vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC BANK reported private financial information about me to third parties including but not limited to Consumer Reporting Agencies that is harming me. I am not in receipt of any document which verifies PNC BANK obtained my consent to share my information with third parties including but not limited to any Consumer Reporting Agencies. PNC BANK " Customer Agreement '' has an impaired disclosure, as it fails to disclose the consumers right to direct that such information NOT be disclosed ( opt-In consent ) ; and fails to provide the consumer with instructions on how the consumer could exercise that non-disclosure option as defined by the GLBA 15 USC 6802 The herein mentioned original creditor used deceptive and unfair methods to obtain the consumers ( XXXX XXXX ) consent to disclose private personal non-public financial information to non-affiliated third parties which include but is not limited to XXXX XXXX  and XXXX. After fraudulently obtaining consent, the herein mentioned data furnisher, creditor, then used the consumers identifying information to furnish information to consumer reporting agencies breaching the consumers privacy, to intentionally harm my person to suffer an economic loss. This is Identity Theft and fraud! They are not responding and I am ready to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Disputed Account : - Midland Credit Management - Account Number : XXXX I am submitting this formal complaint regarding the above-listed collection account, which does not belong to me. 
Actions Taken : 1. I sent formal dispute letters to the credit bureaus, notifying them that this account is not mine.

2. I contacted Midland Credit Management directly requesting a full validation and verification of this account.

To date, I have not received any verification or documentation from the collector.

The continued reporting of this unverifiable and inaccurate account is damaging my credit score and reputation.

Applicable Federal Laws : - FCRA 611 [ 15 U.S.C. 1681i ] : Credit bureaus must investigate disputed information within 30 days.- FCRA 609 [ 15 U.S.C. 1681g ] : Consumers have the right to access all information in their credit file.

- FCRA 623 [ 15 U.S.C. 1681s-2 ] : Prohibits reporting inaccurate or unverifiable information.

- FDCPA 809 [ 15 U.S.C. 1692g ] : Debt collectors must provide written validation of the debt upon request.

- CFPB enforcement guidance requires accurate reporting and timely responses by furnishers and collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX of this year XXXX  I realized my TD Bank checking account was unabled, my bank mobile app didnt recognize my credentials and my debit card was unabled too. After calling the customer service number I was told my account was cancelled by the bank and the balance was put in a check and sent by mail to my last registered address. I explained to the executive in the phone that I never received any notification about the cancellation and also I was just moving to a different house in a city where TD bank has no branches or stores so, my address was in the process to be changed and I wasnt able to updated by the mobile app or the website because of the unabled credentials issue. By phone the bank insists me to wait for the check with the amount of money I have in my frozen/cancelled account, but they dont know either the address where it was sent to, or the date when they sent it or even the date when I can get my money back. I had the chance to visit a store in NY on XX/XX/XXXX but they also refuse to give me my money because the check was already issued by the company so that is the only way to get the money. 
After a month I still have expenses to pay, rent, groceries and all kind of daily things and they dont care about it, all my money was there and I used to get my paycheck there too. This situation delayed my paychecks deposit so Ive used almost all my credit line on my credit cards to survive and, because I didnt get my paycheck on time and have no more money I havent been able to pay the full statement balance on my credit cards impacting negatively on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-10 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: LA

Complaint narrative:
IMMEDIATE ACTION DEMANDED : As a documented victim of identity theft and data breaches ( see attached FTC Report # XXXX, XXXX XXXX breach records, and all regulatory complaints ), I DEMAND immediate, permanent deletion and blocking of the following accounts and all related negative data. This is my 3rd immediate deletion command, after multiple disputes since XXXX 2025 and escalation to the CFPB. Failure to comply will result in immediate court action for max statutory/punitive damages. 

FINAL LEGAL WARNING & COURT ESCALATION : If you do not comply within 4 business days, I will immediately escalate this matter to court, seeking maximum statutory and punitive damages for willful noncompliance under FCRA, FDCPA, Truth in Lending, GLBA, and all relevant state and federal consumer protection laws. This is your third and FINAL notice. Continued reporting or any form of retaliation will be met with immediate legal action.

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 2025-07-10 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: LA

Complaint narrative:
IMMEDIATE ACTION DEMANDED : As a documented victim of identity theft and data breaches ( see attached FTC Report # XXXX, XXXX XXXX breach records, and all regulatory complaints ), I DEMAND immediate, permanent deletion and blocking of the following accounts and all related negative data. This is my 3rd immediate deletion command, after multiple disputes since XXXX 2025 and escalation to the CFPB. Failure to comply will result in immediate court action for max statutory/punitive damages. 

FINAL LEGAL WARNING & COURT ESCALATION : If you do not comply within 4 business days, I will immediately escalate this matter to court, seeking maximum statutory and punitive damages for willful noncompliance under FCRA, FDCPA, Truth in Lending, GLBA, and all relevant state and federal consumer protection laws. This is your third and FINAL notice. Continued reporting or any form of retaliation will be met with immediate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am complaining about the Chase Bank employee of Chase Bank XXXX XXXX, Texas : XXXX XXXX I have personal account and business account with chase bank, I tried to walk in to 2 branches in XXXX and XXXX XXXX several times to inquire about account and procuts on all these occasionans in middle of the day there were no employess available not even the manager, only one employee as cashier and a secuity guard, no one else at their desk, I complained about that to chase bank and inquired if they are all working from home to switch banking and requested no calls for marketing and any correspnodence to be via email as I am working during the day or resting coming back from 36 hr shift despite of my clear instructions. The Chase employees kept calling me, desperately trying to sell their products. When I refused to invest with them, they became aggressive and desperate to access my funds for their investment. They froze my accounts and cancelled my debit card because I refused to invest with them. 

XXXX XXXX called me Monday XXXX XXXX she was rude from the very begining and XXXX calling by my first name, introduced herself as XXXX and told me she wants to talk about investments with her and buying different chase products including CD, when I requsted that she call me by my last name XXXX said she doesnt want bascially she doesnt like it, told her that I specified and put it on my account, not to call me for marketing and that she can email me she said she was aware about that. Still, if I refused to talk to her, then I would need to find another bank. She will close my account. I called Chase to complain about this behavior. The next day, all my personal savings accounts were frozen, and my debit card was cancelled. Hence, XXXX XXXX did everything she had threatened me with because I refused to invest my money with her or discuss her products with her. Less than 12 hours after her call, I got an email about fraudulent behavior suspicion, and that all my accounts were closed and my debit card was canceled This is unacceptable behaviour to disrespect me refuse to address me by my last name, which is XXXX behavior, then aggressive marketing, and when I refused to talk to her, she froze all my accounts, and Chase Bank allowed and accepted this behaviour

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation Details and Method of Verification Under the Fair Credit Reporting Act ( FCRA ) I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued reporting of inaccurate and potentially unverifiable information on my consumer credit report. I am writing on my own behalf as a natural person. 

Pursuant to 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a detailed explanation of the reinvestigation procedures used by the consumer reporting agency in response to my prior dispute. The law entitles me to receive : A description of the procedures used to verify the accuracy of the disputed items The name, address, and telephone number of each furnisher of information that was contacted Any documentation relied upon during the reinvestigation Despite my initial dispute, I have not received this legally mandated information, nor have I received valid proof that the information being reported is accurate. 

Disputed Accounts : XXXX ( Charge-Off ) Account Number : XXXX * * * * XXXX XXXXXXXX ( Charge-Off ) Account Number : XXXX * * * * XXXX XXXX  Charge-Off ) Account Number : XXXX * * * XXXX XXXX  ( Charge-Off ) Account Number : XXXX * * * * XXXXXXXX XXXX ( Collection ) Account Number : XXXX * * * * Inaccurate Personal Information : Employers : XXXX XXXX  ( not accurate ) Employers : XXXX ( not 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 2025-07-10 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 


Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX FIN SV Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : 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 2025-07-10 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-10 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), 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 disputedentries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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