vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( XXXX ). I request a full investigation and removal of any entries that can not be verified with proper documentation. 
Accounts in Dispute 1. XXXX XXXX XXXX {$3600.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( inaccurate reporting ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ). 
2. XXXX XXXX XXXX  {$1800.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( inconsistent payment history ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ) ; Reg V XXXX XXXX ) ( failure to comply with proper account status fields ). 
3. XXXX XXXX XXXX {$770.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect payment history ) ; FCR

A 623 ( b ) ( 1 ) ( C ) ( failure to correct inaccuracies after being informed ).

4. XXXX XXXX XXXX$5900.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( data discrepancies across bureaus ) ; FCRA 611 ( a ) ( failure to verify ) ; FDCPA 807 ( 8 ) ( false representation of debt status ).

5. XXXX {$4900.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( failure to ensure accuracy of account status ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate after dispute ).

Legal References & Basis for Dispute 1. FCRA 607 ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information.

2. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate.

3. FCRA 623 ( b ) ( 1 ) ( C ) : Requires furnishers to correct any inaccurate information within 30 days after being notified of a dispute.

4. FDCPA 807 ( 8 ) : Prohibits collectors from reporting false or misleading information about a debt. 
5. Reg V ( XXXX ) : Mandates that CRAs must report accurate status codes and update account information following dispute resolutions. 
Data Breach Notice Given the previous data breaches affecting Experian and other agencies, my personal information may have been exposed. This may have resulted in inaccurate reporting on my account ( s ). Please confirm whether my information has been compromised. Under FCRA 602 ( a ), you are required to ensure that my data is not only accurate but also secure.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fair and accurate credit report. I am requesting that these entries be reviewed, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was sold a computer advertised as working for {$150.00}, initially it was on the factory reset process. Afterwards it turned out that the laptop did not have the storage and could not be used. When i filed as fraudulent and tried to get my money back, no sollution was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Tx. XXXX XX/XX/XXXX DOB : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Verification and Removal of Unauthorized Inquiries. 

To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize.

The following companies made inquiries without my consent : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law.

Attached are my identification and proof of address.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.

I certify that I am the one conducting this dispute and NOT a third party. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries appearing on my consumer credit report. These inquiries were not authorized by me in writing, nor do they appear to serve any permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I have never given written consent to the companies responsible for these inquiries to access or obtain my credit report. Because the FCRA requires that a consumers credit file only be accessed with a legitimate permissible purpose and written authorization, these inquiries represent violations of my consumer rights under federal law.

Accordingly, I am demanding that your agency : 1. Conduct a full investigation into each disputed hard inquiry ; 2. Provide the name, address, and permissible purpose of every entity that obtained my credit file ; and 3. Delete all unauthorized inquiries that can not be verified as having a valid written authorization or permissible purpose under 15 U.S.C. 1681b.

Please be advised that failure to comply with the FCRAs provisions may subject your agency and the furnishers of this information to civil liability under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of your investigation and an updated credit report reflecting any deletions within 30 days of your receipt of this dispute, per FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am writing to file a complaint regarding the sudden and unexplained closure of all my credit card accounts by JPMorgan Chase Bank. I have been a long-time customer and have maintained an excellent payment history. The abrupt termination of my accounts has caused significant disruption to my personal and business finances. 

Recently, I established a new business and had intended to continue building my financial relationship with Chase by using its business credit products and banking services. I also planned to consolidate my personal finances under Chase by transferring my XXXX IRA and investment brokerage accounts to Chase for long-term wealth management. 

However, the closure of all my credit card accountswithout clear notice or explanationhas not only damaged my credit standing but also undermined my ability to operate and grow my new business. I believe this action was taken arbitrarily and not based on my actual financial conduct or risk profile. 

I respectfully request CFPBs assistance in reviewing Chases decision and ensuring that consumers like me receive fair treatment and transparent communication regarding account closures. I would appreciate it if Chase could provide a detailed explanation and consider reinstating my credit card accounts. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX Late Payment Date : [ Specific Late Date ] XXXX XXXX XXXX Account Number : XXXX Late Payment Date : [ Specific Late Date ]

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 2025-10-31 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-31 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: WI

Complaint narrative:
XXXX. The inquiry was not authorized. 
XXXX XX/XX/2024 Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-31 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: MD

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following items on my Equifax credit report. These items are either inaccurate, incomplete, or have not been properly reported, and I request they be investigated and corrected accordingly. 

Charged Off : XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$550.00} XXXX XXXX, XX/XX/XXXX, {$2200.00} XXXX  XXXX, XX/XX/XXXX, {$10.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: DigniFi
State: TX

Complaint narrative:
The dealership ( XXXX XXXX  ) had me sign up to another lender called XXXX because there wanted to install pay the down payment. I signed up and afterwards I waited in their office about an hour to sign the contract and go over the terms but the Wi-Fi had went out and they told me to come back the next day and sign and pick up the truck and I DID NOT SIGN ANY CONTRACT. So as the next day can around I started realizing that the price for that truck was too high and called the manager to cancel that initial loan with XXXX XXXX. The XXXX XXXX took his time resolving that day stating he was busy so I took matters in my own and called XXXX XXXX myself. XXXX XXXX  told me that they needed consent from the used car dealer and they called and the XXXX guy kept saying we have a deal on the table and he can work something out. So I asked the supervisor to step in and she said she would handle it and she understood the matter. So today XX/XX/year> I recieved a email saying my bill is due for {$60.00} and I called XXXXXXXX XXXX back and asked them why havent they closed my account. Their response was the guy XXXX hasnt consented. My complaint is that I have texts of him constantly trying to sell me a car and me refusing, me verbally telling XXXX XXXX I didnt go through with the deal and I didnt want the truck back in XXXX and they insist to scam me out of money and I DIDNT NOT GO THEOIGH WITH THE TRUCK. At this point its fraud and the representative at XXXX FI is telling me to go up there but I shouldnt have to if I didnt sign nothing and going up there with the nonsense that Im dealing with them will cause confusion and lead up to worse things. Im trying to go through all avenues to get this resolved and prevent others from being scammed by this dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Likewise these COLLECTIONS ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debt. The below listed PU

BLIC RECORD that is being reported within my credit report is inaccurate account information.

Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting a misleading false account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation