vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX created fraudulent report to XXXX XXXX relating to account abuse this account was never abused. Infiltration union the XXXX XXXX XXXX XXXX credit card also reflected a balance of XXXX on XX/XX/XXXXXXXX  and was illegally reopened on the current month of XX/XX/XXXX. These are all illegal acts and predatory acts that violate my credit consumer rights XXXX  XXXX XXXXXXXX XXXX violated specific provisions of the FCRA or other consumer protection laws : Reporting inaccurate or incomplete information : If your XXXX  report contains errors that are not promptly corrected after a dispute, it may be considered a violation of your rights under the FCRA. 
Failure to reasonably investigate disputes : XXXX and the financial institution that provided the information are required to conduct a reasonable investigation into any disputed information within a specified timeframe ( typically 30 days ). If they fail to do so, it could be a violation. 
Failure to block identity theft-related information : Under FCRA 605B, XXXX  must block information resulting from identity theft within 4 business days of receiving appropriate documentation. Failure to do so could be a violation Systemic issues leading to unfair or unequal outcomes : Some reports suggest that the system 's design and implementation may lead to unfair and unequal outcomes, potentially with a disproportionate impact on certain demographics, such as XXXX consumers. This raises concerns about potential violations of fair lending and anti-discrimination laws. 
Conspiracy with bank to violate consumer laws : There have been class action lawsuits alleging that XXXX  conspires with banks to violate consumer laws by reporting vague, ambiguous, or inaccurate information, even when there's a legitimate dispute. 
Consequences of FCRA Violations : Actual damages : Damages incurred by the consumer. 
Statutory damages : Between {$100.00} and {$1000.00} per violation. 
Punitive damages : In cases of willful non-compliance or malicious conduct. 
Attorney 's fees and costs : If a consumer successfully sues under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
When I submitted a validation request, the first response I received included someone elses lease agreement. I sent a second request, and again, I was sent another individual 's lease agreement. According to the Fair Credit Reporting Act, this does not constitute proper verification, and therefore, the debt can not be legally attributed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am disputing the presence of unauthorized hard inquiries and fraudulent credit and collections on my accounts. I have attached an FTC report and have used U.S.C 1681i ( a ), U.S.C 1681c-2 and FCRA ( 608B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the presence of unauthorized hard inquiries and fraudulent credit and collections on my accounts. I have attached an FTC report and have used U.S.C 1681i ( a ), U.S.C 1681c-2 and FCRA ( 608B )

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 2025-07-31 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: LA

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 four 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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-31 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: LA

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 four 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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Im submitting this complaint because American Express is trying to charge me {$29.00} for a failed payment attempt from a new bank account I added. I entered all the correct banking information, and I have screenshots as proof. The issue is not due to any error on my part.

When I contacted customer service, I was first speaking to an agent who eventually transferred me to a supervisor. The supervisor confirmed that the account information I entered matched their records ( they only mentioned the last XXXX digits, but everything was correct ). Yet they still claim the payment failed and are now trying to charge me {$29.00}. 

This is unfair and feels like theft. I did my part and entered all the right information, and I was actively making payments on the card. In fact, I recently paid {$960.00} and another {$40.00} toward my Amex account. I was originally trying to make a {$15.00} payment, and now they are demanding {$29.00} in fees on top of the original {$15.00} even though the mistake was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due to a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loans due the unauthorized access to the Department of Education data systems by XXXX ( Dogecoin-related activities ) facilitated through XXXX XXXX  XXXX XXXX. This breach exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C 1232 ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C 552a ), and potentially the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). 

My personally identifiable information ( PII ) was exposed due to unauthorized access through Department of Education systems potentially linked to XXXX-related cyber incidents involving XXXX XXXX  XXXX XXXX, constituting a data breach on XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I learned I was being sued by Midland Credit Management in XXXX. I have made several attempts to get pertinent information for my review based on numerous concerns I had. No matter how much I asked, MCM would not provide me with the specific information. I then requested to go to Arbitration, which is my right listed under the terms and agreement in the " Arbitration Clause '' of the agreement. I submitted my motion to compel to arbitration in XX/XX/XXXX and filed with the XXXX on XX/XX/XXXX. MCM was made aware of this. However, MCM refused to pay their consumer fee, denying me of my right to go to arbitration, why they continued to pursue the debt in court despite me exercising my right to arbitration. My rights as a consumer has been violated under FDCPA by MCM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NE

Complaint narrative:
Harris and Harris XXXX has re-aged multiple debts originally delinquent around XXXX and is now reporting them as new ( XXXX ) to illegally extend their presence on my credit report. These include debts from XXXX This is a clear violation of the Fair Credit Reporting Act and has harmed my ability to get housing, credit, and financial assistance. I request removal of the incorrect accounts or correction to reflect the true dates of first delinquen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX XXXX XXXX XXXX  Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law.

I hank you much for your immediate attention to this urgent matter. 


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 2025-07-31 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Immediate Action Required. I demand the removal of this collection account from my credit report immediately unless you can substantiate its validity as required by law. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including a list of relevant documents, such as identification, proof of address, or any notices received. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance.

Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft.

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
b'I am submitting this follow up complaint in accordance with my rights under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports.\nThe following charge-off accounts are being reported on my credit files without proper verification or documentation:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I am submitting this follow up complaint in accordance with my rights under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports.\nThe following charge-off accounts are being reported on my credit files without proper verification or documentation:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
On XX/XX/2025, a wire transfer of {$85000.00} was sent to TD Bank under my name as the remitter, intended for my TD Bank business line of credit ( ending in XXXX ). 

As of XX/XX/2025, TD Bank has not properly credited or returned these funds, leaving my account unchanged and causing me to incur {$1600.00} in interest charges despite the wire being received nearly XXXX month ago. 

I am now requesting CFPB assistance to compel TD Bank to return these funds directly to me as the remitter, either by : Issuing a check made payable to me and overnight mailing it to my address on record, or Crediting the funds directly to my TD Business Premier Checking account ending in XXXX, at no cost for any associated transfer fees. 

Documentation of the wire transfer is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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

Company 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My SSN is incorrectly tied to someone elses identity, and that this is harming your access to financial services.

My information has wrongly been associated your SSN with a phone number owned by someone else.

Consent Violation : You never agreed to your phone account being tied to your SSN.

Financial Harm : I'm being denied in ACH transactions and account actions.

Privacy Breach : someone phone number is being tied with my SSN and as a result. 

Despite verifying my identity in person on the XX/XX/year> my transactions are denied. Despite calling 4 times I have been told the transactions have gone through only for them to fail. I can not even recover my own money because they are calling the wrong number incorrectly associated with my SSN to verify it which is hurting my livelyhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around XX/XX/year>, I discovered multiple fraudulent activities affecting my credit file. There have been numerous hard inquiries and attempts to open accounts in my name without my knowledge or consent, which are clear indicators of identity theft. I did not apply for or authorize these accounts. 

Specifically, the following accounts have been fraudulently reported : XXXX XXXX XXXX {$55.00} XXXX {$1200.00} XXXX XXXX XXXX. {$470.00} XXXX XXXX {$290.00} XXXX XXXX XXXX. - {$250.00} Closed not removed - XXXX - {$290.00} Closed not removed XXXX - {$600.00} XXXX all further distribution or sale of my personal data related to these fraudulent accounts. 
I have never opened or used any of these accounts, nor did I authorize any charges or collections related to them. These accounts do not belong to me and are inaccurately associated with my credit profile. 

I have formally requested that the creditors and all three major credit reporting agencies XXXX, TransUnion, and Equifax remove these items within XXXX ( XXXX ) days in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I have also requested verification and validation of these accounts, including written proof of where and how they obtained the information that falsely links these accounts to me. To date, no such validation has been provided. 

These fraudulent accounts and unauthorized inquiries are causing serious harm to my credit standing and financial well-being. I respectfully request immediate removal of all related negative reporting, inquiries, and collections.

Company response to consumer: Closed with non-monetary relief