vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an unsolicited offer to earn a {$500.00} bonus for opening an American Express High Yield Savings Account ( HYSA ). The following timeline applies : XXXX ) XX/XX/year> - Offer received ( terms shown on page 6 of email ) 2 ) XX/XX/year> - Account opened XXXX ) XX/XX/year> - Linkage to my bank ( XXXX  ) confirmed by Amex 4 ) XX/XX/year> - Deposit of {$25000.00} confirmed by Amex 5 ) XX/XX/year> - Follow up on status of bonus payment resulted in denial by Amex, claiming I failed to meet the 30 day deposit window after account opening.

I have attached confirming emails for each of events 1 through 4 above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: WI

Complaint narrative:
I am writing to dispute multiple items on my credit report. These items were not properly reported or are inaccurate, and I request their correction in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details for the items I dispute, separated by bureau : Equifax ( EQ ) Charged-Off Accounts : XXXX  Inquiries : XXXX, XX/XX/year> Positive Accounts : XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: GA

Complaint narrative:
previous complaint number XXXX Arcon Credit Solutions responded to my previous complaint with statements claiming they mailed debt validation and detailed documents on XX/XX/year>. I never received any such documentation. Their response attempts to close my complaint while providing no verifiable proof of delivery, no itemized accounting, and no chain of title showing legal ownership of the alleged account. 
Additionally : The balance they claim changed between charge-off and sale with no explanation or accounting, which is required under FDCPA validation rules. 

They reference notices allegedly sent by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ), but I never received either notice. 

They did not provide copies, proof of mailing, or proof of delivery. 

They are attempting to deem the debt validated without providing the validation directly to me. 

They are attempting to close my dispute without supplying legally required documentation. 

I request the CFPB require Arcon and its client XXXX to : Provide a full validation package directly to me. 

Provide proof of delivery for all referenced notices. 

Provide a complete transaction history from account opening to charge-off. 

Provide chain of title proving legal ownership and right to collect. 

Cease collection until proper validation is provided. 

I am requesting this matter remain open until proper validation is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint because I was a victim of identity theft, and Chime wrongfully denied my Regulation E dispute despite clear evidence that the transactions were unauthorized. 

On XX/XX/year>, someone gained unauthorized access to my Chime account, transferred {$530.00} out, and then immediately changed my phone number and email address locking me out of my own account. This was documented in Chimes own system alerts.

Evidence I provided to Chime included : -FTC Identity Theft Report -Proof of an unauthorized login from an unfamiliar location -Emails showing my phone number and email were changed immediately after the fraudulent transfer -Chime system alerts confirming a login from a new device/location -My normal login earlier that morning from my usual IP/location -Screenshots of account takeover activity -Evidence that I could not have authorized the transaction because I was locked out immediately after the hacker changed my credentials Despite this, Chime denied my claim and stated no error occurred, which is incorrect and a violation of : Regulation E ( 12 CFR 1005.6 & 1005.11 ) Under Reg E, consumers are protected from unauthorized electronic fund transfers especially when account takeover occurs. Once a fraudster changes contact information and takes control of the account, the transactions are necessarily unauthorized.

Chime failed to : Properly investigate my claim Consider clear takeover indicators Follow federal error-resolution procedures Provide a reasonable explanation for their denial This denial has caused severe financial hardship, and I am requesting that the CFPB intervene to ensure Chime reopens the case and reimburses the {$530.00} stolen from me as required by law. 

I have also filed a police report with XXXX XXXX XXXX. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint as a victim of identity theft. Several credit accounts were opened fraudulently using my personal information without my knowledge, permission, or authorization. I did not request, open, or use any of these accounts. I have no relationship with the individuals responsible for this fraud, and I had no involvement in these transactions. 

I am attaching an official Identity Theft Report from the Federal Trade Commission ( FTC ) as well as documentation proving my continuous residency in XXXX, including my W-2 forms for XXXX. These documents show that I have never lived in XXXX, which is where these fraudulent accounts were opened. This further demonstrates that I am not connected in any way to these accounts. 


-- - Legal Basis and Required Actions FCRA 605B ( 15 U.S.C. 1681c-2 ) Under 605B, consumer reporting agencies are required to block information resulting from identity theft within four ( 4 ) business days after receiving : ( 1 ) an Identity Theft Report, and ( 2 ) proof of identity.

I am formally requesting the immediate blocking of all fraudulent accounts and tradelines listed in my FTC Identity Theft Report. 

FCRA 1681s-2 : Duties of Furnishers Furnishers who reported these fraudulent accounts must : Conduct an investigation upon notice of a dispute, and Permanently stop reporting information that they know or reasonably should know is the result of identity theft. 
I request that each furnisher involved investigate promptly and remove any information they can not fully verify as legitimate. 

FCRA 611 ( 15 U.S.C. 1681i ) : Reinvestigation Requirements Consumer reporting agencies must conduct a reasonable reinvestigation within 30 days. 
If they can not verify the accuracy of the disputed information, they must delete or permanently block it. 
I request full compliance with 611, including written confirmation of the reinvestigation results.

-- - Relief Requested 1. Immediate 605B blocking of all fraudulent accounts and tradelines identified in my FTC Identity Theft Report.

2. Investigation by each furnisher involved ; removal of all unverified or fraudulent information ; and notification to all consumer reporting agencies.

3. Written confirmation from both the CFPB and the companies involved regarding the results of their investigations and all corrective actions taken.

4. Assurance that no deleted or blocked information will be reinserted into my credit files unless all FCRA reinsertion procedures are followed.

-- - Supporting Documents Attached FTC Identity Theft Report W-2 forms ( XXXX, XXXX, XXXX, XXXX ) showing Georgia residency Copy of my government-issued ID Copy of FCRA 605B ( 15 U.S.C. 1681c-2 ) Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Immediate Cease and Desist Unlawful and Harassing Debt Collection Attempts To Whom It May Concern, This letter is a final and formal Cease and Desist demand regarding your ongoing and harassing attempts to collect an alleged debt from me. Your continued communication and collection tactics are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and your conduct has crossed into unacceptable and unlawful behavior. 
Effective immediately, you are ordered to STOP ALL CONTACT with me in every form including calls, messages, emails, mailed notices, or contact with third parties. You are further prohibited from any additional attempts to collect this alleged debt unless and until you provide legally required full and complete written validation, including : A detailed breakdown of the alleged amount The name and information of the original creditor Legal documentation proving that you have the right to collect Any contract, agreement, or document bearing my signature You have failed to provide this information, yet continue collection attempts. This is a violation of federal law. 
If you continue your unlawful conduct or fail to comply with this Cease and Desist notice, I will immediately take action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the XXXX XXXX  Attorney General Pursuing civil litigation seeking statutory damages, legal fees, and any additional relief available under federal law I am not required to warn you again. You are required to confirm in writing within 10 days that all collection activity has ceased. 
This is your final notice. Any further contact other than written confirmation of compliance will be documented and used as evidence of willful violation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I recently reviewed a copy of my credit report and noticed fraudulent activity. An account posted with XXXX XXXX XXXX I have no knowledge of or any contacts. This Fraudulent account is making difficulties to obtain credit.

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my report, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! '' since XXXX XXXX I have been disputing these unauthorized inquiries on my profile to no avail. 
Transunion XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX Na XXXX. XXXX XXXX, XXXX XXXX XXXX Equifax Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was previously deleted from my credit file. It has now been reinserted without the required notice. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency must notify the consumer within 5 business days when reinserting previously deleted information. I did not receive any such notice. 

Because this reinsertion violates federal law, I am requesting : Immediate removal of the XXXX  XXXX XXXX account, and A full reinvestigation, including documentation showing ( a ) the furnishers certification of accuracy and ( b ) the notice Equifax claims to have sent me. 

If Equifax can not provide proof of certification and proof of timely written notification, this account must be permanently deleted. 

Please send corrected results to me in writing.

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 2025-11-27 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:
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 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MN

Complaint narrative:
I am writing to dispute the accuracy of information that appears on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

After reviewing my credit report, I found the following item ( s ) to be inaccurate, incomplete, The account was paid in full, This item is outdated and should no longer be reported, update status, etc.I request that you conduct a reasonable investigation of this matter as required by the FCRA and provide me with written confirmation of the results. Please remove or correct the disputed information that you are unable to verify. Please send me an updated copy of my credit report once your investigation has been completed. 
Thank you for your prompt attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
I am submitting a dispute regarding the following accounts on my credit report. I believe the information is inaccurate or unverifiable and request that each of the credit bureaus investigate and correct these discrepancies according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Disputed Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IN

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe are inaccurate or incomplete. The following accounts are currently under dispute with the credit bureaus : Charged Off Accounts : XXXX, XXXX, XX/XX/year>, {$0.00} Late Payment : 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 2025-11-27 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent activity. An account posted with XXXX XXXX XXXX I have no knowledge of or any contacts. This Fraudulent account is making difficulties to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-27 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: TN

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am disputing several items on my Equifax credit report that appear inaccurate or unverifiable. 

Charged-Off Accounts XXXX  XXXX Acct # XXXX Reported DOFD XX/XX/XXXX Balance {$1900.00} XXXX XXXX Acct XXXX XXXX Reported DOFD XX/XX/XXXX Balance {$2600.00} XXXX XXXX  Acct XXXX XXXX Reported DOFD XX/XX/XXXX Balance {$38000.00} These accounts show inconsistencies and I am requesting full verification or removal. 

Inquiries XXXX XX/XX/XXXX I do not recognize this inquiry and I am requesting verification of permissible purpose. 

Late Payments XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX I believe these late payment entries are incorrect and should be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief