vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate Account XXXX XXXX  I am writing to dispute the inaccurate and conflicting information being reported on my credit file regarding the account listed below : Creditor Name : XXXX XXXX  Account Number last four : [ XXXX ] Reported Delinquency : 60 Days Late ( XX/XX/XXXXXXXX  ), then 120 Days Late ( XX/XX/XXXX ) Inconsistencies & Violations : 1. Chronological Impossibility : Reporting the account as 60 days past due in XX/XX/XXXX followed by 120 days past due in XX/XX/XXXX is factually and mathematically impossible under any standard payment schedule. A 120-day delinquency can not chronologically follow a 60-day delinquency that occurred nearly a year earlier. Also statement shows worst history 60 days past due not 90 or 120+. 
2. Violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This reporting fails that test.

3. Violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : As a consumer, I am disputing the accuracy and completeness of this account. You are now legally obligated to conduct a reasonable reinvestigation and delete the account if it can not be verified accurately.

4. Violation of FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I am demanding disclosure of all documentation used to furnish this derogatory information, including payment history, delinquency logs, and original reporting from the furnisher.

Demand for Immediate Action This entry is factually and legally deficient. The conflicting dates and severe delinquency claims are : Inaccurate Misleading Unverifiable Damaging to my credit profile If you are unable to verify the accuracy of the reported data with documented evidence, as required by law, you must delete this XXXX XXXX  account from my credit file entirely. 

Failure to act within 30 days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue remedies under 15 U.S.C. 1681n for willful noncompliance and damages under 1681o for negligent failure to maintain accurate records.

Supporting Enclosures : Copy of my government-issued ID Proof of current mailing address Copy of the disputed credit report with XXXX XXXX  account highlighted I expect a written response detailing the results of your reinvestigation, as required by law. If you can not verify this account with original documentation from XXXX XXXX, it must be deleted in full. 

Sincerely, 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 2025-06-22 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: WI

Complaint narrative:
On or about XX/XX/XXXXXXXX  I called Equifax Credit bureau about fraudulent information being reported to my current consumer report. This information is being reported on my consumer report fraudulently as i have no knowledge of this information. The information in question is as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXThe parties at fault here are XXXX  but mainly Capital One due to them charging interest while my account was restricted and they were not finishing their investigation in a timely manner. I uploaded all documents as requested and kept delaying it by saying one more things needs reviewed all the time XXXX be it a dispute or an account restriction they always did this and now its been 9 business days and tomorrow is the 10th business day and they keep delaying it with no response despite me calling back multiple times within the 7 - 10 day business period and the reported interested got charged to XXXX, XXXX, and XXXX  inaccurately due to them refusing to resolve all of their ongoing investigations in a timely manner. Call me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date of Birth : XX/XX/year> FTC Identity Theft Report Number : XXXX Account in Dispute : XXXX {$2600.00} Complaint Summary : I never opened this account or authorized its reporting. This is identity theft. Midland has no original contract or proof of debt. They are illegally accessing and reporting my personal data.

Relief Requested : Delete and block this account, cease and desist, and provide all original documents, forward flow agreement, chain of assignment, and full investigation. 



Account in Dispute : XXXX {$2600.00} Complaint Summary : This is a fraudulent account listed without my permission. I never entered into any agreement with Midland Credit Management. No business relationship exists.

Relief Requested : Permanently delete this account, provide original signed contract, and complete investigation details. 



Account in Dispute : XXXX {$580.00} Complaint Summary : Unauthorized reporting by Midland for an account I never opened, signed for, or authorized. My FTC Identity Theft Report has been submitted.

Relief Requested : Delete and block immediately, produce all investigation records and original agreement. 



Account in Dispute : XXXX {$2800.00} Complaint Summary : This is identity theft. I never had any dealings with Midland. They have no legal right to collect or report this account. No consent was given.

Relief Requested : Demand deletion, cease all collections, and full disclosure of original contract, assignment records, and investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
I am disputing a hard inquiry from XXXX XXXX that appears on my Equifax credit report dated XX/XX/year>. I contacted XXXX directly, provided my full name, SSN, and reference number, and they confirmed that no application exists under my information. 

I did not authorize a hard inquiry. 

I contacted Equifax to have this unverifiable inquiry removed. They refused and insisted that I submit an FTC identity theft report, even though I am not claiming fraud or identity theft. I am disputing the inquiry under FCRA 1681i, based on lack of authorization and lack of permissible purpose. 

Despite the furnisher ( XXXX XXXX ) confirming that no application can be found, Equifax continues to mark my disputes as verified. I am questioning how this inquiry could possibly be verified when the furnisher can not locate any record of my application or consent. This suggests that Equifax is failing to conduct a proper reinvestigation, as required by the FCRA. 

I am requesting that the CFPB enforce my rights under the FCRA, require Equifax to conduct a lawful reinvestigation, and remove this unauthorized hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is currently attempting to collect a rental-related debt under the name Metro Collection Service despite Metro 's prior registration under a dissolved entity ( XXXX XXXX XXXX XXXX XXXX XXXX and its trade name now being registered under XXXX XXXX XXXX XXXX 

The company is reporting a balance of {$1200.00} to credit bureaus, even though the original balance was only {$930.00}. They added post-default interest and fees without a court judgment or contractual authority. When I questioned this, they cited XXXX. XXXX, which only allows interest after a judgmentnot before. Their justification misrepresents the law. 

I requested full validation, including a copy of the lease and breakdown of charges, but was only sent general citations and still no lease or interest breakdown. The company refuses to delete the tradeline unless I pay the full inflated balance. This violates the FDCPA and misrepresents the amount legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate Account XXXX XXXX  I am writing to dispute the inaccurate and conflicting information being reported on my credit file regarding the account listed below : Creditor Name : XXXX XXXX  Account Number last four : [ XXXX ] Reported Delinquency : 60 Days Late ( XX/XX/XXXX ), then 120 Days Late ( XX/XX/XXXX ) Inconsistencies & Violations : 1. Chronological Impossibility : Reporting the account as 60 days past due in XX/XX/XXXX followed by 120 days past due in XX/XX/XXXX is factually and mathematically impossible under any standard payment schedule. A 120-day delinquency can not chronologically follow a 60-day delinquency that occurred nearly a year earlier. Also statement shows worst history 60 days past due not 90 or 120+. 
2. Violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This reporting fails that test.

3. Violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : As a consumer, I am disputing the accuracy and completeness of this account. You are now legally obligated to conduct a reasonable reinvestigation and delete the account if it can not be verified accurately.

4. Violation of FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I am demanding disclosure of all documentation used to furnish this derogatory information, including payment history, delinquency logs, and original reporting from the furnisher.

Demand for Immediate Action This entry is factually and legally deficient. The conflicting dates and severe delinquency claims are : Inaccurate Misleading Unverifiable Damaging to my credit profile If you are unable to verify the accuracy of the reported data with documented evidence, as required by law, you must delete this XXXX XXXX  account from my credit file entirely. 

Failure to act within 30 days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue remedies under 15 U.S.C. 1681n for willful noncompliance and damages under 1681o for negligent failure to maintain accurate records.

I expect a written response detailing the results of your reinvestigation, as required by law. If you can not verify this account with original documentation from XXXX XXXX, it must be deleted in full. 

Sincerely, 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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OR

Complaint narrative:
Someone logged into my chime account and used $ XXXX in funds and I disputed 2 transactions as fraud and they denied my claim in less than 5 days and said no error occurred. 
Ummm my money was stolen. That's a problem and they refused to reopen the claim. I don't use XXXX XXXX  and they didn't not investigate as they said they did and I would like my money back and they also refused to provide supporting documents from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a certified mail dispute letter to Experian regarding inaccurate late payment information on my credit report for a XXXX XXXX account. The dispute was properly formatted according to FCRA requirements and included copies of my driver 's license and utility bill for identification verification, as required by law. 
The dispute specifically challenged unverified 30-day and 60-day late payment entries that contained inconsistencies across credit bureaus and lacked proper documentation. Under FCRA Section 611, Experian was legally required to conduct a reasonable investigation within 30 days and either verify the information with documentation or delete it from my credit file.

Instead of complying with federal law, Experian sent me a form rejection letter on XXXX XXXX  claiming my dispute " does not appear to have been sent directly by you or to be authorized by you '' and stating they " have not taken any action on your alleged request. '' This response violates FCRA Section 611 ( a ) ( 1 ), which mandates that credit bureaus " shall reinvestigate free of charge '' when a consumer disputes information directly. Experian has no legal authority under the FCRA to refuse processing a properly submitted dispute based on unsubstantiated authorization concerns, especially when proper identification was provided. 
Experian 's rejection letter appears to be a systematic " stall tactic '' designed to discourage consumers from exercising their federal rights and force them into less favorable online dispute systems. This constitutes willful non-compliance with the Fair Credit Reporting Act. 
The company 's illegal refusal to process my dispute has allowed inaccurate information to remain on my credit report, continuing to damage my credit scores and financial opportunities. I provided all required documentation and followed proper FCRA procedures, yet Experian refuses to fulfill their mandatory legal obligations. 
I am requesting that the CFPB force Experian to immediately process my original dispute, conduct the required investigation, and delete any information they can not properly verify with documentation. Experian 's systematic violation of federal consumer protection law requires immediate regulatory intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a certified mail dispute letter to Experian regarding inaccurate late payment information on my credit report for a XXXX XXXX account. The dispute was properly formatted according to FCRA requirements and included copies of my driver 's license and utility bill for identification verification, as required by law. 
The dispute specifically challenged unverified 30-day and 60-day late payment entries that contained inconsistencies across credit bureaus and lacked proper documentation. Under FCRA Section 611, Experian was legally required to conduct a reasonable investigation within 30 days and either verify the information with documentation or delete it from my credit file.

Instead of complying with federal law, Experian sent me a form rejection letter on XXXX XXXX  claiming my dispute " does not appear to have been sent directly by you or to be authorized by you '' and stating they " have not taken any action on your alleged request. '' This response violates FCRA Section 611 ( a ) ( 1 ), which mandates that credit bureaus " shall reinvestigate free of charge '' when a consumer disputes information directly. Experian has no legal authority under the FCRA to refuse processing a properly submitted dispute based on unsubstantiated authorization concerns, especially when proper identification was provided. 
Experian 's rejection letter appears to be a systematic " stall tactic '' designed to discourage consumers from exercising their federal rights and force them into less favorable online dispute systems. This constitutes willful non-compliance with the Fair Credit Reporting Act. 
The company 's illegal refusal to process my dispute has allowed inaccurate information to remain on my credit report, continuing to damage my credit scores and financial opportunities. I provided all required documentation and followed proper FCRA procedures, yet Experian refuses to fulfill their mandatory legal obligations. 
I am requesting that the CFPB force Experian to immediately process my original dispute, conduct the required investigation, and delete any information they can not properly verify with documentation. Experian 's systematic violation of federal consumer protection law requires immediate regulatory intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
XXXX wrote this off as a tax loss and still sold the debt and they're trying to collect on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding a collection account related to a former apartment lease that is currently being reported on my TransUnion credit report by XXXX XXXX XXXX XXXX Despite previously disputing the account with TransUnion, it was returned as verified without providing proper documentation or evidence to substantiate the claim. 

Account Details : Creditor / Collection Agency : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Original Balance : {$2300.00} Current Balance : {$2300.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Reported : XX/XX/XXXX I am disputing this collection for the following reasons : 1. Lack of Proper Validation : I have not received any documentation such as a copy of the lease, final move-out statement, or breakdown of the charges being claimed. I requested this information, and the collector failed to provide it, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ).

2. Inaccurate or Inflated Charges : I have reason to believe that the amount reported includes questionable or inflated fees ( e.g., damage charges, cleaning, or administrative fees ) that were not valid or never communicated to me at the time of move-out.

3. Improper Notification & Collection Practices : I was never properly informed of this alleged debt prior to it being placed into collections. This prevented me from resolving the issue directly with the property management or exercising my right to dispute it within the appropriate time frame.

4. Failure to Properly Reinvestigate ( FCRA Violation ) : The credit bureau ( s ) marked this account as meets FCRA requirements, but failed to explain or show what documentation was used to verify the debt. Without access to original documentation, this account should be deemed unverifiable and removed, in accordance with FCRA Section 611. 

I am requesting the CFPBs assistance to : Require XXXXXXXX XXXX XXXX XXXX and TransUnion to provide full validation of this debt, including a lease, itemized charges, move-out inspection reports, and legal assignment of the debt. 

Ensure that unverifiable or incomplete information is removed from my credit report.

Investigate whether the debt collectors reporting and handling of this account are compliant with FCRA and FDCPA. 


Thank you for your time and assistance. I look forward to your help in ensuring this issue is properly addressed and resolved. 

Sincerely, 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