vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

CAINE amp WEINER {>= $1,000,000} Collection Additionally, I have not provided your company with explicit written consent to share my Personally Identifiable Information ( PII ) with any third party. Under the Gramm-Leach-Bliley Act ( 15 U.S.C.

68016809 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), financial institutions and entities handling consumer information are required to obtain clear, affirmative consent before disclosing personal data to unauthorized third parties. 
If any prior consentwhether express or impliedwas assumed or previously granted regarding the sharing, processing, or dissemination of my PII, I hereby formally revoke such consent effective immediately. Pursuant to applicable privacy and consumer protection laws, you are required to honor this revocation and cease any further unauthorized use or disclosure of my information. 
If your offices continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of my information to a credit reporting repository that could be inaccurate or invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Violations of FCRA 1681e ( b ), 623 ( a ) ( 3 ), and Consumer Rights * * To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the XXXX XXXX XXXX XXXX account listed on my credit report. I am requesting an immediate investigation and deletion of this account under my rights granted by the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

ACCOUNT INFORMATION UNDER DISPUTE Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$1300.00} Credit Limit : {$1000.00} Status : Charged Off / Canceled by XXXX XXXX Account XXXX : Collection / Derogatory Dispute Status : Not Reported as Disputed VIOLATIONS & DISPUTE REASONS Inaccurate Balance Reporting ( FCRA 1681e ( b ) ) The reported balance exceeds the credit limit. No legally binding agreement or itemized breakdown justifies this inflated amount.

Account Re-Aging ( FCRA 605 ( c ) ) The last activity was in XXXX, yet its being reported as of XXXX. This is an illegal attempt to re-age the account and mislead future lenders. 
Contradictory Status Indicators The account can not be marked Charged Off, Canceled by Grantor, and Open Balance simultaneously. This is factually inconsistent and misleading.

Failure to Report Dispute ( FCRA 623 ( a ) ( 3 ) ) This account is not marked as disputed, despite ongoing disputes and legal challenges to its validity. This omission misrepresents the accuracy of the information on my report. 
WHAT I DEMAND Pursuant to federal law, I hereby request : Immediate removal of the XXXX XXXX XXXX XXXX account from my credit file. 
A full reinvestigation with written documentation supporting the tradeline, including : The original signed contract ( with wet signature ) Itemized breakdown of charges and fees Chain of assignment if the debt has been sold or transferred Flow of payment activity Name and credentials of the party who verified the data If this account is not removed within XXXX calendar days, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies for negligent and/or willful noncompliance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-03 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: FL

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need then blocked and deleted from my report ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-03 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received an email from XXXX XXXX that there was a hard inquiry on my credit report from Capitol One. I have not authorized anyone to do a credit check. I believe this is someone committing fraud and attempting to steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I need and want all paid and closed and hard inquiries be moved and I have asked for them to remove everything from my credit score with no help ive paid everything off and still showing i need all closed account to be removed help HELP HELP

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and am urgently requesting my personal information to be corrected. i have sent in all necessary documents confirming my identity and long standing address. please correct my personal address information on my file.

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 2025-08-04 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, I made a {$130.00} payment to a merchant who did not provide the goods/services promised. I disputed the transaction with my bank, Chime, immediately. 

Chime informed me that the transaction was in dispute/chargeback mode. However, it is now XX/XX/year> over XXXX weeks later and the dispute has not been resolved. I have not been issued a provisional credit, nor have I received a final decision. 

Under federal law and regulations ( Regulation E for electronic fund transfers ), my bank is required to investigate my dispute promptly and provide either a refund or a written explanation within the regulatory time frame. Chime has failed to do so.

I am requesting that the CFPB require Chime to : 1. Complete my dispute investigation immediately 2. Provide a provisional credit as required by law XXXX. Give a written explanation for the extreme delay I have all supporting documentation, including proof of purchase, communication with the merchant, and communication with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: VA

Complaint narrative:
This is a formal follow-up to CFPB Complaint # XXXX, originally submitted on XX/XX/year>2025, against Experian. As of XX/XX/scrub> 2025, Experian has failed to complete a lawful reinvestigation or provide any supporting documentation regarding the accounts in dispute. This failure violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Legal Violations Committed by Experian : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to complete reinvestigation within the 30-day statutory window 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete information that can not be verified 15 U.S.C. 1681e ( b ) : Failure to use reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681b ( f ) : Reporting of unverifiable or disputed data constitutes impermissible use of consumer information 15 U.S.C. 1681n and 1681o : Experian may be held civilly liable for willful or negligent violations of the FCRA Failure to Provide Required Documentation : In my original filing, I formally invoked my rights under the FCRA and demanded that Experian provide the legally required documentation necessary to validate each of the disputed tradelines. I specifically requested : The original signed contract bearing my wet ink signature A flow agreement authorizing the data furnishing The bill of sale or assignment of debt Proof of chain of custody or account transfer The original creditors full contact information Experian has not provided any of these materials within the 30-day reinvestigation period. As a result, the disputed tradelines remain unverified and must now be permanently deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I need and want all paid and closed and hard inquiries be moved and I have asked for them to remove everything from my credit score with no help ive paid everything off and still showing i need all closed account to be removed help HELP HELP

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 2025-08-03 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: TN

Complaint narrative:
I need and want all paid and closed and hard inquiries be moved and I have asked for them to remove everything from my credit score with no help ive paid everything off and still showing i need all closed account to be removed help HELP HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: U.S. BANCORP
State: AZ

Complaint narrative:
I have severe XXXX XXXXXXXX and have been asking XXXXXXXX XXXX for accommodations for my XXXX for years. They say I should be able to handle any issues via chat or us mail. Everytime I use the chat feature they say they can't help me I need to contact them via phone and everytime I contact them via us mail I never get any response. I didn't choose to have XXXX XXXXXXXX and being able to handle simple issues via online chat doesn't seem like to much of a demand. I filed a complaint already but the company didn't resolve anything and still refuses to provide ADA Accommodations for my XXXX XXXX, chat is only available between XXXX - XXXX XXXX and they never help. I never receive any response from them when trying to contact via U.S Mail. They stated that there is nothing wrong with my account that it's just cause I have the card locked. I've tried unlocking the card and it says " Account requires extra attention '' I had my brother call to see what's going on and they said it looks like the account has been closed by the XXXX XXXX. Also according to XXXX XXXX the creditor is trying to fraudulently create a second credit card account in my name.

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