vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Opportunity Financial, LLC
State: MN

Complaint narrative:
XXXX {$530.00} I disputed it's not my account XXXX {$400.00} I dispute it's not my account also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX {$530.00} I disputed it's not my account XXXX {$400.00} I dispute it's not my account also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am submitting this complaint against Midland Credit Management regarding an account currently appearing on my credit report with a reported balance of {$1100.00}, listed under Account # XXXX. This account is marked as a Debt Buyer Account and reported as a collection, which is damaging my credit.

I have disputed this account and requested full validation and legal proof that Midland Credit Management has the right to report and collect this debt. They have failed to provide : The original signed agreement bearing my name A complete and unbroken chain of title showing legal ownership The purchase agreement proving they legally acquired the debt Confirmation of the accounts securitization status A full itemized breakdown of how the {$1100.00} balance was calculated Despite not validating the debt or proving legal ownership, Midland continues to report this collection account and verify it with the credit bureaus, which is a clear violation of : FCRA 609 ( a ) ( 1 ) Right to request all records and contracts FCRA 611 Failure to conduct a reasonable investigation FCRA 607 ( b ) Reporting inaccurate and unverified information FCRA 611 ( a ) ( 7 ) Refusal to provide method of verification FDCPA 809 ( b ) Continuing collection efforts without validation FDCPA 807 Misrepresenting the legal status of a debt What I Am Demanding : 1. Immediate deletion of Account # XXXX and the {$1100.00} balance from all credit bureaus 2. A final letter from Midland confirming the account is permanently closed, will not be collected on, and will not be resold or reinserted 3. No further contact from Midland Credit Management or any affiliated third party Unless Midland can fully validate this account with original documentation, the reporting is unlawful and must be removed immediately under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the XXXX account ending in XXXX, which was fraudulently opened in my name without my knowledge, authorization, or consent. I am a victim of identity theft, and this account is one of multiple accounts fraudulently established using my personal information. 

I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ), which clearly documents this XXXX account as part of a broader identity theft case involving several creditors. A copy of this report is enclosed for your review. 

Additionally, I am being represented by an attorney who is actively working on my behalf. A letter from my attorney, who is contacting all creditors involved in this fraud, is included in the supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are legally obligated to block and delete all information from my credit file that results from identity theft. Furthermore, under FCRA 1681g ( e ), you are required to provide a description of the procedures you used to verify the accuracy of this account when disputed.

Please note that while my drivers license displays my previous address, I have included a recent utility bill as valid proof of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened a new checking account with Hancock Whitney with a promotion for a {$200.00} bonus after three monthly direct deposits. I have met the requirements of the promotion, but the bonus has not been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Refusal to Submit Social Security Card | Demand for Immediate Action To Whom It May Concern : This letter serves as a formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the unauthorized block or freeze that has been placed on my Equifax credit file.

Your recent demand for a copy of my Social Security card is both inappropriate and excessive, particularly when I am providing sufficient alternative documentation for identity verification. I am refusing to submit my Social Security card, and you are not entitled under federal law to demand it as a condition for fulfilling your statutory duties under the FCRA.

I am providing the following documents, which satisfy all verification requirements : A valid, government-issued drivers license A recent utility bill confirming my name and residential address These documents are fully compliant with Equifaxs own published identity verification guidelines and are more than sufficient to process this dispute. There is no statutory basis under the FCRA for Equifax to delay, deny, or condition a reinvestigation or correction of my file based on refusal to provide a Social Security card.

DEMAND FOR ACTION : Remove any unauthorized block or freeze from my credit file immediately, or Provide documented proof that I personally requested or authorized the restriction, including a copy of any signed request or associated IP log, date, and time.

Failure to take appropriate corrective action within the 30-day statutory deadline will constitute a willful violation of the FCRA. I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. I also reserve the right to initiate civil litigation for any ongoing harm, obstruction, or negligent handling of my file.

This is your opportunity to correct an error. I strongly recommend Equifax takes this matter seriously. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 XXXX XXXX XXXX XXXXXX/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 2025-07-17 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:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of charcter ). XXXX XXXX XXXX Balance {$25000.00}, XXXX XXXX Balance {$22000.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$480.00}, XXXX Balance {$850.00}, XXXX XXXX Balance {$740.00}, XXXX  XXXX Balance {$150.00}, XXXX  XXXX Balance {$420.00}, XXXX  Balance {$210.00}, XXXX  Balance {$210.00}, XXXX  Balance {$1600.00}, XXXX  Balance {$530.00}, XXXX XXXX XXXX  Balance {$3300.00}, XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX XXXX XXXX Balance {$2000.00}, 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 2025-07-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of charcter ). XXXX XXXX XXXX Balance {$25000.00}, XXXX XXXX Balance {$22000.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$5000.00}, XXXX XXXX {$480.00}, XXXX Balance {$850.00}, XXXX XXXX Balance {$740.00}, XXXX  XXXX Balance {$150.00}, XXXX  XXXX Balance {$420.00}, XXXX  Balance {$210.00}, XXXX  Balance {$210.00}, XXXX  Balance {$1600.00}, XXXX  Balance {$530.00}, XXXX XXXX XXXX  Balance {$3300.00}, XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX XXXX XXXX Balance {$2000.00}, 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information currently appearing on my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be incorrect, and you are legally required to investigate and respond within 30 days of receipt of this letter Disputed Account information : EXPERIAN These are the names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the credit bureau is required to complete a reinvestigation of disputed information within 30 days of receiving notice. That time has passed, and I have not received a proper response or resolution. I am requesting that the CFPB ensure my rights are enforced and that this issue is resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
I was reported as 30 days late to the credit bureaus on my mortgage for the month of XX/XX/year>, when I had made a short payment due to a change in escrow. I was not made aware of the short payment until I received a letter that my mortgage was in default on XX/XX/year>. I had not missed a payment before and I have not missed a payment since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-17 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : 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 2025-07-17 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: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit equifax permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove these inquiries from my report. 

XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I purchased {$380.00} in crypto. 
They forwarded this money while my bank deposits were made. 
Account was flagged for suspicious activity and they needed additional info. 
I provided all infow including ID, selfie, bank statements. 
They refuse to add any of my XXXX bank accounts. 
{$20.00} charge for XXXX was made on my binance us account on XXXX, which I did not make. 
They did not refund this and keep saying someone will review it.

Company response to consumer: Closed with explanation