact XXXX XXXX ( daughter ) cell : XXXX email : XXXX I tried setting up payment plans but the website will not let me. If this is not resolved soon, I will be seeking legal counsel and will counter sue your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I ordered XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$650.00} was told shipping would take two weeks after the two weeks no order has ever been delivered or any shipping information so I tired reaching out to the merchant with no response I call capital one for dispute for the order and they havent helped me at all I need help dealing with capital one on the matter as the merchant want return email or phone calls the order posted on my capital one 360 checking account on XX/XX/year> as XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I filed a complaint in XXXX because money was taken from my Ally Bank online savings account, and I was having trouble with Ally in getting my funds returned. I did finally get that resolved. I also closed those accounts, and Ally opened new accounts. I let that happen so that I would have time to set up a new account with a different bank. Also, at Ally, my user ID and passwords were changed. I also discovered that Ally could not send me emails and said they would sort that out. I set up my accounts with a new bank and went to my accounts at Ally. I discovered that someone yet again took money out of my new, supposedly well-protected accounts! Ally accused me of giving out my new information. I did not, and I never would. I told them I wanted to close my accounts and transfer all my funds. They wouldn't do it. They said that, even after asking me several questions, sending me texts to my phone to verify, they did not trust that I was the rightful account owner. Now my accounts are blocked, and I can't get anyone to help me. I believe these account issues are an inside job. How else can someone get all my new information within a matter of days? Please help me get this resolved and get my money back from this awful company.

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 2025-10-06 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: CO

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-06 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: Experian Information Solutions Inc.
State: IL

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally address my concerns with chime handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was u feasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX  XXXX XXXX, MI XXXX RE : Request for Debt Validation / Notice to Cease Reporting Until Verified To Whom It May Concern, I am writing in response to a notice or credit report entry indicating that your company claims I owe a debt. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Please provide the following information so that I may verify the legitimacy and accuracy of this account : 1. The name and address of the original creditor. 2. The original account number associated with the debt. 3. The date the alleged debt was incurred and the date of last payment. 4. A complete itemized statement of the amount claimed, including principal, interest, fees, and any other charges. 5. Documentation bearing my signature that clearly shows I agreed to assume this debt. Proof that your company is authorized to collect in my state and that you have been legally assigned or purchased this account. Until these items are fully provided, you are required under the FDCPA to cease all collection activities, including reporting or verifying this account with any credit reporting agencies ( Equifax, Experian, TransUnion, or XXXX ). If you can not provide full validation, or if you continue to report unverifiable information to the credit bureaus, it will constitute a violation of both the FDCPA ( 15 U.S.C. 1692e and 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which prohibits reporting inaccurate or unverified information. If the account can not be validated, I request that it be immediately deleted from all credit reporting agencies and that you provide written confirmation of this action. Please note that this is not a refusal to pay, but a request for validation of the alleged debt. I expect your response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing a fraudulent collection account reported by Jefferson Capital Systems LLC in the amount of {$1600.00}. I have no knowledge, record, or connection to this account, and I never opened or authorized any credit or service that would result in this debt. This appears to be the result of identity theft. I discovered the account while reviewing my credit report and immediately took steps to dispute it with the credit bureaus. Since this debt is not mine, I am requesting a complete reinvestigation and deletion of the account in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The continued reporting of this inaccurate information is causing harm to my credit profile and must be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IN

Complaint narrative:
This account is incorrect and does not reflect my actual credit history.

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