vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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:
This letter serves as a formal dispute and deletion demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Upon reviewing my credit file, I discovered a collection entry being reported by XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, in the amount of {$450.00}. 

I have never received any written notice, contract, or document bearing my signature verifying that this debt belongs to me. Nor have I ever authorized XXXX XXXX to collect or report any alleged account in my name. 

Under 15 U.S.C. 1692g ( b ), a debt collector is required to provide validation of the debt, including a copy of the original signed agreement and proof that proper written notice was given before reporting to any consumer reporting agency.

Because no such proof or notice has been provided, this entry is unverified and constitutes inaccurate reporting under federal law.

Therefore, under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), I am demanding that your bureau conduct a full reinvestigation of this account and delete it immediately unless XXXX XXXX provides : 1. A copy of the original signed agreement or contract with my signature ; 2. Proof that proper written notice of this alleged debt was sent to me before reporting ; and 3. Documentation verifying XXXX XXXX legal right to collect and furnish this account. 

If this information can not be validated within the 30-day period mandated by law, this account must be deleted from my credit report immediately. 
Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n, which carries penalties including statutory damages, costs, and attorneys fees.

Please send written confirmation of the deletion or full validation results to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: DISCOVER BANK
State: GA

Complaint narrative:
Company Name : Discover Card Account numberXXXX Balance {$250.00} After reviewing my credit report, I found this entry to be inaccurate. I have requested documentation from the creditor on multiple occasions, specifically a signed contract or agreement that would validate this debt. To date, no such documentation has been provided. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. If the creditor can not provide a signed contract or sufficient documentation to substantiate the debt, I respectfully request that this item be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts Attention Equifax Dispute Department , I am writing to formally notify you of potential identity theft and inaccurate reporting on my Equifax credit file. During a recent mortgage application, I was alerted to a discrepancy between the Equifax score reported to my lender and the score displayed on the Equifax website. 
Upon contacting Equifax on XX/XX/year>, I was informed that I may have been a victim of fraudulent activity or identity theft, and that my personal information may have been compromised. I was instructed to provide supporting identification documents to verify my identity.

Enclosed are copies of the requested identification documents ( drivers license, Social Security card, and proof of address ). Please use these materials to verify my identity and conduct a comprehensive investigation of the disputed items referenced in the attached letter.

This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681a : Defining consumer report and the standards for data accuracy and proper association with the correct consumer.

Please confirm receipt of this letter and provide written notice of the results of your investigation, along with an updated copy of my corrected credit report.

Thank you for your prompt attention and cooperation.

Sincerely, 1. Copy of drivers license 2. Copy of Social Security card 3. Proof of address ( utility bill or bank statement ) 4. Formal dispute letter listing inaccurate/fraudulent accounts

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
On XX/XX/XXXX, I made a {$4100.00} payment to my Apple Card from my XXXX XXXX  account ( ending in XXXX ). The payment posted as Completed the same day, well before the XXXX billing cycle ended. My Apple Card statement confirms that total payments for XXXX were {$4300.00}, leaving a remaining balance of only {$380.00} as of XX/XX/XXXX. 

Despite this, Apple ( through Goldman Sachs Bank USA ) reported to the credit bureaus that I owed over {$4000.00} for the month of XXXX. Multiple Apple representatives confirmed that even though the payment was on hold, it would still reflect as paid for credit reporting purposes. However, it did not. 

I have attached screenshots showing the completed payment on XX/XX/XXXX and my official Apple Card statement reflecting the payment. Apples internal decision to hold the funds should not have impacted my credit report, as the payment was made and received before the close of the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
the company randomly froze an incoming XXXX transaction along with an account level restriction leaving me unable to send the money back or withdraw it. it is sitting in limbo and reaching out to support chat only gets me a XXXX  XXXX  that does not even let me explain my problem. it just shows me a prepared script indicating my account is restricted and thebinly option I can click on is " yes thats it '' implying all my questions have been answered when jn fact none have been even allowed to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains multiple accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency : XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Account No. : XXXX At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of these accountsand the related hard inquiriesin my file, without documented proof of my consent, constitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits an identity theft report identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted a valid Identity Theft Police Report ( Case No. : XXXX ) clearly identifying the disputed items, which qualifies as an identity theft report under the FCRA. Despite this, TransUnion continues to report the accounts and the inquiries, causing ongoing harm. ( No separate FTC report number is being used because a Police Report is supplied as the qualifying identity theft report. ) FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

TransUnion has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher ( s ) or the agency demonstrates that this legal standard has not been met.

Personal Impact : I have been denied for legitimate credit applications due to these unauthorized accounts.

When approved for credit, I am forced to pay significantly higher interest rates.

I was recently denied rental housing because of this negative information.

My insurance premiums are higher due to credit-based pricing.

This has caused ongoing financial stress and embarrassment.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My dismissed XXXX XXXX XXXX  continues to be reported in a way that inaccurately impacts my credit. All debts from the case have been paid in full, but the record is still harming my ability to obtain credit. This is incomplete and misleading under FCRA 607 ( b ) and 611. I am requesting an update or deletion to reflect accurate information. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, consumer reporting agencies are required to maintain and report only complete and accurate information. The continued reporting of this dismissed bankruptcy without reflecting the fact that all obligations have since been satisfied is incomplete, misleading, and harmful.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX, I called CaptialOne customer service and requested to speak to someone in the US customer service department. I was transferred to XXXX ID # XXXX around XXXXXXXX XXXX on the XXXX of XX/XX/year>. I asked XXXX for the status of my CapitalOne credit card account and requested all late charges and fees be waived pursuant to 15 U.S.C. 1666b. ( a ). It states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of the this title is mailed or delivered to the consumer not later 21 days before the payment due date. XXXX refused to honor my consumer rights under federal law and said he is not removing the late charges. I stated Capital One complied with federal law by sending me a billing statement in a timely manner. I asked XXXX could he prove a statement was mailed and delivered to me no later than 21 days before the payment due date. XXXX said he can not prove that. I said if you can't prove it then you can't charge me a late fee. However, XXXX still refused to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Hi this TD Auto Finance didnt not have my verbal or written consent to pull my credit because I have a freeze in their and the company has to contact me for permission that never happened. Please remove this hard inquiry. And plus I have a Flat Cancellation of the XXXX which was financed by XXXX XXXX which have removed from my credit file. Please remove this XXXX XXXX from my report 15 US Code 1679c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Any credit cards I ever owned or settled or charged off done. I dont have and have not owned a credit card in years. This company Midland credit management, I have never heard of, has already threatened to sue me. I have no affiliation with this company and they are saying I must pay {$720.00} to them or they will sue me. 
Account number XXXX I have signed nothing with this company or agreed for them to help me fix any type of debt. Ive never heard of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This correspondence serves as a formal dispute and deletion demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Upon reviewing my credit report, I discovered that your bureau is reporting a collection account in the name of LVNV Funding, LLC, care of Resurgent Capital Services, L.P., XXXX. XXXX XXXX, XXXX, SC XXXX, with a reported balance of {$640.00}. 

I have never received any written notice, signed contract, or validation documentation verifying this alleged debt. Nor have I ever authorized LVNV Funding, LLC, or Resurgent Capital Services to collect or furnish this account to your bureau.

Under 15 U.S.C. 1692g ( b ), a debt collector must provide complete validation of the debt, including : A copy of the original agreement or contract bearing my signature, and Proof that proper notice was provided to me before reporting the account.

Since I was never notified and no signature or validation has been provided, this entry is unverified and must be deleted in accordance with the FCRA and FDCPA.

Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a full reinvestigation of this item and delete it from my credit report unless the furnisher provides the following within the 30-day statutory period : 1. The original signed contract verifying this debt is mine ; 2. Proof of written notification sent to me prior to reporting ; and 3. Evidence that LVNV Funding, LLC and/or Resurgent Capital Services has the legal right to collect and report this account.

If such documentation can not be produced within the required time frame, you are obligated by federal law to immediately remove this unverified collection from my file.

Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n, which carries liability for damages and attorneys fees.

Please send written confirmation of the results and any deletion notice to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NE

Complaint narrative:
Around XXXX or XXXX of XXXX some company/phone application by the name XXXX ( phone app ) or Briget Costal Financial ( the supposed bank that never answers the number on my credit report ) states that I received a loan from them. Payments were made to them in XXXX, XXXX, XXXX and XXXX of XXXX, which is impossible because I was incarcerated at that time in The XXXX XXXX XXXX in XXXX Nebraska. I served a 6 month sentence ( 98 days ) for assault and was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Since noticing this on my credit report I have tried repeatedly to contact XXXX XXXX XXXX ( located in Washington XXXX XXXX at least XXXX times at all hours of the day and get a voicemail stating they're currently closed, please call back, every time. I have never seen anything like this before, nor have I ever filled a complaint before. I need help with this one because I work to hard to suffer from nonsense such as this.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
On XX/XX/year>, between XXXX XXXX  and XXXX XXXX, my Chime account had multiple unauthorized Cash App transactions to Cash App XXXX XXXXXXXX XXXX totaling {$690.00}. I immediately reported this, froze my card, and opened a fraud dispute. Chime has stated the investigation will not start until XX/XX/year> with no provisional credit, leaving me with {$0.00}. This violates Regulation E timelines for unauthorized electronic fund transfers. I request immediate provisional credit and full refund of unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
This correspondence serves as a formal dispute and deletion demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Upon reviewing my credit report, I discovered that your bureau is reporting a collection account in the name of XXXX Funding, XXXX, care of XXXX XXXX XXXX, L.P., XXXX. XXXX XXXX, XXXX, SC XXXX, with a reported balance of {$640.00}. 

I have never received any written notice, signed contract, or validation documentation verifying this alleged debt. Nor have I ever authorized XXXX Funding, XXXX, or XXXX XXXX XXXX to collect or furnish this account to your bureau. 

Under 15 U.S.C. 1692g ( b ), a debt collector must provide complete validation of the debt, including : A copy of the original agreement or contract bearing my signature, and XXXX that proper notice was provided to me before reporting the account. 

Since I was never notified and no signature or validation has been provided, this entry is unverified and must be deleted in accordance with the FCRA and FDCPA. 

Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a full reinvestigation of this item and delete it from my credit report unless the furnisher provides the following within the XXXX statutory period : as XXXX. The original signed contract verifying this debt is mine ; XXXX. Proof of written notification sent to me prior to reporting ; and XXXX. Evidence that XXXX XXXX, XXXX and/or XXXX XXXX XXXX has XXXX legal right to collect and report this account. 

If such documentation can not be produced within the required time frame, you are obligated by federal law to immediately remove this unverified collection from my file. 
Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n, which carries liability for damages and attorneys fees. A Please send written confirmation of the results and any deletion notice to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief