vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX : Thursday, XXXX XXXX All Collection Company List on this Letter Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to notices received regarding alleged debts listed below. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am exercising my right to request validation for each debt. 

Please provide the following information for each listed account 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 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  ) For each account listed, please provide : Detailed documentation verifying that I owe the debt. 

The total amount owed, including fees and interest. 

Original creditors name and contact information. 

Proof of your authorization to collect this debt. 

Verification that the statute of limitations has not expired.

Please cease all collection activities until validation is provided. Failure to comply may result in formal complaints to regulatory authorities.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Kikoff Inc.
State: MS

Complaint narrative:
According to fair reporting when they did charge off I was supposed to receive a 1099 so I can file and I didn't receive and I already filed taxes this is supposed to be removed and nobody is investigating not to mention the aggressive reporting of XXXX  XXXX  months in a row also violation of fair credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate.

Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX : Thursday, XXXX XXXX All Collection Company List on this Letter Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to notices received regarding alleged debts listed below. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am exercising my right to request validation for each debt.

Please provide the following information for each listed account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld System Inc/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each account listed, please provide : Detailed documentation verifying that I owe the debt.

The total amount owed, including fees and interest.

Original creditors name and contact information.

Proof of your authorization to collect this debt.

Verification that the statute of limitations has not expired.

Please cease all collection activities until validation is provided. Failure to comply may result in formal complaints to regulatory authorities.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXXB ( 15 U.S.C. XXXX ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 2025-03-11 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXXB ( 15 U.S.C. XXXX ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 non-monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. 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 2025-03-11 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts in question : XX/XX/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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have received repeated phone calls and letters threatening legal action which I know violates my rights under the debt collection act. They used a threat to report this to the credit bureau as unpaid as well. They sent me the same notice last month as well saying the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am disputing inaccurate and unfair negative items on my credit report, including closed accounts, chargebacks, late payments, and collections. These accounts contain errors, unverifiable information, or violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Closed Accounts & Chargebacks : These accounts were closed and should not be negatively impacting my credit.

Some contain chargebacks that were resolved, yet they remain as derogatory marks.

Late Payments : The reported late payments are inaccurate or unverifiable and should be removed.

Under 15 U.S.C. 1681c, I request an investigation and correction. 
Collections : Account # XXXX and other collection accounts were placed in violation of 15 U.S.C. 1692c ( unlawful communications ).

The debt collectors failed to validate the debt as required by 15 U.S.C. 1692g.

Some collections are not mine, were settled, or contain reporting errors.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MD

Complaint narrative:
Subject : Formal Complaint Against Chime Unfair Denial of Fraud Disputes To Whom It May Concern, I am filing a formal complaint against Chime for its mishandling of two separate unauthorized transaction disputes on my account. I reported multiple fraudulent transactions, yet Chime denied both disputes without providing sufficient evidence or justification. Their lack of transparency and failure to follow proper investigation procedures violates consumer protection laws under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

Dispute Details : Dispute # XXXX Claim ID : XXXX Reported Date : XX/XX/2025 Amount : {$1300.00} Unauthorized Transactions : Multiple, including payments to XXXX  and XXXX XXXX. 
Resolution : Denied on XX/XX/2025 without sufficient explanation. 

Dispute # 2 Claim ID : XXXX Reported Date : XX/XX/2025 Amount : {$1200.00} ( 21 unauthorized transactions ) Unauthorized Transactions : XXXX XXXX XXXX XXXX XXXX XXXX 
Resolution : Denied on XX/XX/2025, with no clear evidence provided. 

Issues with Chimes Investigation Process : 1. Failure to Provide Supporting Evidence Chime claims it reviewed location and device data but has not shared any verifiable proof.

2. Lack of Proper Chargeback Process I was not provided any documentation showing communication with the merchants or the merchants responses.

3. Regulation E Violation Financial institutions must conduct a thorough investigation and provide clear reasoning for denying disputes. Chimes vague responses and failure to share evidence suggest noncompliance.

Resolution Demanded : I request that Chime : 1. Conduct a fair review of my disputes with proper documentation.

2. Provide all supporting evidence, including merchant communications, device/location data, and justification for their denial.

3. Issue a refund for the unauthorized transactions if the investigation remains insufficient.

If Chime does not resolve this matter, I will escalate my complaint to the Office of the Comptroller of the Currency ( OCC ), the Consumer Financial Protection Bureau ( CFPB ), and legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CO

Complaint narrative:
Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) I expect TransUnion to conduct a thorough and immediate investigation into these fraudulent discrepancies and to permanently remove these unauthorized accounts. These fraudulent accounts were opened in my name without my knowledge and continue to cause irreparable harm to my personal integrity and financial standing. Pursuant to the FCRA, credit reporting agencies are legally obligated to block fraudulent information within four business days of receiving proper documentation. It is evident that TransUnion has failed to comply with this federal mandate. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful. 

Fraudulent Accounts : XXXX XXXX # XXXX 1. Balance : {$9200.00} 2. Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$500.00} 2. Open Date : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Student loans were paid in full and have XXXX balance, and are over 7 years old since paid off. These should be removed from my credit report entirely after this many years. I also took these loans out as a minor with my parent as the legal guardian who signed for them and was financially responsible. These student loans should have reported on my fathers credit, not mine as I was only XXXX when they were applied for and distributed in XXXX of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am writing to formally address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning the recent disputes I filed regarding identity theft on my credit report.

According to FCRA Section 609 ( a ) ( 1 ) ( A ), I am entitled to a free copy of any information that has been used to support the negative entry in my credit report, including investigation results for disputes raised. Despite my lawful dispute submission, I have not received the investigation results for the information I contested, and more importantly, I have been told that my disputes regarding identity theft are invalid. I find this both inaccurate and unjustified.

Under Section 605B of the FCRA, if a consumer reports that they have been a victim of identity theft, the credit reporting agency is required to block the fraudulent information from their credit report within four business days. In my case, not only has the information not been removed, but I have also been informed that my disputes are invalid. This stands in direct violation of my consumer rights. 

Case Law to Support My Position : XXXX. XXXX XXXX Equifax Information Services, LLC, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) In this case, the court ruled that a credit bureau must conduct a reasonable investigation when a consumer disputes information on their credit report. Failure to investigate, especially after a consumer claims identity theft, is a violation of the FCRA. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The court determined that under the FCRA, credit bureaus must take appropriate steps to ensure the accuracy and completeness of information they report, and failure to properly handle a dispute may result in liability for damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) The court emphasized that credit reporting agencies must investigate consumer disputes properly and provide results in a timely manner. Ignoring or invalidating a claim of identity theft is a direct violation of the FCRA.

I request that you immediately : 1. Provide me with the results of the investigation you conducted regarding the identity theft disputes I have raised.

2. Correct or remove any fraudulent information from my credit report that is a result of identity theft.

3. Cease labeling my disputes as invalid and treat them in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MI

Complaint narrative:
Dear Self/XXXX XXXX XXXX XXXX am writing to formally dispute the charge-off reported on my credit file for Account [ Account Number ]. After reviewing my credit report, I noticed that this account has been marked as charged off, and I believe this information is inaccurate and requires immediate correction. 

According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, verifiable, and fair. I am requesting that you provide the following : Proof of the validity of the debt Provide documentation verifying that this debt belongs to me and was accurately charged off. 
A detailed payment history Include all transactions and evidence of any payments that may not have been properly applied. 
Proof that proper procedures were followed If the account was reported incorrectly or prematurely charged off, I request that it be corrected or removed. 
If you can not provide proper documentation proving the accuracy of this charge-off, I request that it be immediately deleted from my credit file with all credit reporting agencies. 

Please consider this letter as a formal dispute under the FCRA. I request a written response within 30 days of receipt of this letter. If you fail to provide evidence supporting the validity of this charge-off, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC ). 

I appreciate your prompt attention to this matter. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation