vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing in direct response to the recent correspondence from Experian indicating that a previously submitted dispute under my name was flagged as suspicious and possibly not initiated by me. I want to make it explicitly clear that I am the rightful consumer who initiated that dispute, and I take full ownership and responsibility for the submission. It is unfortunate that my valid attempt to correct inaccuracies on my credit report was deemed questionable, but I understand that Experian has security measures in place to protect consumers from fraudulent activity. 

That said, I wish to clarify without any ambiguity that the dispute was sent by me in good faith, with the intention of correcting erroneous information on my file. I am now resubmitting my dispute formally and directly, along with all of the necessary identifying documentationsuch as my full name, Social Security Number, date of birth, and current addressto eliminate any doubt about the authenticity of this request.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account as soon as possible from my credit report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: U.S. BANCORP
State: SC

Complaint narrative:
I provided clear proof that I purchased a product from XXXX and the item I purchased was covered under a 100 % Satisfaction Guaranteed or a 100 % refund. The company refused to provide the refund, then removed access to the misrepresented items with a statement he would sell to someone else. The misrepresented item was continuously misrepresented by the company via chat. They were asked if the product would work as expected or I would need to cancel the order. They insisted it would work in the recorded chat and gave instructions for using the product. When there was a problem with the item the company refused a refund under their guarantee and stated the misrepresented item was clearly marked. I have received absolutely nothing tangible for my purchase of approximately {$160.00}. A dispute was filed with US bank with the proof and they still denied my proven and legitimate claim. They are breeching their duty by not providing the protections they advertise.

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 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I discovered a debt collection entry from Credit Collection Services ( CCS ) regarding a XXXX XXXX account. 

While the name and address listed may be mine, I have never opened any account, received services from, or signed any contract with XXXX XXXX. 

This is clearly a billing or reporting error. I do not owe this debt. 

I request that CCS provide full documentation to validate this debt, including a signed contract. If they can not provide such evidence, I demand this collection be removed from all credit reports and collection activity cease immediately. 

This false debt collection has harmed my credit reputation and caused unnecessary stress. I request immediate correction and a formal apology from the company. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'I am writing to formally request the immediate blocking of the following fraudulent accounts from my credit file, pursuant to my rights under the **Fair Credit Reporting Act (FCRA) Section 605B / 15 U.S.C.  1681c-2**.\n\nThe following accounts were not opened or authorized by me and are the result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am enclosing a copy of my **FTC Identity Theft Report**, along with a copy of my **government-issued ID** and **proof of address**, as required.\n\nUnder FCRA  605B, you are legally obligated to block this information within **four (4) business days** of receiving this request. These accounts were opened without my knowledge or consent, and I am exercising my right to have them permanently removed from my credit report.\n\nPlease send confirmation in writing once these items have been blocked or if any additional documentation is required.\n\nI have previously contacted each bureau via certified mail about these items. Here are the tracking numbers \n- TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with 15 U.S.C.  1681i(a)(7), I am formally requesting that you provide me with a clear description of the procedure used to determine the accuracy and completeness of the information I am disputing. This includes:XXXXThe name, address, and telephone number of each person or entity you contacted during your investigation.XXXXtThe method(s) used to verify the disputed item(sXXXX you are unable to provide this information within the time allowed by law, I request that the disputed account(s) be immediately deleted from my credit file, as failure to verify constitutes a violation of the Fair Credit Reporting Act.'

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 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding what I believe to be a predatory auto financing agreement arranged through an online vehicle purchase platform. 

On [ insert purchase date ], I entered into a financing agreement with what I assumed were fair and transparent terms. However, after reviewing the loan documents and charges, I was shocked to discover that I had been subjected to an extremely high annual interest rate of approximately 32 %, which had not been clearly disclosed or properly explained at the time of signing. 

Furthermore, I was not provided with an amortization schedule or a clear outline of the total amount I would pay over the life of the loan. Upon further investigation, I found that I would end up paying nearly three times the actual value of the vehiclesomething I find both abusive and exploitative. 

When I contacted the financing company to request a payoff amount, I received no clear or concrete figure. This lack of transparency and customer service has only deepened my concerns. 

I feel that I was pressured into signing the agreement without adequate time or information to fully understand its terms. I believe these practices could be considered deceptive and harmful to consumers, particularly those who trust in the good faith of businesses operating online. 

I respectfully request an investigation into this matter and would like assistance with the following : 1. A review of my financing contract.

2. A clear, written explanation of the interest rate, total repayment amount, and a full payment schedule.

3. The possibility to refinance under more reasonable terms or cancel the contract without penalties. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I have been dealing with an identity mix-up on my Experian credit report for several years. This involves another individual with the same name but a different date of birth and residence. Because of this, my Experian file repeatedly includes incorrect personal information, fraudulent accounts, and collection items that do not belong to me. 

While debt collectors often remove the false accounts after I dispute them, Experian has never acknowledged or investigated the root cause of this identity file mix-up. Instead, they simply remove the specific item and allow new errors to appear over time. 

I have already submitted a police report confirming identity compromise, and I also received a letter from XXXX XXXX XXXXXXXX acknowledging that my file may have been mixed with someone elses. 

This is not a case of isolated identity theft. This is a systemic, ongoing issue of file contamination that Experian has failed to correct, causing emotional distress, credit score damage, and repeated financial harm.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-06-13 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: FL

Complaint narrative:
b'I am writing to formally request the immediate blocking of the following fraudulent accounts from my credit file, pursuant to my rights under the **Fair Credit Reporting Act (FCRA) Section 605B / 15 U.S.C.  1681c-2**.\n\nThe following accounts were not opened or authorized by me and are the result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am enclosing a copy of my **FTC Identity Theft Report**, along with a copy of my **government-issued ID** and **proof of address**, as required.\n\nUnder FCRA  605B, you are legally obligated to block this information within **four (4) business days** of receiving this request. These accounts were opened without my knowledge or consent, and I am exercising my right to have them permanently removed from my credit report.\n\nPlease send confirmation in writing once these items have been blocked or if any additional documentation is required.\n\nI have previously contacted each bureau via certified mail about these items. Here are the tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Equifax XXXX XXXX XXXX XXXX  accordance with 15 U.S.C.  1681i(a)(7), I am formally requesting that you provide me with a clear description of the procedure used to determine the accuracy and completeness of the information I am disputing. This includes:XXXXThe name, address, and telephone number of each person or entity you contacted during your investigation.XXXXThe method(s) used to verify the disputed itemXXXXXXXX you are unable to provide this information within the time allowed by law, I request that the disputed account(s) be immediately deleted from my credit file, as failure to verify constitutes a violation of the Fair Credit Reporting Act.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-06-13 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: FL

Complaint narrative:
This letter is a final escalation and a formal record of your continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I refer to my previous letter, dated XX/XX/XXXX, wherein I identified a list of unauthorized or unverified inquiries that you have allowed to remain on my credit report, despite my documented dispute and request for a proper investigation. 

You have not provided any documented results of an investigation, nor have you removed the inquiries in question. This is a direct and willful violation of FCRA 611 ( a ) and 604 ( a ) ( 3 ), which governs the permissible purposes for accessing a consumers credit report. Your failure to act in good faith or respond within the required time frame constitutes a breach of your legal obligations and subjects you to potential civil liability under FCRA 616 and 617.

Summary of Your Violations : Failure to investigate disputed inquiries within the 30-day time frame mandated by FCRA ; Failure to provide documentation showing that these entities had a permissible purpose to access my credit file ; Continuing to publish unverified and potentially unauthorized inquiries, thereby damaging my creditworthiness.

Renewed Demand : You are hereby given one final opportunity to correct the following before I proceed with legal action : Provide written documentation verifying the permissible purpose under FCRA 604 ( a ) for each inquiry listed in my prior letter ; Provide contact information and identity validation of each party that accessed my credit report ; Remove all unverifiable inquiries from my credit file immediately ; Send me a detailed reinvestigation report within 15 calendar days from the date of this letter.

If you are unable to provide documentation that confirms a legitimate business relationship or a permissible purpose for any of the listed inquiries, the law is clear : you must delete them.

Legal Action Pending : If I do not receive a full and compliant response by [ insert deadline 15 calendar days from todays date ], I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit reports to the Federal Trade Commission ( FTC ) and my State Attorney General ; Initiate a civil lawsuit against Equifax for willful and/or negligent violations of FCRA, including : 1. Statutory damages of up to {$1000.00} per violation ; 2. Actual damages including credit denial and emotional distress ; 3. Punitive damages, attorneys fees, and legal costs. 
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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account as soon as possible from my credit report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
1. After several attempts asking for credit report updates, the three major credit bureaus, Equifax, TransUnion, and Experian, refused to remove the student loan record from my files.

2. These three credit bureaus allowed my data to be hacked and have not contacted me to compensate me as they did with other customers whose data was hacked.

3. The three credit bureaus failed to freeze my accounts even after being asked to do so.

4. The three credit bureaus continue to mix business credit with personal credit.

5. These credit bureaus continue to respond just to close my complaint and keep the CFPB from pursuing my case.

6. Delete all hard inquiries from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime for a charge in the amount of {$630.00}. On XX/XX/year>, I received both an email and an in-app alert confirming that my dispute was approved and that a credit would be issued to my account. I have attached copies of both the email confirmation and the app alert for your reference.

Despite multiple follow-ups with customer service, including conversations with management within the dispute department on two separate occasions they escalated this situation, my account has still not been credited the approved amount. Each representative has confirmed that the dispute was approved, and that the credit was authorized. However, they have also confirmed that there is no record showing the funds were actually applied to my account. 

At this point, this situation has been ongoing for over 90 days, despite my repeated good faith attempts to resolve the matter directly with Chime. I have been extremely patient, but I now feel misled and deeply frustrated by the lack of resolution and accountability. I have done everything that has been asked of me, and yet the funds I was rightfully awarded are still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: LEXISNEXIS
State: TX

Complaint narrative:
Victim of ID theft. Several accounts were opened fraudulently in my name. Trying to remove them. Need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief