vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I didnt apply for any new credit card because I woul like to up my limit line I call my own bank to ask about that after that I received alternate credit inquiries reported 6 please remove it immediately thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
They violated my right as a consumer under 15US1681B and I need these items blocked and deleted from my credit report as soon as possible

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 2025-08-16 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: MS

Complaint narrative:
They violated my right as a consumer under 15US1681B and I need these items blocked and deleted from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
THE INQUIRY FROM XXXX XXXX DOES NOT BELONG TO ME. PLEASE REMOVE. I FILED AN FTC PLEASE SEE ATTACHMENT.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 2025-08-17 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: CA

Complaint narrative:
Midland Credit Management. I have no idea what the debt is from. I filed a fraud claim with the credit reporting agency and it came back negative. Many years ago I filed Bankruptcy for the 2nd time. After many years/ during on or about XXXX I contracted with XXXX XXXX to Clean up my credit report. Once my credit was cleaned I maintained my credit paying everything on time and paying all my bills. I have not missed ONE SINGLE PAYMENT ON ANYTHING since repairing my credit. I believe XXXX XXXX was the person stealing and I don't think I was the only person/s he stole from. XXXX is now dead but we were acquainted for a few years prior to his death. I believe XXXX was under the impression that because he was on XXXX he had nothing to lose. I also successfully had a XXXX Charge removed from my phone. Amazingly it was about the price of a new XXXX and funny enough I remember him having a new XXXX. Pretty remarkable for a guy hooked up to a machine atleast 1 time a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
I have sent a letter through the mail. I have spoken to the Experian Fraud Dept. I have uploaded my credentials to Experian. My original complaint still holds true.I can not access my account. My original complaint XXXX remains unresolved. I demand a human from Experian contact me. 

My original complaint : Appears someone has created an Experian account under my name/SSN. Experian only has an endless loop and I can not talk to a person. User name and password reset requests are sent to an email address I can not recognize. I need help getting through to Experian. Their practices make it impossible to deal with an issue. I fear someone has taken my identity with this credit bureau. I have no issues with the other bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
I am disputing the XXXX XXXX XXXX  charge-off account and XXXX a collection that Experian and TransUnion continue to report as verified. XXXX  has already deleted this account after their investigation, proving the information is inaccurate and inconsistent across the credit bureaus. I have attached proof of XXXX deletion for your review. Under FCRA 607 ( b ) and 611,

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 
Details of the Dispute : 1.Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 
2.Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX Fl XXXX, while my credit report shows an outdated address of : XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license and Social security A recent bank statement showing my current address. 
Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me by email at XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
Voluntary Surrender ( TransUnion ) Subject : Request for Investigation & Deletion of Voluntary Surrender Entry Dear [ Bureau ], I am disputing the Voluntary Surrender entry currently reflected in my file. 
This entry is reported as a derogatory even

t. Under 15 U.S.C. 1681c ( a ) ( 4 ), negative information such as repossessions or voluntary surrenders may not be reported beyond 7 years from the date of first delinquency. If this entry is beyond the reporting window or can not be fully validated by the creditor, it must be deleted. Additionally, under 15 U.S.C. 1681e ( b ), you are requi
red to ensure maximum possible accuracy. Without proper supporting documentation, continued reporting of this entry constitutes willful noncompliance with the FCRA. 
I hereby request deletion of this account if it can not be verified and demand an updated credit file reflecting the correction within 30 days. 
Sincerely, 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MO

Complaint narrative:
A charge for {$560.00} from a XXXXXXXX XXXX, located in XXXX, New Jersey, was charged through my debit card. XXXX : I called Fidelity and asked about the charge, they told me they would start an investigation to resolve the claim. XXXX : I was called by Fidelity asking me questions related to my claim I requested. XXXX : I receive mail stating that my claim was denied, no other information was given to me about why, or what process occurred for them to arrive at that decision. Between this time and the 4-28 letter, outreach through social media avenues caused Fidelity to require BNY Mellon to reopen their investigation. A call was requested by a worker for BNY Mellon. This call lasted less than five minutes, and no new information was provided to them, other than to tell them that XXXX had been contacted by me, and was never contacted by BNY Mellon as part of any investigation. XXXX further stated that disputes needed to be initiated through the card issuer. XXXX : An almost identical letter was mailed to me in response, stating the same thing, that my claim was denied. At this point, despite easily being able to reach the phone center employee, they no longer answered repeated calls asking for more information. XXXX : I fax a request to BNY Mellon requesting documents and other evidence they used in their investigation, which was confirmed as received. BNY Mellon has yet to respond in any capacity to my mail, and has not provided any documents. For more context about my situation, I don't have a XXXX XXXX, I don't live any where close to XXXX, I live more than XXXX miles away, and I have never gone there, I haven't given out my Debit Card to anyone I know or have had it stolen, since I have had my Fidelity account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : XXXX XXXX XXXX  Subject : Legal Demand for Permanent Deletion of Fraudulent Account Violation of FCRA and FDCPA To Whom It May Concern THIS IMFORMATION WAS PREVIOUSLY DELETED GET IT OFF MY REPORTS NOW!!!

I am writing regarding the fraudulent account being re-reported to my consumer credit profile : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} Status/Descriptor : Consumer disputes reinvestigation in process Date Opened : XX/XX/year> This account was previously deleted as fraudulent yet has been reinserted into my consumer file without proper certification or notice, in violation of the Fair Credit Reporting Act ( FCRA ).

Violations Identified FCRA 611 ( a ) ( 5 ) ( B ) : A consumer reporting agency must not reinsert previously deleted information unless the furnisher certifies its accuracy and the bureau provides written notice to the consumer within 5 business days. This did not occur.

FCRA 607 ( b ) : You are obligated to maintain reasonable procedures to ensure maximum possible accuracy. Re-reporting previously deleted, fraudulent information is a direct violation.

FCRA 605 ( a ) : Outdated and unverifiable adverse accounts can not be reported.

FCRA 611 ( a ) : I have the right to dispute any inaccurate or unverifiable account, and you must delete it within 30 days unless verified by the original creditor with documentation.

FDCPA 807 ( 8 ) : Prohibits communicating credit information which is known or should be known to be false.

FCRA 616617 : Provides for civil liability, actual damages, punitive damages, attorneys fees, and costs of action against consumer reporting agencies that willfully or negligently fail to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am formally disputing the accuracy of the following account that appears on my credit report. I request that you provide verification of this account in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under Section 609 of the FCRA, I am entitled to request all information in my consumer file, including the original contract or other documentation bearing my signature that verifies I have a legal obligation to pay this alleged debt. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to request proper validation of this debt. This includes a copy of any judgment, verification of the amount owed, and proof that the collection agency is licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
I am filing this complaint because my credit reports contain fraudulent accounts, fraudulent closed accounts, fraudulent hard inquiries, and false personal information that I did not authorize or consent to. I have already submitted an FTC Identity Theft Report regarding these items. These accounts and inquiries were created without my knowledge or permission and are the direct result of identity theft. Their presence is negatively impacting my creditworthiness and ability to access financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I am submitting this rebuttal in response to RentDebt Automated Collections ( RDAC ) reply dated XX/XX/year>, regarding my complaint. 

First, RDAC falsely stated that they have not received a direct dispute from me. This is inaccurate. On XX/XX/year>, I mailed a written dispute letter to RDACs address. In that dispute, I clearly requested full validation of the debt as required by FDCPA 809 ( b ). I specifically requested : My original signed lease agreement ; A copy of my signed rental application ; A full itemized accounting of all charges, payments, credits, and calculations of the alleged balance ; Documentation showing RDACs legal authority to collect ; A sworn affidavit from a live person, not a computer system ; Copies of any eviction or court filings. 

I am attaching a copy of my original dispute letter here for the CFPBs review. RDACs claim that they never received a direct dispute is incorrect. Even if they chose to ignore or mishandle my dispute, my rights under the FDCPA and FCRA are still fully protected. 

Second, the validation provided in RDACs response is inadequate. They attached a final account statement and a copy of a lease, but these documents do not meet the full validation requirements under the FDCPA. There is no sworn affidavit, no signed rental application, and no proof that the large fees and charges are valid, reasonable, or legally enforceable. Many of the charges listed appear excessive, duplicative, or unlawful under Florida Statutes 83.49, which governs deductions from security deposits. For example : {$2000.00} lease termination fee ; {$1000.00} carpet replacement charge ; Numerous cleaning charges ( duplicative and unreasonable ) ; Multiple trash out and labor charges without receipts or proof.

Florida law requires landlords to act in good faith and only deduct reasonable costs actually incurred. Inflated or double-billed charges are not permitted. RDAC has simply passed along whatever charges their client listed, without proving they are legitimate, reasonable, or enforceable.

Third, RDAC continues to report this account to all three credit bureaus despite failing to properly validate it within the required 30-day period after my dispute letter. Under FDCPA 809 ( b ), they were required to cease collection activity until validation was provided. Under FCRA 623 ( b ), they were required to conduct a reasonable investigation and correct or delete inaccurate or incomplete information. They failed to do both. 

The result of RDACs actions is serious harm to me. This eviction-related tradeline is highly damaging, preventing me from obtaining housing and harming my overall credit profile. It is unfair and unlawful to continue reporting a debt that has not been properly validated and is based on questionable charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
Subject : Chime Repeated Denial of Fraud Dispute in Violation of Regulation E Complaint : I am filing a complaint against Chime for mishandling unauthorized electronic transactions on my account.

On XXXX XXXX, I discovered several online purchases totaling {$400.00} that I did not authorize. I immediately reported the transactions to Chime and submitted a dispute. Chime denied my initial claim without providing sufficient evidence. 

I then submitted a rebuttal with additional information and reiterated that these charges were unauthorized and fraudulent. Chime again denied my claim without offering proper documentation, reasoning, or proof that I was responsible for these charges. 

This conduct appears to violate Regulation E ( 12 CFR Part 1005 ), which requires financial institutions to : Investigate consumer claims of unauthorized transactions, Resolve the error promptly ( within 10 business days, or 45 if provisional credit is issued ), and Provide evidence and an explanation when denying a claim.

Chime has failed to meet these obligations. I have not received copies of the evidence they claim supports their denial, nor a clear explanation of how they determined the transactions were authorized. 

Resolution I am Seeking : Full reimbursement of the {$400.00} in unauthorized charges, as required under Regulation E.

A copy of the investigation results and all documentation Chime relied upon in denying my claim. 
Assurance that Chime will comply with federal regulations in handling future disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX XXXX, who is attempting to collect an old account from me and has reported inaccurate information to the credit bureaus. 

Re-Aging of Account ( Illegal Date Manipulation ) : XXXX XXXX XXXX XXXX. has furnished an incorrect Date of First Delinquency ( DOFD ) to the credit bureaus, effectively re-aging the account to make it appear newer than it is. This is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which limits reporting to 7 years from the DOFD, and of Metro 2 compliance standards, which prohibit altering the DOFD.

FDCPA Violations ( Deceptive Collection Practices ) : By re-aging and misrepresenting the account date, XXXX XXXX XXXX XXXX. is engaging in a false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). If the debt is time-barred, this conduct is an attempt to unlawfully revive collection activity.

Failure to Provide Proof of Right to Collect in Texas : When requested, XXXX XXXX XXXX XXXX. failed to provide : A purchase order/assignment agreement proving ownership or assignment of the account.

Proof of a valid Texas debt collection license.

Proof of the required surety bond filed with the Texas Secretary of State, as mandated by Texas Finance Code 392.101.

This suggests they may be illegally collecting debts in Texas without proper authorization or bonding.

Company response to consumer: Closed with non-monetary relief