vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, incomplete, and obsolete information on my credit reports despite my disputes, in violation of the Fair Credit Reporting Act. All three bureaus are publishing incorrect personal identifying information, including an inaccurate name and multiple incorrect addresses, which creates a serious risk of mixed files and misattribution. In addition, two closed XXXX XXXX  accounts with XXXX balances continue to be reported as late, even though the accounts are no longer active and no balance is owed. The bureaus are also reporting charge-off accounts from XXXX XXXX and XXXX XXXX without clearly verified balances, statuses, or accurate Dates of First Delinquency, as well as collection accounts from XXXX XXXX XXXX and XXXX XXXX  that have not been properly validated or verified. Despite my disputes under FCRA 611, the bureaus failed to conduct reasonable reinvestigations as required by 607 ( b ) and continue reporting information that may be obsolete under 605, resulting in ongoing harm to my credit profile, financial opportunities, and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 formally disputing the following accounts and inquiries due to potential data breach exposure, inaccurate reporting, and unverifiable entries on my Experian credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, Experian is required to maintain maximum possible accuracy and protect consumer data. These items must undergo an immediate reinvestigation, and anything that can not be fully verified must be deleted. 
Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$120.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$680.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$170.00} Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$57.00} Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$660.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$620.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$140.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$15.00} Account name : XXXX XXXX Account XXXX : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$500.00} Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$910.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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: CL Holdings LLC
State: MD

Complaint narrative:
RE : Jefferson Capital Systems , LLC XXXX XXXX XXXX Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to notify you that you have obtained a judgment against me under the false pretense that I was served with a lawsuit and failed to respond. You filed an affidavit of service that states I was served a summons and complaint at my home address on the XXXX day of XXXX, XXXX  at XXXX XXXX. I was not home at XXXX XXXX  on XX/XX/year>. And the person that is described in the affidavit of service is not an accurate description of me. I am including a copy of my drivers license so you can see that the affidavit does not describe me. So, if you were not aware before that your process server filed a false affidavit, now you know. The judgment is void and I expect you to vacate it. If you do not vacate it, then I will seek the redress of the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed below due to inaccuracies and potential unverifiable reporting on my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, Equifax is required to ensure that all data furnished on a consumer report is accurate, complete, and fully verifiable. Any entry that can not be substantiated through original documentation must be deleted immediately. 
Account Name : XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$400.00} Account Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$590.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$26.00} Account Name : XXXX XXXX Account Number XXXX XXXX XXXX : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX Balance : {$51000.00} Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Opened : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AN XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management XXXX XXXX a written debt validation request via certified mail pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). Midland Credit Management never provided validation of the alleged debt, including no signed agreement, no account statements, no chain of assignment, and no proof that it has legal authority to collect or report the account. 
Despite failing to validate the debt, Midland Credit Management continued collection activity by repeatedly furnishing the alleged account to Experian, Equifax, and TransUnion and by sending collection correspondence to me. Credit reporting constitutes collection activity, and such activity is prohibited until validation is provided. Midland Credit Management also failed to properly mark the account as disputed. 
I have retained copies of my credit reports showing Midland Credit XXXX continued reporting of this account for months after my validation request, as well as copies of collection letters sent during this period. 
Additionally, in or about XX/XX/year>, Midland Credit Management XXXX XXXX filed a civil collection lawsuit against me in Maryland state court arising from this same alleged account. I was never properly served in that action. Midland Credit Management did not prosecute the case, did not invoke arbitration, and the matter did not proceed to judgment. Despite this history, Midland Credit Management continues to report and attempt to collect the alleged debt without validation. 
Midland Credit XXXX conduct constitutes violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, including continued furnishing of inaccurate and unverifiable information after receiving notice of dispute. I am requesting that this matter be investigated and that Midland Credit Management be required to correct or remove the inaccurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/year>, I submitted a written request to Capital One, N.A. seeking verification and account documentation pursuant to the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 C.F.R. 1026 ). 

My request specifically demanded : The original, executed cardholder agreement governing the account at origination, including all amendments ; Copies of billing statements for the requested period ; A complete account history showing all payments, interest charges, finance charges, and fees from origination to present ; Verification of the accuracy and method of calculation of all finance charges and APRs applied. 

On XX/XX/year>, Capital One sent written correspondence stating that a copy of the Credit Card Agreement was enclosed. No such agreement was included with the mailing. Instead, the correspondence consisted primarily of conclusory statements asserting that the account was valid and that a contract exists, without producing the governing contract or the requested disclosures. 

Capital One continues to furnish information to consumer reporting agencies despite failing to provide documentation sufficient to verify the accuracy of the reported information. Why This Is a Problem? Capital Ones response fails to comply with federal law requiring creditors to maintain and provide accurate disclosures and records sufficient to substantiate finance charges, interest calculations, fees assessed, and credit reporting accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
I've had several accounts with them close them out and get no tax information they told me they can't provide it using my social security number for some reason. 

ssnXXXX. Bd XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 ask that the following late payment be taken off my credit report. This is a mistake on the bill. I never missed this payment. I always paid on time because my account is set up for automatic payments. Please always be on time. This letter has all the papers you need.

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 2025-12-15 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: AR

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, incomplete, and obsolete information on my credit reports despite my disputes, in violation of the Fair Credit Reporting Act. All three bureaus are publishing incorrect personal identifying information, including an inaccurate name and multiple incorrect addresses, which creates a serious risk of mixed files and misattribution. In addition, two closed XXXX XXXX  accounts with XXXX balances continue to be reported as late, even though the accounts are no longer active and no balance is owed. The bureaus are also reporting charge-off accounts from XXXX XXXX and XXXX XXXX without clearly verified balances, statuses, or accurate Dates of First Delinquency, as well as collection accounts from XXXX XXXX XXXX and XXXX XXXX  that have not been properly validated or verified. Despite my disputes under FCRA 611, the bureaus failed to conduct reasonable reinvestigations as required by 607 ( b ) and continue reporting information that may be obsolete under 605, resulting in ongoing harm to my credit profile, financial opportunities, and consumer rights.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and Capital Ones failure to honor the terms of a payment protection/hardship program I was enrolled in. I enrolled in Capital Ones payment protection/hardship program on or about XX/XX/XXXX and I also had to reenroll in XX/XX/XXXX and remained enrolled through my account closure. I enrolled due to a qualifying hardship ( job loss/layoff ). While I was enrolled and following the programs requirements, Capital One nevertheless reported late payments on my credit reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This late reporting contradicts the purpose and terms of the program I was enrolled in and has caused significant harm, including damage to my credit standing during an active auto-loan preparation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I tried to process a transaction with XXXX, it would take the money out of my account & then refund it. I tried to process it 3 times before I was told by a XXXX agent that thier system declines chime when trying to purchase something vs paying a bill. Shortly after I received a notification from chime saying that my account was restricted & I wasnt able to use my cards or move money around. I spoke with multiple agents who couldnt tell me anything but my account is restricted and its their systems security measure and that I would have access to my account & funds after XXXX. Once the XXXX hours was over I received a email saying that my account was closed. I again contacted their customer service who couldnt tell me anything but my account was closed they didnt know why & that I would not be receiving the funds that were in my account. Shortly after I received another email saying that I now have access to my account. But I am still not able to login or access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. XXXX simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX, XXXX  and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. ) Illegal Credit Reporting -- The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of Department of Education.

2. ) Failure to Verify Legitimacy of Debt -- The loan servicer has failed to provide evidence of accurate interest accrued, collection rights or servicing obligations in light of the agency 's abolishment.

3. ) Unfair and Deceptive Practices -- The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report and cessation of any collection efforts by my loan servicer with a paper form of agreement sent via mail. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, XXXX met with silence or excuses. XXXX not just a number XXXX a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now XXXX being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like XXXX being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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