vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX  - XX/XX/XXXX - the inquiry was not authorized. 
XXXX - XX/XX/XXXX- the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I requested written validation of the loan, they have provided me with a copy of a typed email on their site. It says electronic signature, but I dont see any real signatures. 
Most importantly, they are charging me 159 % interest. This is not legal, and I feel like it should be thrown out, and they should compensate for my loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that fail to reflect maximum possible accuracy. These errors are causing ongoing and significant harm to me, both personally and financially. I can not overstate the impact this has had on my life, and it is unacceptable that these issues remain unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ark-La-Tex Financial Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX we ( self and spouse ) closed on a refinance with cash to pay debts, with an excess of {$16000.00} to us after all debts were paid. We decided to apply it to the principal of the loan. We sent the payment with the lender provided coupon shortly thereafter and the check was received but they called us and said they would not cash it because they intended to sell. They offered to send it back or send it forward. We intended it for that use so we said keep the check and forward it, not understanding anymore than what they told us. At that point they had not sold the loan and only speculated as to when it would be sold. At some point, they cashed the check as it cleared on XX/XX/XXXX, but they did not send us receipt or proof of application, and we were told when we reached out, that the funds would be forwarded to the new company. When we received payment coupon to the new company it showed we owe the full amount, not including the principal payment of {$16000.00} that had been cashed and they have admitted its cashing. They are also holding a second check, also for principal towards the loan as the 1st payment was still not due until XXXX XXXX. The current servicer has acknowledged the checks receipt as of the XXXX of XXXX. Both companies, the previous and new servicing company, sent communications indicating that we could make payments to the existing lien holder up until the time of transfer. However, the existing servicing company did not honor their commitment to apply our payment. They are now holding {$23000.00} ( cashed check and uncashed check ) of payments that they said they could receive, which implies they could apply. The payment should have offset prepaid interest and affected the application of principal and interest to the first payment due but reducing the principal by a total of {$23000.00} and possibly affecting the loan amount offsetting prepaid interest. I called the previous company multiple times to get some indication of where the cashed funds have been applied. I threatened to consult with the CFPB as this is a violation of consumer rights according to all my research. They said I would hear from a higher supervisor, but I did not. I told them nothing short of the application of the funds to the preexisting full loan balance would satisfy their lawful obligation or our expectation. That last call happened early Friday, XXXX XXXX. Still promises but no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Mortgage Lending LLC
State: AL

Complaint narrative:
I submitted an FTC identity theft report regarding an account with XXXX XXXX XXXX  this account has been reported to the consumer reporting agencies. I did not authorize this account and it is a direct result of identity theft Under 15 USC 1681s-2 ( a ) ( 6 ) ( B ) once a consumer provides a FTC identity theft report or furnisher of information may not report account to any consumer reporting agency unless the consumer confirms the information is correct Despite filing the FTC identity theft report XXXX XXXX XXXX  has continued to remain on my credit profile this is a DIRECT VIOLATION OF FEDERAL LAW

Company response to consumer: Untimely response
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, I deposited {$450.00} in cash into a Chase ATM. The machine malfunctioned and did not deposit the cash. I filed a claim for the {$450.00} but mistakenly only asked for {$200.00} of it since I at the time believed that my tax return was part of the deposit ( they had told me that part of it may show up in my account ) and the tax return was not labelled in my account transactions. I didn't realize this until much later, and when I tried to update the claim to deposit the missing {$240.00}, they told me that since more than 6 months had passed, they can not do anything. Even though it was their fault that this happened in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnited States\nEarly Warning Services LLCXXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam,\n\nI am writing to formally dispute an early warning report associated with my name, which is currently causing significant difficulties, including the inability to open new accounts and restrictions on my existing accounts.\n\nI want to make it clear that I have never violated any XXXX XXXX XXXX rules or policies. Despite this, my XXXX XXXX XXXX accounts and my XXXX XXXX XXXX XXXX account have been restricted as a result of this early warning.\n\nI believe this early warning may contain inaccurate or outdated information that is unfairly affecting my financial activities. I respectfully request a thorough review of my report and the immediate removal or correction of any erroneous information that is negatively impacting my ability to access banking and financial services. \n I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request.\n\n\nBank Name: XXXX XXXX XXXX XXXXBank Routing #: XXXX  Account #: XXXX\nOpen Date: XXXXXXXX XXXX XXXX XXXX XXXXBank Routing #: XXXX  Account #: XXXXOpen Date: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: IA

Complaint narrative:
I have been a XXXX customer for almost 10 years and have successfully made thousands of transactions. Normally, after buying ETH with my debit card, I am able to transfer it out to my personal wallet within 30 minutes. 

However, on XX/XX/year>, I purchased {$55.00} worth of ETH using my debit card. For the first time ever, XXXX  placed a hold on the funds and did not allow me to withdraw the ETH. No warning, explanation, or timeframe for the hold was provided. I contacted XXXX  Support but received no response. 

This is an unfair and unexpected restriction that prevents me from accessing my legally purchased asset. Since the payment was already processed on my debit card, XXXX  is effectively holding my money/crypto without proper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt.I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I am disputing an account being reported by Portfolio Recovery Associates XXXX {$2200.00}. 
This account is inaccurate, unverifiable, and being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On [ insert date of your dispute letter ], I sent a written dispute and debt validation request to the collector. In that letter I specifically requested the following information : A copy of the original signed agreement or contract with the original creditor. 

A complete chain of title/assignment showing every transfer of the debt from the original creditor to the current collector. 

A full itemized accounting/ledger of the balance, including interest, fees, credits, and payments. 

Proof that the collector is licensed/authorized to collect debts in Kentucky. 

A copy of any judgment, if applicable. 

Suspension of credit reporting until the debt was properly validated. 

To date, the collector has failed to provide any of the requested documentation. Instead, they continue to report the account as accurate and verified with the credit bureaus, despite not producing legally required validation. 

This conduct violates : FDCPA, 15 U.S.C. 1692g ( b ) ( failure to provide proper validation before continuing collection or reporting ).

FCRA, 15 U.S.C. 1681s-2 ( furnishing information known to be inaccurate or unverifiable ).

I am requesting that the CFPB investigate and require the collector and the credit bureaus to : Delete this account from all credit reporting agencies, or Provide the full, proper validation I requested, including signed contract, chain of title, and full accounting.

Until proper validation is provided, this account should not be reported or collected.

Requested Relief : Immediate deletion of this account from my credit reports, OR Full validation including original signed agreement, chain of title, and accounting.

Ensure the collector ceases all reporting until validation is produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment information that has been reported on my credit file. The creditor XXXX XXXX has reported late payments on my account XXXX and XXXX to the credit bureaus. 

I am disputing these late payment entries as they are either : Inaccurate, Unverified, or Misreported.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information, and the furnisher of this information must investigate and provide proof of accuracy. If the creditor can not produce verifiable documentation proving that the reported late payments are correct and in compliance with FCRA reporting requirements, these entries must be removed immediately from my credit report.

The inaccurate reporting is negatively affecting my creditworthiness and financial opportunities. I respectfully request that the CFPB investigate this matter and ensure that the creditor provides validation. If they can not, the late payments should be deleted from all three major credit reporting agencies.

I have attached copies of my credit report highlighting the disputed late payments, along with supporting documentation for your review.

Thank you for your time and assistance. I look forward to your response and resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to report that I have been the victim of identity theft and fraud. My personal and financial life has been disrupted by inaccurate accounts, unauthorized inquiries, and false information that do not belong to me. Most concerning, one of the major credit bureaus ( XXXX  ) even reported my name and date of birth incorrectly, which is undeniable proof that my identity has been compromised. I have taken every step within my power to protect myself, including gathering and submitting supporting documents. I respectfully request that this matter be addressed with urgency, fairness, and without unnecessary delays or excuses. I did not cause this harm, and I should not continue to suffer because of the actions of identity thieves or reporting errors. My only goal is to have my true credit history restored, my identity respected, and these fraudulent accounts and inquiries permanently removed. I sincerely hope this matter can be resolved promptly and professionally, with no stalling, no unnecessary questioning, and no further burden placed on me as the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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