vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland credit management has been sending me notices of taking legal action for credit cards that are either old or we were part of identity theft. They are fed- ex me mail and calling and threaten to garnish my paycheck. They have collected information from my credit report and is trying to use that information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Subject : Request for Immediate Removal of Fraudulent Items Under FCRA 605B Dear [ Credit Bureau Representative ], I am writing to formally request the immediate removal of fraudulent items from my credit report as a victim of identity theft, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). 
The following accounts were fraudulently opened in my name and must be permanently blocked and removed : Affirm Opened : XX/XX/year> Fraudulent Amount : {$460.00} ( Account # : XXXX ) BANK XXXX XXXX Account # : XXXX Fraudulent Amount : {$100000.00} XXXX Account XXXX : XXXX Fraudulent Amount : {$35000.00} XXXX XXXX XXXX Account # : XXXX opened XX/XX/year> Additionally, the following fraudulent addresses associated with my identity must be deleted from my credit file : XXXX XXXX XXXX, XXXX, TX 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 2025-06-25 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/year> I noticed some unauthorized charges I notified the bank and the agent clearly stated she had all charges on dispute on XX/XX/year> I recieved denial from the bank I called and explained to them that all of the charges were not submitted and why was it denied the supervisor then created a new dispute and filled an appeal on the original denied dispute less than 72 hours I was ruled in my favor for the charges that were missing from the original dispute. They mishandled my claim and each time I call they deny me supervisor access and continue to esculate mycliaim. I ask them to provide the ways they investigate my claim how can they deny one but approve the other which was obviously suppose to be on the original claim I submitted a report to them I made to the sheriff and thats still not good enough for them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am Confused I received a Response From Commenity Bank on XXXX XXXX Stating that the application was denied due to me stating that I had previous negative experience with Commenity bank or XXXX XXXX XXXX I would like proof of the negative experience, Not sure how they were able to now verify my identity I provided SSN card, Dl and Proof of address. I have uploaded a letter from Commenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$57.00}

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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I booked a hotel through XXXX in early XXXX using my Chime card. The XXXX app stated the charge would not go through unless confirmed. However, after submitting the booking, the charge went through immediately. I contacted Chime that same day ( around XX/XX/XXXX ), and they told me I would not be charged. They cancelled my card and said the transaction would not go through. 

Despite this, several days later, I saw that XXXX still charged my account. I contacted Chime again, and they issued a temporary credit and opened a dispute. That dispute was denied on XX/XX/XXXX, and the temporary credit was reversed. I submitted additional evidence, including the script of two voice recordings from hotel employees confirming that the hotel had refunded the money to XXXX. I also submitted screenshots confirming that the hotel emailed XXXX directly. Chime denied the dispute again. 

I reopened the dispute on XX/XX/XXXX, after XXXX finally admitted they received the refundbut only after I reported them to the XXXX  and CFPB. Prior to that, XXXX repeatedly denied receiving the refund despite direct confirmation from the hotel. 

I also sent Chime an email from XXXX stating that I should now get the refund through the bank. Still, Chime is telling me I must wait up to 90 days for resolutioneven though both XXXX and the hotel have confirmed the refund exists. 

As a result, my Chime account has been in the negative for almost {$200.00}, and I am currently experiencing an extreme financial crisis. The negative balance is making my situation worse, and despite explaining this to Chime, they have shown no urgency or concern. 

I am asking the CFPB to help by : 1. Requiring Chime to immediately refund or temporarily credit my account 2. Reversing the negative balance while the case is under investigation 3. Holding Chime accountable for ignoring proof of the refund and the financial harm caused by their inaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c-2 ) that you, the XXXX  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. 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 XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2025-06-25 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. 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to XXXX XXXX asking for validation with no response. This is what I'm am asking for. 
According to Fair Debt Collection Practices Act, 15 USC 1692g, stating that your claim is disputed and validation is requested. 

Please provide me with the following information : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
Verification that you are authorized to collect on this debt.

Proof that I am indeed the party you are asking to pay this debt.

Any documentation showing that I agreed to pay the debt.

I also asked for this disputing with Equifax, but they came back verified without providing me the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-25 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX and reflected on my report with TransUnion Consumer Solutions. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization.

I submitted a formal dispute with TransUnion Consumer Solutions, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose.

Despite my dispute, TransUnion Consumer Solutions responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like Cushman v. Trans Union Corp.

Additionally, the actions of TransUnion Consumer Solutions and XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

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 2025-06-25 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: OH

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

1681c-2 ) that you, the XXXX  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. 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 XXXX OH XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} INQUIRIES : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
b'To: American Express Executive Customer Relations\nSubject: Urgent Request for Reinstatement or Compensation for Forfeited Membership Rewards Points\n\nDear American Express Executive Team,\n\nI am writing to formally express my concern regarding the recent closure of my American Express XXXX XXXX XXXX  and the forfeiture of my Membership Rewards balance totaling approximately XXXX points.\n\nOn XXXX XXXX XXXX, I received an email from American Express stating that the XXXX XXXX XXXX  (XXXX) products would be discontinued and that my account would be suspended and closed by XXXX XXXX XXXX. The message further stated that any unredeemed Membership Rewards points would be forfeited upon closure.\n\nWhile I understand that product discontinuations can happen, I believe the handling of this transition was deeply unfair and inconsistent with the standards Ive come to expect from American Express. Specifically:\n\t1.\tI was not offered any option to transfer my points to another eligible Amex product.\n\t2.\tThere was no clear or facilitated path to redeem or retain the points prior to closure.\n\t3.\tA balance oXXXX XXXX  points, which holds an estimated value of XXXX to XXXX  USD, was permanently forfeited despite years of loyalty ( since XXXX), and responsible card use.\n\nGiven the substantial value involved, and the lack of reasonable redemption options, I respectfully request one of the following:\n\n Reinstatement of my Membership Rewards balance, or\n Equivalent compensation, either in the form of a statement credit or transferable rewards.\n\nIf no resolution can be provided, I intend to pursue this matter through formal complaints with the Consumer Financial Protection Bureau (CFPB), the XXXX XXXX XXXX  (XXXX), and relevant financial authorities in my jurisdiction.\n\nI would appreciate a prompt response to this issue. My loyalty to American Express over the years makes this outcome particularly disappointing, and I hope you will consider a resolution that reflects the values your company promotes.\n\nSincerely,\nXXXX XXXX\nCard Number  XXXX  \nMy contact number \nXXXX XXXX XXXX ( XXXX)\XXXXr'

Company response to consumer: Closed with explanation