vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collectors Corp.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Professional Collectors Professional Collectors Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your [ letter/phone call ] received regarding an alleged debt you claim I owe. I am requesting validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1The name and address of the original creditor.

2The original amount of the debt, and any interest, fees, or other charges that have been added.

3A copy of any judgment ( if applicable ).

4Verification that you are legally entitled to collect this debt in my state.

5A copy of the original contract or agreement bearing my signature.

Be advised that until this debt is validated, you are required to cease all collection activity, including reporting this information to any credit bureaus.

If you are unable to provide the requested documentation within 30 days, please remove any reference to this debt from your records and cease all further contact. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2025, I opened a Chime Spending Account using my valid foreign passport and U.S. visa, as allowed by Chimes signup process. 

XXXXXXXX XXXX XXXX and XX/XX/2025, I deposited approximately {$6700.00} into the account. 

XXXX XXXX XXXX  Chime froze the account without prior notice. When I contacted support the same day, the agent said the only way to restore access was to upload a U.S.issued photo IDsomething Chime never required at onboarding and that I do not possess as a lawful visa holder. 

I requested ( 1 ) a written explanation of the freeze, ( 2 ) the legal or policy basis for suddenly demanding a U.S. ID, and ( 3 ) a timeline for releasing my funds. Chime has not provided those details ; support simply repeats that my money will remain inaccessible until I supply a U.S. ID. 

The freeze is preventing me from paying rent and other essential expenses, causing financial harm. I am seeking CFPB assistance to have my funds released or to obtain a clear, written justification for their continued hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint against Midland Credit Management for reporting inaccurate and unverifiable information on my credit report. This account is negatively impacting my credit profile, and I have formally disputed it with the credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to request a reinvestigation of any information I believe to be inaccurate. The credit bureaus are required by law to verify the accuracy of the information within 30 days or remove it. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that any information that can not be verified must be deleted. Under 15 U.S.C. 1681e ( b ), the credit bureaus and data furnishers must ensure the maximum possible accuracy of any information reported. Under 15 U.S.C. 1681b, no entity has the right to access or report information on my credit without a permissible purpose, and continued reporting of unverifiable accounts is a violation.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), Midland Credit Management is required to provide proper validation of the debt, including the original signed contract bearing my signature, upon request. To date, I have not received any valid proof of the debt or a copy of the original signed contract. 

Midland Credit Management is reporting an account in the amount of * * {$680.00} * * under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting the immediate deletion of this account from all credit bureausXXXX XXXX XXXX XXXXXXXX a written confirmation of this action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am disputing a false repossession being reported by Bridgecrest Credit Company. I paid off the vehicle in full on XX/XX/XXXX, and have documentation proving the full balance was satisfied. However, Bridgecrest repossessed the vehicle over two years later, on XX/XX/XXXX, without prior notice, contact, or valid reason. 

They have since reported this repossession to all three credit bureaus, severely damaging my credit profile and preventing me from obtaining a replacement vehicle. I was out of state at the time of repossession and never received any calls, letters, or cure notices. 

This action violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Business & Commerce Code 9.611. I am requesting an investigation and full removal of this inaccurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
To : WAYPOINT RESOURCE GROUp XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 Subject : Request for Validation and Investigation of Alleged Debt To Whom It May Concern, This letter serves as a formal request under the Fair Credit Reporting Act ( FCRA ) for the investigation and validation of a debt currently reported on my XXXX credit report. 

Please provide : Verification of the debt from the data furnisher ; Documentation from the original creditor showing I am legally obligated to pay ; A complete accounting of the debt and its origin ; Proof of authorization to report this account under my name. 

If you can not provide sufficient evidence of the debts accuracy, I respectfully request its immediate removal. Please confirm your findings in writing within the 30-day investigation period. 

Sincerely, 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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
An auto renewal was approaching for web hosting through XXXX. XXXX does not provide a customer service number or email address. Everything must be done on their web site which is extremely difficult to navigate. I attempted to cancel the service on the web site but never received confirmation. I received an email from XXXX notifying of the upcoming renewal. I responded to the XXXX email saying I did not want to renew, and they were not authorized to make this charge of {$430.00}. No reply. On XX/XX/XXXX I was notified that XXXX attempted to charge my Capital One card but Capital One declined the charge. This was because the XXXX account was attached to a Capital One card which had expired back in XXXX of XXXX. A new card with different account number was sent to me. A Capital One rep assured me no further charges could be made to the expired card. Why else would Capital One decline the original card. I spoke with XXXX separate Capital One reps that same day outlining this situation and stressed not to accept the charge if XXXX attempted again. Capital One disregarded my request and allowed the XXXX charge to go through. I received an email from XXXX as well saying the original charge was declined, I responded again I did not wish to renew. No reply from them again. Both parties, XXXX and Capital One did not act in good faith, possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
I received a letter from you. The reference number in the letter is XXXX. The hospital did not bill the insurance company. They sent the bill directly to me. I have reached out to hospital to submit a claim to my insurance company first. Please do not do anything that will impact my credit score. I am working on figuring this out with the Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
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 2025-06-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-03 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic resp
onses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXXXXXX

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 2025-06-03 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: GA

Complaint narrative:
TransUnion is reporting collection or charge-off accounts from XXXX XXXX XXXX account number XXXX in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a XXXX balance, and XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$400.00}. I dispute the accuracy and completeness of these entries. The XXXX XXXX XXXX accounts XXXX  balance combined with its collection status raises concerns about whether this information is current, accurate, and properly verified. The XXXX account balance and reporting also appear questionable, as I have not received proper notification or validation of this debt. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure that all information reported is accurate, complete, and verifiable. 

Despite my dispute, it seems no adequate or thorough investigation has been conducted to confirm the legitimacy and accuracy of these collections or charge-offs. Considering the widespread issues of data breaches, systemic errors, and inaccuracies in credit reporting, it is plausible that these entries result from erroneous or compromised data. The presence of such inaccuracies unfairly damages my credit profile, limiting my financial opportunities. I urge TransUnion to perform a comprehensive reinvestigation as required by 15 U.S.C. 1681i, and if verification can not be provided, to promptly correct or remove these listings in accordance with 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 2025-06-03 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: GA

Complaint narrative:
Equifax is currently reporting multiple collection or charge-off accounts that I believe are inaccurate and require immediate reinvestigation. The first account is from XXXX XXXX XXXX, with the account number ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, and showing a XXXX balance. The second is from XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a significant reported balance of {$43000.00}. Lastly, Equifax is reporting a collection account, listed simply as " Collection '' with an account number ending in XXXXXXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$3200.00}. 

I dispute the completeness, accuracy, and verification of these accounts. For example, the XXXX XXXX XXXX  account being marked as a collection or charge-off with a XXXX balance raises red flags regarding its validity and relevance on my credit file. This may be outdated or incorrectly categorized. The XXXX and other collection entries appear to lack full detail and supporting verification. I have not received proper validation for these debts, and the reporting does not reflect fair or transparent practices, especially considering Equifaxs documented history of reporting errors and security issues. Equifax, as you are aware, experienced a major data breach that compromised the personal and financial information of over XXXX XXXX consumers. Given this breach and Equifaxs ongoing challenges in maintaining accurate data, there is an even greater concern that these accounts may have been reported in error, linked to incorrect or compromised data, or inadequately verified.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, Equifax has a legal obligation to conduct a reasonable and timely reinvestigation upon dispute. I am deeply concerned that no such reinvestigation has taken place to properly validate the legitimacy of these negative entries, especially when their presence could be the result of internal reporting mistakes

Company response to consumer: Closed with non-monetary relief