vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE REMOVE THESE 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 PLEASE UPDATE AND CORRECT THIS XXXX XXXX ACCOUNTS REPORTING : 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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: VA

Complaint narrative:
To : Consumer Financial Protection BureauXXXX. XXXX XXXX, DC XXXX RE : XXXX XXXX Lendmark Financial Services, XXXX Account # XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Lendmark Financial Services, XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the above-referenced account. 
Summary of Complaint : Lendmark Financial is reporting inaccurate and unverified information to consumer credit reporting agencies, causing significant and ongoing harm to my credit profile. I have formally disputed this account and requested debt validation as provided under 15 U.S.C. 1692g ( b ) ; however, they have failed to provide any lawful verification of the alleged debt.

Despite the lack of verification, they continue to : 1. Report negative information to XXXX XXXX, and TransUnion in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate.

2. Maintain and update derogatory tradelines after dispute, contrary to 15 U.S.C. 1681i ( a ), which requires prompt reinvestigation and deletion of unverifiable data.

3. Continue collection activity without proper validation, a direct violation of 15 U.S.C. 1692g ( b ) and 1692c ( c ). 
Requested Resolution : * Immediate deletion of all credit bureau entries related to Account # XXXX. 
* Written confirmation that the account is resolved with a {$0.00} balance.

* Cessation of all collection and reporting activity for this account.

Evidence Available for Submission : * Copies of my dispute letters to Lendmark Financial. 
* Certified mail receipts proving delivery. 
* Current credit reports showing ongoing reporting of this account. 
Lendmark Financials continued actions are willful violations of federal law, and I respectfully request that the CFPB require their prompt compliance with the FCRA and FDCPA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Subject : Clarification Regarding Mischaracterization of Dispute Origin FTC vs. CFPB Complaint Dear Consumer Financial Protection Bureau, I would like to clarify a likely source of confusion in my ongoing CFPB complaints ( XXXX and XXXX ) against JPMorgan Chase.

It appears Chase may be conflating this CFPB complaint with a separate report I submitted to

the FTC which was not a fraud claim, but a regulatory complaint. I reported Chase to the FTC regarding their refusal to honor my Limited Power of Attorney and violation of my communication preferences due to my medical condition ( XXXX  ). That report was not a fraud dispute and should not have been treated as such. If Chase has used the FTC report to classify my dispute as a fraud issue, that is a serious procedural failure and misrepresentation of my intent. I request the CFPB to ensure Chase is held accountable for : Failing to correctly classify and
investigate the nature of my complaints, Providing inconsistent updates ( i.e., claiming the matter is closed in an XX/XX/XXXX letter while simultaneously telling the CFPB on XX/XX/XXXX that the case is still under review ), Misleading regulators and myself, and Continuing to ignore legal obligations under FDCPA and FCRA, as well as XXXX accommodation requirements. 

Thank you for your continued review and support in holding Chase accountable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX of XX/XX/XXXX I have conducted the payment in the amount of XXXX from my account with XXXX to account of XXXX XXXX XXXX XXXX Esplanade with CITIBANK N.A. XXXX, XXXX. CITIBANK N.A. in New York was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXXk was designated under the Executive Order 14024. Considering this, my payment was blocked by intermediary bank. On XXXX of XX/XX/XXXX I applied to OFAC for a license to unblock my funds. On XXXX of XX/XX/XXXX I have received license XXXX authorizing Citibank , N.A . to return the funds to the originator. On XXXX of XX/XX/XXXX, then XXXX of XXXX XXXX, XXXX of XX/XX/XXXX and XXXX of XX/XX/XXXX we tried to contact CITIBANK N.A. via XXXX from XXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to our account in non-sanctioned bank. Still, CITIBANK N.A. has not responded. Thus, I can not receive my money even having the license authorizing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXubject : Goodwill Request for Removal of Late Payment I am writing to you regarding my student loan account number XXXXXXXX XXXX XXXX XXXX XXXX. I want to express my sincere gratitude for the services I have received from XXXX and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XX/XX/year>. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a credit report dispute with TransUnion regarding inaccurate items on my report. 
I included two valid proof-of-address documents : My current signed lease agreement. 
My valid drivers license. 
Both show the same current address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
TransUnion rejected my documents for the following reasons : Claimed the lease was too old ( it is current ). 
Claimed the document was illegible ( it is fully readable ). 
Claimed the document was not acceptable ( a lease agreement is commonly accepted proof of address ). 
Other unspecified reasons. 
My lease agreement is dated within the current year and is clear and legible. 
According to multiple sources, lease agreements and drivers licenses are accepted forms of proof of address. 
By rejecting these documents, TransUnion is preventing me from exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes an item. 

I am requesting that the CFPB : Investigate TransUnions handling of my dispute.

Require TransUnion to accept my lease agreement and drivers license as valid proof of address.

Ensure my dispute is processed promptly.

Attached : Lease agreement, drivers license, TransUnion response letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX NY XXXX and I have written this report to address unauthorized credit inquiries on my credit report. These are hindering my credit score as i did not give permission or provide my signature for these accounts. I need these removed as soon as possible as communicating with the major credit agencies ( Transunion, Experian, Equifax ) have NOT Helped at all. I am doing my best to stay sane as this is totally unfair. I need these accounts investigated and removed from my credit report immediately. Please help. 
I have already created an FTC. Which will be attached. Here are inquiries listed as well. 

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 2025-08-12 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:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX NY XXXX and I have written this report to address unauthorized credit inquiries on my credit report. These are hindering my credit score as i did not give permission or provide my signature for these accounts. I need these removed as soon as possible as communicating with the major credit agencies ( Transunion, Experian, Equifax ) have NOT Helped at all. I am doing my best to stay sane as this is totally unfair. I need these accounts investigated and removed from my credit report immediately. Please help. 
I have already created an FTC. Which will be attached. Here are inquiries listed as well. 

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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: NJ

Complaint narrative:
This Complaint is answer to prior complaint where I have been wrongfully accused of owing the debt. The Initial Communication was sent to XXXX XXXX who was not a spouse or XXXX. The reference complaints numbers are as follows. Harassment techniques were used in the violation of Consumer according to FDCPA XXXX XXXX who is DEBT COLLECTOR for XXXX XXXXk. Please check attachment for detailed complain. I would like CFPB to take urgent notice of these harassments and letters sent after cease and desist. 

Your complaints XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX -XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2025-08-12 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:
XXXXI am writing to formally dispute the inaccurate and fraudulent information that appears in my credit report. Under my rights granted by the Fair Credit Reporting Act (FCRA) XXXX XXXX XXXX XXXXt seq., I am requesting the immediate removal of the following erroneous items: \nCreditors Name & Account Number Basis for Removal: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 2025-08-12 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: OH

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-12 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:
XXXXOn multiple occasions, I have disputed inaccurate and unverifiable information with TransUnion, yet the company has failed to conduct a reasonable reinvestigation as required under 15 U.S.C.  1681i. Despite providing clear documentary evidenceincluding an FTC Identity Theft Report, XXXX XXXX XXXX contract showing a maturity date of XXXX XXXX, and proof that no payments were due during the months reported as lateTransUnion continues to report false and damaging informationXXXXThe following inaccuracies remain:\n\nInaccurate Personal InformationXXXXDate of birth incorrectly listed as XXXX (should be XXXXXXXXIncorrect address information not updated to reflect XXXX XXXX XXXX XXXX XXXX XXXXFalse employment entries for XXXX XXXX XXXXViolation: FCRA  607(b)  failure to maintain maximum possible accuracy; Metro 2  incorrect consumer identification fields.\n\nFraudulent Accounts  Identity TheftXXXX XXXX XXXX  Account #XXXX XXXX XXXX XXXX XXXX XXXX Account #XXXX XXXX XXXX XXXXThese are fraudulent accounts, confirmed by my FTC Identity Theft Report, yet TransUnion has failed to block them under FCRA  605B.\nViolation: FCRA  605B, 611, 623(a)(6); Metro 2  failure to code as XB/XC.\n\nBilling Error  XXXX XXXX XXXX (Account #XXXXTransUnion is reporting 60-day late payments for XXXX XXXX  despite the account having been paid as agreed and closed in XXXX XXXX  per contract maturity date.\nViolation: FCRA  623(a)(1)(A); Metro 2  incorrect Payment Status and Date Closed fields.\n\nFailure to Conduct Reasonable Investigation\n\nDisputes have been previously filed, yet TransUnion has verified the accounts without providing the Method of Verification as required under FCRA  611(a)(7).\n\nThis continued reporting is causing financial harm, lowering my credit score, and impairing my ability to obtain credit, insurance, and employment opportunities. TransUnions actions constitute willful noncompliance under FCRA  616617.\n\nThis dispute is being submitted in good faith and is not filed in error, misrepresentation, or with intent to mislead. The facts and claims stated are accurate to the best of my knowledge, and I have enclosed verifiable documentation, including an FTC Identity Theft Report, Hyundai Motor Finance contract and maturity statement, and Metro 2 compliance evidence, to support my claims.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a debt validation letter to which they only partially replied. Then I sent a cease and desist letter to which they replied that they didn't understand and requested more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IN

Complaint narrative:
I am disputing a {$2100.00} debt being collected by XXXX. XXXX XXXX for The XXXX on Main / XXXX XXXX XXXX XXXX. This is the first notice I have received of any alleged balance since vacating in XX/XX/XXXX. 

For over a year before moving out, I submitted multiple written complaints about unsafe and uninhabitable conditions, including repeated XXXX, drug use, unsanitary conditions ( human waste in common areas ), and ongoing noise disturbances. Emails from XX/XX/XXXX and XX/XX/XXXX show my repeated complaints and requests for resolution. 

Due to these conditions, I informed management I could not maintain my lease. On XXXX XXXX, XXXX, I emailed the property XXXX requesting that any move-out fees be waived due to the hazardous living conditions. The XXXX acknowledged my request in writing and said she would review it. I had multiple conversations with management as I was moving out and completing the necessary documents, to which I was told verbally that the fees were waived. Based on this, I vacated in good faith and was verbally assured my account would be clear. 

I monitored my XXXX XXXX for over XXXX months after moving out and saw no balance due. Indiana XXXX XXXX requires landlords to return a security deposit or provide an itemized damage list within 45 days. I received no such notice. 

Without any prior billing or validation, the account was sent to collections in XXXX XXXX. On XX/XX/XXXX, XXXX. XXXX sent me a letter adding {$100.00} interest in XXXX hours, citing 008.00 % per annum, which appears deceptive under FDCPA 1692e ( 2 ) ( A ). They have also contacted my mother, a third party, in violation of FDCPA 1692c ( b ).

I request CFPB intervention to : Cease all collection activity until the debt is validated. 

Remove the debt from any credit reporting. 

Require full proof of charges, interest calculation, and prior notices. 

Ensure compliance with FDCPA and Indiana landlord-tenant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation