vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

Please delete the following accounts : 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 Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights.

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report
within four business days.

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 2025-08-27 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: AZ

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 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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Requested validation of debt XX/XX/XXXX I was sent-Response to Debt Collection Correspondence Failure to Validate Debt XXXX document provided was a printed bill dated XX/XX/XXXX, which does not constitute valid proof of indebtedness. and does not match credit reporting to all XXXX agencies. 
XXXX. The bill reflects service charges allegedly from XX/XX/XXXX to XX/XX/XXXX at an address where I had no residency XXXX failed to provide a contract, agreement, or any documentation containing my signature, which would prove that I ever applied for, authorized, or received services from XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX me a so-called fraud packet instructing me that I was required to follow its directions before any inaccurate reporting would be deleted from my credit reports. This is improper, misleading, and not a substitute for your legal obligation to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX I did not receive a paycheck {$570.00} it went to the wrong account I have contacted XXXX and they told me they will revert it to the right account As of today XX/XX/XXXX I called customer service again and they have knowledge the amount is in a different account and are refusing to send it back to my employer Ive contacted payroll and been in contact with them ( XXXX XXXX ) in XXXX XXXX Texas address is XXXX XXXX they also told me they disputed the amount in the wrong account. So I dont know if they kept the money for themself or just not wanting to do their job and send it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am writing in response to a phone call received regarding an alleged debt that you claim I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, which entitles me to request validation of this debt.

Please provide the following : The name and address of the original creditor ; The amount of the alleged debt, including a breakdown of all fees and interest ; Proof that you are authorized to collect this debt ; A copy of the original signed contract or agreement that substantiates the debt ; Documentation showing the chain of custody/ownership of the debt ( if it was sold or transferred ).

Until this debt is validated, you are required to cease all collection activities, including reporting this debt to credit reporting agencies, and must not contact me other than to provide the requested documentation.

If you do not provide the requested validation within 30 days of receipt of this letter, or if you continue collection efforts without providing proper validation, I will consider this matter closed and XXXX report your actions to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please respond in writing only.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Starting beginning of XXXX i called huntington XXXXXXXX XXXX XXXXXXXX I would verify with their automated system then get re routed to a dept. I talked to XXXX person who waived a fee pf {$25.00} but as i knew multiple payments were scheduled to come out i asked about freezing the account or stopping overdraft payments. They sent me to different departments. I called for over a month. Some said there was no way to freeze an account or stop payments, some said it would be automatic, some told me they could waive all my overdraft fees. Each time after the first call, they would ask me to verify my name, full social, account number, date of birth & address. Every single agent. It being the XXXX number I had no problem. Even though I verified through the system. But they could never give me a case number or recird of call number. Finally i called a branch itself because their answers always conflicted. Same thing happened. They asked me to verify my information. The branch in XXXX XXXX michigan XXXX a XXXX answered and also said she couldn't help me after getting my information. Then I called the XXXX XXXX XXXX XXXX XXXX and XXXX answered again. So i knew it was a scammer i then called the madison heights location XXXX And i spoke to XXXX. I spoke to her & found out that the entire month of calls only a few agents were real. She informed me of scammers " spoofing '' or having huntington numbers calls rerouted to them. She said huntington has gotten several complaints. But i as a huntington consumer was never alerted of the scam or notified to only go into the banks & not call. Now the scammers have all of my necessary information and i have to go through an identity theft process, which im sure many others will too. This is a serious situation that resulted in a data breach /financial/emotional & mental distress & should have been made aware to their consumers. Please look into this matter. I have the call with XXXX confirming that they knew about the data breach for months recorded on my phone but this platform only allows for photos i would be happy to provide ot via email or another secure platform

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 XXXXXX/XX/XXXX, Balance : {$8900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action. Please see the attached file.

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 2025-08-27 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Fraudulent account reporting on my credit and XXXX  and the creditor midland has yet to remove and stop reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
there some info on my report that is not mine please remove

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 2025-08-28 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: Credit Control, LLC
State: AZ

Complaint narrative:
Account info Account name CREDIT CONTROL , LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$710.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$710.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$560.00} Highest balance - Terms 1 Month On record until XX/XX/year> XXXX a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, 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 2025-08-27 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR, XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX And : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ar XXXX RE : Formal Repossession Dispute Account # XXXX Vehicle Information : XXXX XXXX XXXX  Model XXXX ] To Whom It May Concern, This letter serves as a formal dispute of the repossession and any alleged deficiency balance associated with the above-referenced vehicle. The vehicle was repossessed by XXXX XXXX in the XXXXtate of Arkansas on or about XX/XX/XXXX and resold on or about XX/XX/XXXX. 
Under both federal and state law, specifically UCC 9, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ), you are required to have provided all applicable legal notices, including the right to cure, notice of intent to sell, and post-sale confirmation, in a timely and verifiable manner. Without such documentation, the creditor and any collector attempting to enforce a deficiency balance are in clear violation of these statutes. 
I am formally requesting the following : 1. Immediate removal of this repossession and any associated deficiency from all credit bureaus, as the legal foundation for continued reporting has not been established.

2. All documentation showing compliance with federal UCC and state repossession statutes, including : o Proof of the notice of default and right to cure o Pre-sale notice of intent to sell o Confirmation of a commercially reasonable sale o Final deficiency calculation 3. Proof of ownership and legal assignment of the alleged debt by any third-party collector attempting to collect.

If you are unable to provide all of the above within 14 days from the receipt of this letter, you must immediately cease all collection and reporting activities related to this account. Failure to do so constitutes willful noncompliance under 15 U.S.C. 1692e, 1681s-2 ( b ), and UCC Article XXXX, and will result in formal complaints being filed with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ). 
Let this serve as a final opportunity to resolve this matter without further legal escalation. If no response is received with full documentation, I will pursue all available remedies, including civil litigation, to recover damages for inaccurate reporting and unlawful collection efforts. 
Sincerely, 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