vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: CA

Complaint narrative:
I was called from a Georgia number with the caller ID name of XXXX XXXX. When I answered they asked me, " is this ___ ''? I said yes it was. Then they said, '' is _ _ _ _ The last four digits of your social ''? I told them I don't feel comfortable confirming or denying the last 4 digits of my social unless you tell me who you are. They wouldn't tell me who they were and they terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am filing this escalated complaint due to willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency/agencies named in this complaint. I have disputed multiple inaccurate, inconsistent, and incomplete accounts on my credit report for over a year, with no resolution, no proper reinvestigation, and no deletion of clearly erroneous data.

I have submitted formal written disputes as allowed under FCRA 611, yet the information remains on my report in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires that all furnished data be accurate and complete. In several cases, the same accounts are reporting inconsistent statuses, different dates of last activity, mismatched account types, and errors across TransUnion, Equifax, and Experian. This is not only negligent it is unlawful.

I have also filed with IdentityTheft.gov, provided supporting documentation, and notified the bureaus of these inaccuracies. Despite that, they have failed to correct or delete the information in violation of FCRA 623 ( a ) ( 2 ) and have continued to report disputed items as resolved without proper justification or documentation violating FCRA 623 ( b ). 

I am now experiencing direct financial harm as a result of this willful noncompliance, including denial of credit, inability to purchase a vehicle, and damage to my credit profile. I am demanding immediate and permanent deletion of the accounts outlined in my dispute history, not correction. 

This is my final attempt to resolve this through the CFPB before pursuing legal action for actual and statutory damages under FCRA 616 and 617. I expect a full investigation and immediate enforcement action.

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 2025-04-01 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: TX

Complaint narrative:
I am filing this escalated complaint due to willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency/agencies named in this complaint. I have disputed multiple inaccurate, inconsistent, and incomplete accounts on my credit report for over a year, with no resolution, no proper reinvestigation, and no deletion of clearly erroneous data.

I have submitted formal written disputes as allowed under FCRA 611, yet the information remains on my report in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires that all furnished data be accurate and complete. In several cases, the same accounts are reporting inconsistent statuses, different dates of last activity, mismatched account types, and errors across TransUnion, Equifax, and Experian. This is not only negligent it is unlawful.

I have also filed with IdentityTheft.gov, provided supporting documentation, and notified the bureaus of these inaccuracies. Despite that, they have failed to correct or delete the information in violation of FCRA 623 ( a ) ( 2 ) and have continued to report disputed items as resolved without proper justification or documentation violating FCRA 623 ( b ). 

I am now experiencing direct financial harm as a result of this willful noncompliance, including denial of credit, inability to purchase a vehicle, and damage to my credit profile. I am demanding immediate and permanent deletion of the accounts outlined in my dispute history, not correction. 

This is my final attempt to resolve this through the CFPB before pursuing legal action for actual and statutory damages under FCRA 616 and 617. I expect a full investigation and immediate enforcement action.

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 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
The CFPB has implemented a final rule regarding the reporting of medical debts on consumer reports. The final rule by The CFPB to not include medical debts on consumer reports took effect on XX/XX/year>, which is 60 days from the date it was published in the Federal Register ( XX/XX/year> ), and codified in the Code of Federal Regulations at 12 CFR 1022 ; et al. 
This company is has failed to comply with the CFPBs final rule by continuing to report medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 hereby inform you that I have been a victim of identity theft. I have discovered that accounts have been opened in my name without my consent, and I wish to have them removed from my credit history. The accounts are as follows : XXXX XXXX  XXXX : XX/XX/XXXX ( 5 yrs, 9 mos ) XXXX XXXX XXXX : XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX : XXXX XXXX, XXXX ( 5 yrs, 11 mos ) XXXX : XX/XX/XXXX ( 3 yrs, 7 mos ) XXXX XXXX : XX/XX/XXXX ( 2 yrs, 6 mos ) 15 U.S.C.1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I requested in different occasions to MIDLAND CREDIT MANAGEMENT validate this alleged account showing proof of existing contract between them and I. I sent these requests in XXXX, XXXX, XX/XX/XXXX, and XX/XX/year>. MIDLAND has failed to provide such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a letter, dated XX/XX/year>, which I did not open until XX/XX/year>, due to travel. The letter informed me that all my accounts including savings, checking and credit cards, would be closed. Upon contacting the bank to verify the authenticity of the letter, I was informed that Chase was indeed closing all my accounts based on unidentified concerning activity. Despite my request for clarification on what constituted this concerning activity, the bank declined to provide any specific details, citing their terms of agreement which allow them to close accounts without explanation. As a layperson, I had not reviewed these fine-print terms. 

Furthermore, I inquired about the possibility of an appeals process or extension to delay the account closures given my long-standing relationship with the bank, but this request was also denied. I have been a customer of Chase for approximately 25 years, maintaining multiple accounts, including savings, checking, IRA, and credit cards. My accounts are consistently in good standing, with regular direct deposits and electronic payments. 

The abrupt closure of these accounts has imposed a significant burden on me, necessitating the reconfiguration of numerous financial arrangements. Additionally, after filing a complaint with the Office of the Comptroller of the Currency ( OCC ), I received a response from JP Morgan Chase dated XX/XX/year>, indicating their intention to close my IRA. This action appears retaliatory given that I sought governmental assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
I opened 2 CD 's and an online savings account. I setup up direct deposit from payroll. When my first direct deposit was complete, I moved XXXX from savings to an account that I have at XXXX Bank ( XXXX ). When the second deposit posted I attempted to move XXXX to a different account at XXXX XXXX That transfer was declined, and I was told to call Goldman Sachs. When I called, they told me they needed to do a third-party call to verify my account. I refused to compete this call as I did not want to provide my identifying information on a recoded line for that was private to another institution. The transfer was cancelled. Once funds were placed back into may savings account, I called in to have this account closed. I was told they would not close my account as I needed to complete this verification via phone. I asked if they could mail me a check and I was told no. In order to get any of my funds this call would need to be completed. I was speaking to someone by the name of XXXX. He refused to provide a last name or employee number. I asked if he could escalate to get his supervisor on the phone and he refused. He said he did not have a manager. I asked how I was supposed to get my funds, and I was told, and I was told I was not. I was forced to complete this call before I had access to my own funds. When I asked why my first transfer would be sent to an unverified account and the second one was stopped, I was informed that the system stopped it and the only way I could move forward with any action was to complete this call. I was not allowed to have a check sent to me. When we did the verification, I informed XXXX that the account he was trying to verify was closed. He stated it did not matter he still needed to verify it. I am unable to locate on the account disclose that I am not able to request a check be mailed. The odd thing is I closed an XXXX savings held with Goldman Sachs, and they mailed a check on that one no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NE

Complaint narrative:
My personal information was exposed in a data breach. These items do not belong to me and i have never done business with any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 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: NE

Complaint narrative:
My personal information was exposed in a data breach. These items do not belong to me and i have never done business with any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I disputed a fraudulent account ( Account # XXXX ) with MCM on XX/XX/year>, requesting an investigation into the validity of the debt. 

Despite their assurance that no collection efforts would be made during the investigation period, I received a collection call on XX/XX/year>, well before the investigation was completed. This is a direct violation of their stated policy and an unfair debt collection practice. 

Background of My Dispute : The account in question originated from XXXX XXXX XXXX XXXX. and was sold to MCM. 
I have already reported this as identity theft and provided sufficient dispute documentation. 
When I initially disputed, MCM requested additional documents such as a notarized affidavit of fraud, a police report, or an FTC identity theft affidavit. 
I have been in the process of gathering these documents, but MCM has failed to provide a formal written response regarding their investigation status. 

Violations Committed by MCM : Unfair Collection Practices : Contacting me via phone on XX/XX/year>, despite stating no collection efforts would be made during their investigation. 
Failure to Provide a Proper Investigation Response : I have yet to receive any mailed response explaining the outcome of their review. 
Potential False Representation : MCM initially claimed the account is not being reported to credit bureaus, but I have reason to believe this may not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute the fraudulent accounts that have appeared on my credit report as a result of identity theft. I have attached my official FTC Identity Theft Report ( Report # XXXX ), my government-issued ID, and proof of address for verification. 
The following accounts were fraudulently opened in my name without my knowledge or authorization : 1. XXXX - Account Number : XXXX - Opened fraudulently : XX/XX/XXXX - Discovered : XX/XX/XXXX - Amount : {$7500.00} 2. XXXX XXXX - Account Number : XXXX - Opened fraudulently : XX/XX/XXXX - Discovered : XX/XX/XXXX - Amount : {$1300.00} These accounts are not mine and are severely impacting my credit and personal life. I am currently applying for a student loan, and this fraudulent activity is creating significant obstacles. 
In addition, I am requesting the removal of the following unauthorized hard inquiries, which were made without my permission and are a result of identity theft : - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Please remove these inquiries from my credit report as they are fraudulent and negatively impact my credit profile.

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