vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Experian 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-30 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a letter from Midland Credit Management attempting to collect an old debt originally owed to XXXX XXXX XXXX XXXX XXXX The letter states that my obligation remains valid, due, and owing, and includes a heading that states, You have an obligation to resolve this. 

However, this debt was charged off in XXXX, and is time-barred under XXXX XXXX statute of limitations for written contracts. Midland admits in the same letter that they will not sue you for it or report payment or non-payment to a credit bureau. Despite this, the language and format of the letter imply a legal obligation that no longer exists, potentially misleading consumers. 

Offering discounted settlement amounts without clearly and prominently stating that the debt is legally unenforceable may constitute deceptive practices under the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ).

I believe Midland 's letter creates the false impression that I am still legally obligated to pay the debt, and that failure to act could result in consequences, despite the debt being legally uncollectible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: AL

Complaint narrative:
I financed a vehicle through Skopos Financial in XX/XX/XXXX. On XX/XX/XXXX, my vehicle was repossessed without proper notice or opportunity to reclaim my personal property, which included sensitive items such as my purse, ID, and my children 's belongings. At the time, I was XXXX to XXXX  months pregnant and caring for a XXXX child, and this incident caused extreme emotional distress and hardship. I was forced to rely on my XXXX mother for transportation, creating additional stress and financial burden. 

Skopos Financial claimed the vehicle was held by a company called XXXX XXXX XXXX, which repeatedly failed to answer calls and appears not to exist. I also contacted XXXX, the repossession vendor, who provided no assistance. I was later informed the vehicle was sold at auction without notice, and no breakdown of sale proceeds or auction documentation was provided. 

My credit report still reflects a derogatory profit and loss write-off despite these procedural failures. Based on these facts, I believe my rights were violated under the following : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Lack of clear loan disclosures and repossession terms.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Misreporting and failure to correct inaccurate derogatory status.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Failure to assist, refusal to communicate, and potential breach of peace.

Uniform Commercial Code ( UCC ) Article 9, 9-609 to 9-625 ( and XXXX XXXX XXXX XXXX XXXXXXXX ) Lack of repossession notice, failure to return personal property, and lack of auction transparency. 

XXXX XXXX XXXX XXXX Potential infringement of due process, property rights, and equal protection under state civil liberties.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> i deposited a check from a class action lawsuit for {$2000.00} into my Chase account. Chase had said that i would have access to my money on XX/XX/year>. Instead the closed down my account and refuse to give me my money. The check Chase cashed on XX/XX/year>. I have called and went to the branch. I have field a complaint. Chase claims that the phone number of the business that issued the check does not pass verification for Chase. The company who issued me the check said its out of their hands they sent me check and Chase cashed it. I have called everyday. I filed a complaint and was told they would contact me in 2 days. Nobody ever called. so after 5 days i called Chase again and complained. Then they called me back and said no we can hold this money for XXXX  years and we are not giving you the money and we dont have to provide you with any date to when we will give you money. 

This is insane. This is ruining my life and has caused me so man problems. Not just finacially, but mentally and have wasted countless hours calling and trying to get chase to give me money. Its criminal. Its been a snowball effect. I have almost lost my job over this XXXX and my house. Like i said last phone call they said XXXX years and told me to deal with, and there was nothing i could do get over it. Chase also closed my account and i cant even access my own bank statements anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime/XXXX  has violated federal XXXX  laws by seizing protected funds from my account despite having full knowledge of my active XXXX XXXX XXXX case ( # XXXX ). On XX/XX/year>, Chime deducted {$75.00} from a deposit from XXXX XXXX without my permission. On XX/XX/year>, they again seized {$27.00} from a cash deposit both actions occurred without court authorization or trustee involvement, and both amounts were protected funds under federal XXXX  law. 

Ive repeatedly notified Chime support and provided my XXXX case number. Instead of restoring the funds, I was given inconsistent responses. Their updated XXXX  policy ( effective XX/XX/year> ) does not override the legal protections provided under the XXXXXXXX XXXX XXXXXXXX. Any internal offset against a negative XXXX XXXX XXXX balance using deposited funds during an open XXXX  stay is illegal and constitutes a willful stay violation. 

Chime refuses to reverse the funds or escalate the issue to their legal or bankruptcy department despite multiple formal requests through chat and phone.

This complaint is a formal demand for : 1. Immediate refund of the {$75.00} ( XX/XX/XXXX ) and {$27.00} ( XX/XX/XXXX ) unauthorized offsets. 


2. Written acknowledgment of the violation and updated internal policy to prevent future illegal offsets against protected consumer deposits during bankruptcy.

3. Escalation to Chime 's internal XXXX/legal compliance department . I am also submitting complaints to the OC
C and my XXXX  attorney. If unresolved, I will pursue small claims litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered that i was a victim of identity theft, and i filed the identity theft report so i can get this problem solved so i can move forward with my life

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 2025-07-30 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-30 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-30 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: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
Impact of Inaccurate Reporting Due to the presence of these unverifiable accounts, a recent review of my credit file prevented me from successfully completing a purchase transaction. This has caused me financial harm, emotional distress, and reputational damage. The continued reporting of these inaccurate accounts is directly interfering with my ability to obtain necessary goods and services, and therefore requires urgent corrective action.

Demand for Compliance You must complete your reinvestigation within 30 days of receipt of this letter. 

If the disputed information can not be verified, it must be deleted from my file immediately. 

You must provide me with a written statement of the results of your investigation, including an updated copy of my credit report, as required by law under 15 U.S.C. 1681i ( a ) ( 6 ).

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 2025-07-30 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: AL

Complaint narrative:
Impact of Inaccurate Reporting Due to the presence of these unverifiable accounts, a recent review of my credit file prevented me from successfully completing a purchase transaction. This has caused me financial harm, emotional distress, and reputational damage. The continued reporting of these inaccurate accounts is directly interfering with my ability to obtain necessary goods and services, and therefore requires urgent corrective action.

Demand for Compliance You must complete your reinvestigation within 30 days of receipt of this letter. 

If the disputed information can not be verified, it must be deleted from my file immediately. 

You must provide me with a written statement of the results of your investigation, including an updated copy of my credit report, as required by law under 15 U.S.C. 1681i ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a Citi account holder. My account has been locked without warning. I attempted to resolve this by calling customer service and technical support, verifying my identity, and following all instructions provided. 

Despite this, I was told my account is under investigation and was abruptly disconnected without resolution. I am now locked out of my banking app with no timeline or assistance. This lack of transparency and accountability is unacceptable, especially given the sensitive nature of financial access. 

I request that a senior representative contact me immediately to discuss next steps, verify my identity, and assist in restoring account access or giving a clear timeline. It has been beyond XXXX business days, this account is strictly used to manage reoccurring monthly payments. 

If I have to go to a branch to verify in person that is fine, but having no access to my account and having no support service is insane. I have protection on my account to prevent overdrafts and fraud that does not equate being locked out and excusing a lack of due diligence. 

I called at the end of XX/XX/XXXX when the account was initially locked multiple times daily was hung up on because of fraud protection, sent and email on XX/XX/XXXX, called again on the XXXX, and XXXX of 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 monetary relief