vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MN

Complaint narrative:
I am submitting this formal complaint because a completely inaccurate and unauthorized address is being reported on my credit file, which raises serious concerns about the accuracy, privacy, and security of my personal information. 

The following address is NOT mine, and I have never lived at, worked at, or been associated with this location in any capacity : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Wrong Address This erroneous address is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Reporting an address that has no legitimate connection to me is negligent and exposes me to potential identity theft, mixed-file issues, and other serious consequences.

I am requesting the following actions immediately : Conduct a full reinvestigation into how this inaccurate address was added to my credit file. 

Delete this address immediately, as it is incorrect, unverifiable, and not associated with me in any way. 

Provide me with written confirmation of the deletion and an updated version of my credit report. 

Provide documentation explaining which furnisher, if any, supplied this address and how it was verified. 

This issue has already caused significant concern and undermines the reliability of my credit profile. I expect full compliance with FCRA timelines and procedures. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and written confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MN

Complaint narrative:
I am submitting this formal complaint because my consumer report contains multiple inaccurate personal identifiers and unauthorized credit inquiries, which are causing harm, confusion, and potential identity-related risks. These issues violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 609 ( a ), which require consumer reporting agencies and furnishers to maintain maximum possible accuracy and provide only verifiable information.

1. Incorrect / Fraudulent Addresses Reporting on My Credit File The following addresses do not belong to me, I have never lived there, and I have zero association with them. Their presence on my consumer report indicates inaccurate reporting and potential mixed-file issues : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Wrong Address These addresses are unverifiable, unauthorized, and completely unrelated to me. 
Under FCRA 609 ( a ) and FCRA 610, I demand that these inaccurate addresses be removed from my consumer file immediately.

2. Unauthorized & Unverified Hard Inquiries The following companies conducted hard inquiries on my credit report without my knowledge, permission, or any permissible purpose under FCRA 604 : XXXX XXXX XXXXXXXX Inquiry dated XX/XX/year> XXXX FIN Inquiry dated XX/XX/year> XXXX  XXXX Inquiry dated XX/XX/year> I did not apply for credit, authorize any application, or grant these entities permission to access my consumer report.

Therefore, these inquiries are unauthorized, unverified, and must be removed.

Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), a creditor must provide a permissible purpose BEFORE obtaining a consumer report. Since these companies can not provide signed consent or proof of application, these inquiries must be deleted.

3. Requested Action I request that CFPB assist in compelling the credit reporting agencies and furnishers to : Remove all inaccurate addresses listed above. 
Delete all unauthorized credit inquiries listed above.

Provide written confirmation of : The investigation results What information was deleted The method and evidence used to verify any item they choose to keep 4. Harm Caused These inaccuracies have caused : Confusion and potential identity-mixing Unfair lowering of my credit score Stress and hardship Violation of my rights under the FCRA I am requesting immediate intervention to correct these issues and ensure my file contains only accurate, verifiable, and authorized information. 

Thank you for your prompt attention.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXXXXXX XXXX XXXX XXXX  CA ) and XXXX XXXX XXXX for improper billing, failure to process cancellation, and attempts to collect a debt that is not owed. 

I signed a membership agreement on XX/XX/year> ( Agreement # XXXX ). The contract states that after the initial term, the membership can be cancelled with a 30-day written notice. It also states that cancellations beyond 5 business days must be processed using a cancellation form provided by XXXX XXXX. 

I attempted in good faith to cancel my membership, but XXXX XXXX refused to respond, did not provide the required cancellation form, and did not acknowledge any of my communications. This prevented me from completing cancellation through the method required by the contract. 

I did this multiple times to cancel my membership, both in person and through their provided contact methods. The gym does not respond, does not process cancellations, and continues to bill customers even after accounts are closed. This is a widespread issue documented by many other former members in public reviews. 

Despite multiple attempts to cancel and despite my payment card being closed, XXXX XXXX and/or its billing company continued to claim I owe money. They sent a Final Notice demanding {$78.00} and threatening debt collection. This alleged debt is invalid because the gym failed to honor California cancellation requirements and failed to process my cancellation request as required by the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I am submitting this dispute statement regarding my credit report for the accounts listed below. The following accounts have discrepancies that need to be addressed according to the Fair Credit Reporting Act ( FCRA ). Please review the disputed accounts and make the necessary corrections to my credit report. 

Charged-Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Summary of Issue : I am filing a new complaint because my original dispute with XXXX XXXX was misclassified and not properly investigated. The bank denied my claim on the grounds of quality of merchandise/service, but this is inaccurate. My issue is that the merchant failed to deliver the goods/services I paid for, which is protected under the Fair Credit Billing Act. 

Details : I paid for goods/services that I never received. 
I attempted multiple times to resolve the issue directly with the merchant, and they did not provide the product or issue a refund.

Capital One closed my dispute incorrectly by categorizing it as dissatisfaction with quality, which is not the case.

Because of this misclassification, Capital One stated they could not assist me, even though non-delivery is a valid basis for a chargeback. 
I submitted documentation showing that the merchant never delivered what was purchased. 

Why I am submitting a new complaint : My previous complaint ( ID : XXXX ) was closed based on Capital Ones response, but the underlying issue remains unresolved. The bank did not address the fact that the merchant did not provide the goods/services, which is the central issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
on XX/XX/year> I received in the mail a welcome letter from Concora Credit saying i was approved for a XXXX XXXX credit card with a {$1000.00} credit. that same day i received a bill form Concora credit stating that i charged {$970.00} to that new credit card. both the welcome letter and XXXX were dated XXXX did not open or approve this credit card. 
also, on XX/XX/year> i received a denial letter form XXXX XXXX card services saying they can not extend me credit. The bill shows XXXX different transactions from XXXX different stores, and they are in XXXX different states. Both are really far from me. I called Concora Credit and they suspended the account and started an identity theft investigation. they sent me a link to send the police report i filled along with other items i need to send including this report to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I had my bank account seized. I did not know what happened when I went to the bank they told me my bank account was seized and I could not use my money because of a court order. I have reached out an the have them hand to me the court order.

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 2025-11-13 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by MIDLAND CRED ( Midland Credit Management ) because the information they are furnishing appears to be inaccurate, unverified, and inconsistent across the credit reporting agencies. Midland Credit is reporting multiple derogatory accounts with past-due balances and severe delinquency histories, yet they have not provided any original documentation to support these claims. 

I submitted disputes to the credit reporting agencies requesting that Midland Credit provide full validation of each account they are reporting. I specifically requested the original creditor information, chain of assignment proving ownership of the debt, itemized billing statements, payment history, and any documentation used to justify the reported balances and delinquency dates. Instead of providing these documents, the bureaus responded with generic notices claiming the accounts were verified, without including any validation records or stating how the verification was performed. 

Midland Credit Management did not provide any original documentation to prove that the debts are valid or that the balances they are reporting are accurate. They did not supply proof of ownership, which is required when a debt is purchased or transferred. They also did not provide any breakdown showing how the balances were calculated or why they are reporting long periods of delinquency. 

Additionally, the information Midland Credit is reporting appears differently across the credit bureaus. The delinquency dates, status codes, and balance amounts do not match from one bureau to another, which indicates that the information is not being furnished consistently or accurately. If each bureau has different details for the same Midland account, then the reporting can not be considered reliable or properly verified.

The accounts also were not properly marked as disputed, even after my disputes were submitted. This omission violates federal reporting requirements and creates a misleading impression for anyone reviewing the credit file.

Because Midland Credit has failed to provide validation, is reporting inconsistent information, and has not demonstrated the accuracy or legitimacy of the negative data they furnished, I am requesting that the company and the credit reporting agencies conduct a full reinvestigation using original documentation and remove any Midland accounts that can not be verified with proper evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Expert Credit Sweeps
State: PA

Complaint narrative:
This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint because the credit reporting agency has refused to properly investigate multiple inaccurate and unverified items on my credit report. These errors are severely harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 611, and 623.

Despite disputing these items directly with the credit bureau, they failed to correct or remove the false information. I am requesting CFPB intervention to ensure proper reinvestigation and correction. 
Below is a full list of inaccuracies : Accounts Reporting Inaccurate Late Payments XXXX XXXX XXXXXXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Please delete it if it can not be verified with signed documentation. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX This charge-off does not belong to me and appears to be a case of mistaken identity or reporting error. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$8500.00} Date Opened : XX/XX/XXXX I do not recognize this account. Please remove it from my report if proper verification can not be produced. 
XXXX XXXX XXXX  High Balance : {$7900.00} Date Opened : XX/XX/XXXX I have no contract or agreement with this collector. Please delete this unverified account immediately. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$8800.00} Date Opened : XX/XX/XXXX I do not have any obligation with this entity. This entry must be deleted for being inaccurate. 
Unauthorized or Suspicious Hard Inquiries XXXX XX/XX/XXXX I have no record or application with this entity. Please remove this unauthorized inquiry. 
XXXX XX/XX/XXXX Duplicate or unauthorized inquiry. Please remove it. 
XXXX XX/XX/XXXX This is a repeated and unauthorized inquiry. Please delete it immediately. 
XXXX  XX/XX/XXXX I do not recognize this inquiry. Please delete it for being unauthorized. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : 1. Force the credit bureau to conduct a lawful reinvestigation.

2. Require deletion of any item they can not fully verify with proper documentation.

3. Ensure correction of false late payments, unauthorized inquiries, and wrong addresses.

4. Provide me with written, updated results.

These errors are harming my financial stability, preventing me from obtaining credit, and violating my consumer rights. 
Thank you for your assistance and immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: AL

Complaint narrative:
XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX To Whom It May Concern, I am writing to formally dispute the late payment reporting and payment issues that have occurred on my mortgage account. I have made every effort to submit my payments on time, and I am requesting that my account be reviewed and corrected.

Recently, I submitted my payments using money orders, based on instructions given to me by your representatives. This payment method was necessary because my auto-pay was temporarily unavailable due to my new card not being activated. Despite following the instructions given to me, my money order payments were returned by XXXX XXXX  without acceptance. 

Additionally, I was told that phone payments would not be allowed for a six-month period. However, your team later accepted a payment over the phone, which I have proof of in the form of receipts. This inconsistency has caused confusion and has directly affected my payment history. 

I am 100 % certain that I made my payments on time, and I am requesting the following : 1. A full review of the payments I attempted to make, including the money orders that were returned.

2. Correction of any late payments that were incorrectly reported due to these issues.

3. Written confirmation that my account has been updated to reflect on-time payments.

4. Assurance that my future payments will be properly accepted, as I intend to continue making all payments on time. 

I have attached copies of all available receipts, returned money orders, and any supporting documentation for your review. Please investigate and resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to a written response confirming that my account has been corrected.

Company response to consumer: Closed with explanation