vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am writing to formally dispute an account on my credit report that contains material inaccuracies and was also mishandled by XXXX XXXX in violation of my consumer rights under federal law. 

The account in question is : XXXX Name : XXXX XXXX XXXX Account XXXX : Inaccuracy in Reporting : This account shows XXXX different Date Closed entries across the major credit bureaus : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This inconsistency is a direct violation of : XXXX U.S.C. XXXX ( b ) requiring credit reporting agencies to ensure the maximum possible accuracy of consumer information. 
XXXX XXXX. XXXX ( a ) granting me the right to dispute incomplete or inaccurate information and require a formal reinvestigation. 

XXXX XXXX XXXX & XXXX XXXX : Furthermore, this account and my personal information were forwarded from the original creditor to a debt collection agency, which then referred the matter to an attorney who attempted to initiate legal action. However, I was improperly served in this case, violating my right to proper legal notice and due process. 

I also raise concern under : XXXX XXXX. XXXX ( f ) which prohibits unauthorized or improper use of consumer information. 
Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ) which limits how and with whom a debt collector can share personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
my name is XXXX XXXX XXXX, check signor of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I wrote and signed XXXX checks to my client XXXX XXXX XXXX XXXX, on XX/XX/year>, check number XXXX ( XXXX  XXXX XXXX ), {$18000.00} and check number XXXX ( XXXX XXXX ) {$12000.00}.. 

Chase bank debited and cashed the checks and never released to the payee and asked them to verify the signor with his phone number. 

I have phones with family plans, and also when I opened the bank accounts I provided the number, no idea why XXXX can't verify me as the signors, if so I would demand those funds to mail or ACH back to my accounts. 

enclosed are checks and statements, and I have also filed a claim and expressed mail to Chase bank in XXXX XXXX TX..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/year>, formal dispute letters were mailed via First-Class Mail to all three nationwide consumer reporting agencies : Experian, Equifax, and TransUnion. These disputes specifically addressed multiple accounts containing inaccurate, incomplete, or unverifiable information and highlighted incorrect Metro 2 formatting and reporting.

Accurate and complete reporting, as mandated by federal and state law, is essential. I urged the agencies to ensure factual, lawful claims and provide verifiable evidence for the existence and usage of the disputed accounts.

The disputes challenged the accuracy and validity of these accounts or tradelines under the Fair Credit Reporting Act ( FCRA ), demanding proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The agencies were further obligated under 1681i ( a ) ( 6 ) ( A ) to provide me with written results of their reinvestigations, and under 1681e ( b ) to ensure the maximum possible accuracy of the information being reported.

As of todays date, over 30 days have elapsed since the bureaus received the disputes. Only one collection account has been deleted. The remaining disputed accounts continue to appear on my credit reports, and I have received no written results of reinvestigation as required by federal law. This absence of a timely response and the continued reporting of disputed information constitutes non-compliance with FCRA obligations.

Unsupported derogatory remarks, including claims of delinquency, can not remain on my credit profile without documented, verifiable proof of their accuracy and permissible purpose. At this point, the bureaus are in violation of their statutory duties, and I am formally seeking the CFPBs assistance in enforcing compliance and holding these agencies accountable for their failure to follow lawful procedures.

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 2025-07-29 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a loan account currently listed on my credit report. The account in question does not belong to me, and I am requesting that it be immediately investigated and permanently removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account is fraudulent or inaccurately attributed to me. I have never applied for, opened, or authorized this loan, and it is not my responsibility. I have already contacted the creditor directly to dispute this account, and I have enclosed documented proof that I reported the issue and provided supporting evidence to them.

Under the FCRA [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation upon receiving notice of a dispute regarding the accuracy or completeness of any item of information. You are required by law to : Complete your investigation within 30 days of receiving this dispute ; Delete or correct any information found to be inaccurate, incomplete, or unverifiable ; Provide me with written results of your investigation.

Further, under FCRA [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Since I have already informed the creditor and provided documentation, continued reporting of this account constitutes a willful violation of this law.

If a debt collector is involved in this matter, I also invoke my rights under the FDCPA [ 15 U.S.C. 1692e ], which prohibits false, deceptive, or misleading representations, including the reporting of debts not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-29 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and the following credit inquiries, accounts, and addresses are not mine, and was unauthorized by me, they are all fraudulent activities. 

Addresses : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00}

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 explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXXXX/XX/year>

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 2025-07-29 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Progressive insurance issued me a XXXX $ refund that I paid through cashapp on XX/XX/year>. I request the ACH from there accounting department to seen to cashapp since they didnt see the transfer. I provided cashapp the ACH number for the refund, it's been a month cant get my refund from cashapp. I've called multiple times and emailed no one has told me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Chime Financial Inc
State: CO

Complaint narrative:
Chime/XXXX  XXXX XXXX  account showed up on my credit report. 
the date opened XX/XX/year>. I never applied for this account. 
Also they reported a different address that is not mine. 

I called Chime and they could not find my account or that is was reported on my credit report. However it does show on my XXXX  and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am filing a complaint regarding two fraudulent accounts appearing on my consumer report through Early Warning Services. These accounts were not opened or authorized by me and are the result of identity theft : XXXX  XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX I did not apply for, authorize, or use either of these accounts. I have submitted an FTC Identity Theft Report and supporting documentation directly to Early Warning Services, in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. This law clearly requires consumer reporting agencies to block all fraudulent information from a consumer report within four ( 4 ) business days of receiving proper identification and proof of identity theft.

Despite taking the proper steps, these accounts remain on my file and are negatively impacting me. I am requesting that the CFPB investigate and ensure Early Warning Services and any associated furnishers ( XXXX XXXX XXXXXXXX and XXXX XXXX  ) comply with the FCRA by removing these accounts from my report immediately. 

Please confirm that this information is being properly investigated and corrected in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I received notification from the XXXX XXXX, that they had an insurance check for me. 
It turns out, the check was from a XXXX XXXX XXXX that was paid off as a complete loss by XXXX, in XXXX. XXXX provided me the VIN ( XXXX ). 
I called XXXX, and talked to a XXXX at XXXX on XX/XX/XXXX, whom asked me to email him the forms which I did to XXXX. 
The claim form was for a total of {$160.00}. 
I emailed XXXX last week with no response. 
I can not receive these funds without the release from XXXX, as XXXX has the check made out to XXXX, and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-29 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate and unverifiable information being reported on my credit reports by LVNV Funding LLC / Acct # XXXX. The account listed is causing significant harm to my creditworthiness and I have already initiated disputes with the credit bureaus ( XXXX XXXX XXXX XXXX ). 
Despite following the appropriate dispute process, this company has failed to provide proper verification, such as a copy of the original contract or documentation showing I owe this debt. In some cases, no original creditor has been named. These reporting practices are in direct violation of the Fair Credit Reporting Act ( FCRA ).

Violations include : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to properly reinvestigate and verify disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Unverifiable data must be removed.

15 U.S.C. 1681s-2 ( b ) : Furnisher 's failure to conduct a reasonable investigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation