vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
RE : Request for Immediate Deletion of Inaccurate Collection Account Account Name : XXXX XXXX XXXX. 
Original Creditor : XXXX / XXXX XXXX Account Number ( not known ) Date Opened ( per credit report ) : XX/XX/year> Reported Balance : {$600.00} To Whom It May Concern : I am formally requesting the immediate deletion of the above-referenced collection account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards.

This account is currently being reported with serious errors, including but not limited to : Reporting the account status as Open, which is inaccurate for a collection account and misleading to lenders and credit scoring systems.

Omission of the Date of First Delinquency ( DOFD ), which is legally required to calculate the 7-year reporting period.

Missing critical data such as Date of Last Payment, ECOA code, and portfolio/account type, violating the accuracy and completeness standards of XXXX XXXX XXXX 

Duplicate remarks ( " Placed for collection '' listed twice ), which falsely amplify the severity of the derogatory information. 

These issues are in direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must ensure maximum possible accuracy.

FCRA 605 ( c ) Bureaus must retain the DOFD to ensure timely deletion.

CFPB Circular 2022-07 Reinforces duty of data furnishers to use proper and complete XXXX XXXX coding. 

Due to the severity and legal implications of these violations, I am demanding that this account be deleted in full from my credit file immediately. If you choose not to delete this account, please provide the following within 15 days under my rights per FCRA 611 and 609 ( a ) : A copy of all documents you relied on to verify the debts validity and accuracy. 

The complete XXXX XXXX data set you are furnishing to TransUnion ( including status code, DOFD, ECOA, and payment history ). 

A written explanation of how you believe this reporting is compliant with federal law and XXXX XXXX standards. 

Please consider this my formal dispute and deletion request. Failure to correct or delete the account promptly may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other regulatory authorities.

I have attached proof of identity and a copy of the credit report showing the disputed entry. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
RE : Request for Immediate Deletion of Inaccurate Collection Account Account Name : XXXX XXXX XXXX. 
Original Creditor : XXXX / XXXX XXXX Account Number ( not known ) Date Opened ( per credit report ) : XX/XX/year> Reported Balance : {$600.00} To Whom It May Concern : I am formally requesting the immediate deletion of the above-referenced collection account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards.

This account is currently being reported with serious errors, including but not limited to : Reporting the account status as Open, which is inaccurate for a collection account and misleading to lenders and credit scoring systems.

Omission of the Date of First Delinquency ( DOFD ), which is legally required to calculate the 7-year reporting period.

Missing critical data such as Date of Last Payment, ECOA code, and portfolio/account type, violating the accuracy and completeness standards of XXXX XXXX XXXX 

Duplicate remarks ( " Placed for collection '' listed twice ), which falsely amplify the severity of the derogatory information. 

These issues are in direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must ensure maximum possible accuracy.

FCRA 605 ( c ) Bureaus must retain the DOFD to ensure timely deletion.

CFPB Circular 2022-07 Reinforces duty of data furnishers to use proper and complete XXXX XXXX coding. 

Due to the severity and legal implications of these violations, I am demanding that this account be deleted in full from my credit file immediately. If you choose not to delete this account, please provide the following within 15 days under my rights per FCRA 611 and 609 ( a ) : A copy of all documents you relied on to verify the debts validity and accuracy. 

The complete XXXX XXXX data set you are furnishing to TransUnion ( including status code, DOFD, ECOA, and payment history ). 

A written explanation of how you believe this reporting is compliant with federal law and XXXX XXXX standards. 

Please consider this my formal dispute and deletion request. Failure to correct or delete the account promptly may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other regulatory authorities.

I have attached proof of identity and a copy of the credit report showing the disputed entry. 

Thank you for your prompt attention to 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 2025-06-20 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: AL

Complaint narrative:
I created a Chime account in XX/XX/year> so my tax refund could be direct deposited and was incarcerated XX/XX/year>. The people that were not arrested got into my personal devices and my Chime account. After getting the card they changed the phone number and recovery email. I asked for help. The card was activated XX/XX/year> and the login info was changed XX/XX/year>. My XXXX tax refund was stolen.

Im asking Chime to investigate this identity theft and account take over and help recover or reimburse my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : DPT EDXXXX XXXX BALANCED {$4300.00} DPT EDXXXX XXXX BALANCED {$6700.00} XXXX XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXXXXXX BALANCED {$6400.00} DPT EDXXXX XXXX BALANCED {$3700.00} DPT EDXXXX XXXX BALANCED {$1500.00} DPT EDXXXX XXXX BALANCED {$3100.00} DPT EDXXXX XXXX BALANCED {$59000.00} XXXX XXXX BALANCED {$0.00XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
This item is a result of fraud. This account was never authorized

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: KY

Complaint narrative:
Back in XXXX, my automatic payments started getting rejected, causing me to miss payments and spiral further into debt. An immediate family member was diagnosed with a terminal illness, and I became responsible for taking care of them. It was a tough year, and I missed a lot of work, resulting in unpaid time that made my checks extremely short and caused me to fall behind on bills. 

I contacted the company multiple times, but I never received a legitimate answer or was able to get through to them. They eventually referred me to XXXX XXXX XXXX, who have been harassing me ever since. This harassment has caused me immense emotional distress and damage, on top of everything Im dealing with privately.

I tried to make arrangements and agreed to set up a payment plan, but they refused because it wasnt enough. I explained the situation to them on a recorded line, but they didnt listen. Theyve taken me to court several times, and now theyre garnishing my wages and trying to put a lien on my assets, even though I dont own anything of my own at the moment. 

Ive contacted them several times again, but they continue to give me the runaround or refuse to talk to me. I tried a third-party debt settlement company, but theyve failed to do anything for me, so the situation keeps escalating. Its ruining my credit, and its not just a financial burden ; its also a public record that everyone can see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Transunion, under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
IMMEDIATE ACTION REQUIRED : Identity Theft Fraud Block - XXXX XXXX XXXX ( FCRA XXXX ) To XXXX  : This is an urgent request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I, XXXX XXXX XXXX, demand that you block the following fraudulent information from my credit report within XXXX business days of receiving this complaint. This information is the direct result of identity theft and fraud. 

The fraudulent accounts include : CARTER-YOUNG : Collections account from XX/XX/year>, balance $ ( private ), linked to a personal loan. 

These are fraudulent collections appearing on my XXXX credit report, a copy of which is attached for your review. 

I did not open, authorize, or make any transactions on these accounts. They are entirely the product of identity theft and fraud. 

As proof, I've included my official FTC Identity Theft Criminal Complaint # ( private case number ). 

I expect these fraudulent items to be removed from my credit report immediately, as is my right under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I got a letter in the mail stating that I owed debt to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and I do not owe to this company at all. I never did because I was XXXX  from my apartment and it was paid up until my eviction notice and it was supposed to be shut off so this debt shouldnt be owed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

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 2025-06-20 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:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASAP:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.'

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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
IMMEDIATE ACTION REQUIRED : Identity Theft Fraud Block - XXXX XXXX XXXX ( FCRA 605B ) To Equifax : This is an urgent request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I, XXXX XXXX XXXX, demand that you block the following fraudulent information from my credit report within 4 business days of receiving this complaint. This information is the direct result of identity theft and fraud. 

The fraudulent accounts include : XXXX : Collections account from XX/XX/year>, balance $ ( private ), linked to a personal loan. 

These are fraudulent collections appearing on my XXXX credit report, a copy of which is attached for your review. 

I did not open, authorize, or make any transactions on these accounts. They are entirely the product of identity theft and fraud. 

As proof, I've included my official FTC Identity Theft Criminal Complaint # ( private case number ). 

I expect these fraudulent items to be removed from my credit report immediately, as is my right under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
Back in XXXX, my automatic payments started getting rejected, causing me to miss payments and spiral further into debt. An immediate family member was diagnosed with a terminal illness, and I became responsible for taking care of them. It was a tough year, and I missed a lot of work, resulting in unpaid time that made my checks extremely short and caused me to fall behind on bills. 

I contacted the company multiple times, but I never received a legitimate answer or was able to get through to them. They eventually referred me to Weltman Legal Services, who have been harassing me ever since. This harassment has caused me immense emotional distress and damage, on top of everything Im dealing with privately.

I tried to make arrangements and agreed to set up a payment plan, but they refused because it wasnt enough. I explained the situation to them on a recorded line, but they didnt listen. Theyve taken me to court several times, and now theyre garnishing my wages and trying to put a lien on my assets, even though I dont own anything of my own at the moment. 

Ive contacted them several times again, but they continue to give me the runaround or refuse to talk to me. I tried a third-party debt settlement company, but theyve failed to do anything for me, so the situation keeps escalating. Its ruining my credit, and its not just a financial burden ; its also a public record that everyone can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
U.S. bank illegally charged my account XXXX dollars to maintain a XXXX interest checking account because they changed their policies on checking account fees. 

This shameful given that I did not receive any written notice or otherwise of this change. Why is U.S. bank charging XXXX for consumers to give them money interest free?

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 monetary relief