vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
Midland credit managment called me I requested information they told me they didnt have to validate. It has been already verified in dispute I placed because my address matched. I disagreed. I requested debt validation not verification of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 formally request that you immediately block the reporting of a fraudulent account that has appeared on my credit file. This situation has caused me serious concern and distress, as I have always taken great care to protect my personal and financial information. Under FCRA 605B, I have the right to have any information resulting from identity theft promptly blocked from my credit report. In addition, FCRA 609 ( a ) ( 1 ) gives me the right to full disclosure of all information in my credit file so I can identify and address any fraudulent activity. FCRA 611 ( a ) ( 1 ) requires that credit bureaus conduct a reasonable investigation when a consumer disputes inaccurate or fraudulent information. FCRA 611 ( a ) ( 5 ) ( A ) also mandates that unverifiable or fraudulent data be permanently blocked from a consumers file after investigation. Finally, FCRA 1681e ( b ) obligates credit bureaus to ensure maximum possible accuracy in all reported information. I am therefore exercising my rights under the FCRA and requesting that this fraudulent account be blocked immediately and that written confirmation be provided once the action is complete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
I am Submitting this complaints to formally dispute several items appearing on my credit report that do not accurately represent my financial history. After careful review, I discovered that certain closed accounts, such as those with ROUNDPOINT and XXXX XXXX, are being reported with late payments despite being fully satisfied and reflecting a XXXX balance. Additionally, a XXXX XXXX account is listed as a charge-off even though no outstanding balance remains. Such reporting creates a false impression of delinquency that does not exist. 
Further, I have identified inquiries from XXXX XXXX, specifically dated XX/XX/XXXX and XX/XX/XXXX, that appear questionable and potentially unauthorized. I do not recall granting permission for these credit pulls, and as such, I am requesting verification of their legitimacy and permissible purpose.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), is required to ensure that all information contained in consumer reports is reported with the maximum possible accuracy. Reporting late or derogatory information on closed accounts with XXXX balances clearly violates that standard. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ), I am requesting a reasonable reinvestigation of these accounts and inquiries to verify their accuracy and legitimacy.

Additionally, 15 U.S.C. 1681b ( a ) mandates that consumer credit inquiries must be made only for permissible purposes. If can not confirm that the XXXX XXXX inquiries on the dates noted were lawfully authorized, they must be deleted immediately from my credit file.

Lastly, as stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item found to be inaccurate, incomplete, or unverifiable must be promptly removed within the timeframe required by law.

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 2025-10-23 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: NV

Complaint narrative:
I was XXXX yrs old when this account was open. I had another XXXX  XXXX when I was XXXX they deleted it but this account they won't delete. I was still a minor. Experian refusing to remove it. They have my ID i was born in 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 2025-10-23 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: TX

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: MA

Complaint narrative:
I was hoping to succeed in being in the academy and hopefully make a career out of it. but recently I've been having a hard time paying off my loan and I'm still in debt by it and the CEO seems to be neglecting peoples requests and even when he replies he asks harsh towards them and bans them or kicks them out, it happened to one of my friends i wasn't able to see the red flags before since i was more focused on progressing than seeing what's going on. I want to request a refund and to void my loan but I'm worried that i still owe a huge amount of debt from not paying on time despite having a hard time saving up. XXXX who's the CEO has violated the Student Services Agreement and haven't got the services and purchases I've been promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was scammed for bitcons on cashapp for {$400.00} dollars & cashapp would jot help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Gm ( general motors ) refused a loaner vehicle of any type while repairs were made on a truck still under warranty for a transmission issue. I was forced to keep driving the truck to keep paying my bills. The trucks transmission eventually quit. In turn I've lost my job and the truck has now been repossessed. GM will not communicate with me and gm customer care has closed my service ticket with them with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I made an ATM deposit at the Truist Bank branch in XXXX XXXX, Florida, in the amount of {$1600.00}, which was my paycheck from my employer. The ATM receipt and confirmation email I received from Truist stated that the funds would be available in my account on XX/XX/year>, due to the deposit being made over the weekend. 



When I called on XX/XX/year>, a bank representative informed me that the funds would be available that same day ; however, the funds were not released. I called again on XX/XX/year>, and was told the funds would be available on XX/XX/year>, but once again, that did not occur. Upon calling the bank a third time, I was then told that my check would be placed on hold until XX/XX/year>, and the funds would not be released until XX/XX/year>. 



No one was able to provide a clear explanation for the extended hold. I was advised to visit the branch where I made the deposit, but the teller there stated that nothing could be done at the branch level and instructed me to contact customer service. Despite explaining that my family was depending on these funds for bills and the needs of my two-month-old daughter, the only response I received was, Sorry about that.

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have invalid credit collections sold to third party vendors and I need it cleared unless proven that the debt does in fact belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have had my JP Morgan Chase Freedom Card since XXXX and due to a wrongful arrest, I had temporarily lost a major source of income preventing me to pay the card. I explained to Chase the situation and they offered me a payment plan to pay them {$250.00} every two weeks to keep the account open. During the time my main source of income was suspended by the employer, I obviously had trouble making those payments. I constantly kept contact with JPM Chase to explain the situation to make the payments and now as the payments were being made, they apparently closed my account without mu knowledge, no letter. I learned the account was closed today when I called Chase to find out my next payment to get money ready for it. As they led me down the primrose path and closed my account without warning, I canceled the rest of my payments and ordered their collections department to CEASE AND DESIST all communications and warned them that if they decide to file a lawsuit, I will file complaints against their attorneys to the Indiana Supreme Court Judicial Disciplinary Commission and would go after their law licenses. As Chase did not keep up their end of the contract, I claim that there was a breach of contract and would like all payments I made back or my account reopened and if they reopen the account, I will continue to make payments. If not, I want all payments made to be returned to me. I would like this complaint to also go to the FTC and other bank regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i don't have knowledge of this account i need it to be delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
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 2025-10-23 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: CO

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXXXXXX XXXX XXXXXXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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