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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Credit inquiries on your report that you don't recognize
Company: Sezzle Inc.
State: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute and Demand for Validation Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and demand verification concerning the information that has been furnished and/or obtained in my consumer report without my explicit written consent, as required under 15 U.S.C. 1681 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit file, I have identified certain accounts, inquiries, or data entries that appear to have been accessed or reported without lawful authorization or permissible purpose as defined in 15 U.S.C. 1681b. I have never provided written instructions or consent permitting any entity, creditor, or agency to furnish or obtain my personal or financial information.

Accordingly, I am demanding that your agency : 1. Conduct a full investigation into any and all accounts, inquiries, or information that were obtained or shared without my written consent ; 2. Provide the name, address, and lawful purpose of each entity that furnished or accessed my report ; and 3. Delete any item that can not be verified as having a legitimate permissible purpose under 15 U.S.C.

1681b.

Be advised that failure to comply with the Fair Credit Reporting Acts accuracy and verification requirements constitutes a willful violation, subject to civil liability under 15 U.S.C. 1681n and 1681o.

Please provide a written response and updated credit report reflecting any corrections or deletions made as a result of this dispute. I expect confirmation within 30 days of receipt of this notice, per FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Attempted to get information, but no email was returned

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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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: IL

Complaint narrative:
The following accounts are in dispute, and I request that they be corrected or removed from my credit report. 
Charged Off Accounts XXXX XXXX  Account Number : XXXX Date of Last Activity : XX/XX/XXXX Amount : {$19000.00} XXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Amount : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
Spoke with 3 individuals, all rather rude, when I asked to make payments they said my payment was due in full now so asked for the policy in writing for documentation and was interrupted and refused.

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: Experian Information Solutions Inc.
State: PA

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 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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I would like to file a formal complaint regarding my recent interaction with XXXX ( Representative # XXXX ) from Freedom Mortgage. 
When I initially called, I asked if she could waive my late fee. She stated that she could not and that no manager was available. I then asked if there was anyone above her I could speak with, and she said no. After I made my payment, I again requested to speak with a manager, and she told me I would need to wait for an escalation. 
We remained on hold for approximately XXXX minutes, during which she would periodically return to the line, claiming to check with her managers despite saying earlier that no managers were available. Each time she returned, she continued to ask about the late fee, even after I had already explained that I may need to speak with management about another issue. 
The interaction became unnecessarily argumentative, even though I was simply following her directions while waiting on hold. The experience was frustrating and unprofessional, and it did not reflect the level of customer service I expect from Freedom Mortgage. 
This call took place on XX/XX/year>, between approximately XXXXXXXX XXXX ET, from the same phone number listed on my account, should you need to review the call recording. 
I would appreciate it if you could review this call and address the matter accordingly. Please confirm once it has been reviewed or if any additional information is needed.

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 — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I entered into a XXXX payment arrangement with XXXX XXXX XXXXXXXX XXXX XXXX ) regarding my Target/TD Bank USA credit card account XXXX I have consistently made $ 100 monthly payments since then. On XX/XX/year>, XXXX issued a written {$6000.00} settlement offer ( valid through XX/XX/XXXX, later extended through XX/XX/XXXX ) and confirmed multiple times on recorded calls that they remain the authorized collection agency for this account. 

However, in XX/XX/year>, I received a letter from XXXX XXXX XXXX, XXXX, stating their intent to sue on behalf of Target/TD Bank XXXX When I called them on XX/XX/XXXX, their staff were dismissive and refused to honor the {$6000.00} XXXX  settlement, insisting that Target had not approved it and reporting a higher balance of {$12000.00} ( XXXX lists {$11000.00} ). I then contacted Target, who referred me back to the law firm without providing any written clarification. 

I have sent certified letters and multiple emails to both the law firm and Target requesting written confirmation of who is authorized to collect this account and which balance is correct. Despite these good-faith efforts, I have received no written response. XXXX continues to bill me monthly and confirms they are still authorized to collect. The conflicting and inconsistent collection actions between XXXX and the law firm have caused significant confusion, stress, and hardship, preventing me from resolving my account responsibly. 

I am requesting CFPB review for potential violations of the FDCPA and California Rosenthal Fair Debt Collection Practices Act due to conflicting representations, failure to validate debt ownership, and lack of transparent communication from Target/TD Bank and its agents.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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: LA

Complaint narrative:
Charged Off Accounts : There are no specific charged-off accounts listed for Equifax in this case. 

Inquiries : XXXX ( Date : XX/XX/year> ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX XXXX ( Date : XX/XX/year> ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX ( Date : XX/XX/year> ) Dispute : This inquiry is unauthorized. Please investigate and remove it from my credit report. 

Late Payments : XXXX XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please verify and provide the correct status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is incorrect. Please verify and provide the correct entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is inaccurate. Please investigate and provide the correct status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On Saturday XX/XX/XXXX i noticed XXXX unauthorized transactions totaling {$2600.00} being sent out of my account to people i dont even know starting at XXXX almost every minute until XXXX. Someone had somehow gotten into my account. Nobody knew any of my information. Each transaction was between $ XXXX {$62.00}. My email and phone number were both changed and chime did not try to contact me in any way to verify if it was me, it wasnt. Once i woke up and realized this had happened, i called chime and filed a dispute the same day. The person on the phone said i would receive a full credit of the money in my account within 10 business days. On Sunday XX/XX/XXXX i got a email saying the dispute was denied and they have determined no error occurred. I called back on the XXXX and asked why it was denied, got no answer, and i asked to reopen the dispute again.The operator again reassured me I would receive all the money back into my account. They said i needed a police report so i made one and submitted the police report number. The dispute was denied on Monday XX/XX/XXXX. I called Chime again on the XXXX and asked why it was denied and yet again got no answer. The operator told me i would receive all the money within 10 business days. I asked to reopen the dispute and they told me i needed to submit an actual picture of the police report, so i called the police station back and got the police report document on XX/XX/25 and sent it to Chime on XX/XX/25. On XX/XX/25 the dispute was denied again. I called Chime and they said they can not reopen the dispute again unless i had any new information. On XX/XX/25 I called Chime again and asked to get more information of why the dispute keeps getting denied and they left me with no answers yet again. The lady also said i wont get any of the money back since it was denied.

Company response to consumer: Closed with 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: GA

Complaint narrative:
I am writing to dispute several accounts reported inaccurately across my credit reports, as outlined below. These accounts are in dispute due to the following reasons : inaccurate reporting of charged-off accounts, inquiries that were not authorized, and late payments which were either reported incorrectly or are not reflective of my true payment history. Please review the information and correct the discrepancies. 




CHARGED-OFF ACCOUNTS XXXX : XXXX, XX/XX/XXXX, {$340.00} XXXX : XXXX, XX/XX/XXXX, {$270.00} XXXX XXXX  : XXXX, XX/XX/XXXX, {$380.00} XXXX CARD : XXXX, XX/XX/XXXX, {$1300.00} LATE PAYMENTS XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Charged-Off Accounts XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Acct XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} I dispute the accuracy and completeness of these charged-off accounts. Verify all information directly with the creditors and remove any account that can not be verified. 

Inquiries None currently disputed. 

Late Payments XXXX XXXX  Acct # : XXXX XXXX XXXX  Acct # : XXXX I dispute these late payments. Verify with the creditor and remove any unverifiable entries.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Charged-Off Accounts XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$7300.00} XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Balance : {$2400.00} XXXX  Acct # : XXXX  Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} I dispute these charged-off accounts. Please verify with the creditors and remove any accounts that can not be fully validated.

Inquiries No inquiries currently listed for dispute. 

Late Payments DPT EDXXXX Acct # : XXXX DPT EDXXXX Acct # : XXXX DPT EDXXXX Acct # : XXXX DPT EDXXXX Acct # : XXXX I dispute the accuracy of these late payments. Please verify with the creditor and remove any unverifiable 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 explanation