vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This account on my credit report and has also obtained garnishment for the alleged balance of {$5000.00}. I have previously advised you that this account is fraudulent and that I am not the owner of this debt. You are in violation of my rights by continuing to report and collect on this account. 
This is a formal demand for validation under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Until proper validation is provided, you must cease all collection activities and delete this account from all credit reporting agencies.

Required Validation You are required to provide the following documentation : 1. Full payment history of this account, including all charges, credits, interest, and fees. 
2. Original signed contract bearing my signature showing that I agreed to this debt with XXXX XXXX. 
3. Insurance claim records, if any, related to this debt ( including whether a claim was paid or settled ).

4. Complete chain of title, showing assignments, purchase agreements, or transfers that establish your legal right to collect on this debt.

Until these documents are provided, you have no legal authority to collect, enforce, or report this debt. Any continued reporting or enforcement actions, including garnishment, without validation will constitute willful noncompliance and violations of both the FDCPA and FCRA. These actions will be included in my ongoing complain with the Consumer Financial Protection Bureau ( CFPB ) and may subject your company to further liability.

I demand that you respond to this dispute and provide the required documentation within 30 days of receipt of this letter. If you can not validate the debt as required by law, you must immediately cease collection activity and remove the account from my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau after I received an email stating that my loan was denied because of bank account transaction history and balances on XX/XX/year>. The email also stated that the information that credit decision was based on information from an outside source other than a consumer reporting agency. 

Please include the following date and reference number in all communications : Application date : XX/XX/year>XXXX   Reference number : XXXX Our credit decision was based in whole or in part on information obtained from an outside source other than a consumer reporting agency. The nature of the information was bank account transaction history and balances. 

My checking account was flagged as fraud. I tried to provide them with additional information that would show proof of my income but XXXX said that there was nothing that they could do and that I would not be able to get the loan. 

After I filed the complaint, I received a XXXX email stating a totally different reason for the denial of my loan on XX/XX/year>. The new reason for denial that they provided after I filed a complaint with the Consumer Financial Protection Bureau is Application date : XX/XX/year>XXXX  Reference # : XXXX Reason ( s ) for denial : Recent inquiries Payment on accounts Credit amount on trades Insufficient revolving, retail card trade information If my credit report was the reason for denial they wouldn't have asked me for my debit card to deposit funds and they wouldn't have asked for my bank statements because I banked with XXXX. 

They provided information to the Consumer Financial Protection Bureau saying that my bank statements did not provide the information needed to get the loan, which implies that I had qualified for the loan but was denied based on banking information. If I was denied based on my credit report, I would never have been asked for my bank statements or asked to come in and sign my loan documents. 



I am attaching : 1. Accounts that proves my income, banking account information from XXXX, XXXX XXXX, and XXXX XXXX 

2. Pay stubs 3. The 2 emails that state different reasons for denial 4. The 2 initial complaints 5. Unauthorized access to my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our loan was 2.99 % APR 10 year fixed rate with XXXX XXXX. XXXX XXXX closed in XXXX  and was acquired by Chase. Now, after only 5 years since loan origination, Chase is increasing my rate to 7 % APR. Can you explain to me how this is legal or acceptable? 

This is absolutely not something I agree to or part of our agreement. This is a clear violation of FDIC laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because my credit report contains false information that is harming me financially, emotionally, and socially. The issues reported below violate my rights under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 ).

Wrong Address Reporting XXXX XXXX XXXX XXXX, MI XXXX This address is being reported on my credit file and is not now nor has ever been associated with me. I never lived at this location and do not have any personal, financial, or contractual connection with this address. The presence of this false address violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This inaccuracy has caused confusion, suspicion of fraud, and potential misrepresentation of my identity, placing me at risk of identity theft. 
Story : Because of this false chargeoff, I have been unfairly denied credit approvals, faced higher interest rates, and suffered emotional distress due to the damage done to my financial reputation. Credit reporting is supposed to reflect accurate and verifiable information only, but instead I am being penalized for information that has not been proven valid. This is reckless, negligent, and unlawful reporting. 
Relief Requested I request that CFPB investigate these violations, require the credit bureaus and the furnisher to immediately remove the false address and delete the XXXX XXXX chargeoff account unless full legal documentation can be provided. I also request written confirmation once corrections are made.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$140.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/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 2025-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Issue : My Capital One Quicksilver credit card account ending in XXXX was unfairly restricted despite being under my limit and having made my minimum payment. 
Details : I was not over the credit limit, and I had already made the minimum payment due, yet Capital One restricted my account without explanation. This has effectively denied me access to my available credit and caused financial hardship. I was not properly notified, and my payment is not being reflected as available credit. 
Why this is unfair : This appears to be an arbitrary restriction and could harm my credit profile. Capital One has not provided transparency or justification for restricting my account. 
Resolution I am seeking : Immediate restoration of account access and available credit A written explanation for the restriction Confirmation that this action will not negatively impact my credit report Consumer Rights Cited : Truth in Lending Act ( 15 U.S. Code 1601 ), Fair Credit Billing Act ( 15 U.S. Code 1666 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
This account is reporting inaccurately on my XXXX  credit file. The Toyota Motor XXXX account was included and XXXX in my XXXX XXXX bankruptcy ( filed and discharged XX/XX/year>XXXX  ). The account should reflect a {$0.00} balance, closed status, and no past due amounts. 

Instead, the way it is being reported makes it appear as though I still owe, which is misleading and harmful to my credit profile. 

I am requesting an investigation and correction/removal of this account so that it accurately reflects the bankruptcy discharge and does not show as an active or collectible debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
Two XXXX loans dated back in XXXX and XXXX were taken out under my name and information. They show an address in my same town, a phone number, but its my name and social. I have filed a fraud request via XXXX and have not heard back. Ive also filed a dispute on my credit report, but that was inconclusive and they deemed it was still accurate, mostly because the issue with XXXX is still fraudulent. More verification steps shouldve been taken to verify this XXXX loan being set up.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: PA

Complaint narrative:
XXXX closed my account without my request. At the time of closure, the account had a remaining balance of {$780.00}. I contacted XXXX customer service and requested that the balance be refunded to me by check. Despite multiple requests, XXXX has not sent me the funds or provided any way to access my balance. 
I believe the company is withholding my money unfairly. I am requesting that the remaining balance of {$780.00} be released and sent to me immediately.

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 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
THIS XXXX ACCOUNT XXXX HAS BEEN PAID IN FULL WITH A {$0.00} BALANCE. YET SYNCB IS STILL TRYING TO CHARGE ME ANOTHER {$540.00}, SEE SCREEN SHOT. I HAVE TRIED TO FIX THIS, BUT THEY REFUSE TO REMOVE THIS PENDING CHARGE, AND THERE ARE NO CHARGES ON THIS ACCOUNT XXXX. I'VE ALREADY PAID THIS ACCOUNT OFF. ONE SCREENSHOT SHOWS THE PAYMENT, THE OTHER SHOWS THAT SYNCB IS STILL PENDING ANOTHER {$540.00} CHARGE ON THEIR WEBSITE ON MY ACCOUNT. IF THEY SEND IT THROUGH AGAIN TO MY BANK, I WILL SUE.

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 2025-09-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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