vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: VA

Complaint narrative:
Summary of the Complaint Despite multiple dispute letters sent to Experian dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the bureau continues to report two inaccurate and unverified accounts froXXXX XXXX XXXX that I did not authorize or open. 

I provided supporting documents, including my FTC Identity Theft Report ( No. XXXX ), yet Experian failed to block or remove the fraudulent accounts as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

The agencys actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically the following : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting incomplete or inaccurate information.

FCRA 604 Reporting without a permissible purpose.

FCRA 605 ( a ) Reporting obsolete and unverifiable data.

TILA 1601 Misrepresentation of credit terms and obligations.

Experian ignored the legal requirement to block identity theft information within 4 business days after receiving the FTC report. Furthermore, their reinvestigation responses show significant inconsistencies between XXXX XXXX and Equifax reports. 

Disputed Accounts Account XXXX : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Issues : Different opening dates, balance discrepancies, contradictory remarks ( charged off vs. closed ), and repeated charge-off entries. 

Account XXXX : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} Issues : Conflicting account types, inconsistent credit limits, missing reporting from Equifax, and duplicate charge-offs. 

Impact on Me Due to Experians negligence and refusal to correct or delete these accounts : My credit score has been significantly damaged.

Ive been denied credit opportunities.

Ive suffered emotional distress and reputational harm.

Requested Resolution I respectfully request the CFPBs assistance to ensure Experian : Immediately deletes both XXXX XXXX accounts from my credit report under FCRA 605B.

Provides written confirmation of deletion.

Implements internal compliance measures to prevent future violations.

Is held accountable for willful noncompliance under 15 U.S.C. 1681n. 

Supporting Documents Attached FTC Identity Theft Report ( Report # XXXX ) Copies of previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian credit report showing disputed accounts Proof of mailing ( certified mail receipts )

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NJ

Complaint narrative:
Im filing this complaint because Franklin Collection Services is reporting and attempting to collect a debt that I dont recognize and have never received proper validation for. I only found out about this alleged account through my credit report, and I immediately took action to dispute it. 

I am requesting Franklin Collection Services a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, asking them to provide full and complete proof that this debt is valid, that Im legally responsible for it, and that they have the right to collect it. 

The account in question was reported with the following details : Date Listed : XX/XX/year> Date Opened : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Current Collector : Franklin Collection Services Claimed Balance : {$1200.00} I have strong reasons to believe this account may have been reported in error or linked to possible identity theft. Because of that, I exercised my rights under the FDCPA and requested : Proof of the debt, including a breakdown and original contract Proof that Franklin Collection Services has legal authorization to collect it The full account history, notices sent, and validation as required by law Under 15 U.S.C. 1692g ( b ), a collection agency is not allowed to continue collection or report the debt until they provide written validation. Despite this, Franklin Collection Services has continued to report or pursue the debt without fulfilling their legal duty. 

I also requested, under 15 U.S.C. 1692c ( c ), that they stop contacting me unless its to provide validation. I made it very clear that any continued attempts to collect without proof would be considered a willful violation of federal law. 

This situation has caused me significant stress and frustration. Im trying to correct inaccurate and possibly fraudulent information on my credit report, and Franklin Collections inaction is directly interfering with that process. I have already filed a formal complaint with the CFPB to make sure this issue is properly investigated and resolved.

I am asking for Franklin Collection Services to immediately provide full validation or remove the account entirely from my credit reports. If they can not prove the debt is legitimate, they must stop all collection activities and notify all credit bureaus and third parties to delete the record.

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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Netspend Corporation
State: CT

Complaint narrative:
NetSpend closed my account without taking a consent from me that they will be charging XXXX $ fee.

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: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My mother in law advised me that they contacted her directly about my debt. They communicated with her on XX/XX/year>. The debt collection company is Midland Credit Management.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX ( XXXX ). 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 XXXX / XXXX XXXX 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 : No Original Purchase Agreement has been provided. 
XXXX XXXX False late payments and inconsistent balances despite payoff. 
Note : No Original Purchase Agreement has been provided. 
XXXX Reported both Paid/Closed and Charged Off simultaneously. 
Note : No Original Purchase Agreement has been provided. 
Applied Bank False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : No Original Purchase Agreement has been provided.

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: 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 regarding Chimes handling of disputes, particularly in the light of 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. They informed me that recovering lost funds was impossible and tracking said transactions was infeasible. The CFPB findings indicate that Chime has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: AL

Complaint narrative:
I am related to the above-referenced account. 

The last activity on this account occurred more than seven years ago. The statute of limitations for legal action to collect this debt has expired, and it is now considered " time-barred ''. Under the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from suing or threatening to sue for a time-barred debt. 

I am also aware that making a payment or acknowledging this debt can restart the statute of limitations. This letter is not an acknowledgment of debt

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Equifax 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

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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-10-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA ended the banking relationship as XX/XX/2025. However, they are holding on to my funds in the account. They won't allow me to withdraw my funds are transfer them to another account. This has put me and my child in a financial hardship. I'm facing possible eviction and car repossession. I'm unable to pay any of my bills nor provide food for my home. I have reached out to them several times to resolve this matter and nothing is being done. I am a XXXX veteran and my XXXX check goes into this account as well as my son 's survivors benefits from his father.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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