vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: MN

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the accounts listed below. The information provided pertains to accounts that I believe are inaccurately reported or incomplete on my credit reports. I respectfully request that these accounts be reviewed and corrected. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
COMPLAINT NARRATIVE FOR CFPB SUBMISSION Consumer : XXXX XXXX XXXX : Early Warning Services , LLC Dispute Case ID : XXXX Disputed Account : XXXX  XXXX XXXX ( Ending in XXXX ) Subject : Violation of FCRA Failure to Conduct Reasonable Reinvestigation and Contradictory Verification Claims To the Consumer Financial Protection Bureau : I am filing this formal complaint against Early Warning Services ( EWS ) for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which mandates a " reasonable reinvestigation '' of disputed information. 

The Violation : On XX/XX/year>, Early Warning Services concluded a reinvestigation into a disputed XXXX  XXXX XXXX account ( Case ID : XXXX ). In their final results, they stated : " It has been determined that the information contained in your file is accurate and complete ''. 




However, in a separate letter dated the exact same day ( XX/XX/year> ) regarding the same dispute, Early Warning Services explicitly admitted : " Early Warning does not have access to account documentation that resides within your Financial Institution '' and " Therefore, we are unable to provide copies of documents that your Financial Institution maintains ''.

Legal Argument : Failure to Review Relevant Information ( 15 U.S.C. 1681i ) : I previously submitted documentation proving the inaccuracy of this account. By their own admission, XXXX does not access or review the underlying account documentation residing with the financial institution. Therefore, they failed to review " all relevant information '' submitted by the consumer as required by law. 

False Certification of Accuracy : It is legally and logically impossible for XXXX to certify that a file is " accurate and complete '' while simultaneously admitting they have " no access '' to the documents required to verify that accuracy. This indicates they merely " parroted '' the data furnishers automated response without conducting the independent investigation required by the FCRA. 


Requested Resolution : XXXX  has proven they are procedurally incapable of verifying the factual accuracy of this account against the actual bank records. Because the investigation was a sham and contradictory on its face : I request the CFPB order Early Warning Services to assign a new investigator to this matter immediately. 

I demand the immediate deletion of the XXXX XXXX XXXX account ( ending in XXXX ) from my consumer report, as the bureau has admitted they can not verify the underlying documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate accounts that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-12-03 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: PA

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-12-03 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: NV

Complaint narrative:
b'To Whom It May Concern,\n\nThis letter serves as a formal request for validation of all charge-off accounts currently reported on my credit file, as provided under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act (FDCPA). According to this section, I have the right to request full verification and validation of any alleged debt being reported or collected.\n\nPlease provide the following for each charge-off account you are reporting:\n\t1.\tThe name of the original creditor;\n\t2.\tThe date and amount of the alleged charge-off;\n\t3.\tComplete documentation proving the validity and ownership of the debt;\n\t4.\tProof that you are legally authorized to collect or report this debt.\n\nUntil full validation is provided, you are required to cease collection and reporting activities related to these accounts. If you cannot verify the accuracy and validity of the charge-off entries, I am requesting that they be immediately deleted from my credit report, as continued reporting of unverified information constitutes a violation of 15 U.S.C. 1692g(b) and the Fair Credit Reporting Act (15 U.S.C. 1681s-2).\n\nPlease respond in writing within the legally required timeframe.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NV

Complaint narrative:
b'To Whom It May Concern,\n\nThis letter serves as a formal request for validation of all charge-off accounts currently reported on my credit file, as provided under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act (FDCPA). According to this section, I have the right to request full verification and validation of any alleged debt being reported or collected.\n\nPlease provide the following for each charge-off account you are reporting:\n\t1.\tThe name of the original creditor;\n\t2.\tThe date and amount of the alleged charge-off;\n\t3.\tComplete documentation proving the validity and ownership of the debt;\n\t4.\tProof that you are legally authorized to collect or report this debt.\n\nUntil full validation is provided, you are required to cease collection and reporting activities related to these accounts. If you cannot verify the accuracy and validity of the charge-off entries, I am requesting that they be immediately deleted from my credit report, as continued reporting of unverified information constitutes a violation of 15 U.S.C. 1692g(b) and the Fair Credit Reporting Act (15 U.S.C. 1681s-2).\n\nPlease respond in writing within the legally required timeframe.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports. I believe that the information listed below is inaccurate or incomplete and requires correction under the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be thoroughly investigated and updated accordingly.. 

Charged Off Accounts : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-12-03 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: WA

Complaint narrative:
These accounts are appearing on my credit report but do not belong to me. They have been mixed with my credit file and clearly belong to another individual. I never opened, authorized, or managed any of these accounts, and their presence is creating inaccurate and misleading information about my financial history. This mixed-file error is unacceptable and is causing me serious concern about the integrity of my credit report.

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 2025-12-03 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: NV

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 Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
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 Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Effective today, I received an alert stating that my account with XXXX XXXX is reporting to Experian 30 Days late for the month of XXXX. This account was paid in full effective XXXX and should have been closed. My last payment due was for XX/XX/year>, in the amount of {$810.00}, that payment was made XX/XX/year>, that means my XXXX payment should not be reporting 30 days late. I didn't have any payments due after the month of XXXX, so why would XXXX report me 30 days late for the month of XXXX. This is inaccurate and I would like for this to be removed, its causing financial burden. I called XXXX and spoke with a rep, he offered me no help and just said he couldn't locate anything showing that I was ever 30 days late.

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 2025-12-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
American Express closed my business credit card immediately after I paid the balance in full. They gave no advance notice and no valid explanation. The account was in good standing and actively used for legitimate business operations. 

This business card was my only source of working capital. The sudden and unexplained closure caused my business to collapse, resulting in the loss of my income and my ability to operate or cover essential expenses. 

After the closure, I contacted American Express multiple times. Two separate representatives told meon recorded callsthat my payment would be refunded because the account had been paid in full and then immediately shut down. These assurances were repeated more than once. 

Despite these promises, American Express never issued the refund. 

Because they eliminated my business income and withheld the promised refund, I became unable to pay my other American Express account. Instead of correcting their own mistake, American Express sent that account to collections and initiated legal action against me even though their actions directly caused the nonpayment. 

This situation has caused significant financial harm, loss of business income, loss of working capital, emotional stress, and long-term damage to my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: MI

Complaint narrative:
1ST CRD SRV C is falsely reporting on my credit. I have never had any accounts with them. Per my research 1ST CRD SRV C is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. 
Despite the FCRA requirements for accuracy and accountability, the following issues are present on my Equifax report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. 
I have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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/Madam, I am writing to dispute certain information on my credit reports from the three credit bureaus. Below is the detailed list of accounts and inquiries that I believe to be inaccurate or incomplete. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX XXXX Account Number : XXXX 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 explanation