vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt. Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 2. A full itemization of the alleged debt, including principal, interest, fees, and all charges. 3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which supports the principle that the note and security instrument can not be separated. 
Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

ALDOUS & ASSOCIATES PL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX XXXX, with the original creditor being XXXX XXXX. This account was previously closed after the company could not verify the information, and now it has been reopened and reported again on my credit report. I have not authorized any new activity or communication regarding this account since it was closed. Reopening a previously unverified and closed account is inaccurate, misleading, and a violation of my consumer rights. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and the closure or deletion of this account from my credit file. Since this account was already deemed unverifiable and closed, there is no valid reason for it to appear as active or reopened. 
This false reporting is negatively impacting my credit, and I expect this issue to be corrected as soon as possible in full compliance with the FCRA. Please provide written confirmation once this account has been closed or deleted from my 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 2025-10-08 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: TN

Complaint narrative:
Dear Compliance Officer, I am formally disputing the accuracy of several accounts currently appearing on my credit reports. 
These items are incomplete, inaccurate, or misleading and violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and Metro-2 credit-reporting standards. 

Below I identify each account and the specific violations I am disputing. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Late 30 Days although the loan was Paid-in-Full / Closed XX/XX/XXXX ( {$0.00} balance ). 

Conflicting Closed / Last-Activity dates ( TU XX/XX/XXXX vs EX/EQ XX/XX/XXXX ). 

Two-year payment grid shows all OKno late entry supports this status. 

No Account in Dispute remark present though I contest accuracy. 

Violations : FCRA 607 ( b ) maximum accuracy requirement.

FCRA 623 ( a ) ( 1 ) ( A ), ( a ) ( 2 ) duty to report accurately and update all CRAs.

FCRA 623 ( a ) ( 3 ) failure to mark disputed account.

Metro-2 error mis-coded paid account as currently late. 

XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX {$4000.00} ) TU/EX list Open Current {$4000.00} ; EQ shows Paid/Closed {$4000.00} bal. 

30-day late codes conflict ( XX/XX/XXXX vs XX/XX/XXXX ). 

Past-due field not zeroed out on all bureaus. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) inconsistent status/ delinquencies across bureaus. 

FCRA 623 ( a ) ( 5 ) missing/ conflicting Date-of-First-Delinquency.

Metro-2 error past-due left XXXX while coded current. 

XXXX. XXXX / XXXX XXXX XXXX XXXX XXXX ( Closed / {$0.00} bal ) Shows dispute resolved consumer disagrees but remark missing on all bureaus. 

30-day late posted XX/XX/XXXX not uniform across CRAs. 

Violations : FCRA 623 ( a ) ( 3 ) dispute notation not consistently reported.

FCRA 623 ( a ) ( 1 ) ( A ) late-history inconsistent; possible re-aging. 

These errors have harmed my credit standing and caused financial and emotional distress. 
I reserve all rights to pursue statutory and actual damages under FCRA 616617 and FDCPA 813 for any willful or negligent non-compliance.

Thank you for your prompt attention.

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 2025-10-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I paid Lexington law for years to fix my credit with no follow up or changes to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft, data breach, and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed, with multiple applications made in my name. These companies pulled my credit report without my knowledge, consent, or authorization. I do not recognize these fraudulent inquiries, nor have I applied for any new credit with them. This situation is deeply troubling and a clear violation of my rights as a consumer. It is both frustrating and insulting to experience such misuse of my personal information as a law-abiding individual.

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 2025-10-08 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: TekCollect Inc.
State: TN

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am following up on a previous dispute submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning inaccurate reporting of two accounts on my credit file. The first involves an account with XXXX XXXX ending in XXXX, which is reporting as late despite discrepancies I previously documented. The second account, reported by XXXX XXXX ending in XXXX, is listed as a charge-off with a balance of {$14000.00}. I disputed this information because the charge-off appears to be tied to an open account and is not being reported accurately. Despite providing supporting evidence in my initial dispute, there has been no meaningful update or confirmation of a reasonable reinvestigation. The information continues to report inaccurately, and I have not received any documentation explaining how the data was verified or by whom, which constitutes a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries are showing on my credit report that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be verified, they should be corrected or deleted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TN

Complaint narrative:
Dear Compliance Officer, I am formally disputing the accuracy of several accounts currently appearing on my credit reports. 
These items are incomplete, inaccurate, or misleading and violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and Metro-2 credit-reporting standards. 

Below I identify each account and the specific violations I am disputing. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Late 30 Days although the loan was Paid-in-Full / Closed XX/XX/XXXX ( {$0.00} balance ). 

Conflicting Closed / Last-Activity dates ( TU XX/XX/XXXX vs EX/EQ XX/XX/XXXX ). 

Two-year payment grid shows all OKno late entry supports this status. 

No Account in Dispute remark present though I contest accuracy. 

Violations : FCRA 607 ( b ) maximum accuracy requirement.

FCRA 623 ( a ) ( 1 ) ( A ), ( a ) ( 2 ) duty to report accurately and update all CRAs.

FCRA 623 ( a ) ( 3 ) failure to mark disputed account.

Metro-2 error mis-coded paid account as currently late. 

XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX {$4000.00} ) TU/EX list Open Current {$4000.00} ; EQ shows Paid/Closed {$4000.00} bal. 

30-day late codes conflict ( XX/XX/XXXX vs XX/XX/XXXX ). 

Past-due field not zeroed out on all bureaus. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) inconsistent status/ delinquencies across bureaus. 

FCRA 623 ( a ) ( 5 ) missing/ conflicting Date-of-First-Delinquency.

Metro-2 error past-due left XXXX while coded current. 

XXXX. XXXX / XXXX XXXX XXXX XXXX XXXX ( Closed / {$0.00} bal ) Shows dispute resolved consumer disagrees but remark missing on all bureaus. 

30-day late posted XX/XX/XXXX not uniform across CRAs. 

Violations : FCRA 623 ( a ) ( 3 ) dispute notation not consistently reported.

FCRA 623 ( a ) ( 1 ) ( A ) late-history inconsistent; possible re-aging. 

These errors have harmed my credit standing and caused financial and emotional distress. 
I reserve all rights to pursue statutory and actual damages under FCRA 616617 and FDCPA 813 for any willful or negligent non-compliance.

Thank you for your prompt attention.

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 2025-10-08 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:
Dear Compliance Officer, I am formally disputing the accuracy of several accounts currently appearing on my credit reports. 
These items are incomplete, inaccurate, or misleading and violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and Metro-2 credit-reporting standards. 

Below I identify each account and the specific violations I am disputing. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Late 30 Days although the loan was Paid-in-Full / Closed XX/XX/XXXX ( {$0.00} balance ). 

Conflicting Closed / Last-Activity dates ( TU XX/XX/XXXX vs EX/EQ XX/XX/XXXX ). 

Two-year payment grid shows all OKno late entry supports this status. 

No Account in Dispute remark present though I contest accuracy. 

Violations : FCRA 607 ( b ) maximum accuracy requirement.

FCRA 623 ( a ) ( 1 ) ( A ), ( a ) ( 2 ) duty to report accurately and update all CRAs.

FCRA 623 ( a ) ( 3 ) failure to mark disputed account.

Metro-2 error mis-coded paid account as currently late. 

XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX {$4000.00} ) TU/EX list Open Current {$4000.00} ; EQ shows Paid/Closed {$4000.00} bal. 

30-day late codes conflict ( XX/XX/XXXX vs XX/XX/XXXX ). 

Past-due field not zeroed out on all bureaus. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) inconsistent status/ delinquencies across bureaus. 

FCRA 623 ( a ) ( 5 ) missing/ conflicting Date-of-First-Delinquency.

Metro-2 error past-due left XXXX while coded current. 

XXXX. XXXX / XXXX XXXX XXXX XXXX XXXX ( Closed / {$0.00} bal ) Shows dispute resolved consumer disagrees but remark missing on all bureaus. 

30-day late posted XX/XX/XXXX not uniform across CRAs. 

Violations : FCRA 623 ( a ) ( 3 ) dispute notation not consistently reported.

FCRA 623 ( a ) ( 1 ) ( A ) late-history inconsistent; possible re-aging. 

These errors have harmed my credit standing and caused financial and emotional distress. 
I reserve all rights to pursue statutory and actual damages under FCRA 616617 and FDCPA 813 for any willful or negligent non-compliance.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
I received a email from prosper stating this Dear XXXX, XXXX Prosper, our values are very important to us and we prioritize accountability and integrity in all our actions. As part of that commitment, today I need to share important news with you that has just become public, but I wanted you to hear it directly from me. 

We recently discovered unauthorized activity on our systems. As soon as we detected this, we acted quickly to stop the activity and strengthen our security measures, and began working with a leading cybersecurity firm to investigate what happened. We also reported the incident to law enforcement and have offered our full cooperation. 

There is no evidence of unauthorized access to customer accounts and funds, and our customer-facing operations continue uninterrupted. We have evidence that certain personal information, including Social Security Numbers, was obtained, and we will be offering free credit monitoring as appropriate after we determine what data was affected. Additionally, we continuously monitor accounts and have strong safeguards in place to protect your funds. 

We have a variety of measures and technologies to prevent these types of incidents, but unfortunately, these types of attacks are becoming more common across many industries. We are enhancing our monitoring of our systems and have implemented enhanced security controls to reduce the likelihood that this happens again in the future. 

The investigation is still in its very early stages, and we are deeply sorry for any concern this may create. Resolving this incident and protecting your data are our top priorities, and we are committed to addressing your questions as best as we can. 
If you have questions about this matter, please contact the Prosper Incident Response Line at XXXX. It is open from XXXX XXXX XXXX XXXX XXXX. CT Monday through Friday, excluding major U.S. holidays. 

Thank you for trusting us. We take that responsibility seriously, and we are determined to earn and keep that trust every day. 

With appreciation, XXXX XXXX, CEO

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom This May Concern : This correspondence serves as a formal complaint regarding a payment made on XX/XX/year>, to XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX  ( {$21000.00} ) under transaction reference number XXXX. The purpose of this payment was to fund and launch a XXXX XXXX through XXXX XXXXXXXX XXXX advertised XXXX XXXX XXXX, which was presented as a comprehensive package that would establish a fully functional transportation business, including the sourcing of XXXX commercial trucks, the placement of XXXX qualified drivers, the handling of dispatch operations, and the management of compliance and startup logistics under my company, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formerly express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime Numerous of times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation