vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2020, Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-26 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 am writing to follow up on my previous correspondence dated XX/XX/XXXXXXXX XXXX regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-05-26 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am disputing a {$2600.00} collection account from XXXX XXXX XXXX for XXXX XXXX XXXX failed to validate the debt after I submitted a formal dispute. They have not provided any contract, signed agreement, or documents proving I owe this balance. Instead, they rely on a generic summary that proves nothing. 
Despite this, the account continues to be reported to the credit bureaus, and it has not been marked as disputed. This violates my rights and is materially damaging my credit. I am requesting the CFPB 's help in having this account permanently removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-26 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Subject : Dispute of Unauthorized Transaction and Request for Reimbursement To Whom It May Concern, I am writing to formally dispute an unauthorized transaction on my Chime account in the amount of {$770.00}, which was transferred to an individual I do not know and did not authorize. 

On XX/XX/year>, I noticed this charge and immediately contacted Chime customer service to report it as fraud. I explained that I did not recognize the recipient, did not authorize the transaction, and believe my account may have been compromised. 

Despite reporting this promptly, I was told by your representative that I would not be receiving a refund. This is extremely concerning and, I believe, a violation of my rights under the Electronic Fund Transfer Act ( Regulation E ), which protects consumers from liability in cases of unauthorized electronic transfers when reported in a timely manner. 

I am requesting a formal review of my case and a reversal of the charge. Please treat this letter as a written request for reimbursement and investigation. 

Transaction Details : Amount : {$770.00} Date : XX/XX/year> Chime Account Number ( Last XXXX Digits ) : XXXX Recipient : XXXX XXXX XXXX I have also reported this incident to the Consumer Financial Protection Bureau and will be pursuing the matter with appropriate regulatory authorities should this issue not be resolved. 

Please respond to this dispute in writing within XXXX business days. I would like confirmation that my claim is being re-investigated and that my funds will be returned. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: KY

Complaint narrative:
I am disputing a longstanding issue involving XXXX XXXX related to their handling of a line of credit. Over the course of many years, XXXX repeatedly misapplied my payments, placed funds in suspense accounts without clear explanation, and assessed late fees even when payments were timely or reversed without justification. 

For example, on * * XX/XX/XXXX * *, a \ {$1300.00} principal payment was made and later reversed without valid reasoning. Numerous payments, including those on * * XX/XX/XXXX * * and * * XX/XX/XXXX * *, were either mishandled or incorrectly placed into suspense accounts. These actions resulted in a consistent and inflated loan balance that did not reflect the actual payments made toward principal reduction. 

Additionally, between * * XXXX and XXXX * *, XXXX imposed hundreds of feessome as low as \ {$20.00} and others over \ $ XXXXwithout clearly disclosing the basis for the charges. In some cases, late fees were assessed after payments had already been applied or reversed without notice. 

I have attempted to resolve this directly with XXXX, but they continue to stand by their inaccurate accounting. They have also failed to correct the information being reported to credit bureaus despite receiving formal dispute notices. 

This appears to be a violation of federal consumer protection laws, including the * * Truth in Lending Act ( Reg Z ) * *, the * * Fair Credit Reporting Act * *, and CFPB rules against unfair, deceptive, or abusive acts or practices. I am requesting a full investigation and resolution, including correction of my account history and assurance that inaccurate or derogatory information is not being reported while the dispute is pending.

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 2025-05-26 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-26 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Block, Inc.
State: AL

Complaint narrative:
I have listed the inquiries below in an attachment that I didn't recognize. Also that I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am disputing a longstanding issue involving Chase Bank related to their handling of a line of credit. Over the course of many years, Chase repeatedly misapplied my payments, placed funds in suspense accounts without clear explanation, and assessed late fees even when payments were timely or reversed without justification. 

For example, on * * XX/XX/XXXX * *, a \ {$1300.00} principal payment was made and later reversed without valid reasoning. Numerous payments, including those on * * XX/XX/XXXX * * and * * XX/XX/XXXX * *, were either mishandled or incorrectly placed into suspense accounts. These actions resulted in a consistent and inflated loan balance that did not reflect the actual payments made toward principal reduction. 

Additionally, between * * XXXX and XXXX * *, Chase imposed hundreds of feessome as low as \ {$20.00} and others over \ $ XXXXwithout clearly disclosing the basis for the charges. In some cases, late fees were assessed after payments had already been applied or reversed without notice. 

I have attempted to resolve this directly with Chase, but they continue to stand by their inaccurate accounting. They have also failed to correct the information being reported to credit bureaus despite receiving formal dispute notices. 

This appears to be a violation of federal consumer protection laws, including the * * Truth in Lending Act ( Reg Z ) * *, the * * Fair Credit Reporting Act * *, and CFPB rules against unfair, deceptive, or abusive acts or practices. I am requesting a full investigation and resolution, including correction of my account history and assurance that inaccurate or derogatory information is not being reported while the dispute is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX To whom it may concern, I am responding to your contact about collecting a debt. You identified the debt as being owed the amount of {$1700.00}. I do not have any responsibility for the debt youre trying to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), If you have any good reason to believe that I am responsible for this debt, mail me the documents that make you believe that with Proof of the debt and Proof of your authorization to collect the debt. 

Stop all communication with me and with this address, and record that I have disputed having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
Thank you in advance. 
Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am writing to formally request a full accounting and documentation for any and all accounts bearing my name that you claim to own, service, or collect on, pursuant to Uniform Commercial Code 9-210. As the alleged debtor or obligor, I am exercising my right under the UCC to obtain clarity regarding any alleged obligations. Please provide a complete and itemized accounting and documentation for each applicable account, including the following : 1. Full Accounting ( UCC 9-210 ) : An itemized statement reflecting all charges, payments, interest, fees, and credits applied to the account from inception to present ; The current balance breakdown, including principal, interest, fees, and any other amounts claimed ; The identity of the original creditor and the current owner of the alleged debt.

2. Tax Reporting ( 1099-C or Charge-Off ) : A copy of any IRS Form 1099-C ( Cancellation of Debt ) filed under my name or Social Security Number, if applicable ; Written confirmation if the account has been charged off, and the date and accounting treatment of such charge-off.

3. Assignments or Transfers : Documentation of any and all assignments, transfers, or purchases of the account, including : Bill ( s ) of Sale,
Assignment agreements, Notices of transfer, Dates of acquisition.

4. Securitization or Trust Transfers : Confirmation as to whether this account has been transferred to or included in any trust ; Identification of any trustee banks or agents involved ; Copies of any Pooling and Servicing Agreements ( PSAs ) or securitization documents related to the account ; Disclosure of any beneficial ownership if the account is being held or serviced on behalf of another party.

Company response to consumer: Closed with explanation