vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
b'Subject: Formal Dispute and Investigation RequestXX/XX/XXXX AccountXX/XX/XXXXRe: FCRAXX/XX/XXXX and FDCPA XX/XX/XXXXTo Whom It May Concern,\n\nI am writing to formally dispute the accuracy and legitimacy of an account being reported under my name and credit file:\n\nCreditor: XX/XX/XXXXAccount Number: XX/XX/XXXXType: Revolving Credit\nStatus: [List what appears  e.g., Open, Charged Off, or Closed]\n\nThis account is being reported without my authorization, validation, or permissible purpose as required under 15 U.S. CXX/XX/XXXXe XX/XX/XXXXb. I have never received verified documentation proving that this account was opened, authorized, or lawfully accessed under federal law.\n\nUnder FCRAXX/XX/XXXX, once a consumer submits a dispute, the credit bureau is required toXX/XX/XXXXNotify the furnisher (XX/XX/XXXX of the dispute,\XX/XX/XXXX Conduct a reasonable investigation, andXX/XX/XXXXDelete or correct any information found to be inaccurate, unverifiable, or incomplete.XX/XX/XXXXAdditionally, the Fair Debt Collection Practices Act (15 U.S. CXX/XX/XXXXe XX/XX/XXXX) prohibits continued communication or collection attempts after a cease and desist has been issued to the furnisher.\n\nTherefore, I am requesting that your bureau conduct a full reinvestigation of this account and provide me with written confirmation of one of the following within XX/XX/XXXXdays of receiving this letter:\n\nVerified proof and documentation from the furnisher showing that this account is accurate, authorized, and lawfully reported, or\n\nImmediate deletion of the account from my credit report if verification cannot be substantiated.\n\n\nPlease provide me with the results of your investigation and a copy of all documentation used to verify this account.\n\nFailure to comply with the FCRA requirements may result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals Office for violations of consumer protection laws.'

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 2025-10-12 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: GA

Complaint narrative:
Subject : Formal Dispute and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Re : FCRA 1681b, 1681s-2 ( b ), and FDCPA 1692c ( c ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the accuracy and legality of an account reported under my name and credit file : Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX Type : Revolving Credit Status : charge off I have reason to believe this account is being reported without proper authorization or a lawful permissible purpose as required by 15 U.S. Code 1681b. I have not been provided with documentation verifying that Bank of America obtained or furnished my consumer information in compliance with this statute. 

Under FCRA 1681s-2 ( b ), upon receipt of a consumer dispute, the credit reporting agency is required to : 1. Notify the furnisher of the dispute ; 2. Conduct a reasonable investigation ; and 3. Delete or correct any information that can not be verified as accurate and complete. 



In addition, a cease-and-desist notice has been issued to the furnisher under 15 U.S. Code 1692c ( c ) of the FDCPA, which prohibits further communication or collection attempts except as required by law. 

Accordingly, I am requesting that your bureau conduct a full reinvestigation of this XXXX XXXX XXXXXXXX account and provide written confirmation of one of the following within 30 days of receipt of this letter : Verified documentation proving the accounts accuracy, authorization, and lawful reporting, or Immediate deletion of the account from my credit report if such verification can not be substantiated. 


Please send me the results of your investigation along with copies of all materials used to verify this account. 

If this information is not verified as required under the FCRA, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal consumer protection laws.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttn: Compliance DepartmentXXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute and Cease & Desist Notice  Account XXXX XXXX XXXXRe: Violation of FCRA 1681b and 1681s-2(b)\n\nTo Whom It May Concern,\n\nThis letter serves as a formal dispute and cease-and-desist notice regarding the reporting and continued verification of the above-referenced Discover Card account on my credit report.\n\nUnder 15 U.S. Code 1681b, you are prohibited from obtaining or using my consumer report without a permissible purpose. I have reason to believe that my personal information and credit data are being accessed, furnished, or reported without proper authorization or a valid permissible purpose, which constitutes a direct violation of this statute.\n\nAdditionally, pursuant to FCRA 1681s-2(b), once a consumer disputes the accuracy or completeness of any information you have furnished to the credit reporting agencies, you are legally obligated to:\n\n1. Conduct a reasonable investigation regarding the disputed information,\n\n\n2. Review all relevant information provided by the consumer reporting agency, and\n\n\n3. Correct, delete, or block any information found to be inaccurate or unverifiable.\n\n\n\nTo date, I have not received sufficient evidence that this account and its reporting are being lawfully maintained or verified with accuracy. Therefore, I am demanding the immediate cessation of all reporting, sharing, and collection activity related to this account until full validation and lawful purpose can be established.\n\nPlease provide within 30 days of receipt of this letter:\n\nDocumentation validating my written authorization or contract granting Discover Bank permissible purpose under 1681b; and\n\nComplete verification records showing compliance with 1681s-2(b) obligations.\n\n\nIf you are unable to provide the above documentation, you must immediately delete and remove all references to this account from any consumer reporting agencies and cease further communication or collection activity in accordance with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) where applicable.\n\nFailure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals Office for violations of federal consumer protection laws.\n\nSincerely,\XXXX XXXX XXXXLast 4 of SSN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to XXXX  press my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Re : Request for Deletion/Correction of Personal Identifiable Information This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Pursuant to my rights under the FCRA and Metro 2 reporting standards, I am requesting the immediate deletion of all inaccurate and unverifiable personal identifiers currently listed in my consumer credit file.

According to 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. Additionally, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. 
I demand that you retain ONLY the following correct identifiers on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX All other data must be deleted immediately, including but not limited to : Outdated or prior addresses ( I can not receive mail or correspondence at those addresses ) All phone numbers ( which are irrelevant to creditworthiness and not required under Metro 2 standards ) All employer information ( employment history is not required under Metro 2 guidelines and violates my right to privacy if retained unnecessarily ) Any other personal identifiers not listed above Furthermore, displaying my SSN and Date of Birth within my credit file creates an undue risk of identity theft. Pursuant to 15 U.S.C. 1681c ( a ) ( 1 ) and Metro 2 compliance standards, you must safeguard my private information and ensure only permissible identifiers remain. 
Failure to comply with these requirements will place you in direct violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Obligation to reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to promptly delete inaccurate, unverifiable, or incomplete information 15 U.S.C. 1681b Restrictions on permissible purposes for disclosure of consumer information 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance Be advised that I am a federally protected consumer, and I am asserting my rights under the law. If you fail to update and delete the disputed personal information within the required 30-day time frame per 15 U.S.C. 1681i ( a ) ( 1 ), I will have no choice but to pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and State Attorney General, as well as seeking civil remedies for damages.

Please provide written confirmation once the deletions and updates have been completed. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
Date : XX/XX/XXXX Re : Request for Deletion/Correction of Personal Identifiable Information This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Pursuant to my rights under the FCRA and Metro 2 reporting standards, I am requesting the immediate deletion of all inaccurate and unverifiable personal identifiers currently listed in my consumer credit file.

According to 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. Additionally, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. 
I demand that you retain ONLY the following correct identifiers on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX All other data must be deleted immediately, including but not limited to : Outdated or prior addresses ( I can not receive mail or correspondence at those addresses ) All phone numbers ( which are irrelevant to creditworthiness and not required under Metro 2 standards ) All employer information ( employment history is not required under Metro 2 guidelines and violates my right to privacy if retained unnecessarily ) Any other personal identifiers not listed above Furthermore, displaying my SSN and Date of Birth within my credit file creates an undue risk of identity theft. Pursuant to 15 U.S.C. 1681c ( a ) ( 1 ) and Metro 2 compliance standards, you must safeguard my private information and ensure only permissible identifiers remain. 
Failure to comply with these requirements will place you in direct violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Obligation to reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to promptly delete inaccurate, unverifiable, or incomplete information 15 U.S.C. 1681b Restrictions on permissible purposes for disclosure of consumer information 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance Be advised that I am a federally protected consumer, and I am asserting my rights under the law. If you fail to update and delete the disputed personal information within the required 30-day time frame per 15 U.S.C. 1681i ( a ) ( 1 ), I will have no choice but to pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and State Attorney General, as well as seeking civil remedies for damages.

Please provide written confirmation once the deletions and updates have been completed. 
Respectfully, 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 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC
State: MO

Complaint narrative:
I bought a XXXX XXXX XXXX from Carvana and the car malfunctioned during the 7 day trial I had and when I called them they said that they would get the car on the next business day which they did not so I called again and they had informed me the customer care employee I spoke with does not work there with them and I never called in. This was in XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Credit Card XXXX XXXX opened by chase in branch, they closed my account out of blue due to suspected identity theft even though I provided them my ID AND SSN they requested to avoid permanent closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: WA

Complaint narrative:
I am requesting a complete manual reinvestigation of all tradelines on my credit file to verify that each furnisher and credit bureau has accurately reported the Date of First Delinquency ( DOFD ) in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ).

Some accounts appear to have inconsistent or missing DOFD information, or may have been refreshed or re-aged beyond the lawful seven-year reporting period outlined in FCRA 605 ( a ) ( 4 ). These discrepancies can cause negative items to remain longer than permitted or appear newer than they are.

I have not been provided documentation verifying the original DOFD for these tradelines. I am asking the CFPB to ensure that all credit bureaus ( TransUnion, Experian, and Equifax ) and data furnishers conduct a manual verification and cross-check of their records to confirm that each bureau is reporting identical, accurate DOFD data across my 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 2025-10-12 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The XXXX XXXX account being reported on my credit file contains multiple inaccuracies and duplicate reporting. The account was charged off and sold or transferred, yet XXXX XXXX continues to report a balance of {$470.00} as if it were still active. At the same time, Midland Credit Management is also reporting the same debt separately as a collection. 

This results in double reporting of the same obligation, conflicting payment histories, and an ongoing charge-off status being updated monthly which is misleading and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

I have previously requested validation and documentation under FCRA 609 and 623, including proof of ownership, original contract, and a complete payment record, but no supporting documents were provided.

These inaccurate updates continue to negatively impact my credit score and creditworthiness despite the account being closed, settled, or transferred. I am requesting that the reporting be corrected or removed entirely due to unverifiable and inconsistent data being furnished to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft I was robbed and my purse with my drivers license and social was stolen and used for things I did not apply for for the past years.

Company response to consumer: Closed with explanation