vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a Copy of my credit report and find the following Account on my TransUnion, Equifax and Experian unfamiliar i have explained the discrepancies of the line of credit from XXXX XXXX XXXX XXXX reported on my TransUnion, Equifax and Experian credit report with a XXXX limit of {$350.00} and an reported balance of {$430.00} I never applied for this debt and someone use my information to equip this debt onto my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the XXXX-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), 1 request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a Copy of my credit report and find the following Account on my TransUnion, Equifax and Experian unfamiliar i have explained the discrepancies of the line of credit from XXXX XXXX XXXX XXXX reported on my TransUnion, Equifax and Experian credit report with a XXXX limit of {$350.00} and an reported balance of {$430.00} I never applied for this debt and someone use my information to equip this debt onto my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the XXXX-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), 1 request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this 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 2025-11-29 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: OH

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  inaccurate reporting of a collection account on my credit report. The account is fraudulent or incorrect and violates my rights under federal law : 15 U.S.C. 1681s-2 ( b ) Requires furnishers of information to provide accurate information to credit reporting agencies.

15 U.S.C. 1692g Grants me the right to request validation of any alleged debt.

I dispute the validity of this debt and request that Midland Credit provide proper validation. Until proper validation is provided, this account should be removed from my credit report. Reporting inaccurate or unverified information is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered serval instances of late payments and inaccuracies on an account for which i have always maintained timely payments. Per FCRA in 15 U.S.C. S 1681 that promotes the accuracy, fairness, and the privacy of personal information needs to be accurate across the board. I can attach some documents for proof below.Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment a on the following multiple accounts XXXX  XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX, XXXX XXXX Account Number, XXXX, XXXX, Account Number XXXX. I Request a through investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on-time, as i consistently upheld my payment obligations without delay.

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 2025-11-29 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: AL

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX for a supposed XXXX debt. This account is reporting on all XXXX  credit bureaus and contains multiple inaccuracies and unverifiable information. 

XXXX XXXX XXXX has failed to provide : a signed XXXX contract, itemized billing statements, proof of ownership or assignment of debt, documentation validating the balance, accurate dates of delinquency, and consistent information across the bureaus. 

Under FCRA 607 ( b ), 611, and 623 ( a ), a furnisher must be able to verify all information it reports. XXXX XXXX XXXX has not validated this debt and is reporting inaccurate, incomplete, and inconsistent information, which is harming my credit standing. 

Because the furnisher is unable to provide proper validation and is furnishing unverifiable information across XXXX  CRAs, the only fair resolution is the deletion of the account from XXXX  credit bureaus.

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 2025-11-29 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: AL

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX for a supposed XXXX debt. This account is reporting on all  XXXX  credit bureaus and contains multiple inaccuracies and unverifiable information. 

XXXX XXXX XXXX has failed to provide : a signed XXXX contract, itemized billing statements, proof of ownership or assignment of debt, documentation validating the balance, accurate dates of delinquency, and consistent information across the bureaus. 

Under FCRA 607 ( b ), 611, and 623 ( a ), a furnisher must be able to verify all information it reports. XXXX XXXX XXXX has not validated this debt and is reporting inaccurate, incomplete, and inconsistent information, which is harming my credit standing. 

Because the furnisher is unable to provide proper validation and is furnishing unverifiable information across XXXX  CRAs, the only fair resolution is the deletion of the account from XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/year> CITIBANK, froze my account, stating i needed to wait on a letter in the mail to verify my identity. They proceeded to ask for my social security number, account number, debit card number, and telephone number. I provided them with all requested information. After waiting the 10 days for said letter, i was told the letter was never sent and i would need to wait another 7-10 days to receive the letter. I have XXXX children, my whole life is in that bank account. I can not pay bills nor buy groceries and other necessities for my children. This has been a nightmare. I just want to retrieve my money and close the account.

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 2025-11-29 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: TN

Complaint narrative:
I disputed several inaccurate accounts with the credit bureau on multiple occasions, including XXXX XXXX  ( {$1000.00} ), XXXX ( {$3300.00} ), XXXX XXXX XXXX {$1800.00} ), and XXXX XXXX. I mailed my disputes beginning in XX/XX/year> and again in XXXX and XX/XX/year>. The bureaus marked the accounts as verified, but did not provide any documentation or explanation. Because the accounts still appeared inaccurate, I sent a formal Method of Verification request on XX/XX/year> asking for the verification procedure, the furnishers contact information, and the documents used to verify each account. 

Experian either did not provide the required MOV, provided no documents, or failed to address certain accounts altogether such as the XXXX account. TransUnion did not provide proper dispute results and instead sent a generic presorted postcard with no verification information. Equifax responded but did not provide the required MOV details or documents to support verification. 

I have repeatedly asked all three bureaus to show how these accounts were verified, and they have not supplied the information required by the Fair Credit Reporting Act. I am requesting that the CFPB require each bureau to either provide the complete Method of Verification with documentation or delete the inaccurate and unverifiable accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
I disputed several inaccurate accounts with the credit bureau on multiple occasions, including XXXX XXXX  ( {$1000.00} ), XXXX ( {$3300.00} ), XXXX XXXX XXXX {$1800.00} ), and XXXX XXXX. I mailed my disputes beginning in XX/XX/year> and again in XXXX and XX/XX/year>. The bureaus marked the accounts as verified, but did not provide any documentation or explanation. Because the accounts still appeared inaccurate, I sent a formal Method of Verification request on XX/XX/year> asking for the verification procedure, the furnishers contact information, and the documents used to verify each account. 

Experian either did not provide the required MOV, provided no documents, or failed to address certain accounts altogether such as the XXXX account. TransUnion did not provide proper dispute results and instead sent a generic presorted postcard with no verification information. Equifax responded but did not provide the required MOV details or documents to support verification. 

I have repeatedly asked all three bureaus to show how these accounts were verified, and they have not supplied the information required by the Fair Credit Reporting Act. I am requesting that the CFPB require each bureau to either provide the complete Method of Verification with documentation or delete the inaccurate and unverifiable accounts from my credit 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 non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX Claim ID XXXX Document request date XXXX Claim amount {$4900.00} Chime issued a check on XXXX But I couldnt cash it check reader wouldnt read it. Then account got closed out because they allowed somebody else that stole my purse and had access to my phone access my money and transfer money over to themselves. I did follow a police report and I also have the report number which is XXXX now I am told I have a check coming in my name for the amount of {$5.00} that was already issued to me on XXXX but they wont give me any information about why my account was closed besides and told that I fail to comply with terms of deposit in agreement. im told that they will not issue my check because the details they have were device usage login history and authentication and transaction processing detail where you can clearly see all of those XXXX are out of my normal usage.. 

Claim ID XXXX Reported XXXX Amount {$3500.00} A police report has been filed and been made against this individual and I would like justice I would like my bank to have my back and not just turned their back on me when someone could do something so heartless and leave their client so vulnerable. I am on the verge of losing everything I own because of this I dont know what else to do. I feel like they are just taking my money and chose to close my account out so they dont have to pay me no money that is rightfully mine that I own. I get put on hold for a very long period of time when I call or I get hung up on when they read the notes on my account. I was told to have the fraud department open my account back up so I can open these speeds up and get them taken care of but I keep getting the runaround from every department. I talk to or they tell me they cant give me information about my own account. This has caused me so much of inconvenience my whole worlds upside down. I just need somebody to place our compassion and try to put themselves in my shoes. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because inaccurate information continues to appear on my credit file even after multiple disputes. These errors violate my rights under the FCRA and are causing ongoing harm to my creditworthiness. I am formally requesting immediate investigation and correction as required by federal law. All information below is presented without paragraph breaks as instructed. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$230.00} This account is reporting a late payment which is entirely inaccurate. I have never made a late payment on this account at any time. The furnisher failed to maintain accurate reporting and failed to conduct a proper investigation after my disputes. This false late payment is damaging my credit profile and violating my consumer rights because accurate reporting is mandatory under federal law. I am demanding immediate correction of the payment history to reflect an accurate and spotless record and full reinvestigation by the furnisher and bureau. 

LAWS VIOLATED FCRA 602 ( A ) Requiring maximum accuracy of consumer information FCRA 607 ( B ) Duty of data furnishers to maintain reasonable procedures for accuracy FCRA 611 ( A ) Failure to conduct a proper and reasonable reinvestigation FCRA 623 ( A ) ( 1 ) ( A ) Prohibiting the reporting of information known or should be known as inaccurate FCRA 623 ( B ) Duty of furnisher to investigate disputed information I request that the CFPB enforce compliance, ensure correction of this inaccurate late payment, and hold the furnisher and credit bureau accountable for failing to follow federal law. I certify that the information provided is true to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I prepaid for a car rental through Chase XXXX  Everything was confirmed and I didnt receive any notification of any issues. When I arrived at XXXX in XXXX, XXXX refused to provide the rental due to an unexplained internal blocked account error on their side. I received no service, had to rent another car at additional cost. I worked with both XXXX and Chase XXXX, and following a very lengthy investigation, neither agreed to issue a refund. I filed a dispute through my Chase Sapphire card, but I am reporting this because the merchant failed to provide the service I paid for and Chase XXXX is denying responsibility.

Company response to consumer: Closed with monetary relief