vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: MS

Complaint narrative:
In reviewing my credit reports, I found inaccuracies in the reported late payments for my XXXX XXXX XXXX student loan. 

In XX/XX/XXXX, Experian shows the account as 180 days past due, while both Equifax and TransUnion show it as 150 days past due. The 180day report is incorrect. 

In XX/XX/XXXX, Equifax shows the account as 150 days past due, while both Experian and TransUnion show the account as current with no delinquency.

The 150day report is incorrect. These discrepancies show that the information being furnished is inconsistent and inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute
and request correction of 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing this formal complaint against Midland Credit for unlawful reporting of a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

This collection account is currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA.

Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX  ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. 


Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized [ Debt Collector Name ] to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful.

Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked.

Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: WA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-27 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: NY

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX High Balance : {$2500.00} Account Number : XXXX XXXX  XXXX High Balance : {$680.00} Account Number : XXXX XXXX  XXXX High Balance : {$890.00} Account Number : XXXX XXXX  XXXX High Balance : {$4000.00} Account Number : XXXX XXXX - XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: AL

Complaint narrative:
On XX/XX/XXXX, I disputed that returns and credits from XXXX XXXX were not applied to my XXXX XXXX XXXX XXXX 
XXXX responded by telling me to contact the merchant and did not investigate or correct the account. 
This was a billing error dispute that should have been acknowledged and resolved under the Fair Credit Billing Act ( FCBA ) and Appendix B of their own loan agreement, but it never was. 
As a result, the balance has remained inflated and inaccurate ever since. 

Since that time, the loan was transferred from XXXX XXXX XXXX XXXX to Synovus Bank. 
I have not been provided proof of this transfer or a proper chain of title. 
I specifically requested validation of the alleged account, including a full itemized accounting of disbursements, payments, and credits, proof of electronic assent, and transfer documentation, but none of this information has been produced. 
Without this validation, the account is unverifiable. 

My XX/XX/XXXX loan statement also shows they are still mailing notices to an outdated address in XXXX, AL, even though I have lived at XXXX, AL for two years. 
This servicing failure means I have not reliably received account notices. 

Despite all of these issues, the company continues to furnish this alleged account to the credit bureaus as if it were accurate and valid, and it has not even been marked as disputed. 
This violates their obligations as a furnisher under the Fair Credit Reporting Act ( FCRA ). 
The account information being reported is inaccurate, incomplete, and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I received an Experian email claiming my dispute may not have been authorized by me because I submitted it through the CFPB portal. When I called, Experians representative, XXXX, told me that Experian would deny any dispute filed through the CFPB portal and insisted I must dispute only by phone or through their website portal. They also claimed they could not confirm my identity despite the fact that I submitted identification to them many times and informed the representative that they would be receiving an FTC Identity Theft Report, police report, and more identification. 

The irony is striking Experian claims to be protecting me from fraud, while at the same time allowing a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX tradeline to remain on my report, actively damaging my identity and credit profile. 

This conduct violates FCRA 605B, which requires Experian to block fraudulent information within 4 business days of receiving my documentation. Refusing to honor disputes filed through the CFPB and instead stalling with claims of identity uncertainty is willful noncompliance. 

I demand immediate blocking of the XXXX XXXX XXXX XXXX XXXX XXXX tradeline and an investigation into Experians improper refusal to process my dispute through lawful channels. Experian can not claim to protect me from fraud while simultaneously protecting a fraudulent tradeline. Either you honor the law or you prove my point.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Formal Demand for Complete Resolution Regulatory Complaint Against American Express Dear [ CFPB Case Manager / American Express Executive Consumer Relations ], This letter is in follow-up to my regulatory complaint against American Express . I have been notified that the matter has been referred to the Customer Advocacy Servicing Team. 

While I acknowledge that process, I want to be absolutely clear : a vague or generalized response will not be considered an acceptable resolution. American Express is obligated to provide a complete, evidence-based reply to the issues raised in my complaint. 

Specifically, I am requesting : 1. A full written explanation of the investigation steps taken.

2. Copies of all internal documentation, notes, or records relevant to my complaint.

3. A point-by-point response to each allegation outlined in my filing.

4. The exact policy or contractual basis American Express is relying on in its determination.

5. Details of corrective measures to prevent recurrence of this issue.

Failure to address these points will result in my immediate escalation, including : Continuing to pursue my complaint through the Consumer Financial Protection Bureau, Filing additional complaints with my State Attorney Generals Office, and Exploring civil remedies for damages related to this matter. 

I trust American Express will take this opportunity to resolve the complaint fully and in good faith. Please ensure your final response is comprehensive and supported by documentation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the closure of my prior Chase Bank accounts and the subsequent denial of my ability to open new deposit or credit accounts. I have been a victim of identity theft, and for the past seven ( 7 ) years I have worked diligently to clear fraudulent activity from my records. This has included filing FTC Identity Theft Reports, police reports, and retaining an attorney to represent me in these matters. 
Since the identity theft occurred, I have changed both my residential address and phone number, and I request that my updated contact information be reflected in all Chase systems : Current Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, CA XXXX Current Phone Number : XXXX At present, my XXXX, XXXX, and XXXX XXXX XXXX files have all been cleared of negative items, and my consumer reports reflect no derogatory accounts or closures that would lawfully prevent me from opening a new account or credit line with your institution. 
Despite this, Chase Bank continues to deny me access to banking services, which constitutes an unfair and unlawful restriction under several federal consumer protection statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 1681i and 1681s-2, I have the right to dispute and demand correction of inaccurate or fraudulent information furnished by or relied upon by financial institutions. Since my consumer reporting agencies no longer show negative data, Chase can not lawfully rely on obsolete or inaccurate information to deny me banking services.

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 FACTA specifically protects identity theft victims and provides mechanisms for institutions to honor fraud alerts and corrected records. Continuing to deny me an account due to prior fraud directly violates these protections.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. This requires financial institutions to safeguard consumer information and take reasonable measures to protect victims of identity theft.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Discriminating against me by denying credit and deposit services for reasons unrelated to my present creditworthiness constitutes unlawful discrimination. 
Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB guidance makes clear that institutions can not indefinitely restrict consumers who have resolved prior fraudulent incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian again ignored my pleas, as a mother, alarmed and outraged by the fraudulent accounts and unauthorized hard inquiries that remain on my Experian credit report. Despite my repeated disputes, identity theft report, and supporting documentation, Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681c2, you are required to block information resulting from identity theft within 4 business days once provided with proof of identity, an identity theft report, and identification of the fraudulent items. I did my part. You did nothing. 

The following fraudulent accounts and inquiries remain on my Experian file : Please remove unauthorized and fraudulent inquiries and accounts. 

Accounts : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$930.00} Inquiries : XXXX XXXX XXXX XXXX  - XXXX Experians refusal to block and delete these items is not only an FCRA violation but also a deceptive practice under Section 5 of the FTC Act ( 15 U.S.C. 45 ). You know XXXXXXXX XXXX XXXXXXXX XXXX reported dates and balances are inaccurate, yet you continue publishing them, damaging me and profiting off my suffering. 

Immediately delete the above accounts and inquiries. Provide written confirmation within 4 days. In addition, remit {$1000.00} per violation as statutory damages under 15 U.S.C. 1681n to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-08-27 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: NY

Complaint narrative:
I have not granted permission for this inquiry, nor did I communicate with the lender on the specified date.

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 2025-08-27 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: FL

Complaint narrative:
I am disputing to you as a consumer who has always strived to maintain honest and accurate credit history. Unfortunately, my recent credit reports have reflected a number of accounts, charge-offs, collections, and inquiries that I firmly believe are inaccurate, incomplete, or not legally verifiable. These negative items are causing me great hardship and are not in compliance with the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information I believe to be inaccurate. Accordingly, I am requesting reinvestigation and deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} In addition, there are charge-off accounts listed with balances above {$600.00}. Under federal law, creditors issuing cancellations of debt exceeding {$600.00} are required to provide an IRS Form 1099-C. Since no such form has been issued or provided, these entries can not be legally verified and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$600.00} I also dispute the following collection accounts. Under FCRA 605B / 15 U.S.C. 1681c-2, information that results from identity theft, misrepresentation, or unauthorized activity must be blocked from consumer reports upon proper notice. These collections are inaccurate, unauthorized, and must be deleted immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} Furthermore, my report reflects inquiries that were not authorized by me. These inquiries are not permissible under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and reporting them without a permissible purpose is a violation of FCRA 619 15 U.S.C. 1681q. I request their immediate deletion : 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

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 2025-08-27 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: PA

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. I did not authorize these inquiries, nor did I provide consent for these companies to access my credit file. According to the Fair Credit Reporting Act ( FCRA ), any inquiry made without my explicit consent must be removed from my credit report. Furthermore, any credit inquiry made without my knowledge or permission constitutes fraud under the FCRA and represents unauthorized access to my personal information. FTC REPORT NUMEBER XXXX The inquiries in question are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-27 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:
I just saw an unauthorized inquiry on my credit report this morning, and Im extremely frustrated. I reviewed my report as usual, and suddenly there was a discrepancy. Refreshing my browser didnt fix it, so I need the documents I submitted to be checked thoroughly immediately so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NC

Complaint narrative:
I have received maybe 10-15 texts from an XXXX area code phone number asking to call a number or click a link to resolve a debt. The number claims to be from Unifin, but does provide any information about the original creditor. I am almost positive these texts are a scam. I have received no debt notices in the mail. I am providing screenshots of two of the texts I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. Cloud, MN XXXX Re : Failure to Provide Debt Validation Violation of FDCPA To Whom It May Concern, On [ date you sent your original request ], I sent Jefferson Capital Systems a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). To date, you have failed to provide the documentation required by law to validate the alleged debt.

Specifically, you have not provided : A copy of the original signed agreement or contract creating the alleged obligation. 

An itemized accounting of the amount you claim is owed. 

Documentation establishing your legal right to collect on this account. 

Despite your failure to validate this debt, you have continued collection activity and/or credit reporting. Such actions constitute a clear violation of the FDCPA, which prohibits any collection activity until the requested verification is provided. 

Accordingly, I demand that Jefferson Capital Systems immediately : Cease all collection efforts on this account until proper validation is furnished. 

Remove any and all negative credit reporting related to this account until validation is provided. 

Provide the complete documentation outlined above within 15 days of receipt of this letter. 

If you fail to comply, I will have no choice but to escalate this matter. This will include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and pursuing all legal remedies available to me under federal and state law. 

This letter serves as your final notice. Your continued noncompliance will not be tolerated.

Company response to consumer: Closed with explanation