vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 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 FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year>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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sparrow Financial, Inc.
State: GA

Complaint narrative:
NOTICE TO CEASE AND DESIST From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Georgia, XXXX Date : XX/XX/year> Re : Stop ALL Debt Collection Calls Dear Sparrow FNCL, This letter is in response to the many phone calls I have received from you at the following telephone number ( XXXX ) : ( XXXX ) XXXX. 
According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this letter, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law.

If you do not cease communication, a lawsuit will be commenced against you. 
This letter has been sent by certified mail with a return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of 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 XXXX 
ACCOUNTS : XXXXXXXX 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Theyve repeatedly sent a man to my home, which scared my XXXX XXXX XXXX daughter. And her babysitter. This same man called my phone and threatened to have the constable pull me over and arrest me. Then claimed to have come to my home 3 times prior to this interaction. ( Over my personal phone ) then when I agreed to meet him on a day I was home unsure of what my rights were at first. He came on the XXXX XXXX of which I was informed he would be there. Ive asked this company to stop coming to my home and only communicate through written communication and they still continuously call me 1-3 times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unverified reporting of a charge-off by Fourleaf FCU in the amount of {$16000.00}.

This account is being reported as a collection/charge-off with a derogatory status, but the creditor has failed to provide legally required documentation validating the debt as accurate, complete, and verifiable under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ). Despite multiple attempts to resolve this matter directly, no original signed agreement, full payment history, or accurate balance calculation has been provided.

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher ( Fourleaf FCU ) is prohibited from reporting information to consumer reporting agencies that it knows or has reasonable cause to believe is inaccurate. Reporting unverifiable or unvalidated data constitutes willful noncompliance, which is actionable under FCRA 616 and 617.

Additionally, under FCRA 602 ( A ), Congress recognized that inaccurate credit reporting directly harms consumers ability to obtain credit and employment precisely the harm I am experiencing now.

If this debt has been assigned or sold to a third-party collector, the failure to provide written validation within 30 days of request is a violation of FDCPA 809 ( b ) ( 15 U.S.C. 1692g ).

Because Fourleaf FCU continues to report this account without proof of validity, this constitutes : Inaccurate reporting ( FCRA 607 ( b ) ) ; Failure to investigate and correct ( FCRA 611 ( a ) ( 1 ) ) ; Willful or negligent noncompliance ( FCRA 616, 617 ) ; and Potential FDCPA violations if collection efforts continued without validation ( 809 ( b ) ).

I am requesting that the CFPB investigate Fourleaf FCUs reporting practices and compel immediate removal ( deletion ) of this unverifiable charge-off account from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) XXXX 

I am also requesting written confirmation once the item has been deleted or corrected to reflect paid as agreed or account closed in good standing.

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 2025-10-15 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: SC

Complaint narrative:
Account seriously past due assigned to attorney collection agency {$1200.00} XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: FL

Complaint narrative:
I opened a self secured credit card but within an hour I closed it. The customer service I spoke with closed the account and let me know that the {$100.00} deposit will not be charged. The next day on XX/XX/XXXX I woke up to a {$100.00} charge from them. I immediately contacted them and they told me the XX/XX/XXXX is the latest I would receive my refund. I spoke with another agent who also told me the same thing ( no later than XX/XX/XXXX ). I thought this was a LONG time to refund funds stolen from my account since the account was closed but k didnt make a big deal and waited patiently. It is now XX/XX/XXXX and I have no refund of {$100.00}. I contacted self this morning and I am now being told it will take an additional 30 days although the previous two agents told me no later than the XXXX and that it was already being processed through my bank. So than that was a lie because now it is taking an additional 30 days for a refund of my money, {$100.00}, that they were unauthorized to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a deposit twice from a consumer and they have returned both deposits. i receive deposits from them all the time and just the other day I received {$6000.00}. But about a week ago I received {$50000.00} from them and my bank returned it and of course it took 3 days for the consumer to receive it back. So I called my bank and they told me to get the consumer to send {$20000.00}. So that is what I did and when the consumer sent that money they returned the money. So I called my bank and they can't explain why they returned my money and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to advise that I am a victim of 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 XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$14000.00}

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXBalance {$1000.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXBalance {$1400.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXDate Opened XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXXDate Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXBalance {$390.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXBalance {$68000.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance {$19000.00} -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this formal complaint against JPMorgan Chase Bank, N.A., specifically Chase Card Services, XXXX XXXX XXXX XXXXXXXX, DE XXXX, regarding multiple fraudulent credit card accounts that were opened using my stolen personal identity and business information. 

The following credit card accounts were fraudulently opened in my name and/or my businesss nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX without my authorization or knowledge : Chase Credit Card ending in XXXX Chase Credit Card ending in XXXX Chase Credit Card ending in XXXX Chase Credit Card ending in XXXX I am a confirmed victim of identity theft, and a report was filed with the Federal Trade Commission ( FTC ) earlier this year. This identity theft also involves the fraudulent use of my registered business entity, XXXX XXXX XXXX XXXX XXXX, which is a serious violation with both state and federal implications. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681g ], FACTA, and under the protections of the Identity Theft and Assumption Deterrence Act, I formally request that Chase provide me with the following : Complete copies of all billing statements associated with the accounts ending in XXXX, XXXX, XXXX, and XXXX. 

Complete account applications used to open each account, including the method of application ( online, in-person, etc. ) and XXXX addresses or location data associated with the submission. 

Copies of all payment transactions, including the originating payment account information ( e.g., account numbers used to make payments, names on those accounts, banks used ). 

All correspondence related to these accounts. 

A written confirmation of closure of these fraudulent accounts, if not already done, and assurance that I will not be held liable for any charges incurred. 

Please send all requested documentation to my verified address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIOLATIONS & LEGAL BASIS I believe JPMorgan Chase Bank may be in violation of the following : Fair Credit Reporting Act ( FCRA ) failure to properly verify the identity of applicants and failure to ensure accuracy in reporting fraudulent accounts to credit bureaus. 

Gramm-Leach-Bliley Act ( GLBA ) failure to safeguard sensitive customer information, including identity verification protocols. 

FACTA Red Flags Rule failure to identify and respond to identity theft red flags during the account opening process. 

State Identity Theft Laws in the State of Florida, knowingly using someones personal information to obtain goods or services without consent is a felony under Florida Statutes XXXX. 

Additionally, the fraudulent use of a registered business entity for credit applications may trigger violations related to business identity theft and possible IRS and XXXX  fraud if any financial instruments or applications for government aid were attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and XXXXXXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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