vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: PA

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 2025-12-09 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:
I am not associated with this account, and it is appearing on my credit report in error due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was on the phone with RBFCU and I then received a text stating that my credit card has been activated at, I have th texts, I then ask her if she did that and she said no, I then asked for a replacement credit card, while stating that I have not yet even received this credit card from the company and its been XXXX months, She then said she would issue a new credit card, But I have not been issued a new one I froze my credit card after seeing that it was activated, I never activated it, I also asked her if she did and she denied that,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received multiple letters from Midland Credit Management about a debt they say they bought from XXXX XXXX The balance they are claiming ( over {$5600.00} ) is much higher than anything I remember owing, so I called them to request written debt validation by mail. I asked for documentation showing how they calculated the balance, proof they own the debt, and any original creditor records. 

The representative kept telling me they cant mail anything and that I have to log into their online portal. I explained multiple times that I need the information mailed to me. She refused and became rude. When she transferred me to a supervisor, the supervisor made an even more alarming comment. She said, I see you own a home. Just know that if you dont agree to pay, we will be suing and going after your home and paystubs, so its better if you just log in because I cant send you anything. 

This felt like a direct threat to my home and my income, even though I was not refusing to resolve anything, I was simply asking for written validation. The comment was extremely intimidating and inappropriate. After the call, I only received a basic form letter with general information, not the validation I requested. I still have not received the documents I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I CONTACTED THE CREDIT BUREAUS IN THE PAST ABOUT ITEMS BELOW ON MY CREDIT REPORT THAT ARE INNACURATE AND HAVE REQUESTED THAT THEY BE REMOVED BUT HAVE NOT BEEN SUCCESSFUL AT RECEIVING ANY INFORMATION ON THIS TO BE RESOLVED AT THIS POINT THE CREDIT BUREAUS ARE BREAKING LAWS 1681 ( a ) ( 1 ) - Only 100 % accurate info can be reported I 1681 ( b ) - Bureaus must ensure maximum possible accuracy 1681 ( i ) - Requires investigation of disputes 1681s-2 - Furnishers must report accurate

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX XXXX verified a charge-off on my XXXX  credit report without providing any documentation to support the accuracy of the account. I disputed this account with XXXX, and XXXX  marked the dispute as " verified, '' but the creditor did not provide me with any original documentation, contract, payment history, or method of verification. 


Under the Fair Credit Reporting Act ( FCRA ), a furnisher must conduct a reasonable investigation when a consumer disputes an account. I do not believe a reasonable investigation was completed because : XXXX. I was not provided any documentation to validate the account XXXX. No original signed agreement or application was provided. 
XXXX. No detailed accounting or breakdown of how the charge-off amount was calculated was provided XXXX. The creditor updated unrelated information on the account but did not address the specific item I disputed. 
XXXX. The reporting appears incomplete and possibly inaccurate I am requesting that XXXX XXXX XXXX XXXX provide : The original signed contract or application Complete payment history Detailed charge-off calculation Proof that the account is accurately and in full compliance with the FCRA Their method of verification used when responding to Experian If they are unable to validate the account with original documentation, I am requesting that the account be deleted from my credit reports. 
Thank you for reviewing my complaint. I am requesting a full investigation into XXXX XXXX XXXX XXXX XXXX  reporting and verification practices for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: MD

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Repeatededly holding XXXX funds for 5 days after sale, not allowing access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate, incomplete, and unverifiable information appearing on my credit reports. Multiple furnishers are reporting accounts with substantial errors, including a repossession that never occurred, charge-offs with inconsistent or impossible dates, collections that can not be validated, and accounts verified without any supporting documentation. 

One furnisher, SchoolsFirst FCU, is reporting a completed repossession even though the vehicle was only taken briefly and was returned to me. There was no auction, no sale, and no termination of rights. Reporting this as a repossession violates FCRA accuracy requirements under 15 USC 1681e ( b ), reinvestigation requirements under 15 USC 1681i, and furnisher duties under 15 USC 1681s-2 ( a ). It also conflicts with UCC 9-609 and 9-610 because no lawful disposition of collateral ever occurred. 

Other furnishers, including XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and several collection agencies, are reporting accounts with inaccurate dates, re-aging, incorrect payment histories, and unverifiable information. I disputed these items with the credit bureaus, but several furnishers verified the accounts electronically without reviewing original documents. This does not meet the standard of a reasonable investigation required under the FCRA or XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We are a family-owned company that mailed a large check payable to a business we routinely work with. The check was stolen, altered, and rewritten to a private individual, who then forged my signature and successfully cashed it.

One person was able to take {$19000.00} from our business with no questions asked. 

Our bank, BMO, has admitted that they were the institution that cashed the fraudulent check, yet they are refusing to accept responsibility. 

The check was dated XX/XX/year> and cleared on XX/XX/year>. The fraud was only discovered on XX/XX/year> when the intended payee contacted us about not receiving their payment. 

We followed every step required of us : we filed a police report, completed an XXXX filing, and cooperated fully with the assigned detective. The investigation stalled when the person who cashed the check could not be identified.

BMO originally told us that reimbursement would take 180 days, but they are now claiming they can not reimburse us at all. 

Despite our patience and full cooperation, BMO refuses to work with us to resolve this issue.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX XXXX verified a charge-off on my Experian credit report without providing any documentation to support the accuracy of the account. I disputed this account with Experian, and Experian marked the dispute as " verified, '' but the creditor did not provide me with any original documentation, contract, payment history, or method of verification. Under the Fair Credit Reporting Act ( FCRA ), a furnisher must conduct a reasonable investigation when a consumer disputes an account. I do not believe a reasonable investigation was completed because : XXXX. I was not provided any documentation to validate the account XXXX. No original signed agreement or application was provided. XXXX. No detailed accounting or breakdown of how the charge-off amount was calculated was provided XXXX. The creditor updated unrelated information on the account but did not address the specific item I disputed. XXXX. The reporting appears incomplete and possibly inaccurate I am requesting that Police & Fire FCU provide : The original signed contract or application Complete payment history Detailed charge-off calculation Proof that the account is accurately and in full compliance with the FCRA Their method of verification used when responding to Experian If they are unable to validate the account with original documentation, I am requesting that the account be deleted from my credit reports. Thank you for reviewing my complaint. I am requesting a full investigation into XXXX XXXX XXXX XXXXXXXX 's reporting and verification practices for this account.

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 2025-12-09 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Checking account ending XXXX was closed XX/XX/2025 for address verification I fixed same day. Account reopened, new deposits posting. Bank confirmed on XXXX no check will be mailed {$2400.00} swept on closure is being returned electronically. As of XX/XX/2025 still not posted. This is causing severe hardship ( rent, bills ). Need immediate release of my own funds.

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 2025-12-09 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: CA

Complaint narrative:
Experian is reporting a {$70.00} XXXX XXXX  that is not mine and was created through identity theft. I have never had any account or relationship with XXXX. I submitted an FTC Identity Theft Report and supporting documents showing the account is fraudulent, yet Experian is still reporting it. I am requesting that Experian remove this account immediately and stop including it in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation