vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be 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 explanation
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be 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 explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. One credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$40.00} XXXX  XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Im reaching out about an account from XXXX XXXX XXXX that was already removed from my credit reports. I filed disputes and after review, the credit bureaus deleted the account. However, shortly after the deletion, XXXX XXXX XXXX sent me a letter trying to validate and collect on the same account.

The timing of the letter is very concerning. Not only was the account already resolved and removed, but the documentation they sent doesnt include any real proof I owe this debt no signed agreement, no proper validation, nothing that confirms its mine or that they even have the right to collect it.

Im now worried they might try to put it back on my credit reports, even though the issue was already handled. I want to make sure they are not allowed to reinsert this account without following the proper legal process.

Im asking for help to stop them from reporting or collecting on this account again. Attached you will find a copy of my ID, bill with current address, response letter from XXXX XXXX XXXX from my initial debt validation dispute, and a follow up letter to cease collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : HARRIS & HARRIS , LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXX Amount {$390.00} Re : Account # XXXX Amount {$170.00} Notice to Remove Collections from Credit Report To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced accounts that your company has reported to the credit reporting agencies. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of these alleged debts.

Be advised of the following : A copy of a bill or statement is not proper verification or validation of debt. Courts have consistently ruled that debt collectors must provide competent evidence of the debt, including the original signed contract and a complete account-level breakdown ( flow sheet ) showing the full chain of ownership and transactions.

I demand a copy of the security agreement/contract between your agency and the original creditor that grants you the legal right to collect on these accounts. Without proof of such an agreement, you have no legal standing to pursue or report these alleged debts.

If you are unable to provide proper validation, including but not limited to : A copy of the original signed agreement bearing my signature, A complete payment history and accounting of the alleged debts, Documentation proving you have legal standing and assignment of these debts, The security contract or service agreement between your agency and the original creditors, then you must immediately cease collection activity and request deletion of these accounts from all credit reporting agencies ( XXXX XXXX, and XXXX  ). 
Continued reporting of unverified or inaccurate information to any credit reporting bureau constitutes a direct violation of the FCRA 623 and the FDCPA. If these accounts are not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney Generals Office, in addition to pursuing civil remedies.

This letter serves as my formal demand that you either : Provide full, proper validation of these accounts as outlined above, or Immediately remove all reporting of these accounts from my credit files.

You are hereby notified that failure to comply within 30 days will result in further action to enforce my rights under federal law. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Somebody gained unauthorized access to my chime account and my grandmother 's sending chime to chime money transfers stealing thousands from our accounts. I filed 2 police reports. I had an officer investigate and prove that fraud was committed but yet chime refused to refund any of our money. They have decided my disputes 2 times already and have been dragging me along on dispute 3. They have yet to even give me any temporary credits. I have a detective involved now and I'm trying to pursue charges on the person/suspect involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: FL

Complaint narrative:
The business made a highly defamatory statement in the attached letter. By way of record, the attached letter dated XX/XX/year> under REF : XXXX was for a secured credit card. 

The business made the following statement in the letter : " We have reason to believe the account will be used for fraud ''. 

Upon receipt of this complaint, provide the specifics that led to this determination so that I can forward to legal counsel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX and the credit bureaus are inaccurately reporting my auto loan account as charged off. This is false and damaging to my credit history. 
I obtained an official account statement from XXXX XXXX, which clearly shows : All payments were applied correctly and on time No late fees or past due balances No mention of charge-off Despite this evidence, the credit bureaus continue to show my account as a charge-off. I have already filed disputes with XXXX, XXXX, and XXXX, but the inaccurate reporting has not been corrected. This demonstrates XXXX XXXX is providing inconsistent or false information to the 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 2025-08-21 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit Collection Service Re : Partial Account # XXXX To Whom It May Concern, I am formally contacting you regarding the above-referenced account. Under 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act, a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer or under specific permissible purposes allowed by law.

At this time, I am requesting that you provide written documentation showing your permissible purpose for obtaining or reporting information regarding this account. If you can not demonstrate a valid and lawful purpose under the statute above, I demand that you immediately remove any reporting related to this account from all consumer reporting agencies.

Failure to comply will leave me no choice but to escalate this matter. I will not hesitate to file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My states Attorney Generals Office XXXX XXXX XXXX XXXX ( XXXX  ) Additionally, I will consider seeking legal counsel to explore remedies under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

I expect your written response within 30 days of receipt of this letter. Please note that this is my good-faith attempt to resolve the matter directly with you before involving higher authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> After attempting to use my card several times and it being declined, I contacted Capital one 's customer service in an attempt to understand why. At this time Capital One instructed me that I needed to complete the necessary verification methods to access my account unfortunately the phone number that was linked to my account I no longer had access to and this made it impossible for me to satisfy their archaic identity verification methods. As a result of this Capital One customer service informed me that I would need to submit my state issued identification via email and they would verify the emails so that I would be able to update my phone number and regain access to my online account which would allow them to verify the recent transactions that was triggering the fraud alert and rendering my card XXXX. After asking the time frame for this process the customer service agent was unable to give me a clear answer and Ambiguously informed me that time frames vary. This was distressing as I had very XXXX XXXX obligations tied to this payment method that were very quickly coming due. After nearly five days of continuous inquiries and persistent follow up with Capital One customer service I was provided by a customer service agent with one alternative method to expedite this process which was to recover the original verification method which was the phone number linked to my Capital One account currently. As I did not have possession of this phone anymore. Still I decided to make an attempt at recovering the phone number, which was a very difficult task that caused complete disruption to my work and other scheduled obligations almost costing me my employment. Finally, Against All Odds I was able to regain access to the phone number at which time I quickly recontacted Capital One customer service and requested reverification via the original method of a secure code via text message. I would like to reiterate that I did this following the direction of the customer service agent I had spoken with the day prior. After contacting Capital One this time I was told that the information I had received was in error and that after the final verification method is initiated there is no way to downgrade to the alternative verification methods and that I would need to again wait for the ambiguous time frame while the documents Department reviewed the submitted identity documents and confirmed I was indeed the account holder. That is the timeline of events outlining this experience to date I will continue to inquire into updates regarding this matter daily with capital one 's customer service as I am currently 48 hours from the aforementioned financial obligation that if missed would cause my family to fall in the state of housing instability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report.

The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report.

The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called asked to close account, I was told to pay {$190.00} a month for 3 months to bring accounts current. I was not told that I still was to make and additional payment on due date. So I was charge interest and late payments. 2x in a week of at least {$150.00}.

The still have not closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within 15 days. I have included the necessary documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company is violating my rights and failed to validate my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and my rights are being violated. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: WI

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 XXXX. 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 XXXX. 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