vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Subject : Unlawful Debt Collection Reporting and Failure to Correct Verified Dispute Complaint : I am filing this complaint against Midland Credit Management , Inc., XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as the credit bureaus XXXX XXXX XXXX XXXX 

Prior to my recent court date on XX/XX/year>, I submitted multiple disputes to all three credit bureaus explaining that I do not owe the debt being reported by Midland Credit Management , Inc . The alleged account originated through XXXX XXXX XXXX and was later connected to Pagaya AI Debt. Despite my repeated disputes and supporting information, the bureaus continued to verify the account as accurate. 

On XX/XX/year>, a court case filed by Midland Credit Management , Inc. was dismissed in my favor, confirming that they were not authorized to collect or report this alleged debt. The continued reporting by XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, along with the bureaus verification of inaccurate information, represent violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting : 1. Immediate deletion of this account from XXXX XXXX XXXX XXXX

2. A full investigation into Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX for false and unauthorized reporting Supporting Documentation : Court dismissal order dated XX/XX/year>. 

Copies of prior dispute letters and credit bureau responses verifying the account. 


This ongoing conduct reflects a willful and negligent disregard for consumer protection laws and requires immediate enforcement action by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ).

I am a verified victim of XXXX XXXX  debt bondage, and identity theft. In partnership with my authorized nonprofit advocate, I submitted a formal written request to TransUnion with all required supporting documentation to have fraudulent and coercion-based information blocked and permanently removed from my credit file. 

Documentation Provided Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity Social Security number Proof of current address Despite submitting these documents, TransUnion has failed to remove or block the fraudulent information listed below, violating my rights under federal law. 

Fraudulent and Coercion-Based Information to Be Removed Incorrect Addresses : 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 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 Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Removal FCRA 605C ( 15 U.S.C. 1681c-3 ) : Requires consumer reporting agencies to block information that resulted from XXXX XXXX within four ( 4 ) business days after receiving proper documentation. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires agencies to block information resulting from identity theft upon verified proof.

TransUnions Noncompliance TransUnion has not fulfilled its legal obligation to block and delete this information, even after being provided with certified documentation. This noncompliance continues to cause harm, including credit denials and emotional distress, and represents a clear violation of my federal rights under the FCRA.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: OK

Complaint narrative:
I filed a debit card dispute for multiple transactions from the merchant XXXX under Case Number XXXX on my account ( Ending in XXXX ). 

Egregious Dispute Processing Error ( Proof of Faulty Investigation ) : The initial dispute letter sent by UMB Bank notifying me of the investigation listed transactions totaling {$3200.00}. However, my bank statement only reflects the {$1600.00} in charges that were provisionally credited and later reversed. This massive discrepancy ( {$1500.00} difference ) demonstrates a severe processing error and that UMB Bank is investigating charges that are either incorrect or do not exist on my account, which entirely invalidates the integrity of their findings and denial. 

Improper Reversal Details : UMB Bank issued provisional credits, but then unilaterally debited my account for a total {$1600.00} with the transaction description " XXXX XXXX' without notifying of me the results or that the provisional credits would be reversed on the following dates : XX/XX/year> : Reversals of {$99.00}, {$290.00}, and {$490.00}. 
XX/XX/year> : Reversals of {$99.00}, {$99.00}, {$290.00}, and {$290.00}. 
Total Reversal Amount : {$1600.00}. 

Banks Policy & Regulation XXXX Violation : The initial dispute documents I received explicitly stated that I would be notified in advance of the final determination before any temporary credit would be reversed. I received absolutely no communicationneither a letter, an email, nor a phone callfrom the bank notifying me of the decision. 

This lack of notification is a clear violation of the Electronic Fund Transfer Act ( EFTA ), specifically Regulation E ( 12 CFR 1005.11 ( d ) ), which requires a written explanation of findings before debiting a provisional credit, plus a 5-business-day grace period to cover resulting payments.

Resulting Damages : The sudden debit caused my account to go into a negative balance, potentially reversing scheduled payments, causing potential late fees, stress, XXXX  and uncertainty.

Request for Resolution : Given the clear violation of Regulation E that caused direct financial harm, and the documented processing errors that invalidate the bank 's investigation, I request that the CFPB investigate this non-compliance, compel UMB Bank to immediately refund all/potential resulting overdraft/NSF fees, rule the original dispute of {$1600.00} in my favor, provide a written statement and apology as to how and why the error occurred and provide compensation for any potential damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This account is fraudulent. The credit bureau was notified and provided documentation. Under 15 U.S.C. 1681c-2, they are required to block and remove fraudulent information within 4 business days. They failed to comply, violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-17 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
On XXXX i sent an ACH revocation email to the company and they have continued to take money from my bank account after i let them know they no longer have authorization to do so. In fact they took XXXX payments on XX/XX/year> and XX/XX/year>. Called the company today on XX/XX/year> and they indicated they wanted me to write a handwritten letter and take a picture of it. I advised them that isnt require and they need to honor my ACH revocation.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/year> At XXXX XXXX I used a U.S. Bank ATM/cash machine at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I withdrew {$1000.00} from my XXXXXXXX XXXX XXXX checking account. As I was retrieving my cash, I saw an error message that it would be retained if I did not take it quickly. The machine then started retaining the bills. I was only able to secure {$540.00} dollars. I tried to take a photo of the error message but missed it. I did see that it said to contact my bank ; no number was provided for U.S. Bank. This was horrifying. I called XXXXXXXX XXXX XXXX immediately and filed a dispute supplying them with my receipt from the ATM. Yesterday at XXXX p.m ( notably, over XXXX hours past the 10 day mark from the time of the incident ), I received an email from XXXXXXXX XXXX XXXX saying that no error occurred and that I could request the documentation upon which they made their determination. Furious, I called and submitted that request this morning and was told I would receive it in the mail within XXXX business days. THAT CASH MACHINE HAS {$460.00} IT SHOULD NOT ; THIS SHOULD BE EASY TO VERIFY.

Additionally, the problem was with U.S. Banks ATM but it instructed me to contact MY financial institution to resolve the issue. It provided NO CONTACT INFORMATION for U.S. Bank. When I tried to research how to resolve this with U.S. Bank, I ended up in an endless phone tree that went nowhere because I do not have a U.S. Bank account. 

This is unconscionable. I am an attorney. I am telling the truth and have been made to feel like a liar. I will pursue this to the bitter end but someone with less intellect and fewer resources would not. This should not be happening to anyone. Just awful and PLAIN WRONG.

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 monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: 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 XXXX XXXX Account Number : [ 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 2025-10-17 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: IL

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : INQ - TU : XXXX XXXX XX/XX/XXXX XXXX XX/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
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-10-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its establishment or usage. Supporting documentation is included to substantiate my claim.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its creation or utilization. Attached are the necessary documents to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: IL

Complaint narrative:
I used the EarnIn app to receive a {$50.00} advance, which was auto-repaid the moment my earnings hit. This caused my account to overdraft by {$43.00} a negative balance that EarnIn itself caused. After repaying, I expected to be eligible for another advance, but the app falsely shows my bank balance as {$270.00}, which is completely inaccurate. I provided proof of my actual bank balance ( {$43.00} ) and re-linked my bank as instructed. EarnIn refuses to fix the data, override the error, or issue a new advance. Support agents respond with copy-paste messages, avoid escalation, and ignore the fact that I am now left without access to funds I need for urgent expenses. This is predatory, misleading, and causing serious financial harm. I want the false balance removed and my access to advances restored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, the company Bounce AI , Inc. reported a {$4000.00} debt on my credit file. This debt was assigned on XX/XX/XXXX, and they claim it is unpaid. However, I have already disputed this account as a case of identity theft with the credit bureau, and I have not received any resolution or response from the company. I also filed an official police report for identity theft to document this incident. Despite that, the company continues to report this fraudulent account and threaten to damage my credit, which constitutes multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act. I am submitting this complaint because this company is ignoring my rights under these consumer protection laws and is causing serious harm to my credit and reputation

Company response to consumer: Closed with explanation