vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> World Finance XXXX XXXX XXXX XXXX, South Carolina XXXX Re : Request for Debt Validation Account No : XXXX Dear World Finance, I am responding to your claim regarding an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I request that you provide validation of this debt. 
Please provide the following : XXXX. The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 
XXXX. The name and address of the original creditor. 
XXXX. Proof that I am legally obligated to pay the debt, such as a copy of the original signed agreement. 
XXXX. XXXX that you are licensed to collect debts in my state, including your license number. 
XXXX. Documentation showing that you have been assigned or purchased the debt and are legally entitled to collect it. 
Be advised that until you provide this information, you must cease all collection activities and communication regarding this account, except to provide the requested validation. 
If you fail to provide proper documentation, or if you continue collection activity without validation, you will be in violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
In XX/XX/XXXX, I reviewed my XXXX  credit report and found multiple inaccuracies, including XXXX accountsXXXX XXXX XXXX ( opened XX/XX/XXXX, reported XX/XX/XXXX, last activity XX/XX/XXXX, showing as Collection/Chargeoff with a {$0.00} balance but previously {$35000.00} ) and XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, reported XX/XX/XXXX, last activity XX/XX/XXXX, listed as Collection/Chargeoff with a {$1000.00} past due amount against a {$650.00} limit ) that I dispute as incorrect. These errors are harming my ability to obtain financing, such as a mortgage or better credit terms. I formally requested that Experian verify these accounts with documented proof under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX compliance standards, and relevant case law ( XXXXXXXX XXXX  XXXX, XXXX ), and if they can not provide such proof, to delete the accounts immediately. I also asked that any inaccurate personal information, such as incorrect names and addresses, be removed so my credit file reflects only accurate data.

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 2025-09-08 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: TX

Complaint narrative:
My personal credit reports have addresses on them that I did not live at or recognize as well as several inquires that do not correspond with open accounts I do have, obviously these inquires I do not recognize because I did not make them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal credit reports have addresses on them that I did not live at or recognize as well as several inquires that do not correspond with open accounts I do have, obviously these inquires I do not recognize because I did not make them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the late payment history reported on the above-referenced account. My records reflect timely payments, making the reporting inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This happened twice in recent years. This time, I got a push notification that asked me if I were at a counter of the bank. I clicked no immediately. Since this message is so odd. I login to my app to check the status of my chase checking account. Seeing a {$2800.00} transaction that I cant recognize. Called chase fraud protection right away. They told me theres nothing I can do. They will have to wait the transaction being posted to act. And I asked them if I can freeze/lock the account, they told me no, because that only locks my debit card, not my checking account. They told me again that only thing I can do is wait until the transaction being processed to start a case. Then around an hour later I got another notification that there was another transaction of {$1800.00} that I cant recognize. And I called chase again, and they told me the same thing the first time. Then I feel that I cant risk the rest of my money in chase checking account being hacked. So I had to transfer most of the money to my husbands checking account to keep the safe. 

The other time happened a year before, our joint account had the exact same issue. Took us weeks to get our money back, but had to close that joint account with chase. 

Overall, chases effort on prevention of this is extremely poor. And the transaction still happened even though I hit no to the push notification. This really needs to be addressed quickly and properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has many late payments on my credit report that are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I deal with XXXX XXXX. I have their XXXX, Last Four Numbers XXXX. I also have a Checking Account and a XXXX XXXX account with them. When I set it up, I put it on XXXX XXXX to my Checking Account. I stopped at their branch in XXXX XXXX XXXX, MN. I asked that they change my Auto Pay from my checking account to my XXXX XXXX account. They took care of it. When I get the statement, it shows that there are Late Fee Penalties of {$25.00}, and interest due in the amount of {$8.00}. After making many phone contacts and be run in circles from department to department, they said they were reversing the Late Fees, but refuse to reverse the Interest. I have a good credit score. I have never had a late fee. If this incident effects my credit score I intend to get an attorney and see what money I can get for Punitive Damages.

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
Consumer complaint received 2025-09-08 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to formally dispute the reporting and collection activity related to the account referenced under LNLV XXXX XXXX in the amount of {$1200.00}. I did not grant authorization, consent, or permission to disclose, transfer, or assign my personal or account information to any third-party collection agency. 

Such disclosure was made without my knowledge or consent, and I contend that it constitutes an unauthorized release of my private financial information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and other applicable privacy and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I have been repeatedly contacted by Radius Global Solutions ( XXXX, Reference # XXXX ) about an outstanding debt from a company which we did not purchase anything from nor have we visited it ( XXXX  ), and I have repeatedly stated that this is not our debt, and that we would contest any effort to collect, and asked for more information so that we could see proof of debt, the company refused to provide information without my providing social security number, which I flat our refuse to do. However, they continue to call and attempt to harass me into payment without providing details or acknowledging our dispute and contestation of any such debt. Please help.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled all three credit reports and they all have different scores, inaccurate information and lists old phone numbers and addresses that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled all three credit reports and they all have different scores, inaccurate information and lists old phone numbers and addresses that need to be removed.

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 2025-09-08 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: TX

Complaint narrative:
I submitted a formal dispute to the XXXX XXXX XXXX on [ insert date ] regarding inaccurate late payment remarks on my credit report. 
The account ( XXXX ) I disputed are : OFFICE OF THE ATTY XXXX Account XXXX XXXX Late payment ( XXXX ) reported on XX/XX/year> XXXX  XXXX XXXX Account XXXX XXXX Late payment ( XXXX ) reported on XX/XX/year>XXXX XXXX  Account XXXX XXXX Late payment ( XXXX ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA XXXX ( Section XXXX ) As of today, over XXXX  days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

Company response to consumer: Closed with non-monetary relief