vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FILING ARBUTRATION SEE ATTACHMENTS ID AND BILL PLUS SOCIAL IS ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and PERSONAL INFORMATION that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and PERSONAL INFORMATION from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
I HAVE NEVER CONTRACTED WITH MIDLAND CREDIT OR HAVE ANY CONTRACT OF ANY SORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Account Details : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/year> Grounds for Dispute : I request that you investigate and remove or correct this entry for the following reasons : 1. The school associated with the loan is under active XXXX investigation for racial discrimination, which may have impacted my access to fair and equal educational opportunities. 2. The loan may be fraudulent, unenforceable, or improperly originated due to the schools discriminatory conduct and potential violations of Title VI of the Civil Rights Act and other federal regulations. 3. Under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ), I am requesting a full reinvestigation of this item, including : Verification of the original signed Master Promissory Note ( MPN ) A complete chain of title and assignment of the debt Proof of authorization and informed consent regarding loan disbursement Any correspondence related to loan servicing and communication with the institution Requested Action : Pending the outcome of your investigation, I request the immediate removal or correction of this account from my credit file. I am enclosing documentation related to the XXXX complaint and request that you include this as part of your reinvestigation. Please complete the reinvestigation within the time allowed under the FCRA ( 15 U.S.C. 1681i ) and provide me with a written response. Attached is all info to support this claim. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because multiple unauthorized hard inquiries have appeared on my credit report without my consent. These inquiries were not authorized by me either verbally or in writing, and they were conducted without a permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 
Despite my efforts to dispute these inquiries directly with the credit reporting agencies, they remain on my file and continue to damage my credit standing. I have enclosed a copy of my FTC Identity Theft Affidavit to confirm that these inquiries were not initiated by me. 
I specifically object to the use of the e-OSCAR automated dispute system, which fails to provide a reasonable investigation under the FCRA. My disputes must be reviewed manually, and the credit bureaus are required to obtain and present evidence of any written authorization they claim to have.

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 2025-09-26 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: TX

Complaint narrative:
I am filing this complaint because multiple unauthorized hard inquiries have appeared on my credit report without my consent. These inquiries were not authorized by me either verbally or in writing, and they were conducted without a permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 
Despite my efforts to dispute these inquiries directly with the credit reporting agencies, they remain on my file and continue to damage my credit standing. I have enclosed a copy of my FTC Identity Theft Affidavit to confirm that these inquiries were not initiated by me. 
I specifically object to the use of the e-OSCAR automated dispute system, which fails to provide a reasonable investigation under the FCRA. My disputes must be reviewed manually, and the credit bureaus are required to obtain and present evidence of any written authorization they claim to have.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I am a victim of identity theft. In the months of XXXX XXXX XXXX XXXX and XXXX of XXXX  unauthorized access to my bank account resulting in unauthorized transactions to my checking account of {$13000.00} were taken out of my account. Key bank has not replaced the unauthorized charges to my account. This has caused such a financial distress on my life. I have spoken to the fraud department to no avail and am still waiting for funds to be put back into my account. I have provided there fraud department with my FTC report and my police report. I am under such duress from this innocent. Can you please advise. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV FUNDING LLC. Needs to be federally investigated. I'm going to make a long story short bear with me. 

I owe nobody no bills I'm XXXX XXXX XXXX been to the hospital numerous times put myself through school paid off multiple cars I owe no bills. All the sudden LVNV FUNDING LLC popped up on my credit report with one derogatory mark XXXX $ I'm like okay this is strange I have nothing on my credit report this stands out like a red flag. Well I decided not to call LVNV FUNDING LLC but call the one I supposably owed this XXXX XXXX It was a secured credit card so after contacting XXXX XXXX XXXX XXXX. THEY REALIZED IT WAS A MISTAKE IS SECURED BALANCE WITH A COVERED THIS XXXX $ IN MY SITUATION. EITHER WAY THEY MARKED IT AS A PAID CHARGE OFF. LVNV FUNDING LLC HAS NOW ADDED A XXXX $ DEROGATORY MARK TO MY CREDIT REPORT ANOTHER XXXX XXXX XXXX  REMIND YOU IT WAS A {$200.00} XXXX XXXX  LIMIT THE BALANCE IS INACCURATE I CALLED XXXX XXXX XXXX, they corrected this issue. LVNV FUNDING LLC. IS HOLDING MY CREDIT HOSTAGE THAT'S THE GOD 'S HONEST TRUTH YOU CAN LOOK AT MY CREDIT REPORT AND SEE THAT I'M TELLING YOU THE TRUTH. THE BALANCE STARTED OFF AS XXXX THEN WENT TO XXXX NOW IT'S XXXX I'VE HAD ENOUGH THEY'RE CHANGING THE AMOUNT I OWE RUINING ME!! PLEASE HELP ME AND INVESTIGATE THIS, THEY'RE RUINING MY LIFE AND I TRY HARD TO PAY ALL MY BILLS ON TIME AND IN FULL AND I HAVE FOR 37 YEARS DID THIS. I'VE CHOSE NOT TO EAT TO PAY BILLS ON TIME. THERE'S ONLY SO MUCH I CAN DO LVNV FUNDING LLC. IS BUYING CLOSED AND CHARGED OFF DEBTS. THESE DEBTS HAVE BEEN RESOLVED A LONG TIME AGO MY CREDIT WAS GOOD AND THEN BOOM TO DEROGATORY MARKS FOR XXXX $ AND THEN XXXX XXXX 

LET ME REMIND YOU THE PEOPLE WHO I OWE THE MONEY TO SUPPOSEDLY THEY DIDN'T PUT A DEROGATORY MARK SAYING I OWED THEM. BECAUSE I DIDN'T KNOW THAT LVNV FUNDING LLC. IS PRETENDING THAT I OWE THESE COMPANIES AND SABOTAGING MY CREDIT! 

If paying these XXXX and XXXX in full would make this go away I would do it in a heartbeat, I ALREADY MADE IT RIGHT WITH THE CREDIT CARD COMPANIES THAT'S WHY THE CREDIT CARD COMPANIES DON'T HAVE A DEROGATORY MARK ON MY CREDIT REPORT. LVNV FUNDING TOOK IT UPON THEIR SELF TO PUT THIS ON MY REPORT AND RUIN ME. LVNV FUNDING LLC. Is fraud THE SHOW AMERICAN GREED NEEDS TO INVESTIGATE!! PLEASE HELP ME! 

SINCERELY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: UT

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent 2 wire transfers to XXXX that totaled {$82000.00} from my XXXX Bank account. The transfers ended up at Truist Bank. XXXX tried to get Truist to return the wire transfers. Truist Bank acknowledged they would return the money but never did. 

{$70000.00} from my business bank account {$12000.00} from my personal bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Details of Personal Information Incorrect Address XXXX XXXX XXXXXXXX XXXX, XXXX, NY, XXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

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 2025-09-26 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
DEMAND FOR IMMEDIATE ACTION This is a formal dispute and demand under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Uniform Commercial Code ( UCC 1-308, 3-501 ). 

The account referenced above is invalid, fraudulent, and unverified. I have no binding contract or lawful agreement with Radius Global Solutions or XXXX XXXX for this alleged debt. 

Further, the alleged balance of {$77.00} is below the XXXX scoring threshold ( {$100.00} minimum ), meaning this tradeline serves no legitimate purpose other than to cause harm. This is false, misleading, and abusive reporting in direct violation of the FDCPA and FCRA. 

You are hereby ordered to immediately : Cease and desist all collection activity, including phone calls, mail, or third-party contact. 

Delete this fraudulent account from all consumer reporting agencies ( XXXX XXXX XXXX ). 

Provide within 15 days full validation of this alleged debt, including the original wet-ink signature contract that lawfully binds me. Screenshots, billing statements, or computer printouts do not satisfy validation requirements. 

LEGAL WARNINGS Any continued collection, reporting, or failure to validate constitutes a willful violation of the FDCPA, FCRA, and UCC.

You are strictly prohibited under 15 U.S.C. 1681s-2 from furnishing false or unverifiable information to any credit bureau .

Noncompliance will result in : Formal complaints filed with the CFPB, FTC, and my State Attorney General. 

A civil lawsuit against Radius Global Solutions for statutory damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n, 1681o, and 1692k. 

This is your final notice. Either provide lawful proof of liability or permanently delete the account. Anything less will result in immediate legal escalation.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX, a client deposited a personal check into my Chase business checking account in the amount of {$12000.00}. This was supposed to be a wire transfer for payment of services. As a result, Chase placed a restriction on my entire account, holding not just the {$12000.00} but also my existing business funds which have already been credited to my accounts. 

I have spoken to many of chases customer service reps and visited the branch multiple times and even brought my client in person to verify the check. Chase has informed me that the only way to lift the restriction is for my client to call from a registered phone number, which he does not have because he is new to the United States. They have refused to provide any other means of verification. 

This has caused severe disruption to my business operations, including the inability to make required payments and recieve payments for services rendered. Chase has further informed me that if this issue is not resolved within 10 days, beginning on XX/XX/XXXX, they will close my account send my funds at some point TBD. 

I am requesting that Chase release access to my legitimate existing funds ( not tied to the disputed check ), or provide a reasonable alternative method of verifying the check with my client. Their current position is unreasonable, and it is putting my business in jeopardy. 
I am seeking immediate resolution and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Onemain Financial Case # : XXXX DISPUTING THE HARD INQUIRY ON MY CREDIT REPORT ON XXXX XXXX To whom it may Concern : I am a consumer from the State of California and I am not disputing the denial/rejection on my {$30000.00} loan application but I would like to file a complaint regarding Onemain Financial Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

When I fill out the loan application on XX/XX/XXXX, there was a note on their website and online application that stated " checking for offers won't affect your credit score '', it is my understanding that there will be no hard credit inquiry on my XXXX account, but i received a noticed from XXXX on XX/XX/XXXX that a hard inquiry was made. 

I was requesting OneMain Financial to please delete/remove and erase the hard inquiry made on my XXXX account. The online application was fraudulent with a misleading information and false advertising, teasing the desperate consumer in continuing the online application. 

I am a retired senior citizen on a fixed income, I have been guarding my credit status vigilantly, coz I know it will help me tremendously in time of need. Most of my credit spending was because I am trying to keep a XXXX XXXX working, after XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have no one to take me to the groceries, pharmacies, doctors appointment and other necessities that need for me to have a car. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

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