vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$15000.00} and credit limit fees you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ].

You are hereby notified that Formal dispute inaccurate credit reporting of Fees/Late payments on CLOSED CREDIT CARD ACCOUNT. 
Dear XXXX, I am writing to formally dispute inaccurate and potentially unlawful information your company is reporting to the credit bureaus regarding my account. Credit card issue ; Account is reported as late in 2025, despite being closed Your reporting shows that I'm currently late on this account. This is factual inaccuracy and violates the following provision of the Fair Credit Reporting Act [ FCRA ] ; 15 U.S.C. 1681s-2 [ a ] [ 1 ], { A } Obligates furnishers to provide accurate information to credit reporting agencies. 15 U.S.C.168 s-2 [ a ] [ 1 ] { B } Requires correction or incomplete or inaccurate information once identified. 15 U.S.C. 168 1i [ a ]. Mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. 15 U.S.C.168 s-2 [ b ] ; Requires furnishers to investigate disputes forward by credit reporting agencies and update or delete information accordingly. Reporting late payments on a closed account is inaccurate and misleading, which damages my creditworthiness unjustly.

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 2025-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$15000.00} and credit limit fees you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ].

You are hereby notified that Formal dispute inaccurate credit reporting of Fees/Late payments on CLOSED CREDIT CARD ACCOUNT. 
Dear XXXX, I am writing to formally dispute inaccurate and potentially unlawful information your company is reporting to the credit bureaus regarding my account. Credit card issue ; Account is reported as late in 2025, despite being closed Your reporting shows that I'm currently late on this account. This is factual inaccuracy and violates the following provision of the Fair Credit Reporting Act [ FCRA ] ; 15 U.S.C. 1681s-2 [ a ] [ 1 ], { A } Obligates furnishers to provide accurate information to credit reporting agencies. 15 U.S.C.168 s-2 [ a ] [ 1 ] { B } Requires correction or incomplete or inaccurate information once identified. 15 U.S.C. 168 1i [ a ]. Mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. 15 U.S.C.168 s-2 [ b ] ; Requires furnishers to investigate disputes forward by credit reporting agencies and update or delete information accordingly. Reporting late payments on a closed account is inaccurate and misleading, which damages my creditworthiness unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$15000.00} and credit limit fees you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ].

You are hereby notified that Formal dispute inaccurate credit reporting of Fees/Late payments on CLOSED CREDIT CARD ACCOUNT. 
Dear XXXX, I am writing to formally dispute inaccurate and potentially unlawful information your company is reporting to the credit bureaus regarding my account. Credit card issue ; Account is reported as late in 2025, despite being closed Your reporting shows that I'm currently late on this account. This is factual inaccuracy and violates the following provision of the Fair Credit Reporting Act [ FCRA ] ; 15 U.S.C. 1681s-2 [ a ] [ 1 ], { A } Obligates furnishers to provide accurate information to credit reporting agencies. 15 U.S.C.168 s-2 [ a ] [ 1 ] { B } Requires correction or incomplete or inaccurate information once identified. 15 U.S.C. 168 1i [ a ]. Mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. 15 U.S.C.168 s-2 [ b ] ; Requires furnishers to investigate disputes forward by credit reporting agencies and update or delete information accordingly. Reporting late payments on a closed account is inaccurate and misleading, which damages my creditworthiness unjustly.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau file a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-06-14 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: AR

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 XXXX 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 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 2025-06-14 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have filed multiple disputes with Experian regarding an account with XXXXXXXX XXXX  XXXX XXXX XXXX in XXXX ). Experian responded each time stating that the account remains or was verified, but never provided me with any documentation or details of the investigation, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my formal request for the Method of Verification under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, Experian failed to provide : The name of the party that verified the information The method used to verify it Any supporting documentation from the furnisher Recently, Experian opened a new investigation only after I submitted a new complaint, suggesting the original disputes were never properly investigated.

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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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 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 2025-06-14 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: EQUIFAX, INC.
State: KY

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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hello my phone was stolen and used to send all my money to a random chime account which I have no relations with chime keeps trying to deny me. I am a loyal customer and I deserve my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: OH

Complaint narrative:
Date : XX/XX/year> To : Experian, Equifax and TransUnion Subject : Fraudulent Account Dispute Request for Permanent Deletion ( Ally Financial {$19000.00} ) Dear [ Credit Bureau Dispute Department XXXX XXXX XXXX XXXX Department ], I am writing to formally dispute a fraudulent auto loan account reported in my name by Ally Financial in the amount of {$19000.00}. 
Let me be clear : this account is not mine. I have never financed a vehicle, I do not drive, I have never owned a drivers license, and I am currently XXXX XXXX XXXX. Someone has stolen my personal information and fraudulently opened this account without my knowledge or consent. 

Legal Basis FCRA Consumer Protections : 15 U.S.C. 1681e ( b ) Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Reporting this account under my name is inaccurate and misleading.

15 U.S.C. 1681i Upon dispute, the bureau must conduct a reinvestigation and remove any unverifiable or fraudulent data within 30 days.

15 U.S.C. 1681c-2 ( FCRA 605B ) Upon receiving proof of identity theft, the credit bureau must block the fraudulent account from appearing on my credit report within XXXX business days. 
15 U.S.C. 1681n & 1681o Establish civil liability for willful or negligent noncompliance with the FCRA. 

My Formal Requests : Immediately and permanently delete the XXXX XXXX account ( {$19000.00} ) from my credit report. 
XXXX this account from future reinsertion, unless verified with legitimate, original documentation proving I personally applied for the loan ( which does not exist ). 
Provide written confirmation of the deletion and results of your reinvestigation. 
This situation is a direct result of identity theft, and continuing to report this account is damaging my credit and personal well-being. I am including relevant documentation ( such as an FTC Identity Theft Affidavit and ID theft police report, if available ) to support my case. 
Please act in full compliance with the Fair Credit Reporting Act. If you fail to properly address this issue, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and consider additional legal remedies. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/year> I filed a dispute for 2 XXXX  transactions. I sent in requested info. I'd never recieved the stuff from XXXX. They messaged me on XX/XX/year> & told me they have came to a conclusion on the dispute and that the merchant refunded my money and the case is considered closed. But I have still not recieved the refund it was XXXX XXXX  & XXXX . I dont know what they are doing with the money and why they haven't refunded it yet. It's been over 16 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am disputing a collection account from The CBE Group that appeared on my XXXX  credit report between XX/XX/XXXX and XX/XX/year>. When the account was first reported, CBE Group listed themselves as the original creditor, which was false. A few days later, they changed the listing to show XXXX XXXX as the original creditor but no proof or documentation was ever provided to support either claim. 

I disputed the account with the credit bureau and requested verification of the debt, including the original creditor, proof that the debt is mine, and CBE Groups authority to report or collect on it. I never received this information. 

Despite the lack of verification, XXXX  accepted the account and added it to my credit report, which caused my score to drop. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation before reporting disputed information. 

I am requesting the immediate removal of this inaccurate and unverifiable collection account from my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax regarding a closed account reported by XXXXXXXX XXXX XXXX XXXXXXXX. I requested full verification of the information being furnished, including the original signed contract, complete payment history, and any proof that the account and its details were being accurately reported. 

Despite this, the furnisher verified the account as accurate without supplying any supporting documentation. Equifax then updated the account based solely on unverifiable data, not proper validation. 

Furnishers are legally required under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate and verifiable information and to correct or remove unverifiable information. XXXX XXXXXXXX XXXX XXXX XXXXled to meet this obligation and has continued furnishing disputed data without proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
asked them to remove settled accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
I discovered that someone used my personal information without my permission to open one or more accounts in my name. I did not authorize these accounts or any transactions associated with them. I first became aware of the identity theft when I noticed unfamiliar charges and accounts on my credit report and/or received communication regarding accounts I did not recognize.

I have never opened or used these accounts, and I do not know who accessed my information or how they obtained it. I have contacted the companies involved to report the fraud and request that these accounts be closed and removed from my credit file.

This fraudulent activity has negatively affected my credit and caused me stress and inconvenience. I am submitting this Identity Theft Report to document the theft and to request that the fraudulent information be blocked from my credit report in accordance with my rights under 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 explanation
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
This is my formal demand of immediate removal of an account that has been illegally and deceptively reinserted into my credit file without proper notice, in direct violation of the fair credit reporting act ( FCRA ) specifically section 611 ( a ) ( 5 ) ( B ) 1. 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 2025-06-14 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: CT

Complaint narrative:
RE : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am formally disputing the accuracy and completeness of the following item appearing on my XXXX XXXXedit report as of XX/XX/XXXX : Creditor/Agency : MIDLAND CREDIT MANAGEMENT Account Details : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$1300.00} | Status : Collection Accurate Account # XXXX This account contains inaccurate, outdated, and/or unverifiable information and its continued reporting violates my rights under federal law, including : - FCRA 611 : No evidence of a proper investigation - FDCPA 809 : No debt validation provided - No date of last payment listed; unverifiable status and balance In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I demand that this item be immediately investigated. If the information can not be verified with original documentation from the original creditor within 30 days, it must be PERMANENTLY DELETED from my credit file. 

I request immediate deletion if no original creditor agreement or account-level documentation can be provided. 

Be advised that failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Connecticut Attorney Generals Office. 

Please confirm your receipt of this dispute in writing and provide me with an updated credit report reflecting the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation