vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing because the information your company is furnishing regarding the account listed under XXXX appears to be inaccurate, incomplete, or unverifiable. As the original creditor, all information provided to any credit reporting agency originates from your internal records. Therefore, you are responsible for ensuring the accuracy, integrity, and completeness of the data being published. 
At this time, the information being reported including the Date of First Delinquency ( DOFD  ) and other derogatory data does not appear to match the factual history of the account. Any discrepancy in the DOFD directly affects the reporting period and the negative impact on my credit profile. 
Because the accuracy of this information is in question, I am requesting strict proof of all data you are furnishing to the credit bureaus for this account. 
1. Request for Strict Proof of the DOFD and Reporting Basis To verify the accuracy of your reporting, please provide : 1. the original date the account first became delinquent, 2. complete payment history establishing the DOFD, 3. any internal records, system notes, or documentation used to determine this date, 4. and the exact DOFD you furnished to each credit reporting agency. 
If your records do not contain verifiable evidence of the original delinquency date, then any DOFD currently being reported is inaccurate. 
2. Request for Verification of All Information You Furnished Provide a full breakdown of all information you have transmitted to the credit reporting agencies regarding this account, including : 1. account status, 2. payment history codes, 3. charge-off details ( if applicable ), 4. balance information, 5. any remarks or comments, 6. and all Metro 2 fields submitted. 
This request is made to determine whether the data being reported is complete and supported by your internal documentation. 
3. Request for Full Account-Level Documentation To validate your reporting and ensure accuracy, please also provide : 1. the original contract or account application, 2. complete and unaltered payment history, 3. full internal notes related to the management, placement, or adjustment of the account, 4. any charge-off documentation ( if relevant ), 5. and any account-level data used to support your reporting.

If you do not have these records, then the information being furnished may not be verifiable.

4. Opportunity to Correct, Update, or Delete Inaccurate Information If your internal review reveals : 1. inaccurate reporting, 2. incomplete records, or 3. unverifiable DOFD information,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
My personal information was stolen. I have unknown credit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have never had an account with XXXX XXXX XXXX XXXXXXXX, I do not have any paper trail regarding this debt. I was in XXXX XXXX in XXXX, living with my parents and I would never have needed to rent an apartment. I have never rented an apartment in XXXX XXXX and have only own my property in XXXX MA. I pay all my bills on time and have never even heard of XXXX XXXX XXXX  until now. They are stating I owe {$560.00} for an apartment, I HAVE NOT EVEN LIVED AT. I asked for the original debt information and they couldn't provide that to me. I was harassed daily from debt collectors from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX even after I told them to stop calling me. I have all of my tax information from XXXX  to today showing proof of address and it does not match the address of the debt which they say I supposedly resided. Now my the debt which I don't owe was sold to another company. Please send a cease and desist letter to them since I do not owe any debt, and there is nothing on my credit history as well which I can prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX handling of four collection accounts appearing on my credit report : Account XXXX {$1200.00} Account XXXX {$730.00} Account XXXX {$1000.00} Account XXXX {$790.00} Midland Credit Management is reporting balances that are unsupported and inconsistent with the original creditor records. I contacted the original creditors directly, and the amounts Midland is furnishing do not align with the underlying contracts or account histories. Despite being aware of these discrepancies, Midland continues to report the same inaccurate balances to the credit bureaus.

In addition, Midland has made threats of legal action on these accounts while failing to substantiate the alleged debts. Representing that litigation is imminent or appropriate when the balances are unverified and disputed is misleading and violates consumer protection laws.

Midland has not produced documentation establishing its legal right to collect or report these accounts, including proof of assignment, a complete chain of title, or proper validation as required under 15 USC 1692g. Without this information, Midland can not demonstrate ownership or lawful authority over the alleged debts.

Midland is a third-party debt buyer that did not originate these accounts and did not incur any actual loss. As such, it lacks standing to enforce the original contracts, assess contractual interest or fees, or pursue damages. Continuing to report and attempt collection under these circumstances constitutes false representation of the debt and improper collection activity.

Due to these ongoing violations, I am requesting the complete removal of all four Midland accounts from my credit report. If Midland persists in reporting or attempts further collection or legal action, I will pursue all remedies available to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 complaint to dispute inaccurate and misleading information on my Experian credit report. I am actively working to ensure my credit report reflects only accurate and verifiable information. 

Charged-Off Accounts I dispute the following accounts as inaccurately reported : XXXX XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$2100.00} ) XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$1300.00} ) XXXX / XXXX Acct XXXX ( XX/XX/XXXX, balance {$330.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$140.00} ) XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) Some of these accounts may be inaccurately reported, have incorrect balances, or incorrect reporting dates. I request Experian verify the accuracy of each account and correct or remove any information that can not be verified. 

Late Payment Accounts I dispute the following late payments : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX These late payments are inaccurate or unverifiable. I request Experian correct or remove any inaccurate late payment history.

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 2025-12-28 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:
I am disputing inaccurate and incomplete items on my TransUnion credit report. TransUnion is reporting information that is inconsistent with other bureaus and lacks proper verification. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX Account # XXXX EDFINANCIAL Account # XXXXXXXX XXXX XXXX XXXX XXXX These accounts show inconsistent balances and reporting dates compared to other bureaus. The information being reported does not appear to be fully accurate or supported by proper documentation. 

Inquiry in Dispute ( TransUnion ) : XXXX XXXX Inquiry dated XX/XX/year>

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 2025-12-28 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: GA

Complaint narrative:
I am filing this complaint as a consumer seeking accurate and fair credit reporting. Below are the details of my disputes with each credit bureau. 

XXXX Disputed Item : Previous Address : Not applicable Charged-Off Account : Not applicable Statement : XXXX is not currently showing the disputed items listed by the other bureaus. This statement is included for completeness and to ensure all bureaus maintain consistent and accurate reporting on my file. 

EXPERIAN Disputed Items : Previous Address Address : XXXX XXXX XXXX, XXXX, NY XXXX Dispute Reason : This address is incorrect or outdated. I no longer reside at this location, and it should not appear as a current or active address on my credit file. I request its removal or proper classification as a former address, if not already done. 

Charged-Off Account Creditor : XXXX XXXX XXXX Amount : {$420.00} Date Reported : XX/XX/year> Balance : {$0.00} Dispute Reason : I am disputing the accuracy of this account. The account should not be reported as charged off, and I request verification under the Fair Credit Reporting Act ( FCRA ). If Experian can not provide full documentation verifying the debt and charge-off status from the original creditor, this item should be removed from 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am filing this complaint because I have been completely denied access to my EDD benefit funds that are held on a XXXX XXXX prepaid debit card issued through XXXXXXXX XXXX. 
My EDD XXXX XXXX card is fully unusable. I can not withdraw cash from an ATM, I can not make purchases, I can not transfer funds, and I can not wire money out. When attempting to manage or verify my account, I am redirected to a XXXXXXXX XXXX website and instructed to sign in to an account that I do not have. I do not have a Pathward retail bank account. I only have an EDD issued prepaid debit card. 
I contacted XXXX XXXX  customer service to report that my funds are completely inaccessible. I was told that they could not help me and provided no resolution, escalation, or alternative method to access my money. As of now, my funds remain frozen with no explanation, no timeline, and no workaround. 
This is a serious issue because these are government issued benefit funds intended for basic living expenses. I currently have no access to my money for food, transportation, or necessities. I have complied with all identity requirements and have not engaged in any fraudulent activity. 
Denying access to funds on a prepaid benefit card without resolution appears to violate consumer protection and prepaid card regulations. I am requesting immediate action to restore access to my funds, unlock my card, or provide an alternative method such as a paper check or replacement card. 
I am asking for prompt investigation and resolution of this matter, as well as written confirmation explaining why my funds were blocked and how this issue will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off / Collection Accounts I dispute the accuracy of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of these accounts appear inaccurately dated, duplicated, or reported without proper verification. I am requesting TransUnion verify the accuracy of all disputed accounts and remove or correct any information that can not be substantiated. 

XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX I do not recall authorizing this inquiry and am requesting TransUnion verify it or remove it if it can not be confirmed.

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 2025-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a report outlining 4 issues when trying to access information online. The complaint 's number was : XXXX. 

The company responded with a long write up completely avoiding the issues I had encountered and the fixes they propose. Instead, they responded by explaining the difference between soft and hard inquiries. I would like them to respond and take action on the following issues : 1. Inability to bypass the membership page that demands payment for information that by law, should be provided for free.

RELIEF SOUGHT : I'd like CFPB to require that Experian to provide instructions how to bypass the payment requirement page and get to the information that should be provided for free. 

2. Argumentative phone representatives that are most likely trained to stop consumers getting the information they need and actively stop you from getting to a supervisor. XXXX XXXX : XXXX  employees to accommodate consumers by providing needed information and institute the ability to speak to a supervisor if the representatives refuse or can't resolve the issue. 

3. Not being on top of things and keeping a debt that was promptly paid as unpaid on the report. XXXX XXXX : Monitor payments in a timely manner so that payments show up when paid. 

4. Providing information to credit card companies that the consumer does not have an active loan or account with or made application with. XXXX XXXX : Be vigilant about recognizing companies that just want to flood consumers with offers ad nauseam.

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 2025-12-28 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: MI

Complaint narrative:
I am filing this complaint to dispute inaccurate and incomplete information appearing on my Equifax credit report. Equifax has a legal obligation under the Fair Credit Reporting Act to ensure that all reported information is accurate, complete, and verifiable.

Charged-Off Accounts ( Equifax ) XXXX XXXX Account No. XXXX, opened XX/XX/year>, balance {$0.00} Late Payments ( Equifax ) XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX / XXXX Account No. XXXX XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information Experian is reporting on my credit report. Under the Fair Credit Reporting Act, Experian must ensure that all reported data is accurate, complete, and verifiable. 

Charged-Off Account Dispute XXXX XXXX  XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$2600.00} ) This account is inaccurately reported as charged off without sufficient proof of verification. I dispute the accuracy and completeness of this tradeline and request immediate deletion if Experian can not provide documented evidence validating this reporting. 

Unauthorized / Impermissible Inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payment Disputes XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # 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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally amend my existing complaint ( # XXXX ) against JPMorgan Chase XXXX XXXX new evidence discovered on XX/XX/year>. During a XXXX recorded call, First Response XXXX for Account Collections Supervisor XXXX ( ID : XXXX ) admitted that the bank denied credit re-evaluations based on a past due balance, not backed by any policy, and failed to generate an Adverse Action Notice for account XXXX. This constitutes a willful violation of 12 CFR 1002.9. Chase also does not provide billing dispute notices in the monthly billing statements or otherwise, as required by law. I am attaching a notarized Supplemental Affidavit and a formal Notice of Adverse Claim for {$79000.00} in total damages for additional regulatory violations. Please attach these documents to my case file for the bank 's response.

Company response to consumer: Closed with explanation