vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
ACCORDING TO MY MOST RECENT CREDIT REPORT, NUMEROUS ACCOUNTS ARE REPORTING ON MY CREDIT REPORT THAT ARE INACCURATE AND INCORRECT. THESE ACCOUNTS ARE REPORTED ACROSS ALL THREE OF MY BUREAU EQUIFAX, TRANSUION, AND EXPERIAN. ACCORDING TO THE FCRA, ALL INFORMATION REPORTED TO THE CREDIT REPORT MUST BE 100 PERCENT ACCURATE AND TRUE. IN THIS CASE, IT IS NOT. I HAVE UNDERLINED THE INACCURACIES ACROSS ALL THREE OF MY REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WHO WAS ABLE TO ACCESS ALL MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I WANT THESE INACCURACIES DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
ACCORDING TO MY MOST RECENT CREDIT REPORT, NUMEROUS ACCOUNTS ARE REPORTING ON MY CREDIT REPORT THAT ARE INACCURATE AND INCORRECT. THESE ACCOUNTS ARE REPORTED ACROSS ALL THREE OF MY BUREAU EQUIFAX, TRANSUION, AND EXPERIAN. ACCORDING TO THE FCRA, ALL INFORMATION REPORTED TO THE CREDIT REPORT MUST BE 100 PERCENT ACCURATE AND TRUE. IN THIS CASE, IT IS NOT. I HAVE UNDERLINED THE INACCURACIES ACROSS ALL THREE OF MY REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WHO WAS ABLE TO ACCESS ALL MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I WANT THESE INACCURACIES DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i've recently checked my credit report and noticed some inaccurate accounts reporting it,

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im writing to formally dispute the validity of a collection account appearing on my credit report. Pursuant to my rights under Fair Debt Collection Practices Act ( FDCP ), specifically 15U.S.C & 1692g, Iam requesting detailed validation of the debt in question.

Im exercising my rights under the FDCPA to request the following information : 1. Verification of proof of the alleged debt, including the original creditor name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

Im also, request that you provide me with copy of the agrement that authorizes the creditor to assign or sell the debt to collection agency. Furthermore, please provide verification that the statue of limitation on this debt has not expired.

I appreciate your attention to this dispute and your compliance with the FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To whom this may concern, I have recently pulled my credit report and noticed that there are collection listings from different agencies.

I have never been notified of these collections or that I owed the debt.

This letter is to inform you that I have the right to request validation of this debt to collect money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt, or stop collection activity and remove it altogether According to 15 USC 1692 ( C ) my rights were violated by unlawful communication Please remove this collection from my credit report Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2025-08-17 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: CA

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. 

XXXXXXXX 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 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 2025-08-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX Mortgage XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I asked company for original debt paperwork and verification and they sent 1 page saying debt was verified. They also called family members harassing them not associated with debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
MONTEREY COLLECTIONS ACCOUNT # XXXX XXXX XXXX XXXX XXXX This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX XXXX XXXX XXXXXXXX respectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Recently my credit score decreased significantly, declining over XXXX points. Previously to this I had some bad medical debts, about XXXX XXXX XXXX. These debts were removed which improved my credit score. In early XXXX my score declined again and the debts reappeared. I disputed the debts with XXXX  but the case was marked as closed and the debts remain. I dont understand why the debts were put back.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 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: V and H Portfolio
State: DE

Complaint narrative:
To Whom It May Concern, This letter is a formal request that XXXX XXXX immediately cease and desist all communication with me regarding an alleged debt in the amount of {$1600.00}, dated XX/XX/year>. 
This demand is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). Upon receipt of this letter, you are required by law to stop all further communication except to notify me that : You are terminating collection efforts ; You may invoke specific legal remedies ; or You intend to invoke specific legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
In 2023 an account was falsely with my information with cashapp. This is not me. 
BLOCK , INC . 
XXXX SQUARE , INC. 
XXXX XXXX XXXX CA XXXX Form 1099-K - $ XXXX BLOCK , INC . 
XXXX SQUARE , INC. 
XXXX XXXX XXXX CA XXXX XXXX SSN XXXX Form 1099-K - $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
I arrived at chase bank in XXXX IL to deposit cash as I had gotten paid ( {$900.00} ). The time was Friday XX/XX/year> XXXX XXXX. I inserted my cash into the machine, the machine gave me a receipt and displayed an error message saying it cant accept or deposit cash.

I went into the bank hoping to be helped, they told me theres nothing they can do Id have to call the number and wait. From what I see online you get a provisional credit and I havent gotten that or not even a claim # from the complaint with chase.

The date is now Sunday, my bills are piling, my gas tank is empty, and my fridge is empty.

This isnt right, they still have my {$900.00} and theres nothing anyone can do even tho I have a receipt and Im on camera.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Experian Dispute Department, I am writing to formally dispute several hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, and they appear to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate and remove these unauthorized inquiries from my credit file immediately. 
The disputed inquiries are as follows : 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 XXXXXX/XX/XXXX Because I did not apply for credit with these companies, these inquiries are inaccurate and harmful to my credit profile. Please remove them immediately. 
Enclosed are copies of supporting documents to verify my identity, including my drivers license, Social Security card, and a recent utility bill. Please provide written confirmation once these inquiries have been removed, or documentation showing proof of authorization if you believe they are valid. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-08-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Experian Dispute Department, I am writing to formally dispute several hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, and they appear to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate and remove these unauthorized inquiries from my credit file immediately. 
The disputed inquiries are as follows : 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 XXXXXX/XX/XXXX Because I did not apply for credit with these companies, these inquiries are inaccurate and harmful to my credit profile. Please remove them immediately. 
Enclosed are copies of supporting documents to verify my identity, including my drivers license, Social Security card, and a recent utility bill. Please provide written confirmation once these inquiries have been removed, or documentation showing proof of authorization if you believe they are valid. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
I discovered inaccurate information reported on my checking account ( XXXX  ) activity. I contacted the company multiple times requesting verification and correction. Despite providing supporting documentation, they failed to investigate or resolve the errors. These inaccuracies have affected my account records and may impact my credit reporting. I am requesting a thorough investigation and correction of all inaccurate entries, and confirmation that the corrected information has been updated.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX allowed XXXX XXXX XXXX to place a {$5700.00} charge on my credit statement. Not only was the charge inaccurate, but the limit on this card was only {$1000.00}. I disputed it and open a claim to show that this case needed to be investigated. They didnt investigate properly and denied the claim. I then reached out to a consultant who advised me to open a claim with the CFPB to further investigate my claim with 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a XXXXXXXX XXXX XXXX  ending with XXXX with Chase Bank. I checked old statements and found that in XX/XX/year> statement I had an invoice balance of {$1800.00} and payment of {$1800.00}, leaving a balance of {$44.00}. I was charged an interest of {$25.00} on this amount in the invoice. On inquiry, bank informed me that it was a system error but since I had called XXXX day after XXXX  months, bank can not refund the wrongly charged interest, meaning that if bank makes a mistake and takes one 's money and the person does not catch the mistake within XXXX  months, the money becomes the bank 's property which is immoral.

Company response to consumer: Closed with monetary relief