vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Back in XXXX I had a Chime account the just closed without notice with funds I still had available I was going through medical emergencies than that I never got resolution or response back than after finding out this happened to numerous people that sparked a lawsuit I decided to follow up on it cause it was my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX " served '' my old household in XXXX, OH ( i was living in XXXX, MO at the time ). They began a garnishment. This debt was paid in full as of XX/XX/XXXX. ( This is when the funds left my account ). On XX/XX/XXXX the phone line was down for XXXX, I could not get a call to go through from my personal number. My fathers number. Or my bosses number. On XX/XX/XXXX i called asking for a receipt, I was told they do not provide proof of payment and that burden falls on the courts. The final payment of {$1000.00} was made and my account sits at {$0.00} owed. I reached out again on XX/XX/XXXX and was told by XXXX she would pass it along to her supervisor that I requested proof of payment. I have yet to receive anything from slovin or the courts. It appears my account is still open and active with a {$0.00} balance. This is preventing me from finding housing. I have a baby on the way. It is crucial I get this proof of payment or I and my childs mother will be homeless.

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 2025-10-22 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: OK

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Between XXXX and XXXX, I submitted multiple written disputes to Capital XXXX, XXXX Bank, Midland Credit Management, and Experian regarding inaccurate and unverified information appearing on my credit reports. 

I first disputed a XXXX XXXX credit card account that was charged off for approximately {$8000.00}, even though I made XXXX large payments totaling {$4500.00} in XXXX and XX/XX/XXXX. XXXX XXXX acknowledged that the account was opened online and admitted that no signed application exists, yet they continue to report a balance and charge-off status without providing any wet-ink contract or full accounting of payments. 

I also disputed a Comenity/Victorias Secret account that Comenity confirmed XXXX sold to Midland Credit Management XXXX XX/XX/XXXX. Despite that sale, XXXX continues to report a charged-off balance instead of showing a XXXX balance marked transferred/sold. Midland Credit Management began reporting the same account as a new collection but has not provided any lawful debt validation, original contract, or documentation showing ownership or chain of title of the account. 

Experian has received multiple rounds of certified dispute letters from me providing new evidence, including the Comenity sale confirmation and payment proof to XXXX XXXX. However, on XX/XX/XXXX, Experian closed the reinvestigation as verified/updated or remains, without showing any verification documents or evidence of a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

The pattern of conduct by these companiescontinuing to report inaccurate information and refusing to produce lawful proof of claim after repeated written requestshas caused ongoing financial and emotional harm, denial of credit opportunities, and damage to my credit reputation. 

I am requesting that the credit bureaus delete the disputed tradelines from my report, that XXXX XXXX and XXXX correct or remove their inaccurate reporting, and that XXXX cease all collection and reporting until proper validation is provided. 

Multiple creditors and a credit bureau have continued to report inaccurate and unverified information despite certified disputes and affidavits I submitted between XXXX and XXXX. The creditors failed to validate or provide signed contracts, and the credit bureau ignored clear evidence. These actions have caused financial and emotional harm and violate the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX unauthorized uses for over XXXX on barclays cash forward card and similar on barclays jet blue fraud dep told me i had unauthorized users and closed there cards, refunded purchases and added XXXX extra layers of security to account. XXXX days later adress was charged again. I was mad as the adress change was also added to all three credit reports. So i had to fix and than closed both accounts and gave them over XXXX. XXXX weeks later jet blue still XXXX balance barclays adds over XXXX saying because it was made by a chip card it can not be fraud. Yet it is somehow not fraud on the barclays jet bluecard somehow! I dont understand how they let this happen and to be clear im in newyork and transactions happened in Michigan XXXX Presently going to fill out police report and refuse to pay debt witch is not mine!!!

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 2025-10-22 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:
To Whom It May Concern, This letter serves as a formal complaint and demand for immediate investigation, deletion, and monetary relief under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following accounts are reporting inaccurate and conflicting data on my credit file, in violation of 1681e ( b ) and 1681i ( a ) : XXXXXXXX XXXX ( Acct ending XXXX ) falsely reported charge-off while reflecting {$0.00} balance. 

XXXX XXXX ( Acct ending XXXX ) conflicting status ( collection vs. closed ). 

XXXX XXXX ( Acct ending XXXX ) obsolete account ( 2019 activity ). 

You have failed to ensure maximum possible accuracy and to properly reinvestigate. These constitute willful and negligent violations under 1681n and 1681o, entitling me to {$1000.00} per violation plus damages.

I hereby demand : Immediate deletion of all unverifiable or inconsistent accounts.

Written confirmation within 15 days.

Compensation for damages under FCRA 616 and 617.

Failure to comply will result in filing with the CFPB and a civil claim in U.S. District Court. 

Sincerely,

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 2025-10-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I have had my Macys/CBNA credit card since XXXX and have never had a late payment until this issue occurred. In XX/XX/XXXX, a XXXX late payment was reported on my account. During that time, I was displaced from my residence due to a severe water damage claim and living in temporary housing from XX/XX/XXXX to XX/XX/XXXX. Because I was not at my residence, I did not receive the billing statement and had no reasonable opportunity to make the payment on time. 

Once I returned home and discovered the missed payment, I immediately paid the account and brought it current in XX/XX/XXXX. 

I later disputed the late payment with XXXX, providing documentation including my insurance claim and an Additional Living Expense ( ALE ) hotel invoice proving my displacement. XXXX  verified the late payment without addressing my documentation or demonstrating that a reasonable reinvestigation was conducted. 

Under the Fair Credit Reporting Act, I believe XXXX failed to conduct a reasonable reinvestigation ( 611 [ a ] [ 1 ] [ A ] ) and maintain maximum possible accuracy ( 607 [ b ] ), and Macys/CBNA failed to properly investigate the information after being notified ( 623 [ b ] [ 1 ] ).

I am requesting that the CFPB review this matter and require XXXX  and Macys/CBNA to reinvestigate and remove the inaccurate late payment 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/XXXX, I applied for a loan with XXXX XXXX who was the loan officer and he agreed to give me an installment loan of {$10000.00} from his company. I sent him my personal information which included my Chime Bank routing and account number. my social security number, my mother 's maiden name, my Chime Bank debit card information, my cash app identification, my personal XXXX account information, and my XXXX XXXX XXXX XXXX routing and account numbers. On XX/XX/XXXX, he created a fake document showing a deposit of {$5000.00} into my Chime account. On XX/XX/XXXX, I spoke with a representative of Chime Bank and was told that there is NO pending deposit of {$5000.00} in my Chime account. On XX/XX/XXXX, XXXX XXXX or his associate took {$300.00} from my Chime account with a promise that I would receive the loan. On XX/XX/XXXX, I gave XXXX XXXX my new phone number. On XX/XX/XXXX, XXXX XXXX was given {$80.00} from my XXXX account with the promise I would get the loan. On XX/XX/XXXX, XXXX XXXX or his associate withdrew {$940.00} and {$990.00} from my Chime account which was not authorized. This was done through XXXX XXXX. The following are the Chime bank withdrawals : XX/XX/XXXX - of {$5.00} to his associate XXXX XXXX ; XX/XX/XXXX withdrawal of {$300.00} to his associate XXXX XXXX ; XX/XX/XXXX - withdrawal of {$2400.00} to his associate XXXX XXXX. On XX/XX/XXXX - withdrawal of {$100.00} and {$920.00} through his associate XXXX XXXX. On XX/XX/XXXX at XXXXXXXX XXXX  XXXX, I informed XXXX XXXX that the total amount he needs to send back to me was {$3500.00}. On XX/XX/XXXX, I asked XXXX XXXX whether he was paying me back the {$3500.00} and also give me the loan of {$10000.00}. At XXXX XXXX XXXX, he said yes. At XXXX XXXX  XXXX, I asked XXXX XXXX to send me the loan agreement and he said yes. On XX/XX/XXXX at XXXXXXXX XXXX  XXXX he said that I would get both the {$3500.00} and the {$10000.00} loan that day. On XX/XX/XXXX, he sent me a loan agreement with the wrong address. He then sent me another loan agreement with my correct address. As of this date, XX/XX/XXXX, XXXX XXXX refuses to give me both the {$3500.00} and the {$10000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
On or around XX/XX/XXXX, I noticed a hard credit inquiry from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, on my credit report. 
I did not authorize this company to access my credit file, and I did not apply for any loan, vehicle financing, or credit with this dealership. This inquiry appeared without my consent and has negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA 604 ( a ) ), no one may obtain or use a consumer credit report without a permissible purpose or written authorization. 
I am requesting that the Consumer Financial Protection Bureau investigate this unauthorized credit inquiry and require that it be removed from all of my credit reports ( Experian, XXXX XXXX XXXX  ). I am also requesting confirmation that XXXX XXXX XXXX not access my credit again without my written consent. 
Details : Inquiry Date : XX/XX/XXXX Removal Date ( per credit report ) : XX/XX/XXXX Business Type : Automobile Dealers, New Phone : ( 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 2025-10-22 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-22 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: KY

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated. 

Equifax has listed the wrong current address : under personal information " XX/XX/year> CURRENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief