vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX and XXXX XXXX XXXX has failed to provide proper validation of a debt they are attempting to collect. I exercised my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by sending two certified debt validation letters requesting documentation, including the original signed contract, chain of assignment, method of verification and full itemization of the debt. They have not responded with proper validation. Despite their failure to validate the debt, they continue to : Attempt collection through phone calls or letter Report the account to one or more credit reporting agencies Refuse to remove or suppress the account in violation of federal law I also sent an Intent to Sue letter advising them of their noncompliance and my intent to take legal action if the violations continue. They are still in violation.

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 2025-09-05 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: CL Holdings LLC
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
Dear Sir or Madam, According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumers credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Therefore, I hereby demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
To my knowledge, I have not signed any documents authorizing any of the organizations below to view my credit history, therefore the accounts below which are listed on my credit report are fraudulent and violate Title XXXX, Chapter XXXX, XXXX XXXX, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer. 
Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. Under the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ), if you are unable to provide me with such Verifiable Proof ( an original Consumer Contract with my Signature on it ), then you must DELETE the fraudulent accounts disputed here and listed below immediately : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX XXXXXXXX. Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulently Opened on 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 explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
Dear Sir or Madam, According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumers credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Therefore, I hereby demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
To my knowledge, I have not signed any documents authorizing any of the organizations below to view my credit history, therefore the accounts below which are listed on my credit report are fraudulent and violate Title XXXX, Chapter XXXX, XXXX XXXX, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer. 
Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. Under the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ), if you are unable to provide me with such Verifiable Proof ( an original Consumer Contract with my Signature on it ), then you must DELETE the fraudulent accounts disputed here and listed below immediately : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX XXXXXXXX. Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulently Opened on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/XXXX, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>2025 a fraudulent transaction was made on my Chase Sapphire credit card in the amount of {$1300.00} at XXXX. Chase immediately notified me via text message that there was a possible fraudulent transaction made with my credit card, I responded and said yes, this transaction was fraudulent. The transaction was originally reversed and I called Chase Credit Card services customer service to cancel the card and be issued a new one. Chase opened an investigation into the transaction and on XX/XX/year>2025 Chase determined I am responsible for the charge because I " benefited from the transaction. '' My husband, the other authorized user on the account, contacted Chase by phone to request information and open an appeal. The Chase fraud department representative told my husband that the charge was made in Maryland on XX/XX/year>2025 and our credit card number was entered manually into an XXXX kiosk in store using my husbands name. We are not located anywhere near Maryland. He requested what email address and phone number were used and what physical address was used, such as for billing or shipping, but he was not provided an answer by Chase. On XX/XX/scrub>/2025 a different Chase fraud department representative contacted me by phone and stated that the purchase was made online where mattresses and bed frames were purchased. The representative stated our appeal was denied because my husband 's name was used and the purchase was " XXXX XXXX Verified. '' Chase did not state how exactly the purchase was " XXXX verified. '' Again, no email addresses, phone numbers, billing or shipping addresses attached to this purchase were provided to me during this call. It is unclear which is correct, if the purchase was made online or in store. Chase is denying our appeal while not answering all questions and not providing sufficient information to prove who, where, or how this purchase was made. Chase is offering a conference call on XX/XX/year>2025. My husband and I have completed a report at XXXX and a police report at our local police department. I also contacted XXXX by phone and asked for their fraud department, XXXX stated that they do not speak with customers regarding fraud, they only speak with financial institutions, so I was not able to gather any information from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX XXXX XXXX XXXX TransUnion , Equifax , Experian Date : XX/XX/XXXX Subject : Fraudulent Accounts Request for Immediate Removal Dear Sir or Madam, I am writing to formally dispute and request removal of the fraudulent accounts listed below from my credit reports. These accounts do not belong to me and represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following accounts should be deleted immediately : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  Under the FCRA ( 15 U.S.C. 1681 ), I am entitled to privacy, accuracy, and confidentiality regarding my personal information. The presence of these accounts violates those protections. Specifically : 15 U.S.C. 1681s-2 prohibits furnishing information known to be inaccurate.

15 U.S.C. 1681c limits the reporting of certain adverse information.

15 U.S.C. 1681b ( 604 ) requires that consumer reporting agencies have written instructions before furnishing reports.

If these accounts can not be fully verified as accurate and authorized by me, they must be deleted immediately as required by FCRA Sections 609 and 611.

Please consider this letter as my ocial notice of dispute. If you fail to respond or correct these inaccuracies within 30 days of receiving this letter, I will be forced to pursue further remedies, which may include legal action.

Thank you for your prompt attention to this matter. I have attached a copy of my ID for verification. 
Sincerely, 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 2025-09-05 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: MS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Midland Credit Management Account Number : XXXX Amount : {$1200.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.

2. The records or documents you used to verify the alleged account.

3. The exact method you used to conclude that this information is accurate.

A generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report.

You are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

I expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately.

This is not a request. This is a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-05 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was victim of a scam from XXXX. I submitted an order for a product then they later asked me to make payment via Zelle. After I made payment of {$450.00} via Zelle, the claimed to have shipped via a fake company called XXXX XXXX XXXX but now this shipping company is asking for a refundable shipping fee of {$260.00} also via Zelle. These 2 companies are a scam from a single person ( s ) as they claim to have a product and ship it via a fake company only to ask for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted disputes to Equifax regarding a collection account that does not belong to me. I clearly stated that I do not recognize this account and provided evidence by attaching my FTC Identity Theft Report and supporting documents to my dispute letters. Despite this, Equifax continues to report the inaccurate and fraudulent account on my credit file. I even submitted a CFPB complaint in XXXX regarding this same issue, yet Equifax has failed to remove or correct the inaccurate information. This ongoing reporting of a fraudulent account is causing significant harm and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: January Technologies, Inc
State: TX

Complaint narrative:
I am filing this complaint because a paid collection account continues to appear on my credit report inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). 


The account details are as follows : Collection Agency : January Technologies Original Creditor : XXXX XXXX Account Number : XXXX Date Paid in Full : XX/XX/scrub>/2025 Despite my paying this account in full, it is still being reported in a way that misrepresents my current credit standing. I have disputed this account multiple times directly with XXXX  under FCRA 611 ( 15 U.S.C. 1681i ), but they have repeatedly verified it without providing any actual documentation or proof of verification, which is required by law.

I have also contacted the furnisher ( January Technologies ) directly and requested a goodwill deletion and verification of the information, but they have failed to correct the inaccurate reporting.

This is causing ongoing harm to my creditworthiness and financial stability.

I am requesting that the CFPB : Investigate this matter fully.

Require the January Technologies Inc and XXXX  to provide proof of accurate reporting, including the method of verification used. 

If they are unable to provide such proof, order the deletion of this account from my credit report immediately, as required by federal law. 

I have attached the following supporting documents : Proof of payment in full. 

Copies of my dispute letters sent to XXXX  credit bureau. 

This account should no longer be reported in a way that damages my credit, as it violates my rights under the FCRA. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation