vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: ECMC GROUP, INC.
State: TX

Complaint narrative:
After I requested verification from ECMC, they sent me a typed copy of a supposed {$1000.00} promissory note that did not include my wet-ink signature. The document appears to have been altered or created electronically, and it does not prove that I ever received or agreed to any loan. There is no valid chain of title showing ECMC has any legal right to collect or report this account.

My original student loan servicer was not ECMC, and ECMC has no permissible purpose under the FCRA to access or share my private student loan information. Despite multiple disputes since 2022, ECMC continues to report this false account, violating my privacy and credit rights. I never authorized ECMC to disclose or publish my private student loan data, and I am requesting immediate removal of this account and a full investigation into their reporting practices.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debt is not mine. I know nothing about it. I noticed my credit score dropped significantly on XXXX XXXX

In accordance with The Fair credit reporting the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Jefferson Capital Systems LLC. I don't know the account number. I'm not familiar with this debt at all.

I looked at credit karma and noticed this was not accurate and according to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Dear Compliance Department, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding unauthorized inquiries that appear on my consumer credit file. I am invoking my rights under 15 U.S.C. 1681i ( a ), 1681b ( f ), and 1681s-2, as well as your obligations under Metro 2 reporting standards and the Consumer Data Industry Association ( CDIA ) guidelines to ensure all data furnished to you is accurate, verifiable, and permissible under federal law.

Upon review of my credit report, I have identified unauthorized hard inquiries I have no existing account, prior authorization, or permissible purpose under 15 U.S.C. 1681b ( a ) that would allow these entities to obtain or access my consumer credit file. Therefore, these inquiries constitute impermissible access and a violation of my FCRA rights.

In accordance with FCRA 604 ( a ) ( 2 ) and 604 ( f ), a party must have a permissible purpose before obtaining a consumer report. Since no such authorization exists, these inquiries must be immediately deleted from my report.

Additionally, I am requesting that you : 1. Delete all unauthorized inquiries listed above from my credit report immediately.

2. Provide the method of verification and the permissible purpose documentation provided by each entity that initiated these inquiries.

3. Notify each furnisher that the inquiries are being disputed under FCRA 623 ( a ) ( 8 ) and ensure they respond within the required timeframe.

4. Provide an updated copy of my credit file reflecting these deletions.

Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. If you are unable to verify the lawful purpose of each inquiry with documented proof of my consent, you must delete the inquiries immediately and send written confirmation of your compliance.

Failure to comply with these requirements may constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, exposing your agency and the furnisher ( s ) to civil liability and damages. 

I expect full compliance and a response within the statutory period. Please send all correspondence to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding XXXX  handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform despite using XXXX  numerous times and reporting discrepancies my financial institution and XXXX  failed to investigate my claims adequately they informed me that reversing my lost funds was impossible and that tracking these transactions was unfeasible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before taking any further action.

Please provide the following : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. A detailed account of the debt, including the original creditors name, account number, and a full breakdown of the balance.

3. Proof that you are legally authorized to collect this debt in my state.

4. A copy of any judgment ( if applicable ) that gives you the right to collect.

5. The date of the last payment made on this account.

Until I receive proper validation, I request that all collection activities, including reporting to credit bureaus, be halted as required by law. If you fail to provide sufficient verification, I expect this debt to be removed from my credit report. 
Please respond in writing within 30 days of receiving this letter. If you are unable to verify the debt, I request that you cease all collection efforts and update any reporting to the credit bureaus accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-05 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-05 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: FL

Complaint narrative:
XXXX  XXXX account was deleted in reinserted back on to my consumer reports. According to 15usc1681i ( 5 ) ( B ) ( ii ) if deleted information is reinserted then the consumer reporting agency has to give me a 5 day notice, which I never received so that is a violation. In that case the account has to be removed from my report immediately. Also I was never late on this account, I was set up on a payment plan, and advised the payment plan would prevent from getting a late payment and I was never 30 days past due before the payment plan was even set up. Therefore the late payment needs to be removed immediately as it is inaccurate reporting. Please see attachment for proof of identity with my drivers license and utility bill, and proof of payment plan and account being deleted and reinserted without 5 day notice from all 3 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 non-monetary relief
Consumer complaint received 2025-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Everytime im denied credit of any kind for anything whatsoever anywhere anyday anytime in any Country for anything its a deprivation of my rights as i am entitled to funding, finacing, loans and or Consumer credit and buisness credit and despite my unusually high and frequent very true and accurate complaints nothing done whatsoever and Agencys continuosly injuring my person and reputation. Let me ask you if PUBLIC LAW 73-10/HJR 192 is not still in effect and most importantly 18 USC 8 and 12 USC 411 demand for lawful money. I do not want to participate in self extorting and use of Federal reserve notes any longer and so has any and all previous participation has and is completly under duress and not willingly. See XXXX XXXX XXXX XXXX. Why am i not able to ger approved for anything ever? All amounts due or to become due shall be made payable through or bye CPFB as assigned payer and all rights reserved. Any deletion is admission i expect CPFB to retro remedy all such incidents. Also How is CPFB disregarding 18 USC 8? Also this goes for everyone and is to be applied across the board no late payments are allowed on anybodys account ever and always due to that being a transactions and transactions are not allowed to be reported to be applied to everyones reports effective immidiatly same goes for 18 USC 8. Apply to everyones account Today notice to agent is notice to princepal you will be held accountable and will not have luxury of saying you didnt know or not be liable becuase im tellng you again to remove every late payment on everyones report asap just as its unlawful on my report so this notice is for and on behalf of we the people and credit scores shall be fair and equitable so be Advised this is Notice that all payments are to be removed for all accounts as in violation of FCRA and apply {$1000.00} remedy per deletion per incident per person i will publicly post this to advise of notice given on behalf of we the people and no everyone in the world does not need to individually call or file individual report becuase i am doing so on behalf of myself and we the people as it most definitly is in their best interests and you can not say you were not notified or was not aware. Also add XXXX XXXX  into complaint

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 2025-10-05 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: TN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Need to file a complaint against capital one data breach account was hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Remove wrong address. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I recieved debt collection attempt from portfolio recovery. They never responded and then they tried to contact me again without providing dispute information. On XX/XX/XXXX, I recieved a collection phone call attempt wherein company left a voicemail. I emailed them using the email address asking for debt validation on XX/XX/XXXX. I recieved an auto response email stating I would receive a response in 3 days. I never received a response so I emailed them again on XX/XX/XXXX indicating that I dispute the debt again requesting debt validation. They emailed me on XX/XX/XXXX requesting payment again but provided no debt validation. I advised I dispute and would be filing a complaint as they didn't respond to my emails from XX/XX/XXXX or XX/XX/XXXX. They responded that they handle their own disputes and I still owed. But they still haven't provided debt validation or debt purchase agreement as I have requested. This remains on my credit report and I would like it removed from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian allowed the XXXX XXXX XXXX XXXXXXXX to furnish a fraudulent child support collection account using a falsified SSN variantan identity theft event acknowledged by all 3 CRAs. XXXX  and XXXX  deleted the entry before I even disputed it. Experian, however, not only refused to delete it but verified it after contacting the same state agency responsible for the fraud. Thats not an investigationits complicity. The fact that Experian alone received the falsified SSN data and continues to report this account despite documented fraud indicates potential FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ) violations. I request immediate deletion, reinvestigation, and federal review.

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 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
I took out a GreenSky loan for a swim spa on XX/XX/XXXX for {$26000.00}. The contractor and salespeople have completely ghosted me and never delivered the spa. I called GreenSky today to cancel the loan. They refused and said they would investigate. I demand the loan be canceled immediately and no money sent to the contractor. This loan is invalid because the product was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before taking any further action.

Please provide the following : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. A detailed account of the debt, including the original creditors name, account number, and a full breakdown of the balance.

3. Proof that you are legally authorized to collect this debt in my state.

4. A copy of any judgment ( if applicable ) that gives you the right to collect.

5. The date of the last payment made on this account.

Until I receive proper validation, I request that all collection activities, including reporting to credit bureaus, be halted as required by law. If you fail to provide sufficient verification, I expect this debt to be removed from my credit report. 
Please respond in writing within 30 days of receiving this letter. If you are unable to verify the debt, I request that you cease all collection efforts and update any reporting to the credit bureaus accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Re : Request for Method of Verification & Dispute Results To Whom It May Concern : I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), to formally request the Method of Verification you used in reporting and maintaining the following account on my Experian credit file : XXXX XXXX XXXX XXXX Issue XXXX Inconsistent Removal Dates : Experian lists the removal date for this account as XX/XX/XXXX, while XXXX  lists the same accounts removal date as XX/XX/XXXX. I have enclosed a copy of my TransUnion credit report showing the conflicting date. 

Please provide : XXXX. The name, address, and telephone number of each party you contacted in verifying this information ; and XXXX. A detailed description of the procedure used to determine the date of removal you are reporting. 

Issue XXXX No Dispute Results Provided by Mail : I previously submitted a dispute regarding this account. Under 15 U.S.C. 1681i ( a ) ( 6 ), Experian is required to provide the results of its reinvestigation in writing within 5 business days of completion. To date, I have not received any results in the mail. This failure to comply with federal law places Experian in violation of the FCRA. 

Accordingly, I demand that you provide : The reinvestigation results I am entitled to under the FCRA ; and The complete Method of Verification used to verify the account in question. 

If you can not provide proper verification, please delete the inaccurate information from my credit file immediately. 

Sincerely, XXXX 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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Suttell & Hammer a debt collector for XXXX XXXX XXXXXXXX XXXX. sued me in XXXX XXXX, Washington XXXX. I have asked them to provide their right to collect i.e. a contract between them and XXXX  XXXX XXXX and they have failed to do that. The reason for my reporting them is not just the failure to validate the debt, but more on the fact that when they sent me a letter of XXXX on XX/XX/year> to tell me that the current and original creditor is XXXX  XXXX XXXX and then sent me statements which they had previously sent me, they also sent me another consumer 's legal letter in regards to a debt validation. That consumer is XXXX XXXX XXXX PA. It is addressed to XXXX XXXX XXXX XXXX for consumer XXXX XXXX in XXXX, Washington. This is a violation of 15 U.S.C. 1692c ( b ), which protects consumer privacy. It has me questioning their practices in the Fair Debt Collection Practices Act ( FDCPA ).

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