vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Account Number : XXXX Balance : {$1200.00} Debt Collector : Midland Credit Management Issue : Ignored debt validation request ; refusal to accept reasonable settlement Details : I sent a debt validation request via certified mail on XX/XX/year>. The collector never responded, which is required under the Fair Debt Collection Practices Act ( FDCPA ). 
I attempted to negotiate a settlement for the account. I offered {$100.00}, a reasonable amount considering the debt was likely purchased for pennies on the dollar. 
The collector refused the settlement offer and has insisted on full-balance payment or payment plans I can not afford. 
Their failure to respond to validation requests and refusal to negotiate a reasonable settlement violates my rights under the FDCPA and is causing stress and financial uncertainty. 

Requested Resolution : Provide proper debt validation in writing. 
Respond with the lowest total settlement amount that can be accepted as full and final payment. 
Confirm that once the account is settled, it will be marked Paid in Full and/or removed from all credit reporting agencies. 
Cease any collection attempts until the account is properly validated and a written resolution is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
In XX/XX/year>, I was the victim of an elaborate scam in which an individual used deception and harassment to coerce me into sending money through my Chime account. The scammer concealed their true identity and induced the transfer under false pretenses. 

I reported the unauthorized and coerced transactions to Chime immediately in XX/XX/year>. Chime investigated and denied my dispute. I believe this decision was incorrect and that Chime failed to follow proper procedures under the Electronic Fund Transfer Act ( Regulation E ). 

The transactions were not authorized they were obtained through fraudulent inducement and coercion, which should have qualified for protection under Regulation E. Chime also did not provide a provisional credit or adequate explanation of their investigation results. 

I am requesting that the CFPB review this case and encourage Chime to reopen the dispute or provide voluntary reimbursement based on new information and the circumstances of coercion and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was informed that letters were sent on XX/XX/XXXX and XX/XX/year>, notifying me that my credit card accounts would be closed the following month. However, I never received those letters. In contrast, I did receive XXXX emails from Capital One : XXXX on XX/XX/year>, stating I had until XX/XX/XXXX to make a payment, and another on XX/XX/year>, stating I had until XX/XX/XXXX to pay the second account. Like many customers, I rely primarily on email communication for timely and reliable updates, especially since physical mail can be delayed or lost. Based on those emails, I believed I still had time to act and avoid closure. In early XXXX, I proactively reached out to Capital One to ask if anything could be done to keep the accounts open. I even offered to pay both balances in full. These accounts represent my oldest lines of credit and are important to my credit history. I was told someone would follow up - yet no one ever did. Instead, I later received a letter stating the accounts would remain closed. Ive followed up at least twice by phone ( though I dont have the exact dates ), and eventually sent an email to the executive office, attaching the email communications I had received and explaining what I believed to be violations of fair communication practices. I received a mailed response, again confirming account closure, with no acknowledgment of the miscommunication or errors in customer service. While I acknowledge that I missed payments, I also communicated clearly to staff during this difficult time. I asked that it be noted on my account that my husband was in a major accident, his insurance went bankrupt, we lost our only vehicle, we were robbed by a neighbor, a tree fell on our home, and I experienced a XXXX without insurance. Despite all that, I continued making payments until I genuinely forgot. Ive had XXXX of these cards for nearly XXXX years with a perfect payment history until this recent period. To have the accounts closed - without recognizing the evident breakdown in communication - and without any willingness to explore a solution, feels dismissive and unfair. This decision significantly affects my credit profile, and I am simply asking for accountability and a good-faith effort to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 2025-11-04 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XXXX 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 2025-11-04 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:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is to formally submit a complaint against Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have submitted XXXX formal disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all concerning inaccurate, outdated, or unverifiable information contained in my consumer credit report. 

Despite providing detailed documentation and clear explanations demonstrating that multiple accounts were erroneously reportedincluding a XXXX XXXX XXXX  allegedly verified through XXXX or the XXXX XXXX  XXXXEquifax continues to report these items as verified, without providing evidence of verification or correcting the disputed data. 

I have received an official letter from the XXXX XXXX XXXX XXXXXXXX for the XXXX XXXX XXXX XXXX, stating unequivocally that the court does not verify or report bankruptcy data to credit reporting agencies. Additionally, I have confirmation that my XXXX consumer file has had a security freeze in place since XX/XX/XXXX. Therefore, it is impossible for XXXX to have lawfully verified any data, and any claim to the contrary by Equifax is unfounded. 

I am not merely requesting a partial investigation into certain accounts ; rather, I insist on a thorough and meticulous examination of each account detailed below. Any discrepancies or missing information that I identify must be investigated fully and rectified promptly. Moreover, if there are errors or omissions that you observe and I have not mentioned, please address them accordingly or delete the entire account. 

I will clearly outline each account and specify the inaccuracies or deficiencies that I believe exist. Your commitment to investigating all identified issues is greatly appreciated. It is imperative that every error, including incomplete information, is rectified across all accounts, or those accounts should be deleted if corrections can not be made. 

Furthermore, transparency is essentialI expect full disclosure of all information contained in my file, and I demand that every detail therein is entirely accurate, complete, and verifiable. 

I am requesting that the Consumer Financial Protection Bureau compel Equifax to delete the following disputed and unverified items or to ensure they provide concrete documentation from the original furnishersnot third-party vendorsto justify continued reporting. 

Enclosed are copies of my the letter from the XXXX  XXXX, my XXXX freeze confirmation, and my license. 

Thank you for your time and support in ensuring the integrity and accuracy of consumer credit reporting. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I am requesting a review of the Experian credit report, as I believe some charged-off accounts may not have been properly reported, and there are late payment entries that need to be accurately reflected. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$6900.00} XXXX - XXXX, XX/XX/XXXX, {$7700.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$620.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$740.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$2600.00} LATE PAYMENT 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 2025-11-04 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:
I contacted the credit bureaus again about the information that is showing on my credit report, and it has not been removed or updated in accordance with the law. The law specifically states in plain language that once I invoke my " RIGHTS '' UNDER THE FAIR CREDIT REPORTING ACT, TO INCLUDE 15 U.S.C 1681C-2 ( FCRA 605C ), 1681I ( A ), 1681E ( B ), AND 1681C ( B ) AND UNDER THE TRUTH IN LENDING ACT 15 U.S.C. 1666 ( B ) AND REGULATION Z ( 12C.F.R 1026.5 ( B ) ( 2 ) ( ii ) ( a ). that pursuant to 15 U.S.C. 1681c-2 THAT THEY ARE REQUIRED TO BLOCK AND DELETE ALL INFORMATON IDENTIFIED AS RESULTING FROM IDENTITY THEFT WITHIN FOUR ( 4 ) DAYS OF RECEIVING A VALID IDENTITY-THEFT REPORT, PROOF OF IDENTITY, AND A WRITTEN REQUEST FOR BLOCK OR DELETION, FAILURE TO DO SO AND CONTINUED REPORTING OF SUCH DATA CONSTITUTES WILLFUL NONCOMLIANCE WITH 1681C-2 AND 1681i ( a ), and is subject to civil penalties under 1681n and 1681o. 

I have sent reports to all three ( XXXX ) bureaus with no updates, TransUnion only removed XXXX ( XXXX ) of the XXXX bankruptcies on my report even after receiving documentation that the information is not mines. 

The continued billing errors and misinformation and billing errors of late payments continue to adversely affect me and my household.

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 2025-11-04 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: CO

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 2025-11-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-04 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: AZ

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXXXXXX XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-04 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: TX

Complaint narrative:
Kindly assess the given materials ; these inquiries surfaced abruptly and may not have been sanctioned.

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 2025-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
I've been trying to verify my identity since XX/XX/year>. Every time I call they tell me, I have to verify my identity and there's a XXXX and XXXX hours wait between time end up my ideas have been stacked up.But I've been waiting for my card.Because I have no money and they will refuse to work with me.Telling me they never received my ID.When I sent it multiple times telling me that I have the right email address.I want this address immediately.So I can get my won't answer the phone at all

Company response to consumer: Closed with monetary relief