vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: Chime Financial Inc
State: KY

Complaint narrative:
I was in XX/XX/XXXX the whole mouth of XXXX XXXX some XXXX got into my chime account XXXX spent over XXXX dollars i try filling a dispute XXXX they deined it I went toXX/XX/XXXXXX/XX/XXXX XXXX I sent chime proof XXXX my paper work is just got the email today where they deined it on XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
I dispute XXXX ( XXXX ) debt. I received initial retainers, but XXXX failed to correct my teeth or provide new retainers under Lifetime Touch-Up. XXXX shut down in XX/XX/XXXX and rejected all contracts in bankruptcy ( case # XXXX ). TekCollect sent a XX/XX/XXXX letter with only a XXXX contract. They provided NO current balance, NO payment history, NO proof of delivery. This violates FDCPA 1692g. I disputed via text ( XX/XX/XXXX ) and email ( XX/XX/XXXX ). They failed to validate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX Collections Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Inquiries 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Equifax is reporting a XXXX XXXX credit card account with a {$23000.00} balance, charge-off status, and multiple derogatory payment entries. This information is inaccurate, misleading, and legally impermissible. The account was included in my XXXX  XXXX bankruptcy discharge, and Equifax has already removed the bankruptcy r

ecord from my credit file. Since the bankruptcy public record has been deleted, Equifax no longer has any legal basis to verify this account as charged-off, past-due, or owing a balance. Reporting a balance, charge-off, past-due amount, and continued derogatories after a bankruptcy discharge is a violation of : FCRA 1681e ( b ) Maximum possible accuracy FCRA 611 ( a ) Duty to reinvestigate and delete unverifiable information FCRA 623 ( a ) ( 3 ) Furnishers duty to report accurately FACTA bankruptcy accuracy requirements I sent Equifax a formal dispute , demanding verification or deletion. This tradeline is legally unverified and should have been removed. The continued reporting of inaccurate information is causing financial harm and violates federal consumer protection laws. I am requesting the CFPB to investigate and require Equifax to delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I pulled my credit report after being notified my personal information was exposed in a data breach and I then noticed fraudulent accounts listed on 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 non-monetary relief
Consumer complaint received 2025-11-15 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:
Can you review the entry once more? Its late and could be incorrect.

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 2025-11-15 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: MD

Complaint narrative:
Dear Experian, XXXX XXXX, XXXX, Family attorney on behalf of XXXX XXXX This le

tter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, regarding several fraudulent accounts reporting under my name. These accounts were opened without my knowledge or consent and are the direct result of identity theft. There is an active fraud alert on my credit file, which should have prevented unauthorized accounts, yet these fraudulent entries remain. Your continued reporting of this inaccurate information is a violation of the FCRA, specifically : FCRA 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum accuracy FCRA 1681i : Failure to conduct a proper reinvestigation FCRA 1681c-2 : Obligations relating to identity theft and blocking fraudulent information I am demanding immediate action to bring my credit file into compliance with federal law.FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX Opened : XX/XX/XXXX I did not open or authorize this account. It is fraudulent and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX I have no debt owed to the State of Maryland. This is identity theft and must be removed. 
XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX I have never had an account with this company. This is a fraudulent collection entry. 
XXXX. XXXX XXXX XXXX ( Charged-Off Account ) Opened : XX/XX/XXXX I have never opened or financed any account with XXXX XXXX Services. 
This is not my debt and must be removed immediately from my file.

FCRA LEGAL BASIS FOR REMOVAL Under the FCRA, I am asserting the following rights : FCRA 611 ( 15 U.S.C. 1681i ) : Reinvestigation of Disputed Information You are legally obligated to conduct a reasonable reinvestigation within 30 days and delete any information that is inaccurate, unverifiable, or the result of identity theft.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Blocking of Information Resulting From Identity Theft Upon notice of identity theft, a consumer reporting agency must block the fraudulent information from the report within 4 business days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must maintain procedures to assure maximum accuracy. Continued reporting of fraudulent information violates this requirement.

Failure to comply may result in complaints filed with the CFPB, FTC, State Attorney General, and may expose your agency to civil liability under FCRA 616 and 617.

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 2025-11-15 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I did NOT authorize this inquiry, nor did I apply for credit with your organization.

Under FCRA 604 ( a ) ( 2 ) and 607, you must have permissible purpose AND written authorization before obtaining my credit report. 

* * I am requesting the following : * * 1. A copy of the written authorization with my signature, OR 2. Immediate removal of your inquiry from all bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Company : Midland Credit Management Account : XXXX Consumer : XXXX XXXX XXXX : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint against Midland Credit Management for continuing to report and collect on an alleged debt that has not been validated. Midland claims to own the debt but has not provided any documentation to support its ownership, assignment, or contract. I requested validation under 15 U.S.C. 1692g ( b ), and they failed to provide it. Despite this, they continue reporting the account on my XXXX report, and the balance has increased monthly without explanation. 

Midland is violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting unverifiable information and by continuing collection activity without proper validation. I have included a sworn affidavit, cease and desist notice, and a copy of my XXXX  report. I am requesting that the CFPB investigate and require Midland to remove the account from all reporting agencies, stop all contact, and provide proof of ownership if they continue to claim this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. 
I've attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to paid on time immediately. 
Thank you for your understanding and prompt action.

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 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint regarding my former SYNCB/TJX credit account, which is reporting as closed by credit grantor. The account is closed and paid. I contacted SYNCB requesting a goodwill adjustment to update the status to a neutral and more accurate reflection of my current financial standing, such as closed at consumers request or paid as agreed. 
This account was closed during a challenging period, and I have since stabilized my finances, kept all other accounts in good standing, and improved my credit habits. This was not an ongoing issue and does not reflect my current financial responsibility. 
SYNCB responded that the information was accurate, but their response did not address my goodwill request. I understand the accuracy requirement under FCRA. However, this request is for a discretionary goodwill adjustment to update the closure status as the negative remark disproportionately impacts my credit profile compared to the circumstances. 
I respectfully request that the CFPB assist in having SYNCB reconsider my goodwill adjustment request.

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 2025-11-15 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: CA

Complaint narrative:
XX/XX/XXXX th my chime debit card was stolen from my purse including wallet and phone and was use in this website called XXXX  XXXX {$100.00}. Chime keep denying my dispute because it wasn't me. I did a police report. I investigated the website and they are scammers fake websites

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NJ

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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against Caine & Weiner Company, a debt collector, for reporting a collection account on my credit file for a debt that I do not owe, do not recognize, and have never had any contract or business relationship with. 

Caine & Weiner has failed to provide the required legal validation and is reporting a debt fraudulently, inaccurately, and illegally, damaging my credit profile. 


-- - SUMMARY OF THE ISSUE A collection account from Caine & Weiner Company appeared on my credit report without : Any prior communication or notice, Any validation of the alleged debt, Any explanation of the original creditor, Any proof that the debt belongs to me, Any signed contract or agreement, Or any documentation verifying that Caine & Weiner owns or is authorized to collect the debt. 


I have never had an account, debt, or any type of agreementwritten or verbalwith Caine & Weiner or the original creditor they claim to represent.

They reported this account without proof, which is illegal.

-- - LEGAL VIOLATIONS Caine & Weiner is violating multiple federal consumer protection laws.

-- - 1. FDCPA 809 ( 15 U.S.C. 1692g ) Failure to Provide Debt Validation Upon dispute, a debt collector must provide : The original creditors name, The total debt breakdown, A copy of the original signed contract, Proof that the debt belongs to me, Proof that they have legal authority to collect it. 


Caine & Weiner provided none of these.

-- - 2. FDCPA 807 False and Misleading Representations Reporting a debt to the credit bureaus without proof is a false, misleading, and unlawful representation.

-- - 3. FDCPA 808 Unfair Practices Attempting to collect a debt without proper validation constitutes an unfair practice.

-- - 4. FCRA 607 Duty to Report Accurate Information Caine & Weiner must ensure the maximum possible accuracy of any data they report. 
They have reported unverified and inaccurate information.

-- - 5. FCRA 611 Failure to Reinvestigate After I disputed the debt, Caine & Weiner did not properly reinvestigate, instead continuing to verify an unvalidated and unproven debt.

-- - 6. UDAAP Unfair, Deceptive, Abusive Acts or Practices By reporting and pursuing a debt : without proof, without a contract, without a signature, and without prior notice, Caine & Weiner has engaged in unfair, deceptive, and abusive practices under CFPB authority.

Company response to consumer: Closed with explanation