vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This complaint is also my official request for debt validation to Midland Credit Management. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Midland Credit Management to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate accounts that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-12-03 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
I am writing in response to your letter stating that refund check was reissued on XX/XX/year>. 

I want to be explicitly clear : I am not in possession of refund check, and I have never received it. 

The issue is not whether or when the check was mailed. The issue is non-receipt. As of today, the check remains outstanding, has not cleared, and has not been returned to your organization. 

This matter has been unresolved since XX/XX/year>. 

To avoid any misunderstanding, I am stating the following facts clearly : I did not receive refund check I am not in possession of the check. 

Because I do not have the check, I am unable to cash, deposit, or return it. 

Confirming the date the check was mailed does not resolve the non-receipt of funds. 

I have also included documentation showing established payments, and tracking from the postal service for the dates of the mailing I received from Launch as well as a confirmation for missing mail request. 

Additionally, your organization has previously sent refund checks to incorrect addresses, even after address updates were provided. Given this history, reissuing paper checks without voiding the outstanding item has not resulted in successful delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I wish to dispute these accounts because I did not open them or authorize their creation. Please conduct a proper review and remove them from my records. Relevant documents are included to assist you.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: IL

Complaint narrative:
On XXXX  I made a pay in 4 purchase through Zip for a total of {$36.00}. This purchase was used for the merchant XXXX, however immediately after making this purchase doordash shut down my account for reasons they will not disclose to me. They have refused to issue me a refund for the order and i never received my delivery. I have already contacted this merchant as well as fwd the issue to the XXXX  However Zip has refused to be cooperative with this issue and start a dispute process despite me showing them evidence of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 have no involvement with the accounts listed, as I never opened or authorized them. Please review the information carefully and remove the accounts from my profile. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CO

Complaint narrative:
I am disputing the accuracy of several accounts listed on my TransUnion credit report, including charged off accounts and reported late payments. These entries are incorrect and negatively affecting my credit. I request a full investigation and correction in accordance with the FCRA. 

Dispute Type : Charged Off Accounts Account Name Account Number Date Opened Balance Issue XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} Incorrect reporting / Charged off XXXX XXXX XXXX XX/XX/XXXX {$680.00} Incorrect reporting / Charged off XXXX XXXX XXXX XX/XX/XXXX {$150.00} Incorrect reporting / Charged off XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Incorrect reporting / Charged off Dispute Type : Late Payments Account Name Account Number Issue XXXX XXXX XXXX Incorrect late payment reported XXXX XXXX Incorrect late payment reported

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 2025-12-03 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 am writing to dispute the following accounts as they do not accurately reflect my credit history. I am requesting a thorough investigation and correction of these discrepancies. Please find the details of my dispute below. 

Charged-Off Accounts XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} Inquiries XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was a total loss and paid in full effective XXXX. I was never 30 days late on any payments. The last payment owed was for XXXX XXXX  that was paid {$810.00}, how is it reporting 30 days late for XXXX XXXX. I called on XXXX to XXXX  after receiving an alert that all three credit bureaus reported this account over 30 days for the month of XXXX XXXX The rep stated he didn't show any late payments and could not help me and advised me to get with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was a total loss and paid in full effective XXXX I was never 30 days late on any payments. The last payment owed was for XXXX XXXX that was paid {$810.00}, how is it reporting 30 days late for XXXX XXXX. I called on XXXX  to XXXX  after receiving an alert that all three credit bureaus reported this account over 30 days for the month of XXXX XXXX. The rep stated he didn't show any late payments and could not help me and advised me to get with the bureaus.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
This is a follow up to my earlier complaint. On Monday, XXXX XXXX XXXX I went to the XXXX Arvest branch. I might add the bank manager made me feel like a thief and a liar. He was very rude and Arrogant hes not anybody I wan na see again. 
I took in a letter saying as a retiree of XXXX XXXX XXXX it was illegal for them to hold my check or use it for overdraft charges Oklahoma Law ( 74 O.S. S 923 ) stating these benefits are fully exempt from garnishment, attachment, execution, or bank set-off. Holding these funds are illegal

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I dont know this account. All my debt has been paid off or written off. I dont know this one. They call every day and call from different numbers. Getting so tired of blocking calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime ran a promotional incentive offering {$300.00} for a limited time to users referring their friends if they met certain deposit requirements. I sent a referral link during this time period to one of my friends and they got the qualifying deposit as well as the {$100.00} bonus they were supposed to get. The referrer ( me ) was promised {$300.00} however only received the {$100.00} instead of {$300.00}. This was addressed with Chime and having talked to multiple customer service agents for hours they denied any such offer even after emailing them the email with the offer that was sent to me. See attached screenshots. They acknowledged all the requirements were met within the given timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, that assurance has not been honored, as these inquiries persist on my report. This failure to fulfill the commitment is unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-03 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has failed to process my Income-Contingent Repayment ( ICR ) application for several months, despite confirming receipt and placing my loans into administrative forbearance. While I am in forbearance and no payments are required, XXXX is incorrectly reporting my account as delinquent to the credit bureaus. 

This inaccurate reporting is damaging my credit and has continued despite my multiple attempts to contact XXXX, submit disputes, and provide documentation. XXXX has not corrected the reporting and has not processed my repayment plan, leaving me in administrative limbo.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Subject : Inaccurate Credit Reporting After Paid Wage Garnishment I am submitting this complaint because TD Bank USA is reporting inaccurate and misleading information on my credit file for an account that was paid in full through wage garnishment. Despite satisfying the debt, the company persists in reporting that I still owe a balance of {$250.00}. They have also continued to add late payments to my credit file payment history after the obligation was fully paid, which is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to provide accurate, complete, and up-to-date information to the credit bureaus. This company has failed to update the account to show a XXXX balance, paid/satisfied, and no additional delinquencies after the date the garnishment ended. Instead, they are repeatedly marking me as late each month, which is misleading and damaging to my credit score. 

The debt was fully paid through garnishment, which means I had no control over the payments, and the creditor received all funds automatically. Continuing to report late payments or an active balance after receiving full payment is false, deceptive, and a violation of the FCRA and possibly the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$480.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1100.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries : I am disputing the following inquiry on my Experian credit report : XXXXXXXX XXXX XXXXXXXX - Date : XX/XX/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