vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allied Capital Management, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Allied Capital Management ( ACM ), a third-party debt collector handling a XXXX XXXX  XXXX. I have made consistent monthly payments and have always provided an alternative payment method immediately whenever a transaction was returned because of timing or bank processing issues. I have never failed to make a payment or ignored a financial obligation.

Despite my consistent cooperation, ACM has repeatedly acted in an unprofessional and unreasonable manner. The majority of my interactions with their representatives have been rude, dismissive, and inflexible, although a few employees have communicated appropriately and tried to assist me. I have requested email-only communication to maintain a written record and to prevent misunderstandings, yet ACM has ignored this request at times and has continued to use language and tactics that are unnecessarily harsh or threatening.

In addition to unprofessional communication, ACM has demonstrated errors in handling consumer information. On at least two occasions, I received emails containing letters addressed to other individuals, specifically XXXX XXXX on XX/XX/year>, and XXXX XXXX on XX/XX/year>. Although the attachments related to my account, the use of other consumers names suggests a serious data-handling problem that could result in private information being misdirected. 

I have attempted to resolve these concerns directly by communicating with ACM through email, but their responses have been inconsistent and unhelpful. They have refused to consider flexible arrangements that reflect my good-faith efforts to pay and have continued to communicate in a manner that feels harassing and dismissive. 

Based on my experiences, ACMs conduct appears to violate multiple provisions of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692d, and 1692e ), which prohibit harassment, abuse, and failure to respect communication requests. Their actions may also violate the XXXX XXXX XXXX XXXX ( XXXX ) regarding misleading or unfair collection practices and raise privacy compliance concerns under the Gramm-Leach-Bliley Act ( GLBA ).

Company response to consumer: Untimely response
Consumer complaint received 2025-10-07 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-07 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: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX  and the credit reporting agencies for the reporting of inaccurate and unverifiable information on my credit report. The details are as follows : Wrong Address Reporting : My credit file contains an address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX This address is not associated with me at any time. Reporting inaccurate addresses creates the risk of identity confusion and indicates possible mixed-file or fraudulent reporting. 

Inaccurate Account Reporting : The following account is being reported incorrectly on my credit report : XXXX XXXX, Account # XXXX, Open Date : XX/XX/year>, Reported as Charge-Off, High Credit {$0.00} This entry is inaccurate, unverifiable, and misleading. The reporting of a charge-off with a high credit of {$0.00} is contradictory and damaging to my creditworthiness. I have no contractual obligation with this creditor, and I demand strict proof of validity and ownership of this alleged account. 

Violations : This inaccurate reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 609 ( A ), which require that all information furnished must be accurate, verifiable, and complete. Reporting unverifiable or false data severely harms my credit profile and constitutes negligent and willful noncompliance. 

Requested Resolution : I respectfully request that the CFPB investigate this matter and take immediate corrective action, including : Removal of the fraudulent/incorrect address from my credit file. 

Deletion of the unverifiable XXXX XXXX account. 

Confirmation in writing that these items have been permanently removed from all credit bureau reports. 

Please consider this letter a formal complaint and request for enforcement of my rights under the FCRA. I am attaching a copy of my ID and proof of current address for verification purposes.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns with chime handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using chime numerous times and reporting discrepancies my financial institution and chime failed to investigate my claims adequately the informed me that recovering lost funds was impossible and that tracking these transactions was infeasible the CFPBs finding indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in line of the recent CFPB lawsuit. My financial institution and Chime failed investigate all of my complaints adequately. I was told they could not recover lost funds and that tracking those transactions was not possible. CFPB has highlighted that Chime has allowed repeat offenders to abuse consumers leaving us all vulnerable to scams. Their lack of accountability and transparency is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

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 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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection - 2242 this is what is reporting on my credit report and i am unaware of what this is. I have attempted to resolve this with the credit bureaus and i have not been successful. this is stating an insane balance of like {$13000.00} that i know i never took anything out in that amount! they need to delete this for failure to validate the collection according to the FCRA and the FDCPA I ALSO SENT THESE LETTERS THRU CERTIFIED MAIL AND DIDN'T RECEIVE ANYTHING IN THE MAIL EITHER. THIS IS ANOTHER VIOLATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: MS

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
Im disputing an inaccurate charge-off reported by XXXX XXXX for a credit card account. The charge-off was reported around XX/XX/year>. XXXX XXXX did not follow proper FCRA and FDCPA requirements when reporting late payments that led to the charge-off. The account information being furnished is incomplete and inaccurate. Ive requested verification and correction, but the information remains incorrect. Im requesting that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off and correct all related reporting errors.

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 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
Statement of the Case This complaint is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against Innovis. Your agency continues to report factually false, contradictory, and materially misleading information regarding my accounts.

Despite proof of {$0.00} balances and closure, your files contain contradictory closure dates, fabricated late payments, inflated balances, and misleading derogatory remarks. Additionally, no Original Purchase Agreement ( OPA ) has been produced for any alleged debt you continue to report. Without a signed OPA showing the lawful chain of ownership, your reporting is unverifiable and unlawful.

Examples of Inaccuracy Synovus / First Progress Conflicting closure dates, false late history, derogatory reporting despite {$0.00} balance.

Note : No Original Purchase Agreement has been provided. 
XXXX XXXX statuses : Paid by XXXX, but derogatory/charge-off listed elsewhere. 
Note : XXXX XXXX XXXX XXXX has been provided. 
XXXX  XXXX False late payments and inconsistent balances despite payoff. 
Note : XXXX XXXX XXXX XXXX has been provided. 
XXXX Reported both Paid/Closed and XXXX XXXX simultaneously. 
Note : XXXX XXXX XXXX XXXX has been provided. 
XXXX XXXX False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : XXXX XXXX XXXX XXXX has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In 2021 my venmo account was hacked. 
Since then I have been unable to access the account or its funds. 
I've tried to contact Venmo to resolve this issue many times over the years and they have failed to address my concerns. 
All they said was that my account has been permanently disabled and they can not tell me why. 
I have expressed that I was a victim of this hacking and that I want more information regarding my account as well as a proper investigating showing that I am innocent. 
They are refusing to reactivate my account or tell me why. 
This leads me to believe they are withholding information from me that I have a right to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CO

Complaint narrative:
I am writing to follow up on a prior dispute regarding the inaccurate and misleading information being reported on my credit file. Despite my previous dispute letter, I have reviewed my most recent credit report and regretfully discovered that the same erroneous and unverified information continues to be reported. This continued failure to correct inaccuracies is a direct violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CO

Complaint narrative:
I am writing to follow up on a prior dispute regarding the inaccurate and misleading information being reported on my credit file. Despite my previous dispute letter, I have reviewed my most recent credit report and regretfully discovered that the same erroneous and unverified information continues to be reported. This continued failure to correct inaccuracies is a direct violation of my rights under federal law.

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 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I have been contacted by a collection agency that purchased an account that I already paid off through another agency. The account is now time barred and they are still trying to get me to pay them. I paid the account off in XXXX, but all I got was a confirmation number and never received an official letter of pay off from the previous company. The current company stated that they purchased the account in XXXX and I am just now getting a letter from them. I have disputed the account and I am trying to figure out what my next steps are. The statute in Florida is 5 years for credit card debt, so I don't understand how they can get away with this especially since I have already paid this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Subject : Immediate Blocking Request Identity Theft Accounts Reinserted Illegally I am filing this complaint to report that credit reporting agencies have reinserted fraudulent accounts and hard inquiries that were previously blocked and removed due to identity theft. 

This reinsertion occurred without the legally required written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits re-insertion of deleted information unless the information is certified by the furnisher and the consumer is notified within XXXX ( XXXX ) business days. 

I am once again contesting and demanding the immediate blocking of these accounts and inquiries under XXXX XXXX. XXXX, which mandates that credit reporting agencies block identity theft information within XXXX ( XXXX ) business days of receiving an identity theft report. 

I have provided FTC Identity Theft Report Numbers : XXXX / XXXX as supporting documentation. 

The following accounts were previously deleted but have been illegally reinserted and must be permanently blocked and removed without further delay : 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 I am demanding that the CFPB ensure these credit reporting agencies : Permanently block and delete the accounts and related inquiries within XXXX ( XXXX ) business days, as required by law. 

Provide written confirmation of the actions taken. 

Cease any future reinsertion of this fraudulent information unless they comply strictly with the reinsertion procedures under 1681i ( a ) ( 5 ) ( B ). 

The unlawful reinsertion of these accounts has caused significant damage to my credit, resulting in credit denials and financial harm. I expect immediate regulatory intervention to enforce full compliance with the Fair Credit Reporting Act. 

All supporting evidence ( FTC Reports, prior deletion proofs ) has been attached to this complaint.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

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 response to consumer: Closed with explanation