vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-19 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as
soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 non-monetary relief
Consumer complaint received 2025-06-19 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: Chime Financial Inc
State: IL

Complaint narrative:
Someone fraudulently hacked my account! They were able to get my username and password, change the phone number, and password in my account and then steal my money. CHIME NEVER attempted to contact me or stop them from getting my money. They never tried to stop them from changing my phone number or name or username in my account!! The account NEVER notified me that someone was signing in from a different location!!! How can CHIMES SECURITY be so lax that it allows someone to do all that without verifying identity first!???? 
- {$500.00} was taken in form of a direct debit sent to a XXXX on XX/XX/XXXX. 
- {$96.00} was sent to a XXXX XXXX XXXX XXXXXX/XX/XXXX - {$97.00} was sent to a XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$89.00} was sent to a XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$80.00} was spent on something named XXXX on XX/XX/XXXX. 
Ive never done an instant transfer from my card before, used XXXX XXXX or XXXX. you can clearly tell someone got into my account changed the phone number, & password, then took my money. Chime denied my dispute, I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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  has violated my rights. 

EQUIFAX 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 XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : This letter constitutes a formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), demanding that Collection Bureau of the Hudson Valley , Inc. ( CBHV ) immediately cease and desist all forms of communication with me concerning the above-referenced alleged debt. 

This includes, but is not limited to, calls, voicemails, text messages, emails, mailed correspondence, or contact through third parties. Any attempt to contact me other than as permitted by law will be regarded as a willful violation of federal consumer protection laws. 

Legal Basis for This Demand 15 U.S.C. 1692c ( c ) Once a consumer notifies a debt collector in writing to cease communication, the collector must stop all contact except to confirm termination or notify of specific legal action. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that attorneys and debt collectors are both bound by FDCPA restrictions in all collection efforts. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Clarified that debt collectors are strictly liable for violations ; lack of intent or knowledge is no defense. 


XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Reiterated the least sophisticated consumer standard, meaning collectors must ensure that their actions are not misleading, deceptive, or coercive. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX XXXXXXXX ) Voicemail messages that pressure consumers or violate cease-and-desist demands may trigger FDCPA liability. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Found that failure to comply with a written cease-and-desist demand is grounds for damages under the FDCPA. 



Notice of Legal Action Should Collection Bureau of the Hudson Valley , Inc. continue to contact me after the receipt of this letter except for the limited reasons provided by law you will be in violation of the FDCPA. I will not hesitate to seek statutory damages of up to {$1000.00} per violation, as well as actual damages, attorney fees, and court costs pursuant to 15 U.S.C. 1692k. 

Please provide written confirmation within 15 days that all communication has ceased and that you will honor this request going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company XXXX. There is a clear inconsistency in how the account is reported across the three major credit bureaus regarding the 'last payment date '. The dates listed on XXXX, TransUnion, and XXXX  are all different for this same account, which indicates inaccurate or unverifiable reporting. 
Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me.

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 2025-06-19 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:
Let me be extremely clear : this inaccurate reporting is damaging my credit score and, by extension, limiting my ability to move forward with time-sensitive matters like securing housing, obtaining better financial terms, and preserving my financial reputation. These consequences are tangible and harmful. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to formally dispute the information mentioned above and request that you investigate it thoroughly. This is not a passive requestI expect this investigation to be completed within the legally mandated timeframe ( typically 30 days ), and that I receive written confirmation of the results, along with an updated version of my credit report reflecting the correction ( s ).

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 2025-06-19 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: CO

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX  XXXX  awards ( e.g., Miller v. Equifax {$18.00} M ; Thomas v. TransUnion {$5.00} M ). 
- CFPB enforcement actions support similar resultsmost recently, a {$15.00} M settlement following procedural failures. 
XXXX - XXXX XXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: FL

Complaint narrative:
Debt Dispute : PRINCE PARKER AND ASSOCIATES - No Agreement Ever Made I am writing to dispute a debt appearing on my credit report from PRINCE PARKER AND ASSOCIATES. I want to be absolutely clear : I have never entered into any agreement, contract, or financial arrangement with PRINCE PARKER AND ASSOCIATES, nor have I ever authorized them to collect any debt on my behalf. 

Upon discovering this item on my credit report, I requested validation of the alleged debt, specifically asking for the original contract or agreement bearing my signature. To date, PRINCE PARKER AND ASSOCIATES has not provided any such documentation to substantiate their claim, which further supports my assertion that no agreement ever existed between us. 

This unsubstantiated debt remains on my credit report, negatively impacting my financial standing. Since I have no contract or agreement with PRINCE PARKER AND ASSOCIATES, I am not liable for this alleged debt, and I demand that they immediately remove this item from my credit report.

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 2025-06-19 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: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
This account has violated my rights. 

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-06-19 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: CA

Complaint narrative:
I am a victim of identity theft. I submitted a formal FTC Identity Theft Report ( FTC Report # XXXX ) and a XXXX XXXX Police Incident Report ( Report # XXXX ) regarding fraudulent charges to my XXXX XXXX XXXX XXXX totaling over {$6300.00}. 

I reported this to Experian under the Fair and Accurate Credit Transactions Act ( FACTA ) 605B, requesting that they block the fraudulent account information from my credit report. Despite providing all legally required documentation, Experian has failed to remove or block this account. 

I am requesting the Consumer Financial Protection Bureaus assistance in compelling Experian to comply with federal law and immediately block the fraudulent data as required under FACTA and the FCRA. 

Attached are both the FTC and police reports for verification.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern : This is a formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that I demand Spring Oaks Capital , LLC immediately cease and desist all communication with me regarding the above-referenced alleged debt. 

This includes calls, letters, voicemails, emails, text messages, and all third-party communications. Any further attempt to contact me outside of the narrow exceptions allowed by law will be considered a willful violation of the FDCPA. 

Legal Authority and Supporting Case Law 15 U.S.C. 1692c ( c ) A debt collector must cease all communication with a consumer once a written cease-and-desist demand is received, except to notify the consumer of termination of collection or intent to invoke a specific legal remedy. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court confirmed that even attorneys collecting debts are subject to the FDCPA. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that debt collectors are strictly liable under the FDCPA and that a lack of knowledge or intent does not excuse violations. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Clarified that all collection actions are evaluated under the least sophisticated consumer standard, which prohibits misleading, coercive, or deceptive practices. 


XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Held that even voicemails left after a cease and desist request can violate the FDCPA if they attempt to collect the debt. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Found that failure to comply with a written cease-and-desist demand subjects the collector to liability for statutory and actual damages. 



Notice of Legal Liability If Spring Oaks Capital , LLC continues to contact me after the receipt of this noticeexcept as permitted by lawit will constitute a violation of federal law, and I will pursue all remedies available, including : Statutory damages up to {$1000.00} per violation, Actual damages, Attorneys fees and costs, under 15 U.S.C. 1692k.

Please confirm in writing within 15 calendar days of receiving this letter that all communication has ceased and that you will comply with this request going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
Let me be extremely clear : this inaccurate reporting is damaging my credit score and, by extension, limiting my ability to move forward with time-sensitive matters like securing housing, obtaining better financial terms, and preserving my financial reputation. These consequences are tangible and harmful. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to formally dispute the information mentioned above and request that you investigate it thoroughly. This is not a passive requestI expect this investigation to be completed within the legally mandated timeframe ( typically 30 days ), and that I receive written confirmation of the results, along with an updated version of my credit report reflecting the correction ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to demand the immediate removal of several unauthorized credit inquiries that have been fraudulently made under my name. These are not just minor reporting errorsthey are the result of identity theft, and their presence on my credit report is both unjust and unlawful. 

These inquiries are not tied to any legitimate application or transaction Ive initiated, and I have strong reason to believe they stem from fraudulent activity involving my personal information.

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