vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting a factual dispute regarding an account reported by Midland Credit Management ( Original Creditor : XXXX XXXX, Account XXXX, {$2900.00} ). This account has been reported as an Other Account on my credit report, but I have never received proper verification or supporting documentation for the reported balance or status. I am not claiming identity theftthis is a factual dispute regarding inaccurate reporting. 
I have disputed this item multiple times with XXXX, XXXX, and XXXX, yet no documentation has been provided as required under FCRA 611 ( a ) ( 1 ) ( A ). Verification should include account statements, payment history, and proof of balance owed, as required under FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), 607 ( b ), and XXXX XXXX Compliance Manual 4.2.2 & 4.3.1. Reporting unverifiable information constitutes a factual inaccuracy and violates federal law.

I have requested verification and proper documentation for this account well over XXXX months with no satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-23 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I mobile deposited my school check to capital one checking account. Instead of declining the picture of the check that was blurry they accepted it and gave me a date to expect my money which was early this month! However I called because I had not received my deposit and was told I have to wait XXXX  days when I needed that check for living expenses and help with children. I tried to resolve this but I have been told the same thing from several representatives. I do not want to bank with Capital one anymore and they wont allow me to close my account or give me my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood has restricted my account and is preventing me from accessing my legal funds. My phone number on file is outdated, and the automated system provides no way to update it while the account is restricted. I have attempted to resolve this through support, but I am stuck in an automated loop. I am ready to provide Government ID and a Selfie for manual verification immediately. I am requesting that a human representative contact me at ( XXXX ) XXXX or provide a secure link to upload my ID so I can regain access to my money. 
The company 's security protocols have created a Catch-22 where I am unable to verify my identity because the system only allows verification through a phone number I no longer own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, JPMorgan Chase ( " Chase '' ) summarily terminated XXXX of my credit accounts. Despite my attempts to resolve this, Chase has engaged in multiple regulatory violations : Violation of 12 CFR 1002.9 ( Regulation B ) : As of XX/XX/year>, I have not received a written Adverse Action Notice for account ending in XXXX. This exceeds the XXXX statutory limit. 

Deceptive and Abusive Practices ( 12 U.S.C. 5481 ) : Chases Adverse Action Notices directed me to call for a " re-evaluation '' and " further discussion. '' However, calls with several representatives on XX/XX/XXXX became hostile when I did. A supervisor admitted that re-evaluation is blocked by a " verbal policy '' and another representative denied it based on an " internal policy '' that the bank refuses to disclose in writing. Inviting a consumer to a process that is internally pre-determined to fail is a deceptive act.Complaint Reference # XXXX Failure of Ordinary Care ( UCC 4-103 ) : Chase assessed late fees XXXX interest and transfer fees after they terminated the relationship. Their hostile handling of my inquiries constitutes a failure of " Good Faith '' and " Ordinary Care '' under XXXX  law ( O.C.G.A. 11-4-103 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
I opened this checking account with First Interstate Bank in XXXX, and despite the account being very new, I have experienced repeated unauthorized transactions. 

The following transactions were not authorized by me and occurred without my consent : Multiple XXXX XXXX XXXX Pay transactions, including charges on XX/XX/XXXX and XX/XX/XXXX A related overdraft fee charged on XX/XX/XXXX, which occurred as a direct result of the unauthorized Bill Pay transaction These unauthorized transactions have happened repeatedly, sometimes on consecutive days, indicating an ongoing fraud issue. I did not set up Bill Pay with this company and did not authorize any of these payments. 

I reported this issue to First Interstate Bank, but my support ticket was closed as resolved without stopping the unauthorized activity. I was advised to visit a branch, which I am currently unable to do. 

Because this account is new and unauthorized transactions continue to occur, I have serious concerns about the security of First Interstate Banks systems and my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: NM

Complaint narrative:
I was looking online for a loan and this person XXXX XXXX contacted me knowing I needed a loan. He misrepresented himself as a loan officer. He deposited money into my bank account and the had me transfer it over to XXXX. He then proceeded to pull {$560.00} and a second for XXXX and something. He then said because I didn't have the full amount to send back to him ( I had an automatic payment I forgot about. ) We would have to do it again. 
He had access to my bank account, all of my information and my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: KY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted Equifax multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX, XXXX continues to furnish inaccurate and factually impossible credit reporting after receiving multiple written disputes and validation requests. 

XXXX is reporting an alleged collection account with a stated open date of XX/XX/XXXX, while simultaneously reporting a last activity date of XX/XX/XXXX. This sequence is not possible and constitutes unlawful re-aging of the account. 

I submitted a formal validation request and dispute on XX/XX/XXXX, followed by a Final Demand and Notice of Intent on XX/XX/XXXX. XXXX failed to provide lawful validation, including : A signed agreement, A complete payment history, A valid chain of title from the original creditor, or An accurate charge-off calculation. 

Despite this, XXXX continued furnishing the account and left the harmful notation Consumer Disputes This Account Information.

This account has already been removed from XXXX  and XXXX, confirming that it could not be verified. Equifax remains the only bureau reporting this inaccurate information. 

Why is this an issue? 

Reporting activity before an account exists violates FCRA 623 ( a ) ( 5 ) Continued furnishing after notice violates FCRA 623 ( b ) False dispute remarks violate FCRA 611 Failure to validate violates FDCPA 809 ( b ) Single-bureau persistence violates FCRA 607 ( b ) XXXX  is furnishing information it knows or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was locked out of my account for the last XXXX weeks. I called and they claimed it was a random account verification. Capitol One requested copies of my DL and proof of residency. On XXXX separate occasions I was required to send this information in. I kept getting excuses and requests for additional information. I finally got fed up and closed my account. 

When I closed my account, I lost over XXXX reward points on an account I had to pay a fee for. I don't feel that Capitol One should be allowed to profit on locking my account and stalling on reopening it. I don't care if I get the miles back or refunded on the credit card fee but I feel they should donate the money to a charity or to the CFPB so they don't profit on their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief