vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I requested debt validation and the information provided to me is insufficient to legally validate the debt, The debt is to the best of my knowledge not mine. It is definitely inaccurate and damaging my credit score, which is preventing me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
" 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX this account for a while, paid interest since opening, paid minimum always, and made a major payment last week. Chase got the payment, and close the account, and refused to refund the payment saying now the account is closed. NEVER sauid anythign about closing this account, since I made payemts towrds the balance and always with hight interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has my credit blocked and feeeze and I cant do anything to change because its impossible to login my account they didnt found me but when in stqrt a new account they said that i already have an account with my credentials so nothings happen and try to cal to XXXX different number of customers service and nothing the automated message stays in a round asking the same evwry minutes! 
Need to unlock my credit equifax also experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ) are incorrect and not associated with me.

Let me be clear : I never used those name variations, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading but also affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

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 2025-08-12 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: MS

Complaint narrative:
Re : Formal Dispute of Inaccurate Late Payment Reporting Student Loan Account [ Account Number ] To Whom It May Concern, I am formally disputing the inaccurate and misleading late payment information being reported on my student loan account in violation of the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ), the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., the Family Educational Rights and Privacy Act ( FERPA ), and XXXX XXXX reporting guidelines. 

According to my credit report, the following months are inaccurately reported as delinquent : XXXX : XXXX ( 90 days late ), XXXX ( 120 days late ), XXXX ( 150 days late ), XXXX ( 180 days late ), XXXX ( 180 days late ) XXXX : XXXX ( 90 days late ) These entries are inconsistent with the months immediately preceding them, which were reported as current and accurate with on-time payments. The abrupt change to severe delinquency without factual basis contradicts my actual payment history and fails to meet the accuracy, completeness, and timeliness requirements under XXXX XXXX compliance. 

Additionally, XXXX  has already completed an investigation and determined this account could not be verified, resulting in its deletion from my XXXX  credit report. This directly confirms that the current reporting with your bureau is unverifiable and must be removed under 15 U.S.C. 1681i.

This conduct constitutes willful and negligent noncompliance with 15 U.S.C. 1681n and 1681o. Furthermore, under FERPA, my student loan data is protected educational record information and can not be misrepresented or inaccurately disclosed.

Demand for Action : I hereby demand that you : Immediately investigate and remove all inaccurate late payment entries listed above.

Update the account status to Paid as Agreed for all disputed months.

Provide me with a full description of your reinvestigation process as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. Your continued reporting of these inaccuracies after notice will be documented as evidence of willful noncompliance.

This letter is being sent via Certified Mail to establish proof of delivery. You have 30 days from receipt to respond in full as mandated by federal law. 

Sincerely, 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
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 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: GA

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 


XXXX  - XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to [ credit bureau ] for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-11 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 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 2025-08-11 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-11 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: WA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$150000.00} {$140000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$100000.00} {$70000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bank frozen my account using its XXXX  department ( # # XXXX ) because i dont have SSN/ITIN and its threatening me to close my 360 checking? account by XXXX if I dont provide a SSN/ITIN. 

First of all, its not a 360 checking, its a Simply checking account wich have different terms of service, I opened it in XX/XX/year> when SSN/ITIN was not mandatory. 

Last year I had SAME ISSUE with bank, they resolved in my favour and allowed me to keep my account as i opened it before SSN became mandatory, so I need that you please respect previous approval to keep account open as I am not US resident so I am not able to get ITIN before XXXX, and also I have a huge money frozen inside right now. 

Attached last year company letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XX/XX/2025 Midland Credit Management XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX MI, XXXX RE : Cease and Desist 15 U.S.C. 1692c ( c ) For Account # XXXX To Whom It May Concern : This letter serves as my formal demand, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, that you immediately stop all communication with me regarding the alleged debt you claim I owe.

You may contact me only to confirm you will stop contacting me, or to notify me of specific legal action you intend to take. Any other communication will be treated as a violation of federal law, and I will report it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

This notice is sent via certified mail and is effective upon your receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase continues to overlook the severity of their actions, and as a consumer I find these actions both sickening and flagrantly negligent. Regardless of what those working for this company are instructed to say, according to the FDCA their attempts of collecting a debt charged to me are in complete violation and they, everyone involved, must be held accountable. As I have documented numerous times, and there is an extensive record on the CFPB portal ; the debt charged to me was due to a fraudulent attempt that with Chases help ( whether they realize it or not ) was allowed to take place. Even when I had given the company more than 24hours of time to protect its funds fraudulent actions still took place.

According to the FDCA : Debt collectors : May not misrepresent the legal status of the debt ( 15 U.S.C. 1692e ( 2 ) ( A ) ).

If the collector knows the debt is not legally enforceable against you for example, because the creditor has determined it arose from identity theft or fraud then continuing to pursue it could be a false representation of the debts validity.

Must cease collection if you dispute the debt in writing ( 15 U.S.C. 1692g ( b ) ).

If you tell them the debt was caused by fraud and provide evidence ( e.g., police report, FTC identity theft affidavit ), they have to stop collection until they verify the debt.

Could violate the law by engaging in unfair or unconscionable practices ( 15 U.S.C. 1692f ).

Trying to collect from a fraud victim without meaningful investigation can fall under this prohibition.

I strongly advise Chase do their homework and cease collection attempts against me. Because they have no ground to stand on here. Their negligence, ineptitude, and downright disrespect across the board can not be allowed to continue. I will continue to complain about their actions. I will continue to seek Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PR

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for refusing to conduct a reasonable investigation into my disputed credit report items, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a formal dispute letter to TransUnion. In that letter, I disputed several negative accounts on my credit report that contain discrepancies and inaccurate information. 
To ensure compliance with the FCRAs identity verification requirements, I enclosed a copy of my government-issued ID and proof of address. This was to confirm my identity and to prove that it was indeed me who initiated the dispute. 
However, on XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is unacceptable and a clear attempt to avoid fulfilling their obligations under the FCRA. According to FCRA 611 ( 15 U.S.C. 1681i ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

TransUnions refusal to investigate my disputes despite having received my letter and valid identity verification documents constitutes a violation of my consumer rights.

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 2025-08-11 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: AL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being opened in my name without my authorization. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that all accounts identified as fraudulent and related to this breach be blocked and deleted 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 2025-08-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Description of the Situation : A negative payment history from Self Financial ( formerly Self Lender ) has appeared on my credit report under account number XXXX. I do not recall opening this account, and I believe it may be the result of identity theft or unauthorized account creation.

When I contacted Self Financial to dispute the account and request proof of its validity, they responded that their investigation confirmed the account was valid. However, they have refused to provide specific evidence supporting their claim, such as : Application documents or agreements with my signature.

IP addresses, device IDs, or geolocation information tied to the accounts creation and logins.

Detailed payment authorization records.

They claim the email address associated with the account matches my current email, but I do not recall ever receiving any communications about this account until seeing it on my credit report.

I also discovered that two payments were processed from my bank account to Self Financial without my knowledge or consent : {$9.00} on XX/XX/year>, and {$36.00} on XX/XX/year>, both from a XXXX debit card ending in XXXX XXXXXXXX. I requested a refund, but Self Financial refused, citing a five-business-day limit on refunds.

Despite multiple written requests, Self Financial has not provided adequate proof that I opened or authorized this account. They have closed the dispute and stated they will take no further action without additional documentation from me, placing the burden of proof entirely on me rather than substantiating their own claim.

I am seeking : Removal of the Self Financial account from my credit report.

A full refund of the unauthorized charges.

Documentation of how this account was opened, including all application and login data.

Company response to consumer: Closed with explanation