vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX " XXXX XXXX XX/XX/year> Midland Credit Management XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ca XXXX under NJ law, specifically the affidavit of Merit statue ( XXXX ), a plaintiff alleging negligence against a licensed professional must provide an affidavit from an appropriate within 60days of the defendant answer to the complaint. Failure to do so may result in the dismissal of the case with prejudice. 
In light of the above, i respectfully request the following actions.

Immediate withdrawal of all claims of negligence and non compliance.

A written that no other further legal actions will be pursued against me in relations to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: LIVE OAK BANCSHARES, INC.
State: MA

Complaint narrative:
I have a new bank account in liveoak bank ended at XXXX, based on the term I have deposit XXXX into my account and keep it for 60 days, to qualify the promotion of XXXX dollars. Company denied my promotion staying that there a fine print at the ended that I should not withdraw any money in other account not relative to account. Which by the time the term is barely readable in the email sent, I have request a one time exception to grand the bonus and get denied again, I would like the company to honor the promotion of XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> XXXX XXXX  Customer Service / Collections Department XXXX. XXXX XXXX XXXX, OH XXXX Subject : Formal Dispute and Demand for Validation or Removal of Charged-Off Account To Whom It May Concern, I am writing yet again to dispute the accuracy of the information being reported by XXXX XXXX  on my credit file regarding an account that was closed and charged off. Despite my prior written requests, this account continues to be reported inaccurately and without proper validation across all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

The account in question reflects the following : Reported Charge-Off Date : XX/XX/year>XXXX  Balance : {$0.00} Credit Limit : {$300.00} Reporting Agencies XXXX XXXX XXXX XXXX  If this debt was indeed canceled or forgiven, I demand a copy of IRS Form 1099-C, as is required by federal tax law. If you can not provide this document, then the continued reporting of this account is not only inaccurateit may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If you can not produce a valid signed agreement and full payment history to validate this debt as mine, and if you refuse to provide a 1099-C, then you must immediately remove this tradeline from all credit reporting agencies.

You are hereby notified that your failure to respond appropriately may result in the following : 1. A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; 2. A dispute filed directly with all three credit bureaus citing failure to validate ; 3. Consideration of legal action for damages resulting from inaccurate reporting.

You have 15 days from the date of this letter to respond with proper documentation or to remove this account from my credit reports. 

This is your final notice before escalation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Contemporary Information Corp
State: FL

Complaint narrative:
I submitted a dispute to Contemporary Information Corp. ( CIC ) regarding a housing court record ( Case # XXXX ) that appears on my consumer report dated XX/XX/year>. 

In CICs formal response ( XX/XX/year> ), they stated that the judgment amount was {$2600.00} and that it had been verified as accurate and complete. However, the official court document they provided clearly shows a judgment amount of {$2700.00} + {$120.00} in court costs, totaling {$2800.00}. This proves their response was inaccurate and misleading. 

I requested a correction and asked CIC to provide : The name and contact information of the party who verified the record.

The specific method used to verify it.

CIC never answered all three these questions, which are required under the FCRA. Instead, they later claimed the error in their official response was a typo and refused to correct or remove the record. 

They have failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ), and I am requesting a full reinvestigation and removal of the record from my consumer report due to false reporting and mishandling of the dispute process. 

Desired resolution : Full deletion of the inaccurate record from my consumer report. 
A detailed explanation of their investigation and verification process. 
Accountability for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Experian have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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 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

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 2025-05-21 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: NM

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected 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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> I have tried to use card in XXXX and it was denied twice. Looked online on account it said fraud alert take action. I called and they verified that I am the one trying to use card and said they need copy of driver license, social security card and utilities bill. At first I denied but called back after a week. They said the same so 8 decided to fax it in. I did twice that day. After a couple days I looked in account and it was still blocked so I called again and was told it's not visible so I faxed again. After another few days called and they said the exact same thing all they said is sorry try again. I asked to speak with manager and said the same thing at Wich point I asked again to close the account and they said they can not close it because they don't have the documentation to prove it was me. I proceeded to tel them that it is crazy that there is nothing they can do. It is me and they can check that everyday I log in my account and pay whatever was due and if they received my documents and say that they are not visible why don't they notify me to ask for them or something. Why do I have to call? So today XX/XX/year> after talking to them 12 or 13 times and faxing them the info and also mailing in twice copies of documents they still tell me the documentation is not visible. 
I can't use the account I can't close it I can't do anything and they would not let me talk to someone in corporate to try and figure out Please help

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 2025-05-21 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: TX

Complaint narrative:
Since I did not open these unjust accounts and was not aware of their existence, I immediately ask that they be removed from my credit report. Please remove them within 15 days in accordance with USC 1681g. The necessary supporting documentation are included.

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 2025-05-21 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: IN

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-21 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: TX

Complaint narrative:
My recent credit record review revealed late payment entries that I believe are incorrect, yet despite sending formal validation request letters over 30 days ago, I've received no response whatsoever. This prolonged silence and failure to provide satisfactory validation of these alleged late payments is particularly troubling as these negative entries continue to damage my credit score and limit my financial opportunities.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I keep getting random calls and email by about credit debt that dnt know about, some have all info where I work and live, my family names this is crazy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

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 2025-05-21 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: NC

Complaint narrative:
Dates XXXXXXXX XXXX XXXX DEPARTMENT SUDENT LOANS My Student Loans were in " Forbearance ''. The school I attended also has recently shut down due to multiple allegations regarding student loans and possible theft. I have worked very hard on my credit score and and have paid all my bills onetime. My score was XXXX and I was not notified by XXXX of any " late payments '' or past due payments. This caused my credit score to drop XXXX points due to claiming " late ''. I am devastated and I have tried to dispute with all three credit agencies to correct this problem. I have also been affected by a natural disaster as I am located in North Carolina. Please help me! What do I need to do about this as I am very worried about the impact that has taken place. Please review my credit diligently and you will see how important I have taken my score and proud I have been to continue to build my score up. Thank you for your time and assistance in this matter.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a new credit card with Chase. Its taking more than 2 weeks with the result. Every time I call, they keep saying the application is under review. They wanted me to provide personal information such as ID which I already provided but still pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XXXX XXXX  and on XX/XX/XXXX, Two account were open by Citibank with out my authorization and not verifying my fraud alert report that is on my credit bureau which is active until XXXX. 

These account are fraudulent and should not be on my credit report. I am including copy of my Identity Theft 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 2025-05-21 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
My recent credit record review revealed late payment entries that I believe are incorrect, yet despite sending formal validation request letters over 30 days ago, I've received no response whatsoever. This prolonged silence and failure to provide satisfactory validation of these alleged late payments is particularly troubling as these negative entries continue to damage my credit score and limit my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
A gym that I used to attend is attempting to collect a debt that I shouldnt have. The gym owner told me that he would cancel my membership the following month but little did I know he didnt and apparently the debt kept growing to the point they are trying to collect XXXX from me. A collection agency reached out to me and I explained the situation but they did not listen so I sent a letter to cease all communication unless they have all of the required documents that are supposed to be provided to prove the debt is mine. In the letter I also provided a screenshot print out showing that on the app it showed my membership was cancelled in XXXX yet the gym kept charging me in XXXX. I have yet to receive the documents I requested but the agency keeps using spam numbers to call me and continues to leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

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

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

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

Company response to consumer: Closed with non-monetary relief