vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a written request to XXXX XXXX XXXX with Account Number : XXXX  to validate a debt under FDCPA & 1692G ( b ). They failed to respond with any validation, yet continued to report the debt to Experian and Equifax. This violates the FDCPA and the FCRA & 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary - Dispute of Inaccurate Accounts and Identity Compromise Summary : I am requesting an immediate review and assistance from the Consumer Financial Protection Bureau regarding multiple inaccurate and unverifiable accounts currently appearing on my credit reports with Equifax, Experian, and TransUnion. 
These accounts are causing significant harm to my credit score and financial well-being. Despite initiating disputes with the credit bureaus, the items have not been removed. Given the widespread nature of data breaches ( XXXX Equifax, XXXXXXXX XXXX XXXX and the presence of irregular reporting, I also believe these items may be connected to identity compromise. 

Accounts in question include : - 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 Issues Identified : - Inaccurate late payments and charge-offs - No documentation provided despite my dispute request - Reporting errors on accounts paid in full or closed - Potential fraudulent or unauthorized data reporting Requested Relief : - Immediate deletion of the disputed accounts due to lack of verification - Full reinvestigation of all negative entries related to the above creditors - Confirmation that the bureaus have followed all requirements under : - FCRA 1681e ( b ) - Accuracy of information - FCRA 1681i - Timely reinvestigation - FCRA 1681c-2 - Blocking of information resulting from identity theft Attached : - Formal dispute letter submitted to the credit bureaus - Deletion request citing data breach and identity theft protections- Supporting payment and credit report history I respectfully request the CFPB to ensure compliance and expedite correction or removal of these entries to restore my credit profile as soon as possible. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is an unknown debt. I have received several messages, but I never know where they are from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NCB Management Services Inc.
State: OK

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act ( FCRA 609 & 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). The company has failed to provide a signed contract bearing my signature, full accounting, and legal chain of custody verifying the debt.

Additionally, no permissible purpose under FCRA 604 has been established for reporting this debt. Continued reporting without verifiable proof constitutes willful noncompliance, which carries statutory damages under FCRA 616 and 617.

I am demanding this tradeline be permanently removed from all credit bureaus immediately.

If unresolved, I will escalate to the FTC, State Attorney General, and consider legal action for damages.

This complaint is being documented and archived for lega

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX a victim of identity theft demand the removal and deletion of listed accounts : 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 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 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 I am submitting this complaint because a credit reporting company failed to block fraudulent information from my credit report as required under Section 605B of the Fair Credit Reporting Act. 

I am a victim of identity theft and have provided all the required documentation under FCRA 605B to the credit bureau, including : A copy of a valid government-issued ID ; A copy of a police report or FTC Identity Theft Report documenting the identity theft ; A written statement identifying the specific fraudulent items and requesting the blocking of such information. 

Despite providing these documents and making the request on [ insert date ], the credit bureau has failed to block the disputed information within the required 4-business-day window or has reinserted the information without providing proper notice, which violates FCRA Section 605B. 

As a result, the fraudulent information remains on my credit report and is negatively affecting my creditworthiness, including being denied credit and/or receiving unfavorable terms due to the presence of accounts or inquiries that are not mine. 

I am requesting that the CFPB take action to ensure the credit reporting agency complies with its legal obligations under FCRA 605B and immediately and permanently block the fraudulent information 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I have a late payment on a credit card that I did not receive or activate. The web site said dont make any payment till you activate your card. I had no notification from the card. Just that I had a late payment. That was not mine. 

Selfinc/lead

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information, which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information, which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at several companies. I did not open or authorize this account, and I therefore request that it be removed immediately. 

The accounts and inquiry are listed as follows. " XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX reported balance of {$2300.00}. " XXXX '' opened on XX/XX/XXXX reported balance of {$0.00}. " XXXX XXXX  '' opened on XX/XX/XXXX reported balance of {$9000.00}. " XXXX XXXX XXXX '' inquired on XX/XX/XXXX. 

The " XXXX XXXX XXXX has been a pain to deal with. I have tried to reach the company several times to get them to understand i wasn't the person who authorized this account and no luck. This account has had a decreased in balance of {$1.00} since the reported date. The original balance being {$9000.00}. The accounts has also been removed from EQUIFAX and was somehow transferred to TRANSUNION. That is a violation because a credit account CAN NOT be directly transferred from XXXX bureau to another. If an account has been reporting on XXXX bureau and then was removed it should stay removed and not go to a separate bureau. Not only that, but the accounts are related to an address that is not currently mine. All of this proving how inaccurate this information really is, but despite this inaccuracy it is still being reported.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at several companies. I did not open or authorize this account, and I therefore request that it be removed immediately. 

The accounts and inquiry are listed as follows. " XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX reported balance of {$2300.00}. " XXXX '' opened on XX/XX/XXXX reported balance of {$0.00}. " XXXX XXXX  '' opened on XX/XX/XXXX reported balance of {$9000.00}. " XXXX XXXX XXXX '' inquired on XX/XX/XXXX. 

The " XXXX XXXX XXXX has been a pain to deal with. I have tried to reach the company several times to get them to understand i wasn't the person who authorized this account and no luck. This account has had a decreased in balance of {$1.00} since the reported date. The original balance being {$9000.00}. The accounts has also been removed from EQUIFAX and was somehow transferred to TRANSUNION. That is a violation because a credit account CAN NOT be directly transferred from XXXX bureau to another. If an account has been reporting on XXXX bureau and then was removed it should stay removed and not go to a separate bureau. Not only that, but the accounts are related to an address that is not currently mine. All of this proving how inaccurate this information really is, but despite this inaccuracy it is still being reported.

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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Klarna AB
State: NY

Complaint narrative:
Klarna charged me {$140.00} using XXXX XXXX. The order was then denied without any confirmation or email, and my funds were placed on hold without my permission. XXXX XXXX does not support holds in this way. Klarna refused to issue a refund or resolve the issue. They blamed the bank, which is false. This violates Regulation XXXX and FTC rules, as I never received goods or clear notice of transaction denial.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted formal written disputes to Equifax, Experian, and TransUnion regarding two accounts reported by XXXX XXXX These accounts are misreported across all three bureaus and contain numerous violations of the Fair Credit Reporting Act ( FCRA ) : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charged Off / {$0.00} Balance Issues : Inconsistent status and dates across all three CRAs ( e.g., different " Date of Last Activity '' and " Date Reported '' ) Equifax shows XXXX activity on an account closed years ago, raising concerns about re-aging Varying classifications ( credit card, revolving, charge card ) Dispute flag shown only by Experian missing from others in violation of 623 ( a ) ( 3 ) Account 2 XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Closed Paid As Agreed {$0.00} Balance Issues : XXXX  labels the account as a " Sales Contract '' while others label it as " Installment '' Equifax shows XXXX activity despite the account being closed and paid in XXXX Inconsistent categorization and activity timelines No clear dispute status uniformly reported These inaccuracies are harming my credit standing and violate the following provisions : 607 ( b ) Failure to maintain maximum possible accuracy 623 ( a ) ( 3 ) Failure to report disputes clearly and uniformly 611 Failure to conduct proper reinvestigation Possible re-aging, which is illegal under FCRA if used to extend the reporting period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a letter from JPMorgan Chase Bank ( JPMCB ) regarding account ending in XXXX, offering to settle a {$3600.00} balance for {$360.00}. This indicates the account has likely been charged off, written off, or sold, and that Chase may lack standing to collect. 

On XX/XX/XXXX, I sent Chase a formal Remittance Notice and Dispute Letter via certified mail, requesting the following : Full accounting and transaction ledger Original credit agreement with wet-ink signature IRS Form 1099-C , 1099-A , or 1099-OID Chain of assignment or transfer Removal of any XXXX XXXX credit re-aging and unlawful reporting On the same day ( XX/XX/XXXX ), I also sent formal notices to XXXX XXXX, XXXX and XXXX XXXX Services XXXX XXXX XXXX XXXX attempting XXXX XXXX XXXX the same JPMCB account. These letters identified clear violations under the Fair Debt Collection Practices Act ( FDCPA ) and demanded {$50000.00} in damages from each for procedural and emotional harm. 

Chase has failed to respond with the required documentation. The account has been reported as " past due '' from XX/XX/XXXX through XX/XX/XXXX, which violates FCRA 623 ( 15 U.S.C. 1681s-2 ) and XXXX XXXX Guidelines prohibiting re-aging of charged-off accounts. 

Further violations include : 15 U.S.C. 1692g ( b ) Continued collection on a disputed debt 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresentation of the legal status of the debt 26 U.S.C. 6050P No IRS 1099-C, 1099-A, or OID issued despite charge-off status This unlawful collection and credit reporting has caused procedural harm, reputational damage, and emotional distress. I am requesting : Immediate deletion of the account from all credit bureaus Written confirmation of all IRS forms ( 1099-C/A/OID ) filed or not filed {$75000.00} in monetary relief for damages caused by Chase and its third-party agents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: MN

Complaint narrative:
I have continued to receive communications and debt collection threats from debt collectors on behalf of Galaxy International Purchasing. I have disputed the debt and requested proof of it.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this formal dispute regarding an inaccurately reported bankruptcy case id # XXXX that remains on my credit report. I have taken the necessary steps to investigate the origin of this entry and have discovered that it is unverified and improperly maintained. 

I have contacted the court of record, and I am in possession of a letter from the United States Bankruptcy Court explicitly stating that they do not verify or report bankruptcy information to any credit reporting agencies. This confirms that the original source of the record is not responsible for its presence on my credit file. 

Furthermore, I filed a dispute with XXXX, and they have since removed the bankruptcy record from their system, acknowledging that they are not the source of the reporting. This is critical, as XXXX is a primary provider of public records data to credit bureaus. Its removal from their records further proves the bankruptcy is unsupported by any verifiable public data source. 

Despite this, the credit bureau continues to report the bankruptcy and failed to verify it upon my request. Instead of providing any documentation or legitimate verification, they simply mailed me a new credit report that still included the disputed bankruptcy. This does not meet the requirements for a proper reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ).

Company response to consumer: Closed with explanation