vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year> I received an email from Chase stating they decided to close my accounts. This includes checking and 4 credit cards. I called to inquire and no reason was stated and I was told the decision is not reversible. I have had accounts with Chase for about 15 years.

A few days later I received a letter in the mail and the only reason given is " concerning activity. '' On the credit card section it says " unexected activity you conducted on this or another Chase acount. '' I have ran a legitimate cash business for the last 10 years or so and never had a problem. I've done nothing illegal or against Chase terms of service. I would like Chase to reinstate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX DOB XXXX XXXX XXXX XXXX Subject : Inaccurate and Unverified Account Reporting by XXXX XXXX XXXX XXXX Equifax I am submitting this formal complaint against XXXX XXXX XXXX and Equifax for reporting inaccurate and unverified information on my credit file, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance standards. 

The account in question ( XXXX XXXX XXXX, Acct # : XXXX ) is inaccurately listed as a " CollectionOrChargeOff '' with a reported balance of {$12000.00}. According to the report, both the date opened and the date of last activity are the same ( XXXX ), and there is no verified or substantiated documentation to support this debt. 

I have disputed this directly with the credit bureau and creditor and requested validation of the debt. As of this submission, no evidence has been provided, nor have the inaccuracies been corrected or removed. 

This account is affecting my credit standing and financial opportunities. Under FCRA Section 611 and 15 U.S. Code 1681i, I am entitled to a full investigation, timely response, and correction or deletion of any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Collection account from MIDLAND CREDIT MANAGEM with account # XXXX and a balance of {$1400.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-01 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) .In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Complaint Against : LVNV Funding LLC XXXX XXXX XXXX On XX/XX/year>, I submitted a written request to LVNV Funding LLC asking for debt verification under the Fair Debt Collection Practices Act ( FDCPA ). As of XX/XX/year>, I have not received any verification or supporting documentation related to this alleged debt. 
Despite failing to provide verification, LVNV Funding continues to report this debt to XXXX, which has resulted in inaccurate and misleading information on my credit file. The debt is marked as being in collections but is also being reported as " open '', which is factually incorrect and misleading to potential creditors. 
I disputed the inaccurate reporting with XXXX, requesting that the item be removed or corrected due to the failure to verify the debt and the inconsistencies in how it is reported. However, as of this date, XXXX  has not taken appropriate action to remove or correct the account. 
This violates my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA, specifically : * Failure to verify the debt upon written request ( FDCPA XXXX ) * Continued reporting of unverified and inaccurate information ( FCRA 1681s-2 ) * Failure to conduct a proper reinvestigation after dispute ( FCRA 1681i ) Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-01 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This letter serves as a formal dispute and validation request regarding the alleged debt referenced in your recent communications. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and the Consumer Financial Protection Bureau 's regulations at 12 CFR 1006.34, I hereby demand immediate validation of the debt you claim I owe. 

Your previous communication fails to comply fully with statutory validation requirements as established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which mandates clear, concise, and complete validation information. 

Specifically, you must provide : The identity and address of the original creditor pursuant to 15 U.S.C. 1692g ( a ) ( 5 ). 

A comprehensive itemization of the debt, detailing all principal, fees, interest, and other charges as required under 12 CFR 1006.34 ( c ).

Verification documents proving my obligation and the accuracy of the claimed debt in accordance with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please be advised, if you fail to fully validate this debt as requested within the statutory 4 -day validation period, you must cease all collection activities immediately as stipulated by 15 U.S.C . 1692g ( b ) and remove any adverse reporting to credit bureaus per XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Your prompt attention to this matter is mandatory under federal law. Non-compliance will result in appropriate legal action to enforce my rights under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX, I financed a vehicle through Credit Acceptance Corporation. Due to a court case in XXXX, my car was taken into custody by law enforcement and was never returned to me. This was not a voluntary surrender. I submitted police and court documentation to XXXX  during my dispute, requesting that this tradeline be corrected or removed. Despite this, XXXX  continues to report the account as Voluntarily Surrendered with a past due balance of over {$25000.00}. I dispute both the accuracy of the status and the balance being reported. I am actively working to rebuild my credit and correct inaccurate information. I believe the investigation was incomplete or improperly verified.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: FL

Complaint narrative:
I opened an account with Netspend that is FDIC secured through XXXX XXXX  XXXX on XX/XX/XXXX taking advantage of a welcome promo where if deposited my paycheck of {$400.00} or more and if I activated my debit card, I would be rewarded with a {$200.00} bonus within 5 business days of meeting the requirements. I opened the account on XX/XX/XXXX and deposited my paycheck from my job on XX/XX/XXXX. Shortly after I received the card which I activated. Please see attached the evidence of me applying with {$200.00} offer. There has been almost XXXX weeks since I met the requirements and I still have not received my bonus. Customer Service is useless. They keep asking for the same information about the promo which I have provided and they keep moving me in circles. This is unacceptable and I feel devastated by the treatment I have received as customer. I have completed everything to the point and am requesting credit as promised

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 2025-08-01 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 letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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

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 2025-08-01 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: NY

Complaint narrative:
As the consumer affected by identity theft and fraudulent credit reporting, I am requesting the following resolution, in compliance with the FCRA ( Fair Credit Reporting Act ) and related federal laws : Permanent Deletion of all accounts and hard inquiries listed below, which were previously disputed and proven to be fraudulent : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Full Blocking of these items from my credit file under 15 U.S.C. 1681c2, which mandates blocking of identity theft-related information within 4 business days after receiving proper documentation.

Updated and Corrected Consumer Report I request that a clean and corrected credit report be sent to me reflecting the removal of all fraudulent accounts and inquiries.

Written Confirmation I expect a written letter confirming : That each disputed item has been investigated The outcome of the investigation Which items were deleted or blocked An explanation if any item remains ( including documentation showing my authorization, which I know does not exist ) Compliance with Legal Timeline I expect full compliance with FCRA reinvestigation timelines : 30 days from receipt of dispute documentation ( or 45 days if additional information is provided ) 4 business days for blocking information under identity theft provisions No Further Stall Tactics or Template Responses I want this matter handled seriously and with urgency. I do not accept vague or generic form letters as a response to a clear and substantiated case of identity theft.

If the above resolution is not provided, I will escalate this further by filing formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Office of the Attorney General ( in both my state and the companies states ) Additionally, I reserve my right to pursue legal action for continued violations under FCRA 616 and 617, seeking statutory and actual damages.

Attached Documents Already Provided Include : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of address I am only asking for what the law already requires : that my credit report accurately reflect only the information I authorized. Please act accordingly.

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 2025-08-01 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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