vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MCMC Auto LTD
State: CA

Complaint narrative:
This company was fraudulent with the way they handled my account and the possession of my vehicle. They never gave me any updated information of breaching any contract. They continue to report negative inaccurate information on my credit causing my credit to suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate/Unverified Accounts Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. These accounts are reported inaccurately and/or can not be verified. Please conduct an investigation and provide documentation proving their validity. If you can not verify, please remove them from my credit file immediately. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$820.00} Date Opened : XXXX/XXXX/XXXX  Please send me the results of your investigation, along with any supporting documentation you used to verify the accuracy of these accounts. If you are unable to verify any of the above information, I request that the unverified account ( s ) be deleted from my credit report. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-08 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to dispute the unlawful reinstatement of the following account, which was previously removed from my credit file, and has now reappeared without notification or valid reinvestigation, in violation of the Fair Credit Reporting Act ( FCRA ) : Account in Dispute : DISCOVERC Potentially Negative Balance : {$2400.00} Balance last updated : XX/XX/year>2025 Under FCRA 611 ( a ) ( 5 ) ( B ), once an item is deleted from a credit file, it may not be reinserted unless : The information has been certified by the furnisher as accurate, and The credit bureau notifies the consumer in writing within 5 business days of the reinsertion To date, I have not received any written notice of this account being reinserted, nor any documentation proving its accuracy or validity. Therefore, this reinstatement is unlawful and must be addressed immediately.

Furthermore, this account was also removed from XXXX, reinforcing the fact that it either can not be verified or should no longer be reported.

I am demanding the following : Immediate deletion of this Discover account from my XXXX  report Written confirmation of the deletion within 72 hours Full reinvestigation under e-OSCAR protocols, as this dispute is being filed through the CFPB If this account is not removed within 72 hours, I will initiate : Legal action under FCRA 616 and 617 for willful and negligent noncompliance A formal complaint to the FTC Escalation to the State Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$19000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$19.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXXXXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XX/XX/XXXX - {$1900.00} XXXX XXXX - XX/XX/XXXX - {$7100.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$39000.00} XXXX XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$3300.00} XXXX - XX/XX/XXXX - {$2200.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

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

Complaint narrative:
violation of rights, using my personal information for profit and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
violation of rights, using my personal information for profit and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
This collection account was previously removed from my XXXX  credit file after a dispute. I filed a CFPB complaint at that time requesting that XXXX  and XXXX  remove the same account, using the TransUnion deletion as proof that it was inaccurate. 

On or around XX/XX/scrub> 2025, the account was reinserted into my XXXX  report. I did not receive any advance written notice of reinsertion as required under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) ( B ). This is a direct violation of my consumer rights.

Under the FCRA : A previously deleted account may not be reinserted unless the furnisher certifies its accuracy.

The credit bureau must provide the consumer with written notice of the reinsertion within 5 business days of the reinsertion.

I am requesting : 1. Immediate deletion of this account from all credit bureaus ( XXXX XXXX XXXX ).

2. Written proof of the furnishers certification of accuracy used to justify the reinsertion.

3. A statement confirming that my rights under FCRA will be respected moving forward.

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

Complaint narrative:
I received a collection notice from I.Q. Data International on XX/XX/XXXX regarding a debt allegedly owed to XXXX XXXX. Since my balance with XXXX XXXX was {$0.00} at the end of my lease period ( XX/XX/XXXX ), this debt is inaccurate. XXXX made no mention of any outstanding balance when we were last in contact on XX/XX/XXXX and XXXX, XXXX. 

I disputed the debt via certified mail on XX/XX/XXXX ( delivered XX/XX/XXXX ), requesting validation. XXXX. XXXX XXXX did not respond until XX/XX/XXXX providing only a vague document with no supporting documentation from XXXX XXXX. Despite the lack of proper validation, I.Q. Data International reported the debt to all three credit bureaus on XX/XX/XXXX, causing a XXXX drop in my credit score. XXXX has since deleted the tradeline based on my evidence. 

I subsequently resolved the matter directly with XXXX XXXX. XXXX confirmed in writing that the debt was paid in full, was not supposed to be placed in collections, and instructed I.Q. Data International to recall the account and request full deletion from all credit reports. I have a copy of XXXX email to I.Q. Data International making this request.

Despite the original creditors written confirmation and request, I.Q. Data International has not deleted the collection account from my credit reports. I also mailed a third formal dispute letter requesting deletion to I.Q. Data International with a copy of XXXX 's email on XX/XX/XXXX, which was received by them on XX/XX/XXXX. Their continued reporting of this account is knowingly false and inaccurate and violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request the immediate deletion of this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: NC

Complaint narrative:
In XXXX of XXXX, I was approved to borrow {$1200.00}. I have been paying over {$160.00} monthly on this loan and still as of XX/XX/XXXX owe {$1000.00}. 
They contribute very little towards the principal. At this rate, I will never get this loan paid off. In my calculations, I will have paid over {$3000.00} for a {$1200.00} loan. This is so unfair and predatory lending practices. I am struggling to pay my current bills and this loan continues to be a XXXX cloud over my finances. I do not know what to do. These places should not be allowed to financially destroy people this way. There needs to be a class action lawsuit. They are taking advantage of those currently struggling. Surprisingly, I feel they know exactly what they are doing because I looked even deeper into paperwork and they make you sign forms stating you will not be a part of a class action lawsuit that may be brought against them. This is a major indicator that they are fully aware of their predatory practices and behavior. 
Please do something for us! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00}

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

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00}

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 2025-08-08 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MO

Complaint narrative:
What happened : On XX/XX/year>, I used the Crypto.com mobile app to open a leveraged XXXX position. I am an experienced user of their leverage trading function and understand slippage, margin, and liquidation rules. Shortly after opening the trade, the app malfunctioned in a way that prevented me from closing my position : The closing price display was frozen at XXXX for over XXXX hours. My XXXX was stuck at XXXX despite significant real-time market movement. 
Multiple attempts to close my position resulted in an endless loading screen. I was completely locked out from closing manually. 
During the malfunction, XXXXXXXX XXXX XXXXXXXX by more than {$300.00} enough that I should have been able to close at a profit. 
I contacted Crypto.com support immediately and followed all instructions given, but the problem was not fixed. 

Ultimately, the position was automatically knocked out and closed at a loss of {$400.00}. The only reason I could not exit the trade was because of the documented technical malfunction of their platform. 

Evidence provided : Screenshots showing the frozen price and stuck P/L. 
Screenshots of repeated failed attempts to close the trade. 
Full chat transcript with Crypto.com support during the incident. 

Crypto.coms response : They have refused to reimburse me, stating the app was fine on their end, despite my real-time documentation and evidence. 

What I want : XXXX. A full reimbursement of the {$400.00} lost as a direct result of their app malfunction. 
XXXX. Confirmation that they will investigate the technical failure to prevent similar losses for other users. 

This loss was not caused by market volatility or user error it was caused entirely by a technical issue on Crypto.coms platform that they failed to resolve while it was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account has appeared on my credit report that I did not open, authorize, or approve. I have never had any relationship with the creditor reporting this item, and this inaccurate entry is negatively affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES :

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am disputing a delinquency reported by Chime on my credit report. I spoke with a representative who acknowledged the negative report was added in error and stated it would be removed. Despite this, it still appears on my credit report, which is now affecting my ability to secure a mortgage for my family. Ive attempted to resolve the issue directly with Chime, but was disconnected during my last call without resolution. Im requesting that the CFPB assist in removing this inaccurate negative mark from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am disputing the reporting of a late payment on my credit file that I believe to be inaccurate. I have never submitted a late payment on this account, and this entry is unjustified.

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 2025-08-08 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:
I am writing to dispute a late payment inaccurately reported on my credit file. This entry does not reflect my actual payment history.

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 2025-08-08 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: PA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THE FOLLOWING FRAUDLNET ACCOUNTS XXXX XXXX OPENED IN XXXX, XXXX XXXX XXXX XXXX OPENED XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MUST BE REMOVED FROM MY CREDIT REPORT. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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