vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: TX

Complaint narrative:
Account KIKOFF LENDING LLC # XXXX, I am unaware of this debt and did not have the opportunity to dispute this account. Please provide " certified mail '' with a receipt displaying my signature. If not, please delete this account # XXXX for the original creditor KIKOFF LENDING LLC, as soon as possible from my credit report, or I will take legal action according to my rights under the FAIR CREDIT REPORTING ACT, specifically 15 U.S. Code ( s ) 1681i.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
I am a victim XXXX XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I previously submitted a CFPB complaint against Midland Credit Management on XX/XX/year> ( Complaint ID : XXXX ) for illegal debt collection and credit reporting practices regarding an alleged XXXX account XXXX Despite that open and active complaint, Midland has continued to take further negative actions against me. 

On XX/XX/year>, the same day the complaint was filed, Midland updated the collection balance again on my TransUnion credit report, increasing the total owed and maintainingt a derogatory status. The increase in balance directly matches the amount associated with the specific account already under CFPB complaint ( XXXX Account # XXXX ). 

This confirms that Midland is targeting the exact same account currently under federal investigation, and is willfully continuing to harm me through further updates without resolving or validating the debt as legally required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
b'Dear Sir or Madam,\n\nI am submitting this complaint regarding my ongoing difficulties in transferring funds from my U.S.-based checking account with JPMorgan Chase Bank to my personal bank account in XXXX\n\nDespite repeated identity verifications over the course of several months  including verification via the Chase app, full disclosure of my account number, card number, ATM PIN, date of birth, and even my passport number  my wire transfer requests continue to be blocked.\n\nI have contacted Chase multiple times via phone and through the secure message center within the Chase app. On at least two occasions, I went through the entire wire transfer process step-by-step with a Chase representative, only for the transfer to be blocked again. I have been repeatedly redirected to the Electronic Money Movement Department, but even there, no resolution has been provided.\n\nThe response I receive is always the same: I need to call again. This endless loop has become unacceptable, particularly given that I now live outside the United States and cannot resolve this issue in person.\n\nAt this point, I am simply trying to access and transfer my own legally held funds. The ongoing delays and lack of resolution are causing financial and emotional distress.\n\nMy contact details are as follows:\nJXXXX XXXX XXXX XXXX XXXXnPhone: XXXX XXXX XXXX\n\nI respectfully ask the CFPB to review this matter and assist me in resolving it.\n\nThank you for your attention.\n\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
Please see attachments. 

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing an inaccurate apartment balance being reported by National Credit Systems on my XXXX  credit file. I moved out of the apartment located at XXXX XXXX XXXX XXXX in XX/XX/XXXX and submitted my notice to vacate. I was later informed that a third party disputed my final two rent payments, leaving me with a balance I was unaware of. Because I received the notice late, I could not repay the full amount in time. 

Ive disputed this through XXXX six times : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also mailed a certified dispute letter before XXXX XXXX and filed a prior CFPB complaint. Despite all this, no documentation has ever been provided to validate the debt. 

On XX/XX/XXXX, Experian confirmed that the account would remain. Two days later, they told the CFPB the investigation was still open. That contradiction is misleading and dishonest. XXXX XXXXwn records label the address as a hotel/business, not a personal residence. This balance is unverified, inaccurate, and is now interfering with my ability to secure housing before my lease ends on XX/XX/XXXX. I am requesting the immediate removal of this account for failure to verify and continued FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
15 u.s code 1692g. I request for the original flow agreement. The ownership of the debt. The transfer of assignment. The bill of sale. A signature with my name on it that I have sign with portfolio recovery on if

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have a collection item on my credit that is not mine. 
I believe my information was given to a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TN

Complaint narrative:
I'm writing to formally dispute inaccurate information on my credit report that is hurting my financial well-being. I'm aware of my rights under the Fair Credit Report Act and request a thorough investigation into these inaccuracies as required by federal law. For all 3 TransUnion, Equifax and Experian

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 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I lost that credit card. Someone use it and now they want to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
I discovered that someone used my personal information without my permission to open one or more accounts in my name. I did not authorize these accounts or any transactions associated with them. I first became aware of the identity theft when I noticed unfamiliar charges and accounts on my credit report and/or received communication regarding accounts I did not recognize.

I have never opened or used these accounts, and I do not know who accessed my information or how they obtained it. I have contacted the companies involved to report the fraud and request that these accounts be closed and removed from my credit file.

This fraudulent activity has negatively affected my credit and caused me stress and inconvenience. I am submitting this Identity Theft Report to document the theft and to request that the fraudulent information be blocked from my credit report in accordance with my rights under 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 2025-06-14 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: SC

Complaint narrative:
I discovered that someone used my personal information without my permission to open one or more accounts in my name. I did not authorize these accounts or any transactions associated with them. I first became aware of the identity theft when I noticed unfamiliar charges and accounts on my credit report and/or received communication regarding accounts I did not recognize.

I have never opened or used these accounts, and I do not know who accessed my information or how they obtained it. I have contacted the companies involved to report the fraud and request that these accounts be closed and removed from my credit file.

This fraudulent activity has negatively affected my credit and caused me stress and inconvenience. I am submitting this Identity Theft Report to document the theft and to request that the fraudulent information be blocked from my credit report in accordance with my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MA

Complaint narrative:
I am disputing the continued and inaccurate reporting of multiple accounts on my credit report, all of which contain serious factual errors and legal violations that have gone unresolved despite previous disputes. Below are the accounts in question : XXXX XXXX XXXX ( XXXX ) Reporting a late payment on an account associated with identity theft ( police report on file ). The balance is inflated and unverified, violating FCRA 1681e ( b ) and 1681s-2. 

XXXX ( XXXX XXXX Reports a late payment on a {$0.00} balance, which is materially misleading under Metro 2 guidelines and FCRA 1681e ( b ). 

XXXX XXXX XXXX. XXXX ( XXXX ) A collection account tied to identity theft. I filed a police report, and this should be blocked under FCRA 605B within 4 business days of my dispute per 1681c-2. 

XXXX XXXX ( XXXX ) and XXXX ( XXXX ) These appear to be duplicate charge-offs. The reported balances are inflated beyond the forgiven amount shown on the IRS 1099-C form I received, violating FCRA 1681e ( b ) and Metro 2 guidelines for post-cancellation balance reporting. 

XXXX  XXXX XXXX ( XXXX, XXXX, N/A ) Three charge-off entries with conflicting balances. None match the IRS 1099-C cancellation values. These are either duplicates or contain false balances, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

XXXX ( XXXX  ) This charge-off balance also exceeds the amount canceled per 1099-C. Reporting remains inaccurate despite my prior dispute, violating FCRA 1681i. 

XXXX XXXX XXXX ( XXXX ) This account is reported as a charge-off following an auto repossession. The balance does not match the amount canceled via IRS Form 1099-C , and no post-repossession notices were issued per UCC 9-611 and 9-614. This violates FCRA 1681e ( b ) and state/federal repossession notice laws.

Despite filing prior disputes, these furnishers have failed to perform reasonable reinvestigations as required under FCRA 1681s-2 ( b ). Continued reporting of these errors constitutes willful noncompliance under FCRA 1681n and 1681o.

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 2025-06-14 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: MA

Complaint narrative:
I am disputing the continued and inaccurate reporting of multiple accounts on my credit report, all of which contain serious factual errors and legal violations that have gone unresolved despite previous disputes. Below are the accounts in question : XXXX XXXX XXXX ( XXXX ) Reporting a late payment on an account associated with identity theft ( police report on file ). The balance is inflated and unverified, violating FCRA 1681e ( b ) and 1681s-2. 

XXXX ( XXXX XXXX Reports a late payment on a {$0.00} balance, which is materially misleading under Metro 2 guidelines and FCRA 1681e ( b ). 

XXXX XXXX XXXX. XXXX ( XXXX ) A collection account tied to identity theft. I filed a police report, and this should be blocked under FCRA 605B within 4 business days of my dispute per 1681c-2. 

XXXX XXXX ( XXXX ) and XXXX ( XXXX ) These appear to be duplicate charge-offs. The reported balances are inflated beyond the forgiven amount shown on the IRS 1099-C form I received, violating FCRA 1681e ( b ) and Metro 2 guidelines for post-cancellation balance reporting. 

XXXX  XXXX XXXX ( XXXX, XXXX, N/A ) Three charge-off entries with conflicting balances. None match the IRS 1099-C cancellation values. These are either duplicates or contain false balances, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

XXXX ( XXXX  ) This charge-off balance also exceeds the amount canceled per 1099-C. Reporting remains inaccurate despite my prior dispute, violating FCRA 1681i. 

XXXX XXXX XXXX ( XXXX ) This account is reported as a charge-off following an auto repossession. The balance does not match the amount canceled via IRS Form 1099-C , and no post-repossession notices were issued per UCC 9-611 and 9-614. This violates FCRA 1681e ( b ) and state/federal repossession notice laws.

Despite filing prior disputes, these furnishers have failed to perform reasonable reinvestigations as required under FCRA 1681s-2 ( b ). Continued reporting of these errors constitutes willful noncompliance under FCRA 1681n and 1681o.

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 2025-06-14 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: NC

Complaint narrative:
XXXX is reporting late payments to my credit report which is negatively impacting my credit. I have not been late with these affirmative accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
XXXX is reporting late payments to my credit report which is negatively impacting my credit. I have not been late with these affirmative accounts

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 2025-06-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Receivables, Inc.
State: FL

Complaint narrative:
I am writing in regard to an account listed under the name XXXX XXXX that appears on my credit report. I am unaware of this debt and was not given the opportunity to dispute it prior to its reporting.

If you believe proper notification was sent, please provide a copy of the certified mail receipt, including my signature, as proof of delivery. If you are unable to provide this documentation, I respectfully request that you delete this account from my credit report immediately.

Failure to comply may result in further action on my part to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-06-14 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: NY

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 non-monetary relief
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
I recently was looking at my credit report and notice an account that didn't belong to me. This account is XXXX XXXX XXXX ending in XXXX was open in XXXX of XXXX the amount of {$5500.00}. I never open this account with this company and this is 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 non-monetary relief