vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  They have been harassing and disclosing my information to my friends and family without my authorization. 

Prohibition on Third-Party Disclosure ( 15 U.S. Code 1692c ( b ) ) : Debt collectors may not communicate with any third party ( other than your attorney or the creditor ) about your debt, except for limited purposes such as locating you. 

The FCRA regulates how collection agencies ( and other furnishers of credit information ) can report debt to credit bureaus. They must be accurate, fair, and responsible in how they handle your credit data.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am filing this complaint because my creditor ( GM financial ) is reporting late payments to my credit report that are not accurate and verified I have disputed this with the credit bureau and the creditor, and I still have not receive proper validation or documentation under 15 US C 1681 S2A furnitures must must report accurate information under 1681. The credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I received an unauthorized charge on my credit card from XXXX, XXXX, as follows : Amount : {$560.00} Transaction Date : XX/XX/year> Reference Number : XXXX Merchant Category : Airlines/ Air Carriers ( Code XXXX ) Transaction Type : Purchase I immediately disputed this charge, and the bank removed it. I was also issued a new replacement card for security. 

However, in XX/XX/year>, I received the same unauthorized charge again on my new card : Transaction Date : XX/XX/year> Amount : {$560.00} Merchant : XXXX, XXXX. 

I disputed the charge again, but this time the bank informed me that they will not remove the charge immediately and instead will conduct an investigation for up to 90 days to determine if it is fraud despite having already ruled it as fraud last month. 

This situation is illogical and abusive. Based on this pattern, it seems I will now have to dispute the same fraudulent charge every month and receive a new card monthly, without any permanent solution. 

I formally request : Immediate removal of the XX/XX/XXXX charge from XXXX, XXXX. 

A permanent block of this merchant from future billing attempts. 

A written explanation of why a confirmed fraud charge is being reprocessed and not immediately reversed.

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 monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Subject : Formal Dispute of Charge-Off Notice of Violations Under Federal Law To Whom It May Concern, I am writing to formally dispute the alleged charge-off you have reported to the credit bureaus. Under federal law, you are required to ensure all information furnished is accurate and compliant with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). After reviewing my credit report, I have identified violations of the following federal statutes : 1. 15 U.S.C. 1681s-2 ( a ) You are required to report only accurate and verifiable information. If you are unable to prove the validity of this charge-off with proper documentation, you must immediately remove it. 

2. 15 U.S.C. 1681b ( a ) ( 2 ) You must have a permissible purpose to continue reporting an account post-charge-off. If you can not provide evidence of my direct consent, your reporting is in violation of federal law.

3. 15 U.S.C. 1666 Under the Fair Credit Billing Act, I have the right to dispute any billing errors or inaccuracies. You must provide a full investigation with verifiable documentation supporting this alleged debt. If you can not, this charge-off must be immediately deleted.

Failure to correct these violations will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel for willful non-compliance. 

I demand the immediate deletion of this charge-off from all credit bureaus. You have 30 days to respond with verifiable proof or confirmation of removal. 

This letter serves as formal notice under federal law. Failure to comply will be met with all available legal remedies. 

XXXX XXXX XXXX XXXX account # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank mailed by debit card to the wrong city and as a result the criminals deposited a lot of fraudulent checks and as a result my account went negative. My credit has been affected as a result and Chase is refusing to make this XXXX account right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
I noticed items that didn't belong on my report, I sent all the necessary documents to verify my Identify and I have attached a document that further explain a personal tragic event that happened in my life. Refer to FCRA 15usc605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I haven't supplied proof under the doctrine of estoppel by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Consumer Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
Im contacting you about an account thats showing up on my credit report but does not belong to me. It appears that this account is being mixed in with my personal credit information, and I believe it belongs to someone else entirely.

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 2025-05-19 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: TX

Complaint narrative:
Im contacting you about an account thats showing up on my credit report but does not belong to me. It appears that this account is being mixed in with my personal credit information, and I believe it belongs to someone else entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment on a XXXX  XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payment on an XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: LA

Complaint narrative:
I have been called by unifin multiple times in the past year for a debt that is not for me. I got a new number in XXXX of XXXX  and have been getting phone calls every few months from them even after informing them a new person owns this number and I am not the person they are looking for. Each time I bring up not calling me they get rude and hurry up to hang up and that they wont call again. They have now resorted to texting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NRA Group, LLC
State: NC

Complaint narrative:
Between XX/XX/year>XXXX  and XX/XX/year>, a new account in collections was added to my credit report. The collection agency is NTL RECOVERY AGENCY. The original creditor was XXXX XXXX XXXX XXXX. I had no knowledge of this debt neither did I give permission for this debt or my information to be sold to a third party vendor according to FCRA 15 U.S. Code 1681b, my report was sold or shared without meeting any of these criteria that is related to this law, which could constitute a violation of the FCRA.

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 2025-05-19 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
THIS IS NOT A DUPLIATE DISPUTE : I entered into a business lease agreement with the original creditor, which was paid in full. I received title to the equipment as confirmation that the account was fully satisfied. 

Caine & Weiner began attempting to collect on this account without proving that I legally owe the alleged debt. 

I sent them a formal debt validation request requesting : Proof of ownership/assignment of the alleged debt ; Evidence that I am personally liable for the alleged debt ; A copy of the original signed lease and payment history. 

In response, they only provided a generic account summary and one statement, which does not satisfy the requirements of proper validation under 15 U.S.C. 1692g ( b ).

They are now falsely reporting this account to the credit bureaus ( XXXX, XXXX XXXX  ) as a personal debt, despite the account being a business lease paid in full. 

Violations Committed by Caine & Weiner : FCRA Violation 15 U.S.C. 1681s-2 ( b ) : Furnishers must report only accurate and verifiable information.

Reporting a fully paid and business-only lease to my personal credit is false, misleading, and damaging. 

FDCPA Violation 15 U.S.C. 1692e and 1692g ( b ) : It is unlawful to misrepresent the character, amount, or legal status of any debt.

Caine & Weiner falsely stated I am personally liable without documentation. 

They have continued collection efforts without proper validation. 

Misrepresentation & Deceptive Practices : By claiming personal liability where none exists and continuing to report a business lease as a consumer debt, Caine & Weiner is intentionally misleading both the consumer and the credit bureaus.

Violation of Constitutional Due Process Rights : I was never given proper opportunity to challenge this alleged debt in a legal setting with full documentation and rights of rebuttal. 
Supporting Legal Precedents : Caine & Weiner has previously faced legal action for misleading and deceptive collection practices, including : Garcia v. Caine & Weiner Co. , Inc. Alleged FDCPA violations due to threatening and misleading letters sent to consumers that discouraged legal dispute of debts. 

Curtis v. Caine & Weiner Co. , Inc. Caine & Weiner continued collecting without validation.

Landry v. Caine & Weiner Co. , Inc. Lawsuit for misrepresentation and collection without proper evidence. 

These cases reflect a pattern of misconduct by this agency. 

I will not tolerate continued harassment and illegal credit reporting. I reserve the right to take legal action for : Statutory damages under the FDCPA ( {$1000.00} per violation ), Actual damages, punitive damages, attorneys fees, and Filing of additional complaints with the FTC, State Attorney General, and civil courts. 

I ask that the CFPB investigate this matter promptly and compel Caine & Weiner to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
15 U.S.C. 1692g ( Debt Validation ) : requested verification of the debt and related documents and never received original contract with signature and dates of debt and payment due dates.

15 U.S.C. 1692c ( Communication Restrictions ) : Requested future communication to be in writing they have been calling, texting, emailing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My brother is currently in XXXX  and his lawyer sent me a legal Durable Power of Attorney created/notarized by her. I submitted to Chase XX/XX/year>. They have repeatedly rejected it for insignificant issues. It has been a constant battle. Now they want his address on a brand me POA because the lawyer entered XXXX XXXX. He has no legal address currently. I have explained this repeatedly. He has significant funds in the account and is in need of them. There is also a possibility of fraud since his checkbook and ATM card were stolen. I have also explained this to them repeatedly. They adamantly refuse to allow approval of the POA without an address. What can I do further to get the POA approved. It is a completely legal and binding Durable POA from his lawyer and also a notarized Certification of Agent required by XXXX XXXX XXXX notarized by me. PLEASE HELP. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I reviewed my consumer reports and noticed that i had three late payments on an XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-05-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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