vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXXXX/XX/year> Experian

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The remaining balance on the account is not equivalent to the incoming deposit including outgoing purchases made at the time of account closure

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 2025-08-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXXXX/XX/year> Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
Our insurance company suppose to haven sent this company out XXXX XXXX the insurance company didn't pay our claim we are going through other channels to get this resolved, so this company came after us to pay XXXX/ they threatened to file an mechanic 's lein against our property/ we have declaration of XXXX  on our property I'm taking steps to insure it does not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
This is a formal complaint and demand for the immediate deletion of all personal and consumer information stored by LexisNexis Risk Solutions, XXXX XXXX, and XXXX ( collectively data furnishers ). 

Pursuant to the Graham-Leach-Bliley Act ( 15 U.S.C. XXXX ), I hereby exercise my right to opt out of the collection, retention, and disclosure of my nonpublic personal information ( NPI ) to any non-affiliated third parties. The GLBA requires financial institutions and consumer reporting agencies to protect the confidentiality and security of consumer data and to honor opt-out requests.

This is also a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The data being reported about me is inaccurate, incomplete, and lacks a permissible purpose under 15 U.S.C. 1681b. Your storage and sharing of my information has caused credit denials, increased insurance premiums, and measurable financial harm.

I am demanding that each company : Permanently delete all files, records, and reports associated with my personal identifiers.

Cease all future collection, storage, and sharing of my information.

Provide written confirmation within 30 days of full deletion.

Failure to comply constitutes willful noncompliance under the FCRA and violations of the GLBA, which will be pursued through litigation. This complaint is being filed with the CFPB to enforce immediate action and ensure removal from all databases and third-party systems.

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

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 Federal 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 4 business 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I posted on the XXXX  a picture where I could not login, my account showing I no longer had the IDR. I asked why I had not been contacted, but yet they had posted on my credit report, dropping my credit XXXX points with no contact. I am a hardworking only parent that has worked hard at my credit. And they destroyed it. I have a child to send to XXXX. If I had know the payments were not on pause or could login to their site, I could pay the payments, as my prior credit showed with XXXX score. They have an f with the XXXX. They will not fix my situation despite the uncertainty around student loans over the last years.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
equifax is reporting accts that do not belong to me XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
I completed a cash advance using my debit card on XX/XX/scrub>XXXX  I deposited some of funds from the transaction into my savings account to complete an ach debit on the same date. I received notification from the financial institution that my cash advance was rescinded on XXXX  because the funds were not debited from my card on XX/XX/year>. I had another cash advance that was completed on XX/XX/year>XXXX  with the funds being immediately available without any issue. The funds were immediately available on XX/XX/year> and Im questioning why the funds from the cash advance that occurred on XX/XX/year> was not processed until XXXXI believe the actions taken were discriminatory and was an attempt to have reason to close my account without recourse. Ive filed a police report in the jurisdiction of the financial institution regarding suspicious activity on my account and spoke with someone other than the branch manager concerning this issue with no resolution. Ive called customer service several times to speak with a manager regarding the dispute of these charges and was denied. Also, my banking statement isnt specifying that cash advances were not made on particular dates but is showing as deposits only which raise my suspicion of fraudulent activity on my account. I strongly believe that my transaction history was manipulated in an attempt to fraudulently place this charge on my account. I was finally informed that the dispute of these charges charges were denied on XX/XX/year>XXXX  but I wasnt informed of this decision until XX/XX/year>. My complaint is that I believe these actions taken are racially motivated and an attempt to close my account without recourse if these charges are not paid and to conceal the fact that these charges were blantly put on me to provide justification of closing my account if these inaccurate charges are not paid. I still have not spoken with the branch manger which is what Ive been requesting since XX/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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Has requested to have debt verified by the company as well as the 3 credit bureaus. I have requested this information several times and all I receive from the company is monthly statements which doe not verify the account is mine. The credit bureaus state they verified the account ; however, they have yet to send me anything other then a credit report. 

I have been trying to get this information for months and yet, nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kovo
State: LA

Complaint narrative:
Account KOVO INC # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete account # GBXXXX as soon as possible from my report or I will have to take legal action. 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt The debt collector must cease all communication.

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

Complaint narrative:
I am writing to formally dispute the accuracy and timeliness of the information you are furnishing on my credit report regarding the account with XXXX XXXX, account number XXXX. I have attached a copy of my credit report with the disputed item highlighted. 
My dispute is based on several issues, including inaccuracies in payment history reporting, concerns regarding the investigation process, and potential violations of the Fair Credit Reporting Act ( FCRA ). 
Dispute of Payment History and Timeliness of Reporting My records indicate that the payment history reported on my credit file is inaccurate. The provided payment history shows a " past due 30 days '' status for XX/XX/year>, while a recent payment of {$30.00} was made as of XX/XX/year>. Furthermore, the account was opened on XX/XX/year>XXXX  with a monthly payment of {$10.00}, yet the reporting of " past due '' for XXXX appears to be premature and inconsistent with the account 's history. I request a detailed and accurate accounting of all payments made and a correction to reflect the true payment status. 
Dispute Regarding Investigation and Legal Procedures ( FCRA Violations ) The reinvestigation information on my report states that this item was " updated from our processing of your dispute in XX/XX/year>. '' This suggests a reinvestigation was conducted ; however, the outcome has not corrected the inaccuracies. This raises concerns regarding your adherence to FCRA regulations, specifically : * 611 ( a ) ( 1 ) ( A ), which requires a credit reporting agency to conduct a reasonable reinvestigation of disputed information. The continued reporting of inaccurate information suggests that a reasonable reinvestigation may not have been performed. 
* 623 ( a ) ( 8 ), which requires furnishers of information to investigate and report the results of their investigation to the consumer reporting agency. I believe that the furnisher, XXXX XXXX, may not be in compliance with this requirement. 
Demand for Update and Removal of Delinquency Under the FCRA, I am requesting that you promptly and accurately update my account to reflect a positive payment status and remove the reported delinquency. The inaccurate reporting is causing harm to my credit score and financial standing. 
I am requesting the following actions : * A complete and accurate reinvestigation of this account, adhering to all requirements of the FCRA. 
* The immediate removal of the 30-day past-due status for XX/XX/year>. 
* An update to the account to show a current and positive status. 
* Written confirmation that this account has been corrected and updated on my credit report. 
Please send me the results of your reinvestigation and a corrected copy of my credit report within 30 days of receiving this letter, as required by law.

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

Complaint narrative:
Creditor Name : XXXX XXXX / XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$1600.00} Account Status : Charged Off, Closed by Credit Grantor On XX/XX/XXXX, Equifax permanently deleted this tradeline from my credit file after completing a reinvestigation of my dispute ( XXXX XXXX XXXX XXXX ). This deletion confirms that the account is unverifiable. 

Despite this, both Experian and TransUnion continue to report this same tradeline as a valid account on my credit file. By continuing to report unverifiable information, they are : 1. Violating FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

2. Violating FCRA 1681i ( a ) Failure to delete unverifiable information after a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, as required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature, pursuant to my rights under 15 U.S.C. 1681i ( a ), which requires you to conduct a reasonable reinvestigation to verify the accuracy of disputed information.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes, as mandated by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681m.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers, as provided under 15 U.S.C. 1681g.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I ordered a car part from someone off of XXXX XXXX  XXXX  from XXXX XXXX XXXX they told me the part was {$160.00} so I sent them the {$160.00} though my chime bank app, after I sent the money wrench a part said they needed another just {$100.00} for a packing fee, after I sent the {$100.00} wrench a part ask for another {$150.00} I asked for a refund and they said no and blocked me, and chime back said there's nothing they can or will do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-10 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:
SO I WANT TO EXPLAIN THIS. THERE ARE PEOPLE WHO STOLE MY INFORMATION AND NOW I SEE FRAUDULENT ACCOUNTS AND INQUIRES UNDER MY NAME WHICH I HAVE NO INFORMATION ABOUT. I WILL MENATION THE INQUIRES WHICH ARE ASSOCIATED WITH THIS FRAUD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HOPE YOU UNDERSTAND THE SERIOUSNESS OF THIS SITUATION AND HOW BAD THIS IS OVERALL TO HAPPEN TO A PERSON, I AM ALSO VERY NERVOUS ABOUT IT AND I HOPE THAT THIS GETS SOLVED. THANKS BEFOREHAND.

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