vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported on my credit file. I did not apply for, open, authorize, or consent to these accounts, and they do not belong to me under any circumstances. Their presence is the direct result of identity theft and represents inaccurate, damaging, and unlawful reporting. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B, consumer reporting agencies are required to block and remove information that a consumer identifies as the result of identity theft. Because these accounts are fraudulent, unverifiable, and unauthorized, I am demanding their immediate deletion from all three credit 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: TX

Complaint narrative:
I mailed a check for {$4900.00} from my Chime account on XX/XX/year>. She received the check and deposited it into her XXXX bank account on XX/XX/year> and the funds were placed into her account. On XX/XX/year> she received a letter from XXXX bank stating " We received a check ( XXXX ) previously deposited to your account that was returned as unpaid. Here 's the reason for the returned check ( XXXX )... 
Return reason..... Refer to XXXX... Please contact the person who gave you the check for more information. XXXX Date XX/XX/year> XXXX XXXX # xxxxxx Amount {$4900.00} We subtracted the check ( XXXX ) amount from your account and enclosed a copy of the returned check ( XXXX ). '' I notified Chime on XX/XX/year> about the returned check and was asked to upload a picture of the letter and returned check at XXXX via email. I did so at XXXX and received a confirmation email that they received the documents at XXXX. The confirmation email stated " Thanks for uploading your documents! We aim to respond to all inquiries within XXXX hours, but you may experience longer wait times outside business hours. We'll do a little digging and respond soon. '' On XX/XX/year> I email at XXXX to ask for any updates. No response from Chime at all. 
On XX/XX/year> I called Chime again only to be hung up on the first time ( XXXX ) and the second time ( XXXX ) it was the same thing, we will notify you via email about any updates within XXXX hours. 
On XX/XX/year> I called Chime again ( XXXX ) and was hung up on. Called Chime again ( XXXX ) only to be told that the check has been cashed and there is nothing that they can do. Now I have the proof from XXXX bank ( they also have the proof ) that it was returned as unpaid and Chime refuses to put the {$4900.00} back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

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 2025-09-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-09-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Dispute of Midland Credit Management Collection Unverified Reporting To Whom It May Concern, I am writing to formally dispute the Midland Credit Management collection account, reference number XXXX, as reported on my credit file.

Midland has failed to provide proof of ownership of the alleged debt or valid documentation from the original creditor. This is a violation of the Fair Credit Reporting Act ( FCRA ), 623 ( a ) ( 3 ).

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be removed from consumer credit files. Since this account remains unverified, I request its immediate deletion from my credit reports with Equifax, Experian, and TransUnion.

Please investigate this matter and provide written confirmation once the account has been deleted. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX PA XXXX & ] XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
I am disputing the Upstart SMB/CRB account # XXXX. 
This account reports a {$11000.00} balance charged-off, but no signed business loan agreement or validation has been provided. Reporting dates are inconsistent. This violates FCRA 607 ( b ) and 611 ( a ).

Unverifiable or inaccurately reported accounts must be corrected or deleted under FCRA 623 ( a ) ( 3 ). I request deletion if validation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I disputed multiple old & collection accounts on my credit report. Some were closed but not removed. I want to close & remove all old & collection accounts off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/XXXX- submit letter in writing to PNC Bank requesting to close HELOC and release property lien. 

PNC did not close the account and only froze the account from any additional drawdowns. I made second trip to the PNC Bank branch to correct this mistake and at least XXXX phone calls to PNC Customer Service. 

On or about XX/XX/XXXX, I submitted a second letter to PNC Bank requesting loan closure and release of property lien. 

Three more phone calls to PNC Customer Service, they assure me that loan would be closed, {$99.00} early closure fee would be waived due to their mistakes and delays and that I would get close letter within XXXX days. 

XXXX weeks later, XX/XX/XXXX, PNC informs me that I have to pay the {$99.00} fee and that it will take XXXX working days to produce the close letter. Bank refuses to acknowledge that they have repeatedly lied to me, that their service is incredibly poor and unresponsive. I asked PNC today to escalate this matter because just on principle, I am not paying the fee when they have taken more than XXXX weeks and I still don't have a close letter. 

PNC is the worst bank I have ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against [ Name of XXXX ] and the credit bureaus ( Experian, Equifax, TransUnion ) for unlawfully reporting a personal guarantee on my credit file from XXXX XXXX credit card Despite multiple written requests, the furnisher has failed to provide any documentation proving that I ever signed a personal guarantee for the account in question. 
Instead of assisting, they continue talking around the issue and re-reporting the same false information, which is damaging my credit profile. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to : Provide only accurate information ; and Correct or delete unverifiable information when disputed. 

Requested XXXX I respectfully ask the CFPB to : Investigate this matter and require the furnisher and credit bureaus to produce verifiable evidence of any alleged personal guarantee ; or XXXX the immediate removal of the disputed entry from all consumer reporting agencies if no such evidence exists. 

This is going on from last 2 years and need to finalize please help on this metter

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 2025-09-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against [ Name of XXXX ] and the credit bureaus ( Experian, Equifax, TransUnion ) for unlawfully reporting a personal guarantee on my credit file from XXXX XXXX credit card Despite multiple written requests, the furnisher has failed to provide any documentation proving that I ever signed a personal guarantee for the account in question. 
Instead of assisting, they continue talking around the issue and re-reporting the same false information, which is damaging my credit profile. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to : Provide only accurate information ; and Correct or delete unverifiable information when disputed. 

Requested XXXX I respectfully ask the CFPB to : Investigate this matter and require the furnisher and credit bureaus to produce verifiable evidence of any alleged personal guarantee ; or XXXX the immediate removal of the disputed entry from all consumer reporting agencies if no such evidence exists. 

This is going on from last 2 years and need to finalize please help on this metter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal makes it hard to close account. The " Close your account '' button under Settings takes you to a page that says " Just a second ... Are you sure you want to close your account? '' with 'Contact us ' link at the bottom, but that exact link takes you a general " Contact Customer Support '' page with no contact button form found. ( https : //www.paypal.com/us/cshelp/contact-us ) PayPal has intentionally designed this to be hard to find and make it harder to close your account, as they force you to chat with customer service rep ( via inbox message or phone call ) to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Recently, I submitted a formal complaint to Rocket Mortgage because they claimed my fiance did not have a credit score, when in fact she had a XXXX credit score for a mortgage. I then filed a complaint with the XXXX, and as of today, Rocket Mortgage responded stating that my fiance received a denial letter. This is falseshe never received such a letter. 

I believe they are attempting to cover up what actually transpired over the phone. I have sent both emails and text messages to them regarding this matter, and at no point were we ever informed that we were denied for anything. 

Therefore, I am requesting that the CFPB conduct an informal investigation into Rocket Mortgage and provide me with an itemized list of the findings, including what transpired during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Experian. My personal data was compromised in the major breaches of all three agencies, each of which is now subject to class-action litigation. Despite these breaches, which prove consumer data can not be trusted as accurate or safe, all three bureaus continue to report collections, charge-offs, and inquiries on my credit profile that are harmful, inaccurate, and unauthorized.

Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ), the bureaus must ensure maximum possible accuracy and must delete unverifiable information after reinvestigation. Under the Fair Debt Collection Practices Act ( FDCPA 807, 809 ), no false or unvalidated debt may be reported. In addition, industry reporting must conform to Metro 2 compliance standards, which prohibit the reporting of inaccurate, incomplete, or unverifiable data.

The continued presence of these derogatory items violates these laws and standards. I did not authorize Experian, XXXX, or XXXX  to re-publish false claims against me, especially in light of the breaches that compromised my private data. This has caused me ongoing financial harm, emotional distress, and reputational damage. 

I demand that all collections, charge-offs, and inquiries be permanently deleted from my credit reports immediately. Continued reporting of unverifiable negative items constitutes willful noncompliance with federal law. I am submitting this complaint to the CFPB to formally document these violations and to demand corrective action.

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