vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: KY

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XX/XX/XXXX - {$1300.00} XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX  XXXX - XX/XX/XXXX - {$1800.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX  XXXX XXXX XX/XX/XXXX - {$16000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$7100.00} XXXX - XX/XX/XXXX - {$2100.00} XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$7200.00} XXXX - XX/XX/XXXX - {$2200.00} XXXX  XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX  - XX/XX/XXXX - {$7700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$11000.00} XXXX  - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX  - XX/XX/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 2025-11-07 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: TX

Complaint narrative:
I am writing to formally contest the referenced accounts. They do not belong to me, were never authorized, and appear fraudulent. Please investigate and delete them. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Last XXXX of XXXX : XXXX I am filing this complaint under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ) due to Midland Credit Managements unlawful reporting and collection of a debt allegedly associated with XXXX XXXX XXXX XXXX XXXX  XXXX 

Midland Credit Management has willfully failed to comply with FDCPA 809 ( a ) by not providing any written validation notice or proof of debt within five ( 5 ) days of alleged initial contact. I have never received any contract, billing statement, or original documentation proving this debt is valid or belongs to me. 

This continued reporting and furnishing of unverifiable information is a direct violation of FCRA 605B ( failure to block identity theftrelated information ) and FCRA 623 ( a ) ( 6 ) ( duty to correct and delete inaccurate or fraudulent data ).

I am a verified victim of identity theft. This has already been reported to the credit bureaus, yet Midland continues to damage my file. I will be filing an official FTC Identity Theft Report once the government shutdown ceases and their systems reopen. 

The companys conduct is reckless, negligent, and malicious, causing measurable harm to my creditworthiness, housing eligibility, and employment prospects. Midland has no permissible purpose under 15 U.S.C. 1681b to continue reporting this unverifiable debt.

I demand immediate deletion of this tradeline from all credit bureaus and written confirmation of removal within three ( 3 ) business days. 

Failure to comply will result in escalation, including civil litigation for statutory and actual damages under 15 U.S.C. 1681n and 1692k.

For verification : My full legal name, and my current mailing and physical address ( same location ) are provided in the attached XXXX bill and drivers license for identity matching and verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized entity logged into my checking account at Regions Bank with an IP address ( XXXX  ) located in XXXX, Virginia. The Regions cooperate office called me on XX/XX/year>. Yelled at me and told me that it was my fault that my personal data was breached and that an entity was able to log in through their company website.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
Some time in XXXX or XXXX I was checking my credit report and noticed that IQ Data XXXX reported that I owe them {$15000.00}. Until this day, I have never heard of this company. I immediately called the phone number associated with this debt. No one answered, so i left a voicemail. After weeks of not hearing from anyone from IQ Data I decided to reach out to them via mail. On XX/XX/year> I sent a Debt Validation letter via certified mail to the address that is associated with the debt being reported on my credit report. After not receiving the requested documents, on XX/XX/year> I sent a Cease and Desist letter via Certified mail. As of today XXXX XXXX the debt is still being reported on my credit report and I have not received any information from IQ XXXX. I have enclosed receipts that both letters were received by IQ Data XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am disputing the following accounts with TransUnion, as they appear to be inaccurate or improperly reported. I request that these accounts be reviewed and corrected or removed in accordance with the FCRA. 

CHARGED OFF ACCOUNTS XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Status : Charged Off XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged Off INQUIRIES XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Summary of the Problem : I filed a dispute with Chime regarding XXXX unauthorized XXXX XXXX  transfers totaling {$11000.00} that were made without my knowledge or consent. My account number ends in XXXX, and the Claim ID is XXXX. 

I reported these unauthorized charges to Chime on XX/XX/year>, in full compliance with the requirements of Regulation E for unauthorized electronic fund transfers.

After submitting all requested information, I received a final determination notice from Chime stating that no error occurred and that the claim was closed without any explanation, transaction evidence, or documentation supporting that conclusion. 

Chimes letter did not include or offer access to the investigative materials they used to make this determination, and the decision appears to have been made without proper investigation. I have requested all documentation and evidence under Regulation E 1005.11, but as of now, I have not received it. 

I believe Chime failed to conduct a proper and good-faith investigation and wrongfully denied my refund. The disputed transactions were clearly unauthorized, and I did not benefit from any of the transfers. 

Requested Resolution : Full reversal and reimbursement of {$11000.00} in unauthorized transactions. 
Copies of all documentation, logs, and evidence used in the investigation. 
Confirmation that Chimes dispute process complies with federal Regulation E. 

Additional Details : Account ending in : XXXX Claim ID : XXXX Report date : XX/XX/year> Total number of unauthorized transactions : XXXX Total loss : {$11000.00} Chimes final response : No error occurred ( no supporting documentation provided ) Please assist in having this claim re-investigated and ensuring Chime provides all required records and refunds for the unauthorized transactions as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 am a consumer trying to fix my credit. Below are the details of the accounts I am disputing across the three major credit bureaus ( XXXX, Experian, XXXX XXXX ). I request an investigation into the inaccuracies, as detailed below. 

Charged Off : XXXX  : XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XXXX, XX/XX/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 XXXXXXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-11-07 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: AL

Complaint narrative:
I am disputing the following accounts with Experian, as they contain inaccuracies or incomplete reporting. I request a full investigation and removal of any unverifiable information as required by the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF ACCOUNTS XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged Off XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Status : Charged Off XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged Off INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/2025 XXXX I requested my {$400.00} refund from merchant via cash app because they are not the person I wanted to send the money to. I contacted cash app and they are unable to give me my money back in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions.

Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief