vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, hereby state unequivocally that I do not acknowledge, authorize, or recognize any of the entries listed below as valid accounts or inquiries on my credit report. These items were added without my knowledge or consent and therefore constitute a direct violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code, Section 1681 and the provisions that follow.

In support of this request, I invoke the following legal provisions : 15 U.S.C. 1681, Section 602 ( a ) : Clearly affirms my right to privacy and confidentiality regarding the handling and dissemination of my credit and personal information.

15 U.S.C. 1681b ( formerly referenced as 604 ( a ) ( 2 ) ) : Prohibits consumer reporting agencies from furnishing any account or information about me without my express written instructions. I have not provided such authorization for the entries in question.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits any consumer reporting agency from including adverse informationexcept records of criminal convictionsthat predates the report by more than XXXX years. This includes obsolete inquiries or outdated data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Forbids any person or entity from furnishing information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate.

On the basis of the above and because I do not recognize, validate, or accept the legitimacy of the accounts or inquiries listed below, I respectfully demand their immediate and permanent deletion from my credit file, in full compliance with my rights under federal law : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2025-04-13 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for the Chase Freedom Unlimited Credit Card. There is a welcome bonus of {$250.00} if you spend {$500.00} in the first three months of account opening. I have already exceeded is spending more than {$500.00}. The 0 % APR offer for 15 months applied to the account already which was in the promo. I called Chase customer service and spoke with the supervisor and said my account is only eligible for 1.5 % cash back and they have no record for me in applying for this promo. This is l literally an offer on there website. I clicked apply now and this is still an active offer on their website for the welcome offer. This is false advertising and I would like to receive my bonus offer from them. XXXX bonus points or {$250.00} worth of statement credit. This is scammy business tactics to weed people in applying for the card and then saying they arent eligible for this offer even tho I dont personally have an account with them. Im a new card member and I should be getting my welcome offer. Please help resolve this issue as soon as possible as I would like to purse legal action if this doesnt get settled with Chase XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 had XXXX with XXXX XXXX  accounts with XXXX XXXX XXXX  that were secured and paid off XXXX  XXXX account is for {$2500.00} and was paid off early in 19 months with a 120 month term and has XXXX Balance the other was also secured for {$10000.00} and was paid off early in 19 months with a 120 month term and has a XXXX XXXX both accounts have late payments that are reported inaccurately.

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 2025-04-13 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: GA

Complaint narrative:
[ Your Address ] XXXX XXXX XXXX XXXX XXXX City, State ZIP Code ] XXXX XXXX ga XXXX [ Email Address optional ] [ Phone Number optional ] [ Date ] XXXX [ Debt Collectors Name MIDLANDCRE [ Collection Agency Name ] XXXX XXXX XXXXXXXX XXXX XXXX. 
[ Address ] XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX [ City, State ZIP Code ] XXXX XXXX, CA XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act Dear [ Debt Collectors Name ], I am writing in response to your [ letter/call ] dated [ insert date ], regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt, including a breakdown of fees and interest.

Copies of any documents that show I agreed to pay this debt. 

Proof that you are legally authorized to collect this debt in my state. 

A copy of the judgment, if applicable. 

Until this debt is properly validated, please cease all collection activities, including reporting this debt to credit reporting agencies. 

Please send all requested documentation to the address listed above. I also request that all future communications be in writing. 

Sincerely, [ Your Full Name ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: Federated Student Loan Services
State: OH

Complaint narrative:
I noticed on my XXXX credit report I have two student loans that were opened on XXXX. XXXX, XXXX without my knowledge. I barely started building my credit around XXXX and barely noticed misinformation on my credit file. XXXX says I have {$10000.00} of student loan debt, but I've never opened anything. My credit file also had several names and addresses on my account that I have no knowledge of.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of Al my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
according to Equifax dispute XXXX my dispute is on hold because i didn't provide my social number I am refiling the dispute and including my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Also during the time they saying this account was open it couldnt have been legally seeing how I did not have an valid ID to open any account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
[ Your Address ] XXXX XXXX XXXX XXXX XXXX City, State ZIP Code ] XXXX XXXX ga XXXX [ Email Address optional ] [ Phone Number optional ] [ Date ] XXXX [ Debt Collectors Name ] MIDLANDCRE [ Collection Agency Name ] Midland Credit Management , Inc. 
[ Address ] XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX [ City, State ZIP Code ] XXXX XXXX, CA XXXX XXXX XXXX XXXX : Debt Validation Request under the Fair Debt Collection Practices Act Dear [ Debt Collectors Name ], I am writing in response to your [ letter/call ] dated [ insert date ], regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor. 

The amount of the alleged debt, including a breakdown of fees and interest. 

Copies of any documents that show I agreed to pay this debt. 

Proof that you are legally authorized to collect this debt in my state. 

A copy of the judgment, if applicable. 

Until this debt is properly validated, please cease all collection activities, including reporting this debt to credit reporting agencies. 

Please send all requested documentation to the address listed above. I also request that all future communications be in writing. 

Sincerely, [ Your Full Name ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
When I woke up in the morning I saw that I was getting unauthorized charges from my checking account on Chime the mobile banking app. The day was XXXXXXXX XXXX XXXX when the charges were made. And I started from XXXX XXXX  in the morning until XXXX XXXX. These charges were made at an ATM while I was asleep at home. I think my card was skimmed and the information was copied and they made a new card with my account. Then they were able to take my information and go to the ATM and take out money without my consent. I attempted to dispute these charges, but they would not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have asked for a copy of my wet signature with no response for any of the companies that I asked for proof.

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 2025-04-13 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: OR

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/XXXX I made an online purchase on a website called rimorjewelry.com I used the loan company Affirm to make my purchase. I never received my package, and I was in constant communication with XXXX. They promised to send me a package, but they never did and then stopped communicating with me. 

I contacted affirm at the time, but they I couldn't create a dispute until a longer amount of time had passed. 

After all of my loan payments had been charged onto my card, and I contacted affirm and XXXX, and got no help, and no product, I decided to call my bank and explain the situation to them. My bank got me my refund on my card.

However affirm sent two of my charges to collections. And I can not get those charges from collections to drop. I am now currently getting emails and messages from collections. And I do not owe that money. 

I called affirm today XX/XX/XXXX and was on the phone with them, and she said that my only option was to settle my debt. 

While I was on the phone with someone from affirm, they told me to go to the website and click on " dispute this purchase '' when I click on dispute this purchase, it sends me to talk to the original company I had a problem with. So this is just circles

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: AL

Complaint narrative:
I am formally disputing the XXXX XXXX account currently listed on my Experian credit report. I have never done business with this company, and this account is not mine. 

I have spoken to multiple representatives at XXXX XXXX, and they indicated that this is a business account. I have never opened a business account, and it is negligent and potentially illegal to report a business tradeline on an individuals personal credit file without consent or signature. This misreporting is damaging my creditworthiness, financial posture, and personal reputation. 

This account was previously removed after a legitimate dispute, yet it has now reappeared without proper notification, reinvestigation, or certification of accuracya clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

I tried to respond to your requests for the following Please confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc. - see attached One copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) - XXXX XXXX XXXX Social Security number - XXXX Date of birth - XX/XX/year> Complete addresses for the past two years- same address XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX I have attempted to submit this, a police report and a signed FTC Identity Theft Affidavit 2 days ago. However, your system has made it nearly impossible to upload supporting documentation through XXXX XXXX XXXX  effectively blocking me from properly resolving this issue through official channels. 

I am urgently requesting : Permanent deletion of the XXXX XXXX account from my Experian report. 

A written explanation of the accounts removal and any documentation Experian claims links me to it. 

Immediate escalation of this dispute to your executive or legal department.

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