vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is reporting a collection account for an alleged XXXX XXXX  debt in the amount of {$3300.00}. However, the information Midland is reporting is incomplete, inconsistent, and inaccurate, and they have failed to provide the legally required debt validation. 

Midland is reporting : A Date Assigned of XX/XX/year> The original creditor as XXXX XXXX  XXXX XXXX and XXXX  ) The original creditor incorrectly as Midland Credit Management ( XXXX  ) No original date opened No Date of First Delinquency ( DOFD ) No account history No original account information No itemization of the balance No contract or agreement bearing my signature I did not receive a XXXX validation notice or a notice of my right to dispute the debt as required under the FDCPA. I requested validation directly, but Midland has not provided any of the required documentation, including : Original creditor documentation from XXXX Bank, A copy of any contract, application, or agreement allegedly bearing my signature, The original date the account was opened, The Date of First Delinquency ( DOFD ), A complete transaction and payment history, A detailed itemization of the alleged {$3300.00} balance, Proof that Midland Credit Management has legal ownership of the debt, The complete chain of assignment, showing each transfer of the debt from the original creditor to Midland, Proof that the debt is within the legal reporting period, Proof that the debt is accurate, valid, and collectible. 

In addition, Midland is reporting inconsistent information across the XXXX credit bureaus. Equifax incorrectly lists Midland as the original lender, which is factually impossible and violates FCRA accuracy requirements. 

The original XXXX XXXX account does not appear on my XXXX credit report at all, which raises concern that : The account may be too old to report, It may have been previously removed, Or it may never have legally belonged to me. 

Without the required documentation, it is impossible to determine whether this debt is valid, whether it is within the allowable reporting period, or whether Midland has improperly re-aged the account by reporting only the Date Assigned. 

I dispute this debt in full and request that Midland be required to comply with all FDCPA and FCRA validation and reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
I was recently notified that my personal information was involved in a data breach. Since then, I have received numerous spam calls and discovered fraudulent accounts reporting to my credit profile. Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and U.S. Code 1681e, you are legally required to verifythrough physical inspection of the original signed consumer contractany account you choose to report on a consumer credit file. 

Without proper verification, anyone using your reporting services could submit fraudulent information. Therefore, I am formally requesting verifiable proof of each account listed below, specifically an original consumer contract bearing my signature. If you can not provide this documentation, I am demanding that the accounts be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL ACCOUNTS * XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ADDRESS I HAVE NOT LIVED THERE, LEAD BANK ACCOUNT, FIRST FINANCIAL BANK ACCOUNT!! ALL INQURIES ON ACCOUNT thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I went in to the Bank of America XXXX branch to deposit XXXX tax refund checks into my checking account. XXXX was from the XXXXXXXX XXXX and the other was from the XXXX of California. The teller did not inform me that depositing these checks could trigger a freeze on my account. My checking account at that time had a balance of appoximately {$52000.00}. 

The following day I began receiving emails and texts from people and businesses attempting to cash checks I had given them. The message they received from the bank was that the account was frozen. I contacted BofA and was told that the checks I deposited needed to be verified and that it would take anywhere from a week to an " indefinite '' period of time. The representative could not explain why my account was frozen instead of simply putting holds on the checks. 

I have NO access to any of my funds and I am incurring penalty fees, insufficient funds notices and failed XXXX attempts. I have never been involved in any suspicious or unlawful activity and I don't want my credit score to drop from no fault of my own.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Received multiple letters from the company Complete payment recovery services stating that I have multiple checks written to Walmarts across the country, that have been returned as unpaid. XXXX. I have not been to the XXXX locations that these checks were apparently written at. XXXX. My personal checks do not have the same amount of check numbers, that this company is stating are mine. XXXX. The information listed on the debt letters is to someplace called empower empower. I dont know who or what this is. These letters are listed to my home address. I dont have a business out of my home. I really feel like this is come kind of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing this complaint because Capital One denied my fraud claim for an unauthorized {$230.00} XXXX charge on XX/XX/year> ( Case # XXXX ). I did not make this transaction and did not give anyone permission to use my card. This was fraud. 

I followed all instructions and reported the charge immediately. However, Capital One denied my fraud claim and stated that the charge was valid, but they did not give me any evidence to support that decision. I requested proof such as merchant authorization details, device/IP information, or location data, and they did not provide anything. 

I am being held responsible for a charge I did not make, even though credit card customers are supposed to have {$0.00} liability for unauthorized charges. Capital Ones investigation was not properly explained, and I was not given any documentation that proves the charge was authorized. 

I am requesting that Capital One reopen the claim, provide evidence they used to deny it, and remove the unauthorized charge. I also ask that they stop any negative actions ( collections, late fees, or credit reporting ) while this is being reviewed. 

I simply want to be protected from fraud as promised and have the unauthorized charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
XXXX  noticed multiple inaccurate accounts reporting to 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 explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
XXXX  noticed multiple inaccurate accounts reporting to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally express my dissatisfaction with the handling of my Citi XXXX card application. Although I was approved, I immediately received a request for additional documents, which I provided promptly. I was told the review would take several weeks, yet only a few days later my newly approved account was closed without explanation. 
This abrupt action is both confusing and frustrating. I respectfully request a clear explanation and reconsideration of the decision.

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 2025-11-26 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-25 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
I have been repaying my federal student loans for over 21 years without any late payments or deferrals. My loans were originally serviced by XXXX XXXX and later transferred to MOHELA. I was placed on a XXXX repayment plan. 
For approximately XXXX years, I paid {$220.00} per month. In XX/XX/XXXX, my required payment dropped to {$110.00} per month, which I have continued to pay. 
I recently reviewed my MOHELA account and discovered serious discrepancies in their record-keeping : Payment Total Discrepancies : On XX/XX/XXXX, I downloaded my account summary and payment history. XXXX screen shows " XXXX XXXX XXXX : {$51000.00} '' with {$40000.00} to principal and {$11000.00} to interest. However, a different screen from the same date shows " XXXX XXXX XXXX : {$110000.00} '' with {$99000.00} to principal and {$13000.00} to interest. This is a difference of over {$61000.00} between XXXX screens accessed on the same day. 
The Math Doesn't Add Up : Based on my actual payment history : Approximately 132 months at $ XXXX = roughly {$29000.00} Plus the documented payments from XXXX shown in my account history My total actual payments should be approximately $ XXXX {$85000.00} The {$110000.00} figure appears to be inflated by approximately $ XXXX {$33000.00}. 
Loan Consolidation History : My account shows multiple consolidations over the years : Original XXXX loans consolidated on XX/XX/XXXX Additional consolidations dated XX/XX/XXXX Current active consolidation loans ( loan numbers XXXX and XXXX ) with balances of {$3100.00} and {$2300.00} XXXX suspect MOHELA 's system XXXX XXXX double-counting payments or incorrectly aggregating payment totals across multiple consolidations. 
Current Status : My current balance shows {$5400.00} remaining with an estimated payoff date of XX/XX/XXXX. However, given the massive discrepancies in their payment records, I have no confidence that this balance is accurate or that my XXXX years of on-time payments have been properly credited. 
Actions Requested : I need MOHELA to provide a complete reconciliation of my payment history from the beginning of my loan, explaining : Why different screens show payment totals differing by {$61000.00} A detailed accounting of every payment received from XXXX XXXX transfer to present Verification that my current balance of {$5400.00} is accurate Confirmation that all payments have been properly applied to principal and interest Given the lawsuits against MOHELA for widespread accounting errors and miscalculations, I am concerned that I may be XXXX of many borrowers affected by systemic failures in their record-keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a PayPal checking account. Email XXXX PayPal checking account. I have made. Purchase to XXXX XXXX on XX/XX/XXXX. 2025 XXXX $ old XXXX has free shipping refunded my shipping fee of XXXX $ my purchase was XXXX $ I returned the items to the old XXXX store. XXXX XXXXXXXX send me a proof of the refund to my PayPal account. Never arrived. I have the transaction numbers proof from old XXXX that refund was processed on XX/XX/XXXX and XX/XX/XXXX. 

RET XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX info from XXXX XXXX 
XXXX $ was refunded back to my PayPal account. Which was never arrived. I have open XXXX dispute so far. They all closed On seller XXXX XXXXXXXX favor. PayPal never c checked my refund. After I gave them the proof. They stole my money. Someone own my my money back on my purchase from my return items. I like to get my money back please. Please help me find my money. Nobody is responding. My money is missing. Was taken from my 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 explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
My credit reports dated XX/XX/year> contain multiple derogatory accounts that were never opened, authorized, or validated by me. These accounts appeared after my personal data was compromised in the Equifax breach, and I am reporting this as identity theft. I am not requesting an update or correctionI am requesting full removal and a XXXX identity theft block. 

The following fraudulent accounts were inaccurately attached to my file : XXXX XXXX showing a {$2400.00} charge-off with late-payment reporting. 

XXXX XXXX showing a {$5900.00} charge-off and late-payments ranging from 30150 days. 

XXXX XXXX showing a {$3300.00} charge-off and multiple late-payment entries. 

XXXX XXXX showing a {$7100.00} charge-off and 60180 day late-payment reporting. 

XXXX XXXX showing a {$710.00} charge-off and delinquent reporting. 

On [ insert your dispute date ], I disputed these items with all three CRAs and invoked 15 U.S.C. 1681i ( FCRA 611 ), which requires a reasonable investigation and obligates the CRAs to obtain documentation from the furnishers. No verification records were producedno applications, signatures, identity documents, or payment history. 
Despite the absence of evidence, the CRAs marked these fraudulent items as verified, violating 1681i, and triggering the mandatory deletion requirement under 1681i ( a ) ( 5 ) ( A ) because the information can not be verified. 

Because my personal data was compromised during the Equifax breach, inaccurate and fraudulent accounts are being furnished under my identity. This violates 15 U.S.C. 1681b ( FCRA 604 ( a ) ), which prohibits furnishing consumer report information without proper identity matching and a valid permissible purpose. 

Most importantly, under 15 U.S.C. 1681c-2 ( FCRA 605B ), once a consumer reports identity theft and submits an identity theft statement, the CRA must block and delete the identity-theft-related information within 4 business days. These accounts are the result of identity theft and compromised personal identifiers, and therefore must be removed as required by federal law.

I am requesting CFPB intervention for full removal under 1681c-2 ( 605B ), 1681i ( a ) ( 5 ) ( A ), 1681b, and the general protections under 15 U.S.C. 1681. I am not requesting an update. I am requesting complete deletion of all fraudulent derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
My credit reports dated XX/XX/year> contain multiple derogatory accounts that were never opened, authorized, or validated by me. These accounts appeared after my personal data was compromised in the Equifax breach, and I am reporting this as identity theft. I am not requesting an update or correctionI am requesting full removal and a XXXX identity theft block. 

The following fraudulent accounts were inaccurately attached to my file : XXXX XXXX showing a {$2400.00} charge-off with late-payment reporting. 

XXXX XXXX showing a {$5900.00} charge-off and late-payments ranging from 30150 days. 

XXXX XXXX showing a {$3300.00} charge-off and multiple late-payment entries. 

XXXX XXXX showing a {$7100.00} charge-off and 60180 day late-payment reporting. 

XXXX XXXX showing a {$710.00} charge-off and delinquent reporting. 

On [ insert your dispute date ], I disputed these items with all three CRAs and invoked 15 U.S.C. 1681i ( FCRA 611 ), which requires a reasonable investigation and obligates the CRAs to obtain documentation from the furnishers. No verification records were producedno applications, signatures, identity documents, or payment history. 
Despite the absence of evidence, the CRAs marked these fraudulent items as verified, violating 1681i, and triggering the mandatory deletion requirement under 1681i ( a ) ( 5 ) ( A ) because the information can not be verified. 

Because my personal data was compromised during the Equifax breach, inaccurate and fraudulent accounts are being furnished under my identity. This violates 15 U.S.C. 1681b ( FCRA 604 ( a ) ), which prohibits furnishing consumer report information without proper identity matching and a valid permissible purpose. 

Most importantly, under 15 U.S.C. 1681c-2 ( FCRA 605B ), once a consumer reports identity theft and submits an identity theft statement, the CRA must block and delete the identity-theft-related information within 4 business days. These accounts are the result of identity theft and compromised personal identifiers, and therefore must be removed as required by federal law.

I am requesting CFPB intervention for full removal under 1681c-2 ( 605B ), 1681i ( a ) ( 5 ) ( A ), 1681b, and the general protections under 15 U.S.C. 1681. I am not requesting an update. I am requesting complete deletion of all fraudulent derogatory information.

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