vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I paid off the collection account with XXXX XXXX XXXX on [ insert date ], based on a verbal agreement made during a recorded phone call that the debt would be deleted from my credit report upon payment. I have honored my part of the agreement and made full payment. Despite this, XXXX XXXX continues to report the account to the credit bureaus, negatively affecting my credit score. 

This is a direct violation of the agreement made. I request immediate deletion of this account from all credit reporting agencies and written confirmation of the deletion. 

XXXX. XXXX ( via collection agency ) Confirmation # XXXX I paid the collection account related to XXXX and have confirmation of payment under # XXXX. Before paying, I was assured that the account would be deleted from my credit report upon successful payment. I fulfilled this agreement in full, yet the XXXX account remains on my credit file. 

This failure to follow through on the promised deletion constitutes deceptive and unfair reporting. I request immediate removal of this account from all credit bureaus and written proof of deletion. 

XXXX. XXXX ( via collection agency ) Confirmation # XXXX I paid the outstanding collection for XXXX with confirmation # XXXX. During the payment process, I was informed that the account would be removed from my credit report after payment was made. Despite paying in full, the account is still being reported on my credit history. 

I am requesting deletion of this account from all three credit bureaus and written confirmation, as was agreed when payment was made. Continued reporting contradicts the terms of the agreement and is damaging to my financial record.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I paid off the collection account with XXXX XXXX XXXX on [ insert date ], based on a verbal agreement made during a recorded phone call that the debt would be deleted from my credit report upon payment. I have honored my part of the agreement and made full payment. Despite this, XXXX XXXX continues to report the account to the credit bureaus, negatively affecting my credit score. 

This is a direct violation of the agreement made. I request immediate deletion of this account from all credit reporting agencies and written confirmation of the deletion. 

XXXX. XXXX ( via collection agency ) Confirmation # XXXX I paid the collection account related to XXXX and have confirmation of payment under # XXXX. Before paying, I was assured that the account would be deleted from my credit report upon successful payment. I fulfilled this agreement in full, yet the XXXX account remains on my credit file. 

This failure to follow through on the promised deletion constitutes deceptive and unfair reporting. I request immediate removal of this account from all credit bureaus and written proof of deletion. 

XXXX. XXXX ( via collection agency ) Confirmation # XXXX I paid the outstanding collection for XXXX with confirmation # XXXX. During the payment process, I was informed that the account would be removed from my credit report after payment was made. Despite paying in full, the account is still being reported on my credit history. 

I am requesting deletion of this account from all three credit bureaus and written confirmation, as was agreed when payment was made. Continued reporting contradicts the terms of the agreement and is damaging to my financial record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-05-13 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: FL

Complaint narrative:
I am disputing several unauthorized hard inquiries currently appearing on my credit reports with Experian, Equifax, and TransUnion. These inquiries are not associated with any open credit accounts, and I have never received or accepted credit from the companies listed below. 

Additionally, I have previously disputed these with the credit bureaus and was told they were verified. However, no documentation or evidence of my written consent or application was provided to justify these inquiries. 

I am requesting that these inquiries be deleted unless the data furnishers can provide written proof of my authorization, as required under the Fair Credit Reporting Act ( FCRA ). 

Inquiries NOT linked to any open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have no associated open accounts, which supports that no credit relationship was established. If no verifiable authorization is available, I request the credit bureaus to delete these inquiries immediately in accordance with FCRA 611. 

Thank you for your prompt investigation and response.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used chase business checking account number XXXX to send XXXX money transfer of XXXX dollars to my employees XXXX XXXX XXXXXXXX account on XX/XX/year>. 

They never received it. XXXX itself says they have no knowledge of the transactions. I saw recipient bank account and it has not received anything. 

Chase is not giving me the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Balance : {$280.00} Date Opened : XX/XX/2023

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 2025-05-14 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Affirm is reporting a charged-off loan ( XXXX ) that is legally invalid. I disputed the debt multiple times between XX/XX/XXXX and XX/XX/XXXX through their servicer, XXXX XXXX. All three mailed disputes were ignored. Despite this, Affirm transferred the disputed debt to XXXX, violating the FCRA. 

In XX/XX/XXXX, XXXX confirmed in writing that they returned the account to Affirm and no longer had any authority to collect or report on it. However, Affirm continued to report the tradeline, refused to investigate, and sent me a misleading message telling me to contact XXXX againafter I had already provided proof that XXXX no longer had the account. 

These actions violate the FCRA, FDCPA, and FCBA. Affirm has failed to investigate disputed information, misrepresented who owns the debt, and ignored multiple formal requests. The ongoing reporting is harming my credit and Affirm has made no effort to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I am a victim of identity Theft, I have attached a FTC ID Theft report, the following account should be removed off my credit report immediately. XXXX ) XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CORELOGIC INC
State: CA

Complaint narrative:
I am a victim of identity Theft, I have attached a FTC ID Theft report, the following account should be removed off my credit report immediately. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid off a XXXX  XXXX XXXX credit card that had been charged off. The payment was made in full in XX/XX/year>, and there is no balance remaining. Despite this, XXXX  XXXX XXXX continues to report the account as : Paid, Closed. {$1300.00} written off This remark implies that the debt was never resolved or fully paid, which is inaccurate and misleading. It is unfairly impacting my credit score and misrepresenting my financial responsibility to potential lenders. 

I respectfully request that XXXX  XXXX XXXX delete the account tradeline entirely from my credit report with Equifax, Experian, and TransUnion, as the debt has been fully satisfied. If removal is not possible, I request that the reporting be updated to reflect Paid in full without any reference to a charge-off or write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: LEXISNEXIS
State: CA

Complaint narrative:
I am a victim of identity Theft, I have attached a FTC ID Theft report, the following account should be removed off my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Global Lending Services LLC
State: PA

Complaint narrative:
I went to XXXX XXXX to test drive a car. I gave them my driver 's license to test drive a car. They made multiple inquiries on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I received letters from CHIME containing unsolicited debit and credit cards issued in my name. 

My credit has been frozen with XXXX XXXX XXXX XXXX for several years due to identity theft, so initially I thought those were just marketing materials with proposals. I had also placed a fraud alert with one ( or more ) of the agencies. Upon further analysis I noticed that the cards I received appeared to be legitimate cards issued by Chime and XXXX XXXX XXXX. One of the letters prompted me to set direct deposit and provided Routing number ( with XXXX XXXX XXXX ) and an account number. I checked my credit reports last night, but they showed no new accounts or inquiries. 

I called Chime to ask about the unsolicited cards, and they explained that if someone uses the Chime app and provides correct information, they will issue the debit and credit card without verifying if credit freezes exist. I asked if there was any activity, and they indicated that I would not be responsible for any activity, but did not explain if activity actually existed. They did not indicate if I had to contact XXXX XXXX XXXX  separately - I will do that tomorrow. 

If we freeze our credits to prevent fraudulent activity, but institutions like Chime ( and/or XXXX XXXX XXXX XXXX issue cards in our name, it appears that the " credit freeze '' process is insufficient. I suggest that the CFPB look into such practices which may make it easier for fraudsters to commit identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I received a text message from the number XXXX stating that a driver named XXXX XXXX XXXX  XXXX was delivering a package from XXXX XXXX to my address at XXXX XXXX XXXX, XXXX, MA. Then, my BOA card was charged {$480.00}, even though I did not make any purchase, and I have not bought anything from XXXX XXXX. 

I checked my XXXX XXXX account and found no order history. Later, at XXXX XXXX, I received another message saying that the driver had arrived. I went outside to wait, but no one showed up. Shortly after, I received a final message saying the package had been delivered and signed for by XXXX a. There is no one named XXXX at my house, and I had been standing outside the whole timeno delivery vehicle ever arrived. 

I contacted my bank to report the fraud and dispute the transaction. The bank issued a temporary credit of {$480.00}, and I thought the matter was resolved. 

However, several months later, at the end of XXXX, the bank reversed the credit and informed me that XXXX XXXX had provided evidence claiming that I made the purchase. 

I investigated further and discovered that someone had used my name, address, phone number, and card to make the purchase. But the email address used for the order was not mine. 

My actual email is XXXX, but the email associated with the order was XXXX, which I do not own and have never used it simply imitates my name. 

So I contacted the bank again to explain that I did not make this purchase. The bank launched a further investigation, but after several days, I was informed that XXXX XXXX maintains I made the purchase because the IP address used at the time of the order matched my home address. 

But how is that possible? 
I did not place the order. No one in my household placed the order. 
And if the order was real, where is the item? Nothing was ever delivered. 
I have taken screenshots of all the messages I received as evidence. If needed, I can send them to you. 

I usually use my credit card for online transactions and rarely use my debit card, as I have previously experienced unauthorized charges on my card for transactions I did not make. So, I don't understand how the fraudster got access to my debit card information, especially since I never used it. 

Please help me. 
The amount of {$480.00} might not seem much to some, but as a student, its a significant loss for me. 
Thank you.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX polished stone circle XXXX, TX XXXX XXXX XXXX XXXX Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX RE : Debt Validation Request Dispute of Alleged Debt Account Number ( if known ) : To Whom It May Concern : I am writing to notify you that I am disputing the validity of the alleged debt in the amount of {$3800.00} that you claim I owe. I do not recognize this debt and believe it does not belong to me.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt. Please cease all collection activities and stop reporting this debt to any credit reporting agencies until you have provided the information requested below : The name and address of the original creditor.

A detailed breakdown of the amount you claim I owe, including principal, interest, fees, and payments applied.

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

Documentation that shows Midland Credit Management , Inc. has the legal authority to collect on this debt. 
The full chain of ownership of the debt from the original creditor to Midland Credit Management , Inc . 
Until such documentation is provided, you must cease all collection activity, including phone calls, letters, and credit reporting, as required by federal law. If this debt is being reported on my credit report, this letter serves as my formal dispute. 

Please respond to this request in writing. If you can not provide the requested information, you are required by law to delete this account from any credit reporting agencies and stop all attempts to collect. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief