vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
Had a consultation with XXXX laser XXXX orinal creditor now sold to XXXX portafolio amount {$2900.00}, they didnt specify that they will run my credit. So called them and told them I did not wanted to proceed to take their services. Now they charging me for a service Ive never received .they added it my credit report which is affecting my credit score please delete immediately from all credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
Had a consultation with XXXX laser XXXX orinal creditor now sold to XXXX portafolio amount {$2900.00}, they didnt specify that they will run my credit. So called them and told them I did not wanted to proceed to take their services. Now they charging me for a service Ive never received .they added it my credit report which is affecting my credit score please delete immediately from all credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
On XX/XX/year> ( reference number : XXXX ), I received an email ( followed by a letter in mail ) stating that some information is needed from me by the securities department. I called the following week ( took over 2 hours to complete the wait+call & WAS NOT COMPENSATED FOR MY TIME! ) and verified all charges on my account ending in XXXX. I have been using this checking account for years with no issue in the past. The agent I spoke with on XX/XX/year>XXXX  cleared everything and finished verifying my account ending in XXXX. HERE IS THE BIGGER ISSUE : ON XX/XX/year>, I RECEIVED A LETTER IN MAIL ( NO EMAIL WITH A REFERENCE NUMBER : XXXX ) AND IT IS ASKING ME TO CALL IMMEDIATELY BY XX/XX/year>!! Are they serious? The wait time to speak with agent was exceeding over an hour so this leaves me no room but to leave a complaint. I am not wasting hours of my time and not being compensated for the hassle. I am pretty sure that there is nothing to further verify on my account. This is a waste of time & money being created by this department and is most likely costing Capital One Bank millions ( possibly billions ) of dollars. I would like to be compensated for my time. Unfortunately, I do not feel safe having my funds to this account ending in XXXX anymore. Please clear up unnecessary inquiries left on my accounts backdoor. 

I will not be calling back again. Please reply back to this message and confirm that I do not have to call & verify further. Otherwise, we will have issues down the road and I do not want this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
On XX/XX/year> I sent this letter to Midland Credit Management. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Date : XX/XX/year> To : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Subject : Request for Debt Validation and Assignment Contract Under 15 U.S. Code 1635 and 1692g Dear Midland Credit Management, This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and a demand for the original assignment contract under 15 U.S. Code 1635. 



I recently received a derogatory remark on my personal credit profile under all 3 credit bureaus ( XXXX XXXX XXXX XXXX ) from your agency regarding an alleged debt you claim I owe in the amount of {$16000.00} under account number XXXX XXXX XXXX XXXX XXXX. In accordance with my rights under federal law, I request that you provide the following documentation to validate the debt and prove that you have the legal authority to collect on it : The name and address of the original creditor. 
The original amount of the alleged debt, with a full breakdown of any interest, fees, or other charges added. 
A copy of the original signed contract or agreement bearing my signature, showing I agreed to this debt. 
Proof of assignment a complete and verifiable chain of title or assignment contract from the original creditor to your agency, confirming your legal standing to collect on this debt. 
A statement that no legal action will be taken and collection efforts will cease until the requested information is provided.

Under 15 U.S. Code 1635, I also reserve my right to rescission of any alleged contract if applicable, as well as to be provided with documentation proving that my right to cancel has not been violated. 



Please consider this letter a formal dispute of the alleged debt and a request for validation as required by federal law. Until you provide the requested validation, you must cease all collection activity, including reporting to credit bureaus, calling me, or sending letters, as mandated by 15 U.S. Code 1692g ( b ).

Please respond within 30 days of receiving this request. If you fail to comply, I will consider your continued collection activity a violation of federal law and report it to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
Complaint : I am submitting this complaint because my credit score is being negatively impacted by unexplained changes made by one or more credit reporting agencies ( transunion, equifax, experian ) and I have received no clear justification for these actions. 

Every month, I receive a notification that my credit score has droppedsometimes by several pointsdespite the fact that I have not : Opened any new accounts Incurred any new inquiries Missed any payments Changed my spending or credit usage patterns I monitor my credit regularly and maintain responsible financial habits. These repeated score drops appear arbitrary and without factual basis. I have attempted to find explanations through the credit bureaus systems, but I am consistently directed to automated or generic dispute processes with no meaningful resolution or accountability. 

This ongoing pattern feels unjust and potentially abusive, and I believe it may reflect improper internal handling of consumer data or unfair scoring practices. I am formally requesting : 1. A clear explanation and documentation of the causes of these score changes.

2. A correction to my credit file, if no valid reason exists for these drops.

3. Measures to prevent arbitrary or unsubstantiated score fluctuations going forward.

If this issue is not addressed, I will consider taking further legal action and filing additional complaints with the Federal Trade Commission.

Please investigate this matter thoroughly. I appreciate your help in holding these agencies accountable for fair and transparent credit reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited an XXXX XXXX at my Chase bank saving account on Saturday. At the time of the deposit, I was not informed that a hold would be placed on the check. When i asked the teller when the funds would be available, she told me they would be accessible on Wednesday.

However, my account has a solid history - no overdrafts, and it's in good standing. The check i deposit was drawn on the same bank ( an " XXXXXXXX XXXX XXXX ), and under the Expedited Funds Availability Act and Regulation CC, funds from XXXXXXXX XXXX deposits are generally required to be made available by the next business day. 

I understand the fund deposited on Saturday would treat as it deposits on Monday, the fund should be available on Tuesday rather than Wednesday. Assuming no exception applies. 

Since my account is in good standing and the check is from the same bank, I believe the delay does not comply with the standard availability requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
There was a hard inquiry on my credit report from COMENITYCAPITALXXXX in XX/XX/year>. I did not authorize or request any inquiry from this company or have not even purchased or used their products. I called the number listed on my XXXX  report ( XXXX ) XXXX to check if someone had opened an account under my name. There was no account. They could not tell me why a hard inquiry was conducted or any other information. I asked if they could remove the inquiry and they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/year> I called Chase Bank about paying off my credit card. During the conversation I requested a negotiation of the balance if I made a lump sum payment. I was told this would be possible, but they would close the account. I made myself very clear that I did not want to close the account for numerous reasons. I agreed to pay the entire balance of the credit card, which was a balance of {$8200.00}. 

The payment was posted on XX/XX/XXXX, and I was in good standing on my card. 

On XX/XX/year> I received an email that Chase decreased my credit line from {$8000.00} to {$1000.00}. I immediately responded with a letter stating my displeasure. I received a response on XX/XX/XXXX, that I would need to call to resolve the matter. 

I called Chase on XX/XX/year> and was told due to a " random credit check '' my credit was evaluated and ultimately a decision was made to decrease the credit line. I voiced that I felt this was a predatory and a scam, because I could have negotiated the balance and saved myself some money. 

I was never once told there was a possibility of my credit line being decreased after payment, and the timeline of events tells me this was not a " random '' check as Chase wants to state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
XX/XX/XXXX I contacted Experian to update my information due to divorce ( last name ) and moved to another home ( address ). I sent documents via mail on XX/XX/XXXX ( XXXX ) it was delivery on XX/XX/XXXX. Experian emailed saying Your Dispute Results are Ready. However, they haven't really update my information ( last name and address ). I still have trouble because my membership still shows my previuos last name and the address I lived about 6 years ago. Every time I call experian membership at XXXX, the automatic machine doesn't connect me with a person because either he has a conflict to find my identitcation or doesn't see the need to fix my membership. I only talked to customer services and I've been telling them I need to fix my information because it's not updated they said that in their system is correct but I still need to talk to membership to be able to update it because they cant. I have explained my situation already a few times. It's been already 3-4 weeks and I need my credit report because my new career is requesting it. I am very frustated with this situation because I feel experian own my identify and they don't fix it and don't do anything about it and I really need to get it to fix. I don't really like to complain but I really need to speak up and I hope someone can help me. It's not fair how they are treating people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
Complaint : I am submitting this complaint because my credit score is being negatively impacted by unexplained changes made by one or more credit reporting agencies ( transunion, equifax, experian ) and I have received no clear justification for these actions. 

Every month, I receive a notification that my credit score has droppedsometimes by several pointsdespite the fact that I have not : Opened any new accounts Incurred any new inquiries Missed any payments Changed my spending or credit usage patterns I monitor my credit regularly and maintain responsible financial habits. These repeated score drops appear arbitrary and without factual basis. I have attempted to find explanations through the credit bureaus systems, but I am consistently directed to automated or generic dispute processes with no meaningful resolution or accountability. 

This ongoing pattern feels unjust and potentially abusive, and I believe it may reflect improper internal handling of consumer data or unfair scoring practices. I am formally requesting : 1. A clear explanation and documentation of the causes of these score changes.

2. A correction to my credit file, if no valid reason exists for these drops.

3. Measures to prevent arbitrary or unsubstantiated score fluctuations going forward.

If this issue is not addressed, I will consider taking further legal action and filing additional complaints with the Federal Trade Commission.

Please investigate this matter thoroughly. I appreciate your help in holding these agencies accountable for fair and transparent credit reporting practices.

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