vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting unauthorized accounts and inquiries that I did not open or authorize. 

XXXX XXXX XXXX XXXX accounts : Account XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX 
Account XXXX XXXX {$890.00} XXXX XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> I never applied for or authorized these accounts or inquiries. On XXXX [ insert mailing date ], I sent Experian a certified dispute letter with an Identity Theft Statement and supporting documents. Under FCRA 605B, Experian is required to block and delete identity theft information within 4 business days. 

Experian has failed to remove these items, which violates FCRA 605B, 1681e ( b ), and 1681i. I am requesting immediate deletion of these accounts and inquiries, along with written confirmation.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Cease and deceast. Chain of custody or foward flow agreement. Debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is a follow up on the recent case XXXX. 

Today I called in to check on the status of the XXXX unauthorized ACH transfer {$14000.00} and {$180000.00} at Discover Bank. Discover Bank has concluded that those transactions are valid due to funds ended in my XXXX XXXX XXXXXXXX business account. I disagreed with this result. The fact is that those funds were in my Discover Saving account to begin with. The money ended in my business account doesn't mean that it was authorized. Some XXXX have hack into my account and made the transfers to my business account then conducted XXXX unauthorized ACH transactions from my business account. I was able to report the unauthorized transactions to XXXX XXXX  XXXX and was reimbursed for XXXX out XXXX unauthorized ACH. The only XXXX left was the {$18000.00} illegally taken out of my business account by some one without my consent. My fund in my Discover Saving account is protected by the Electronic Fund Transfer Act with the XXXX days reporting. Discover bank told me to pursue the {$18000.00} with XXXX XXXX  XXXX because it occur over in XXXX XXXX XXXXXXXX. Those unauthorized ACH transactions can not occur without the funds illegally transferred from my Discover Saving because I only have only {$5100.00} before the {$180000.00} unauthorized ACH. XXXX XXXX XXXXXXXX has also concluded that those unauthorized transfers were valid and they have reimbursed me for XX/XX/year> illegal transactions. And I also call XXXX XXXX  XXXX XXXX to check on the {$18000.00}. They told me that don't see the claim for that any where. But I have included the {$18000.00} transaction on the same Unauthorized ACH transaction form and submitted the first time reporting. I was asked to submit again on the XXXX of XXXX Today, I was asked to resubmit the claim for the {$18000.00} again and I did just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
I am submitting this as my fourth follow-up complaint regarding inaccurate and unauthorized information that continues to be reported on my credit file despite multiple disputes.Bank of XXXX Account XXXX in XXXX XXXX, reported as a XXXX XXXX with a listed balance of {$59.00}. 
I never authorized or verified this account to be reported as such. This reporting is inaccurate and harmful. 
Under FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), I have the right to dispute inaccurate information, and the credit reporting agencies are required to reinvestigate and correct or delete unverifiable data. 
Additionally, under FCRA XXXX XXXX U.S.C. XXXX, any information that is the result of identity theft or unverifiable can not legally remain on my file. 
XXXX XXXX account ending in XXXX XXXX with a balance of {$81.00}. 
I never authorized or verified such a collection to be associated with me. 
This account is inaccurate and must be removed immediately. 
XXXX dated XX/XX/year> XXXX dated XX/XX/year> I did not provide permissible purpose for these companies to access my credit file. 
Under FCRA XXXX ( f ) XXXX U.S.C. XXXX ( f ), no entity may obtain a consumers credit report without authorization. 
FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ) and FCRA XXXX XXXX U.S.C. XXXX both require that access to my credit file be strictly limited to legitimate purposes, which clearly was not the case.

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 2025-10-01 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Absolutely, I'll include all the transactions in the description. Heres the updated version : -- - In XX/XX/year>, I discovered multiple unauthorized transactions on my Citizens Bank account ending in XXXX, totaling {$3000.00}. The disputed transactions are as follows : {$800.00} {$800.00}, {$1000.00}, {$50.00}, {$25.00}, {$37.00}, {$72.00}, {$89.00}, {$23.00}, {$25.00}, {$9.00}, and {$27.00}. 

I promptly reported these transactions to Citizens Bank and filed a fraud claim. On XX/XX/year>, I received a letter from Citizens Bank ( Claim Number XXXX ) stating that they determined fraud did not occur and denied my claim. 

I disagree with their determination, as I did not authorize these transactions. I am seeking assistance to ensure a proper investigation and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MA

Complaint narrative:
I filed an dispute with XXXX for XXXX XXXX XXXX and provided evidence which was judgment of satisfaction stating that I no longer owe debt to property management and XXXX is not doing anything about my dispute with evidence I submitted to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EXPERIAN immediately block and permanently remove multiple fraudulent accounts Collections, Charge-Offs, Late Payments, and Hard Inquiries that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX, # XXXX, # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX XXXX breach. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX  am writing to formally dispute the accuracy and completeness of the information appearing on my credit report furnished by you, specifically regarding the account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX]. I have reviewed my credit report and identified the following inaccuracies, which I request you investigate and correct or delete in accordance with the Fair Credit Reporting Act (FCRA).\nSpecific Inaccuracies and Reasons for Dispute:\nInconsistent "Last Verified" Dates: My report shows a "Last Verified" date of blank for this account. This date is inconsistent with other records and requires verification for accuracy, as it impacts the reporting period of this item.\nUnclear "Date of Last Activity": The "Date of Last Activity" is reported as XXXX  This information is crucial for determining the age of the debt and needs to be accurately reflected and verified.\nMissing "Last Payment" and "Payment Amount" Details: My report states "NONE REPORTED" or has blank fields for "Last Payment" and "Payment Amount." If payments were made or if this information exists, it must be accurately included for a complete and fair representation of the account.\nDiscrepancy in "Payment Status": While the "Account Status" is "Closed," the "Payment Status" is listed as "Collection/Chargeoff." I request a thorough investigation into the precise nature and status of this account to ensure the correct and verifiable information is reported.\nRequest for Investigation and Deletion:\nI request that you conduct a diligent and reasonable reinvestigation of these disputed items as mandated by the FCRA. If, after your investigation, you are unable to verify the accuracy and completeness of this information, I demand its immediate deletion from my credit file.\nPlease provide me with a written report of your investigation results and a free updated copy of my credit report if any changes are made as a result of this dispute.\nThank you for your prompt attention to this matter.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated and removed. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXXAccount Number XXXX In accordance with the Fair Credit Reporting Act Public law 91-506. Title VI, section 611, please provide the names and the business address of each individual with whom you verified the following up above so I can follow up. Please send me an updated copy of my credit report after your investigation. Please delete immediately if information can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I never received either card ( FIT or Surge ). No card, no activation, no use. Yet Continental Finance initiated fees ( including the annual/processing fees ) before activation, took about {$90.00} per account, and posted additional charges. I filed my dispute a month before Continental closed the account ( s ), but their back office closed me out anyway without recognizing I had an active claim and that I never received the cards. This is a card-not-received / identity-theft situation. They took my money, created fees on accounts I never used, and hurt my creditthe exact opposite of why I applied ( to build credit ). 

Timeline & facts : Applied for FIT and Surge ; paid upfront fees ( ~ {$90.00} each ). 
Cards never arrived ; I never activated or used them. 
I filed disputes with Continental Finance before account closure.

Despite this, Continental closed the account ( s ) and left fees/derogatories, and my money was never returned.

What I want : 1. Full refunds of all upfront/processing/annual/late/interest fees associated with both accounts ; balances set to {$0.00}. 


XXXX. Delete any negative credit reporting XXXX XXXX XXXX and confirm in writing. 


XXXX. Provide copies of the documents relied on to open/activate : application data, mailing address & delivery/return scans, IP/device data, IVR/agent activation logs/recordings, and a date-stamped ledger.

4. Written confirmation that Continental/issuer has corrected the errors and closed any identity-theft flags. 



Companies involved : Continental Finance Company , LLC ( servicer ) FIT issuer : XXXX XXXX XXXX XXXX XXXX Surge issuer  : Celtic Bank. 
Consumer harm : Out-of-pocket fees, derogatory credit reporting, and months of stress trying to correct something caused by cards I never received or used. 


Name : XXXX XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone/Email 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I mailed a debt validation letter to Midland Credit ManagemenXXXX on XX/XX/year>, via USPS Certified Mail. According to USPS tracking, the letter was delivered on XX/XX/year>, at XXXXXXXX XXXX 

The letter requested that Midland validate the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), including providing proof of the original creditor, the amount owed, and their legal right to collect. 

However, just hours after they received my letter, at XXXXXXXX XXXX  on the same day ( XX/XX/year> ), I received an email from Midland stating that my balance of {$4900.00} is still due, and asking me to resolve the account. 

This communication occurred after they had received my dispute, and before they provided any form of validation. Additionally, the amount stated in the email does not match the amount currently reported on my credit report, which shows a balance of {$2000.00}. 

I believe this violates the FDCPA, which prohibits continued collection activity until a debt has been properly validated. I am requesting an investigation and that all collection activity be suspended until Midland complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX  is reporting unauthorized accounts and inquiries that I did not open or authorize. 

Midland Credit Management collection accounts : Account # XXXX {$1100.00} XXXX XXXX XXXX XXXX 
Account # XXXX {$890.00} XXXX XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> I never applied for or authorized these accounts or inquiries. On XXXX [ insert mailing date ], I sent Experian a certified dispute letter with an Identity Theft Statement and supporting documents. Under FCRA 605B, XXXX  is required to block and delete identity theft information within 4 business days.

Experian has failed to remove these items, which violates FCRA 605B, 1681e ( b ), and 1681i. I am requesting immediate deletion of these accounts and inquiries, along with written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I have had a credit card with Chase for years and have always paid on time, never late. {$1400.00} credit limit that they have refused to ever increase it. At the end of XXXX, I reported to Chase that I had ordered items from XXXX and did to receive the items. 
I was XXXX XXXX  on XX/XX/year> and incurred a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  and Texas Crime Victims Compensation paid for me to relocate to XXXX, Tx. While in XXXX, ( in XXXX ) I ordered from XXXX and had items sent to my home in XXXX, TX knowing that I was about to go ack home to XXXX that month. I got home and there were no packages at my home. I called my XXXX XXXX company ( Chase ) to inform them because on XXXXXXXX XXXX it said delivered. A few days later Chase closed my credit card account. I have police reports and trespass order served to the one who XXXX  me ( that's why I felt ok to go back home is because I got a trespass order ). I feel like I have been victimized twice now. Once by the offender and now punished by Chase Bank for reporting that I did not get my packages. In the chase benefits, it states that Chase insures anything that is broken, damaged or missing if purchased by Chase credit card. I have a audio recording of my conversation with Chase XXXX with his notice that I was recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I am formally disputing the reporting of unauthorized hard inquiries that appear on my credit file. These inquiries are fraudulent, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681i.

Under the FCRA, a consumer reporting agency may only furnish a consumer report to third parties with a permissible purpose and with my direct consent. I did not authorize the companies listed to access my credit report, nor did I apply for credit with them. Since no permissible purpose or written authorization exists, these inquiries are unlawful and must be deleted.

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 2025-10-01 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: CT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$5800.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4500.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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