vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: OK

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX 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

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 2025-12-04 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: OK

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX 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

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a charge on my credit card with Chime Bank for a service the company conned me and did not fullfill there part of the transaction i spoke to my banks customer service and disputes they did not help much at all they did not explain why they could not help even though i submitted the proff of the bad transaction and fruad the seller did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NV

Complaint narrative:
Issue : Auto loan inaccurate credit reporting and improper handling of voluntary repossession. 

What Happened : In XXXX, I contacted my auto lender and requested a voluntary repossession due to a failed transmission. I provided the lender with the exact location of the vehicle and the repair shops full contact information. The vehicle was fully available for pickup. 

The lender told me they had the right to refuse the repossession. They never retrieved the vehicle and never sent any required legal notices ( no notice of repossession, no intent to sell, and no deficiency notice ). The repair shop later reported the vehicle was no longer there. I have not had the vehicle in my possession since XXXX. 

Despite refusing to retrieve the vehicle and despite my lack of possession, the lender has : Reported late payments every month for years Reported an outstanding balance of approximately {$9000.00} Failed to provide documentation showing they attempted recovery Failed to send any notices required by UCC repossession laws This is inaccurate credit reporting, a failure to mitigate loss, and a violation of FCRA and state repossession requirements.

I am requesting : 1. Removal of all late payments after XXXX  2. Adjusting the balance to {$0.00} 3. Correction or deletion of the entire tradeline 4. Confirmation of their handling of the repossession request 5. Documentation of any attempts to retrieve the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Credit Card company changed the company from the " ShopYourWay '' card to the " ThankYou '' card from Citibank.

I paid all of my balances on time but they charged interest. I called them.

- very poor voice connection quality, impossible to communicate, high crackle voice, super low quality phone line. ( XXXX ) - line dropping and you are losing the communications - other side operators ' English language is not enough - I called 10 times, over the over finally I succes to cominicate but still they could explain the why that charge the interest. They could not find reason. 
- They hangup the phone. 

Please stop this company 's XXXX operation ; they are damaging the American people. 
I stopped using this card and I have some promotional balance. I will pay all of them on time and I never use this card.

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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate, incomplete, and unverifiable information that continues to be reported on my Experian credit file despite my previous disputes. I have already requested a full reinvestigation and provided supporting information, yet the items in question remain uncorrected, demonstrating a failure to ensure maximum possible accuracy as required under federal law. 

I am specifically disputing the reporting of the following items, which appear to contain errors, inconsistencies, or unverifiable information : XXXX XXXX  XXXX | Balance Owed : {$0.00} XXXX XXXXXXXX XXXX | Balance Owed : {$610.00} These accounts contain reporting discrepancies involving balance accuracy, payment status, and account verification. The information as reported does not match my records and appears incomplete or improperly validated.

Under the Fair Credit Reporting Act ( FCRA ), including 602 ( A ) ( fair and accurate reporting ), 607 ( b ) ( maximum possible accuracy ), 611 ( right to dispute and require reasonable reinvestigation ), and 623 ( a ) ( 1 ) ( A ) ( duty of furnishers to report accurately ), both the credit reporting agency and the furnisher must ensure that all information is accurate, complete, and verifiable. When an account can not be fully verified, federal law requires it to be corrected or updated.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The auto loan that is on my credit profile for XXXX XXXX XXXX is a fraudulent account that I did not authorize. I need it removed as it is affecting my ability to obtain credit for an authorized auto loan. This is for my Experian credit report XXXX XXXX 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Date : XX/XX/year> CONSERVE ( Collection Agency ) XXXX XX/XX/XXXX RE : FINAL NOTICE- FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C.

1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ; Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfai
r practices 15 U.S.C. 1692g- Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C . 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
They kept my payment but won't credit my account and are trying to repo my car. On XXXX XXXX I mailed a remittance coupon and a money order to Capital One Auto Finance XXXX On XX/XX/year>, they received my documents and have yet to update their accounts, they have closed my account and placed as charged off on my credit report and my car is now up for repossession. I called Capital One Auto finance today XX/XX/year> and spoke to several agents XX/XX/XXXX All representatives did not provide much help, but XXXX said I did qualify for a payment plan in order to stop repossession but I had to make a payment of {$590.00} in order to stop the repossession, I informed XXXX I don't have the money today but will have it on the XXXX when I get paid, she told me I needed to make it today and they can't do extensions, she also suggested to track my money order from the post office as well. I asked even though my payment was made you guys are still going to illegally repossess my car, she said yes. XXXX said my payment can't be located and this is not the first time Capital One Auto Finance has lost peoples payment, and he suggested to get the money back from the post office. Despite me giving my mail tracking information and the date they received it. Capital One Auto Finance put a Cease and Desist letter to me stating that they will no longer respond to me in writing even though I did not ask for such order and have told them multiple times to permanently remove this, because I feel they did this so they did not have to respond to my remittance payments and letters I sent back dating as early as XXXX XXXX, and yet Capital One Auto Finance refused my payments stating they don't accept the form of payments but DID NOT mail me back my payments! According to XX/XX/XXXXXXXX XXXX ( c ) and XXXX XXXX, their retention of the payment without return constitutes acceptance and my accounts should have been brought up to date dating back XXXX XXXX. I have Enclosed my USPS tracking information, copy of money order receipt, and Letter I have faxed again to them. They kept my payment but won't credit it and are trying to repo my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Midland credit management Attention : Chief Compliance Officer XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Re : Cease and Desist Demand Regarding Alleged Debt To Whom It May Concern : I am writing to notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are to cease all communication with me regarding the alleged debt you claim I owe.

I request the following : 1. Cease all telephone calls, emails, letters, or any other forms of communication to me at my home, place of employment, or through any third parties.

2. If you believe you are legally permitted to contact me for one of the limited purposes allowed under the FDCPA ( such as confirming you will stop collection efforts or notifying me of specific legal action ), such communication must be made in writing only to the address listed above.

3. If you have not already done so, please provide written validation of the alleged debt as required under 15 U.S.C. 1692g, including : The amount of the alleged debt The name of the original creditor Proof that I am legally obligated for this debt Documentation showing that your agency has the right to collect this debt Any further attempts to communicate with me outside the narrow rights allowed by the FDCPA will be treated as a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and, if necessary, pursue private legal action. 

I expect written confirmation that you have received this notice and have updated your records to reflect my request. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this second follow-up complaint to formally demand the full removal of multiple inaccurate, misreported, and unauthorized accounts and inquiries currently appearing on my credit reports with Experian, Equifax, and TransUnion. These items continue to violate my rights under the FCRA and are causing significant and ongoing harm to my credit profile and financial opportunities. 
First, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still being reported as a charge-off with a balance of {$3200.00} on both Experian and TransUnion. This reporting is improper and unverifiable, especially given the absence of any 1099-C for a debt over {$600.00}, which constitutes a violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Despite prior disputes, this account remains inaccurately listed and must be removed. 
Additionally, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all reported with an identical and incorrect balance of {$20000.00} across Experian, Equifax, and TransUnion. These entries are inconsistent, unverifiable, and misleading. The same applies to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, listed with an inaccurate balance of {$8200.00}, as well as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, both of which are wrongly reported with {$0.00} balances. These misreported accounts violate FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), as the current data can not be verified and is not an accurate representation of my credit history. 
In addition, there remain numerous unauthorized and impermissible inquiries across all three credit bureaus, including but not limited to : Experian : XXXX XX/XX/XXXX, XXXX XX/XX/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 

Equifax : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these inquiries violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), as I did not authorize, permit, or initiate these credit pulls.

These repeated violations and the bureaus failure to address my prior disputes have caused continued financial harm, emotional distress, and potential credit denials. This is now my second follow-up complaint, and the ongoing presence of these unverifiable items is unacceptable.

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