vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-12-01 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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
While reviewing my credit report I noticed Midland Credit Management Inc reporting XXXX debts that do not belong to me. I was not notified by Midland before they reported this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: GA

Complaint narrative:
This debt does not belong to me. I was not the patient, did not receive any services from the original creditor, XXXX XXXX XXXX and I have never had any account, treatment, or financial relationship with the provider listed. 

I received a collection notice from your company, Merchants & Medical Credit Corporation, Inc ; stating that I owe {$85.00}, however, I never received any prior bill, explanation of charges, or notification from the original creditor. Additionally, the notice you sent does not include a date of service, which is essential for confirming the identity of the correct patient. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Full validation of the alleged debt, including : The name of the original creditor Date of service or transaction Itemized billing statement Proof that I am legally responsible for this debt Documentation with my signature ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-01 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed several hard inquiries on my Equifax credit report. Equifax marked them as verified, but did not provide any documentation showing permissible purpose or signed authorization.

Under FCRA 604 ( a ), a company must have a legally permissible purpose AND my authorization to obtain my credit report.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), Equifax must provide the Method of Verification, including the name of the person contacted, the method used to verify, and copies of documents used during the verification.

Instead of providing this, Equifax sent a generic response that inquiries are a factual record, which does not satisfy the verification requirements of the FCRA. 
I contacted the furnishers directly and they failed to provide any proof of authorization or permissible purpose. Since the furnishers can not validate the inquiries and Equifax refuses to provide the required verification, these inquiries are unverified and must be deleted. 
I am requesting that the CFPB require Equifax to delete all inquiries that were not verified with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
I am requesting a full investigation into the accounts and inquiries listed below. I believe these items are being reported inaccurately and may not reflect complete or verified information. I am simply trying to fix my credit, and I am asking Equifax to properly verify each account and remove anything that can not be fully validated. 

Charged-Off Accounts in Dispute XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} UNAUTHORIZED COLLECTION XXXX * * * * XX/XX/XXXX {$110.00} UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$130.00} UNAUTHORIZED COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} Inquiries in Dispute XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
On XX/XX/year>, I sent Zions Debt Holdings a formal, certified dispute and validation request, which also included a cease-and-desist directive, demanding verification of an alleged debt purportedly from XXXX. The letter explicitly requested : 1. The original signed contract or agreement ; 2. Complete account history including all charges and payments ; 3. Proof of legal ownership or assignment of the alleged debt ; and 4. Any other documentation establishing my legal obligation to pay.

Zions Debt Holdings failed to provide any of the requested documentation. Instead, they only sent a statement of the balance owed and a settlement offer, which is legally insufficient under : FDCPA 1692g ( a ) requires debt collectors to provide validation of debts upon dispute ; FDCPA 1692c ( c ) prohibits collection activity after receipt of a cease-and-desist notice ; FCRA 1681i ( a ) requires furnisher to reinvestigate and verify disputed information ; FCRA 1681s-2 ( b ) imposes duties on furnishers to report accurate information and correct errors ; FDCPA 1692e ( 8 ) prohibits communicating false information about the amount, status, or ownership of a debt.

Despite the certified notice, Zions continued to report and verify the alleged debt with Equifax, engaging in misleading and deceptive collection practices. Their actions constitute willful noncompliance, bad-faith reporting, and reckless disregard of federal consumer protection laws. 

This situation exposes me to potential identity theft and credit damage, as the company has acted without proper authorization, validation, or legal basis. Immediate action is required to remove the unverified tradeline and halt any collection activity.

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 2025-12-01 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX  ), XXXX ( XXXX  ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-01 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XX/XX/XXXXbusiness days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XX/XX/XXXXbusiness days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: OH

Complaint narrative:
I opened a Novo business checking account through their nerd wallet public promotion offering a {$300.00} cash bonus ( https : //www.novo.co/offer/nerdwallet ) .I did not use a referral link. After meeting the stated requirements and not receiving the {$300.00} bonus, I contacted Novo support on XX/XX/XXXX. 

Summarized Bonus terms : novo sole biz checking bonus {$300.00} with deposit $ XXXX in 30 days after opening, maintain $ XXXX balance for 90 days + XXXX debit transactions of any amount in 90 days of acct opening, bonus deposited in 15 days after meeting requirements Opened account XX/XX/XXXX $ XXXX deposit XX/XX/XXXX XXXX debit transactions made XX/XX/XXXX 90 days hold window is up XX/XX/XXXX XXXX {$300.00} bonus awarded after XX/XX/XXXX On XX/XX/XXXX, the support representative ( XXXX XXXX told me he would speak with their special team. Later, he informed me that their accounts team claimed I was ineligible for the {$300.00} bonus because I had already received a {$40.00} referral bonus. I never used a referral code nor opted into any referral promotion, and I was not given any explanation of how a referral code was supposedly applied to my account. 

On XX/XX/XXXX, the representative repeated the same explanation and could not clarify how this error occurred. I expressed concern that XXXX was denying the advertised {$300.00} bonus due to an internal mistake that I did not authorize. 

On XX/XX/XXXX, an escalation XXXX ( XXXX XXXX stated that bonuses can not be combined and that a referral code was entered, again without providing evidence or an explanation. Novo continues to deny the {$300.00} bonus I signed up for, despite my meeting all requirements and not applying any referral code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear CFPB Representative, I am writing to follow up on my original complaint XXXX  XXXX, submitted on XX/XX/year>, regarding Bank of AmericaXXXX decision to block my account in XXXX and again for XXXX weeks in XXXX. 

Although Bank of America has restored my account access, they have not provided the written explanation I requested for the restrictions. On XX/XX/year>, the bank sent me a document addressing XXXX of Attorney procedures, but it did not explain why my account was blocked. 

Since more than XXXX  days have passed without a substantive written response, I am requesting the CFPBs assistance in obtaining a clear explanation from Bank of America regarding : XXXX. Why my account was blocked in XXXX and XXXX, and XXXX. Whether any internal reviews, alerts, or compliance actions triggered the restriction. 

Having this information in writing is essential for my records and to ensure that I did not inadvertently violate bank policies that could cause similar issues in the future. 

Thank you for your assistance. I look forward to your follow-up. 

Sincerely, 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 monetary relief