vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
When MCM contacted me, their agent proceeded to use duress and scare tactics threatening wage garnishment, bank levies, and lawsuits if I did not set up a payment arrangements with them. I was unaware that I had the right to have the debt validated and they never provided that to me. I had no contract with MCM. They led me to believe I would have a judgement against me and I believed this meant I would be arrested for which their agent did not correct me during our interaction, I set up a payment arrangement that I could not afford during the pandemic. Ultimately, I was moved to a reduced position at work and could no longer afford the payments. I then learned that South Carolina has a XXXX year statute on debt collection that the original debt had exceeded and that MCM had taken advantage of me using fear tactics. Now the dates show the XXXX accounts were opened on XX/XX/year> which is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITI BANK has violated my consumer rights. 
15 U.S.C. 1666b Timing of Payments 15 U.S.C. 1681s2 ( 7 ) Notificacin de Informacin Negativa Cuenta # 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently tried to get a House loan so the loan officer checked my credit score and someone opened a credit card with XXXX with my social security number back in 2023, with a XXXX XXXX  and they took around XXXX XXXX out before the credit card company closed the account 2 months later. Im trying to take it off my account because it is not mine and it is hurting my credit when Im trying to get a house loan.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol one calling me 5x today and 4 times yesterday. They have called more than 7x within a week. Everyday they call from new numbers and harass me. I am feeling scared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-15 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-15 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Issue : Improper withdrawal and refusal to accept a Regulation XXXX dispute Chime ( California resident ). 

Chime removed funds from my account earlier today ( XX/XX/year> ) to collect on a cash-advance debt dating back to XXXX. I did not authorize this new debit, and there was no prior notice or disclosure that funds could be taken months later from unrelated deposits. 

When I called Chime support, the supervisor refused to accept my Regulation XXXX dispute, stated that this is not disputable, and refused to document that I was requesting to file a formal dispute. She then hung up on me. 

I am unhoused and the withdrawal took my last available money, causing severe financial hardship. The XXXX amounts taken from my account today were : XXXX. Mypay instant advance fee 's : - {$12.00} XXXX. Mypay repayment : {$61.00} I am requesting : A full investigation Written explanation of why my dispute was denied Reversal or reimbursement of the improper debit Compliance review of Chime refusing to take a Reg XXXX dispute from a consumer. 

I live in California, and Chimes refusal to allow a dispute or provide documentation violates federal XXXX XXXX and California consumer-protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I received a collection notice from a debt collector regarding an alleged debt. I disputed the debt in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The collector has not provided any of the required documentation to validate the debt, including proof of the original creditor, itemized accounting, or evidence that they have legal authority to collect the debt.

Despite failing to validate the debt, they continue collection efforts and/or continue reporting the account to the credit bureaus. Reporting or collecting on a disputed and unvalidated debt violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am filing this complaint because the company has not complied with federal law and has not validated the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX on XXXX under account number XXXX with a balance of {$750.00}. This account has resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from my Equifax credit report and that all collection activity related to this item cease pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing.

Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Square , Inc is closing my account, which is fine. However, in the process of doing so, and without reason, on XX/XX/year>, they withdrew {$1500.00} from my personal checking account at XXXX XXXX XXXXXXXX. They are completely unreachable by phone and will only text back and forth with me. But when I press them on getting the funds back, they disconnect me. I just want my funds back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I dispute the Portfolio Recovery Associates account reported on my credit file because : This account is not mine, and I was never aware of it. 

The information is inaccurate, unverifiable, incomplete, and/or outdated. 

The Date of First Delinquency ( DOFD ) is incorrect or manipulated, violating FCRA 623 ( a ) ( 5 ) ( illegal re-aging ).

The account may be reported beyond the XXXX limit, violating FCRA 605 ( a ). 

The credit bureau and XXXX failed to provide original-source verification upon dispute, violating FCRA 611 ( a ) and FCRA 607 ( b ) ( duty of maximum accuracy ). 

XXXX failed to properly validate the debt as required under FDCPA 807, 809, including failure to send validation notices and continuing reporting without proof.

Reporting a debt that is not mine without verification violates FCRA 602 ( a ) ( right to fair and accurate reporting ). 

XXXX also violated FCRA 623 ( b ) by failing to investigate and correct disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I dont recognize these accounts on my credit report is seriuosly hurting my ability to obtain credit, please remove it from my credit report. Thank you

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 2025-11-15 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: CA

Complaint narrative:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute.

It has also been noted that TransUnion has previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. 

The specific account I am disputing is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$550.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2600.00}.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following INQUIRY FROM THIS COMPANY : XXXX XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRY : XXXX XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive contacted you guys several times with police reports, affidavits notarized and through the credit bureaus. You failed to supply me with ALL or XXXX even any of the information needed to prove my accounts were looked into let alone the standards to NOT or to classify things as fraud. You guys even sent me letters stating my accounts were closed and I have proof which I sent of my credits and the closures I sent proof of my addresses and emails I asked for Ip address and you guys just keep sending me one thingbank statements which just proves money was used not who used it who opened the account etc. youre being hypocritical how can you collect and its a business account in some cases but still say I dont owe?? You are single handedly ruining my credit I cant get the home Im ready for and its been a year of going back and no forth from you guys. The federal law mandates standards I want to know each and everyone you guys have to keep and I want to see if you checked off every box to not have deleted the account including the fact that not all 3 agencies even have the same XXXX information which proves something is wrong dates, payments made or missed, even addresses dont add up. Ive waited over the 90 days and XXXX fixes which is grounds for an automatic deletion unfortunately due to new law its almost impossible to get the 3 credit agencies on the line or to open complaints but you guys arent government ran so whats the issue??? You got the accounts as written off which means you collected either by tax credits or selling to 3rd parties or both so remove them please. Attached is the same policy report I sent years ago when this happened before I AM A VICTIM OF FRAUD THIS IS AN ONGOING ISSUE!! I gave the police departments number and everything else needed to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
This legitimate complaint demands immediate attention. My credit report includes inaccurate information that violates the standard of maximum accuracy. These errors are causing severe, ongoing harm to my life. I insist on a thorough investigation and the prompt correction or removal of all inaccuracies. Resolution is not just necessaryit 's critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
Unauthorized accounts are fraudulently listed under my name without my knowledge or consent I have never authorized or managed them. This is intolerable, as it distorts my financial history with false information. I prioritize my credit profile, and these entries have caused severe distress. I require immediate explanation of their origin and the responsible parties.

Company response to consumer: Closed with explanation