vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-02 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I am writing to formally dispute the accuracy of certain information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ). This section prohibits consumer reporting agencies from including information that is inaccurate, obsolete, or can not be verified.

The following accounts associated with the Department of Education are currently being reported and are in dispute : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX I request that you remove all items due to lack of proof of verification, and failure to remove inaccuracies from my credit report.

Please delete and block these items within the 4 business day period allowed under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Per USC 1681g, I request their removal within 15 days. Attached are supporting documents. Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them.

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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Case # XXXX Company filed false date of original creditor. Original date was XX/XX/XXXX. 
Charged off by original creditor, XXXX XXXX 
Collection agency claimed they " could not find me '' until XXXX, however, I have always out a legal change of address when relocating with Post Office.

First contact from collection agency was actually 11 years after original date, not 9 years as they stated. 
This company attached my wages beginning XX/XX/XXXX. See attachments. 
This debt was paid in full on XX/XX/XXXX thru wage garnishment. 
I have mailed copies of these paystubs to this company but was completely ignored. I have emailed copies of these paystubs to them and still have not been acknowledged by them. 
Even after I sent them proof of payments they went ahead with an " order to extend judgement '' for another 10 years. 
My family members have been harassed and the latest voicemail that I received threatened to come to my place of employment. 
Sending attachments for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT GA XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( United States Bankruptcy Court ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>2025 I deposited my brothers check in the amount of {$1000.00} into my bank account. Chase did not release it due to name not matching my own name. My brother and I walked into the Chase branch and my brother provided two forms of ID, License and passport, and was denied the funds because they only want to verify by phone number. The phone number has to match his name and his phone is not listed under my brothers name. I have called and walked in to the branch multiple times with my brother. This last time the branch associate called himself to customer service to let them know my brother was in the branch in person with his two forms of ID and still the funds were not released because they only verity with phone number. 1. Chase allows you to deposit other checks that are not in your name into your banking account and 2. My brother provided his two valid forms of ID. 3. Chase closed my account as I am trying to sort this out and I was never given a warning. This is very infuriating and frustrating my brother even went to go get a to get a new phone line to make sure the name of the Check deposited in XXXX and the name on the new cell phone statement matched exactly and still Chase told us that the number cant be verified. I have been dealing with this issue since XXXX. My confusion with this issue is how Chase can accept a phone number verification to release funds but will deny when a person in front of you has two forms of ID confirming who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, an Ohio-based repossession company, for conducting an unlawful and abusive repossession of my vehicle.


The company entered my private driveway without consent and physically moved personal belongings in order to access the vehicle. Their actions were captured on security camera footage. This conduct constitutes trespassing and a breach of the peace, both of which are prohibited in lawful repossession activities. They also refused to return my personal belongings from inside the vehicle on the same day. I was required to wait and schedule a separate appointment to retrieve them, which is unreasonable and interfered with my access to essential items.

Additionally, XXXX XXXX XXXX is listed as Not Authorized by the Federal Motor Carrier Safety Administration ( FMCSA ) under DOT # XXXX and XXXX # XXXX. This raises serious concerns

about their legal right to conduct repossession and transport services. This type of conduct is not only unethical it may also violate the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. My situation is supported by multiple federal court cases where repossession agents were found to have violated constitutional and civil rights under similar conditions : Marcus v. McCollum, 394 F.3d 813 ( 10th Cir. 2004 ) : Found a constitutional violation when repossession involved trespass and private property interference. Fuentes v. Shevin, 407 U.S. 67 ( 1972 ) : Affirmed due process protections in property seizure and repossession disputes. Thomas v. Cohen, 304 F.3d 563 ( 6th Cir. 2002 ) : Ruled against improper seizure of property without a court order or due process. Requested resolution : Investigate
XXXX XXXX XXXX conduct and federal licensing status Determine whether they violated federal consumer protections Ensure my personal items are returned immediately Prevent further illegal repossession actions from this company Thank you for your attention to this complaint. 

My loan company is : American credit acceptance. They hired XXXX XXXX XXXX, who then hired XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-06-02 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:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date : XX/XX/XXXX 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 2025-06-02 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: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent several messages and emails and documents and requested for a removal of information that I provided or paid. They say it validates by the creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
On or around XX/XX/XXXX a letter was sent to me from Lloyd and McDaniel , PLC ( out of XXXX, KY ) a debt collection agency. I received this letter the week of XX/XX/XXXX. In the letter it stated they were trying to collect a debt on behalf of XXXX XXXX, XXXX. The letter also noted how to dispute the debt. It gave a notice of XX/XX/XXXX which I would need to write them by in order to do so. I then promptly wrote a debt validation request letter and sent it on XXXX XXXX. I sent the letter via certified mail, return receipt requested to the XXXX XXXX specified address on the letter. I received the return receipt in the mail and it was signed. The letter per the tracking number USPS certified XXXX ( attached ) was received XXXX XXXX. Today XXXX, XXXX I received another letter from Lloyd and McDaniel, PLC ( it is dated XX/XX/XXXX and mailed on XX/XX/XXXX ) with a threat of lawsuit and also in the letter stating that they have been " unable to reach an agreement with me to pay my account balance '' - their words ( letter is attached with date stamped envelope ). I had not ever heard from them prior to the XX/XX/XXXX letter nor had I ever spoken to them via phone. the letter also outlined a negotiated amount XXXX XXXX would accept should I respond now by XX/XX/XXXX to their offer. I wrote as supposed to dispute and request a debt validation of said alleged debt and -- ( letter attached as well ). Again I promptly mailed out the debt validation letter, they received it. This is a violation of my rights under FDCPA and this company and their illegal practices needs to be investigated. I will be mailing out my SAME LETER again to their main address and not the XXXX XXXX promptly. I will also be emailing this information to them as well. HOWEVER they are in violation of FDCPA. Please respond in kind as soon as possible once investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 2025-06-02 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: IA

Complaint narrative:
SEE ATTACHED FACTUAL DISPUTE WITH XXXX nconsistent Balance & High Balance Reporting The high balance and activity dates differ across the credit bureaus, which violates the requirement under FCRA 1681s-2 ( a ) ( 1 ) ( A ) that all reported information be accurate and consistent. 

This undermines the reliability of the data furnished and falsely inflates my risk profile.

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