vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX to Equifax XXXX XXXX XXXX on my Installment sales contract, account XXXX for the date XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was offered an Ally credit card with 0 % APR for 12 months on balance transfers. While trying to do a balance transfer online today ( XX/XX/year> ) I was locked out of my account. 

I called customer service and was assured they could process my balance transfer by phone and then unlock my account. They took all my verification info. for the transfer and said it went through, but they did NOT unlock my account. They said there was nothing else they could do, and it would be at least 14 days until I could access my account info. again. 

I called two more times to speak to customer service reps, who both told me they couldn't do anything because my card was now under investigation. They are already charging me for the amount of the transfer, but I'm unable to see when or if it goes through, and I can't monitor the card for suspicious activity or charges. 

I have given this company my credit info, ss #, and other personal information for " verification '' then was told they can't help. 

This entire situation feels very crooked and shady, and I'm afraid of my personal info being used online. I'd very much like to either undo this transfer or be IMMEDIATELY able to access my account information so I can verify that no fraudulent activity is taking place using my name and personal info.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to dispute a hard inquiry that appears on my credit report, which I have no knowledge of and did not authorize. I take my credit profile seriously and maintain careful oversight of my financial activity. After verifying all my credit applications, I can state confidently that I did not initiate any action that would warrant this inquiry. The Fair Credit Reporting Act requires that credit reporting agencies ensure the accuracy and integrity of the data they report. Including an inquiry without proper consumer authorization constitutes a violation of my rights under FCRA Section 604. This inquiry is both damaging and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) regarding a debt they claim I owe from a XXXX XXXXXXXX XXXX account. I received a letter dated XX/XX/year>, threatening legal action if I do not make payment by XX/XX/year>. 

I dispute the validity of this alleged debt and have never received any verification or proper documentation proving that I legally owe this amount. I have submitted a formal written dispute and cease and desist letter to MCM, demanding validation of the debt, including : A copy of the original signed contract An itemized account history Proof of legal assignment of the debt Proof of their right to collect in my state ( New Jersey ) Despite this, MCM continues to pressure me with legal threats, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). If they can not provide verification, they must immediately stop all collection efforts and remove this from any reporting systems.

I am requesting that the CFPB intervene to ensure that this account is deleted from MCM 's system, that no further action is taken against me, and that my consumer rights are upheld. This has caused unnecessary stress and appears to be an attempt to collect on an unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-24 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: TX

Complaint narrative:
I was checking my credit reports for accuracy and noticed THAT there are still fraudulent accounts and addresses on my credit report, which made me a victim of identity theft.

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 2025-06-24 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: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-24 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: MS

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccuracies /unauthorized accounts reporting to my credit report. These remarks have been extremely detrimental to my credit health.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I put in a previous cfpb complaint against Capital One. They responded with a letter. From the letter they have refused any type of settlement in this issue. So I have filed and served them with a lawsuit on XX/XX/year>. 
In that complaint I also offered a settlement they refused they did not respect the timeline I gave them and ignore me I received no contact no call no email. This new complaint will now serve as regulatory and Federal record as I've tried to quietly resolve this. As of this complaint again have not heard anything they had a deadline of XXXX p.m. today they totally ignored it. I will be serving discovery on XX/XX/year> along with my XXXX demands and a new settlement terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I noticed a fraudulent charges in my checking account AND credit card right after getting a fraudulent call from someone posing as my bank ( date of incident : XX/XX/2025 ). I immediately reported it to my bank and file a dispute transaction claim for all of the charges. They ended up ruling that the credit card charges were fraudulent. But today ( XX/XX/2025 ) I got a letter saying they investigated the charge to my checking account and ruled that it was authorized by me and no error occurred. Subsequently they pulled the disputed amount back out of my checking account. Today I called the bank and talked to the fraud department. They said there is nothing else that can be done because the investigation is closed. I DID NOT AUTHORIZE THE CHARGE. This was clearly fraud considering it happened at the exact same time someone charged my credit card ( throught the same bank ) and I have never dealt with the merchant that the payment went to ever in my life. I'm really frustrated that Ally Bank will not do anything else to help me get my hard earned money back.

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 2025-06-24 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: NE

Complaint narrative:
I have a new collection reporting to my credit report that I don't recognize, I've already made a police report about losing my wallet some years ago, and there's been some accounts I've disputed in the past with the credit bureaus and have been deleted. 

This new account has just shown up the day before. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/year> {$430.00} Balance Updated XX/XX/year> 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1681 c-2 l am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & PDF I want them deleted immediately!!

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 2025-06-24 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:
XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Notice of Fraudulent Account Immediate Removal Request Dear Consumer Financial Protection Bureau, I am writing to inform you that a fraudulent account has been opened in my name without my knowledge or authorization. The account in question is listed under the name XXXX XXXX XXXX on my credit report and is causing damage to my credit profile. 

Account Details : Account Holder Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/XXXX Status : Open {$100.00} past due as of XX/XX/XXXX Balance : {$310.00} I did not apply for or open this account and have never had a relationship with XXXX XXXX XXXX. This account was opened fraudulently using my identity. 

Under the Fair Credit Reporting Act ( FCRA ) and Identity Theft laws, I am formally requesting that this matter be reviewed, and that enforcement action be considered if the creditor fails to investigate, close, and remove the account. I am submitting an FTC Identity Theft Report and supporting documentation to confirm that this account is unauthorized. 

Please consider this an official complaint and request for support in ensuring the account is permanently removed and that no further attempts are made to collect on this debt. 

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