vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing this formal complaint to report serious misconduct and possible illegal activity by 2 repo agent who came to my property in Colorado on XX/XX/year>XXXX  roughly around XXXX. 

The individuals, who refused to provide their names or companys affiliation, arrived at my home and falsely stated that I would be arrested on Monday if I did not surrender my vehicle. When I asked for identification or documentation, the 2 repo agents declined and continued to use threatening and harassing language.

The agents then unlawfully entered my garage without my permission and visually inspected my vehicle a clear violation of my rights and of Colorado law. After I went back inside, the repo agents disclosed false and private information to two landscaping workers ( who were unrelated to me and had no involvement in the situation ), claiming I would be arrested and that they were repossessing the vehicle. The workers asked the agent to leave the property.

I have video evidence of this incident, which clearly documents the agents unlawful conduct, trespassing, and inappropriate disclosure of personal information. 

I believe these actions violate both : Colorado state laws governing lawful repossession and trespassing, and Federal consumer protections under the Fair Debt Collection Practices Act ( FDCPA ) In addition to this formal complaint, I am : Filing a police report with local law enforcement Seeking legal counsel to explore possible civil remedies and damages related to this incident I am also willing to provide video evidence and witness statements to assist in your investigation. I will also be submitting a second complaint following this one for the same repo company who reposed my husbands truck 30 minutes after this event happened.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: OH

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 explanation
Consumer complaint received 2025-04-25 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-04-25 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My sofi card was on autopay in XXXX and I switched the payment source but they kept trying to take the money from the old source. I called when I saw that it was on my report and they said it was an error on their end and I asked if they could correct the reporting and I was told to dispute it on XXXX XXXX XXXX XXXX and they would fix the issue. I did that and i was told the bureaus responding with it being accurate. I have tried to get this corrected but have been given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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

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 2025-04-25 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: PA

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

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 2025-04-25 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:
Complaint Update TransUnion ( Case # XXXX ) I am submitting an update to my complaint regarding TransUnions continued inaccurate and unverifiable reporting of a XXXX  XXXX bankruptcy furnished by XXXX XXXX XXXX ( XXXX ). 

On XX/XX/year>, I sent a certified final legal demand letter to TransUnion ( Tracking # XXXX ) formally disputing the bankruptcy record and requesting immediate deletion. TransUnion responded on XX/XX/year>. However, they failed to conduct a lawful reinvestigation. Their letter again claimed the bankruptcy was verified as accurate without providing court-certified documentation, independent verification, or Metro 2compliant evidence. 

TransUnion continues to rely solely on information furnished by XXXX, which has admitted in CFPB Complaint # XXXX that they can not amend, delete, or verify the record and that their data sources are third-party vendors, not court-certified records. 

This constitutes : Violation of FCRA 1681i ( a ) : Failure to conduct a reasonable and independent reinvestigation after receiving a direct certified dispute. 
Violation of FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

Violation of FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable information after a consumer dispute. 
Potential violation of FCRA 1681n : Willful noncompliance with FCRA dispute obligations.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XXXX XXXX, 2025 I sent the collection agency a Formal Dispute of Alleged Debt and Request for Validation Under the FDCPA and FCRA. A copy was also sent to XXXX XXXX XXXX XXXX.

To my knowledge, I was never notified by the original creditor that this debt was being transferred or sold to the collection agency. As a result, I was denied my right to address or resolve this matter before it impacted my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The collection account owned by XXXX XXXX XXXX that only appears in my Equifax credit report was previously removed from my credit report in XXXX for fraud. However, this account was reinserted into my Equifax credit report without my knowledge. Under current FCRA Laws, if a previously removed account is reinserted into a credit report the owner of said report must be notified within 5 days of its reinsertion. This never occurred, I was never told that this account was reinserted into my credit report approximately one year after it's removal. For this reason, alone, this account should be deleted from my report. However the additional information I'm about to provide gives more merit to the fact that this is a fraudulent account. In my current credit report of XX/XX/XXXX, there is no original account holder 's name, date of opening or any such pertinent information that would be helpful and identifying who this account belongs to. After my investigation I came to find that the original creditor was XXXX, XXXX. XXXX, XXXX, has never appeared on my credit report as my having an account with them. This account was later charged off and sold to XXXX for collections. This collection agency also never appeared on my credit report. If XXXX or XXXX did appear at one point they were removed as being fraudulent accounts and as such the same needs to happen with XXXX XXXX XXXX. One of The Tell-Tale signs of an account being fraudulent is that the original creditor will never appear on my credit report these accounts only appear when charged off, written off and sold to a collection agency and the same applies here. For this reason in addition to the reasons I have given in the aforementioned description this account needs to be deleted from my credit report permanently. Equifax has disregarded FCRA laws, rules and regulations, and has simply chosen to ignore all FTC reports, identity theft reports and obvious fraudulent activity, along with many other disturbing actions,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX Chime illegally closed my account when I made an error present to them. This occurred with them mishandling and processing that claim illegally to the point where they stole my money from me. In order to save themselves they thought closing my account was ideal even though Ive been a loyal customer since XXXX. Some employees of this company need proper training or they need to be eradicated for their careless business tactics. Do better. I am 100 % getting my money back and XXXX pursue more for damages they have caused. You guys are not above the law by any means

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-25 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: WY

Complaint narrative:
In XX/XX/year>, I started selling on behalf of my US-registered company through my XXXX XXXX. I used the Clover system as my payment infrastructure. A total of {$200000.00} USD worth of transactions were made through Clover. Although all sales and payments were visible in my Clover dashboard, this amount was never paid to me. 

Clover later stated that this account was a test account and that no payment would be made. However, this amount was collected from real customers through real sales and was successfully processed through the Clover system. 

XXXX, on the other hand, states that I connected Clover as the payment infrastructure and that they were not involved in these payments. 

Despite my repeated support tickets, e-mails and documentation to Clover, I did not receive any clear response. Various channels were tried, including Clover technical support, finance unit and executive resolution teams. 

As a result, the {$200000.00} USD that was transferred to the Clover system was not paid to me and no responsible party can explain where this money is. 

This situation has caused serious victimization not only financially but also as a consumer. 

I am also attaching screen shots and necessary documentation regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone that was living in my home stole my information and opened an account with commenity bank for XXXX XXXX I assume they started paying some of the bill while living with me so I wouldnt find out about the bill. When I evicted the person from my home I started receiving bill statements and phone calls and reported or disputed this charge of {$1600.00} to the 3 credit bureaus but they confirmed it was my account because I dont have a police report because after the person left my home I no longer knew their whereabouts and to make matters worse I didnt even have his real name

Company response to consumer: Closed with explanation