vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management 's misleading and coercive debt-collection practices related to an account originally owed to XXXX. 
In or around XX/XX/year>, I contacted representatives of Midland Credit Management who informed me that my account had been placed in " pre-legal '' status and that I needed to set up a payment plan immediately to avoid further legal action. The representative implied that a lawsuit was imminent and stated that the account could no longer be negotiated or settled due to its " pre-legal '' status. 
Feeling pressured and intimidated by the suggestion that I was about to be sued, I agreed to a payment plan under duress. I later confirmed that no legal case had been filed or even authorized at that time. The " pre-legal '' description was used solely as leverage to coerce payment and deny my right to negotiate.

While Midland subsequently provided validation of the debt, the issue here is how the collection was conducted. The statements made to me were misleading, in violation of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) and the Massachusetts Debt Collection Regulations ( 940CMR7.00 ) I never recieved any documentation stating that my account was up for pre legal status. I am providing documentation of proof of last correspondence. Of which does not state anything regarding legal pursuant or deadline for response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo Bank Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports late payments after being closed and paid ; inconsistent payment history. FCRA 1681s-2 ( b ) ; FDCPA 807 ( 8 ) Cushman v. TransUnion ( 1997 ) ; Saunders v. BB & T ( 2008 ) Please delete or PAY THE {$1000.00} VIOLATION

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFFIRM INC Account XXXX XXXX XXXX XXXX XXXX XXXX The reported late payment appears to be an error. Please validate the account with the original signed agreement and full payment history. If full verification can not be provided, please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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. 
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 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
United Collection Bureau , Inc. ( UCB ) contacted me by email regarding an alleged XXXX XXXX account ending in XXXX. The email offered settlement options through the website consumer-view.ucbinc.com referencing balance {$570.00}. I have not received any lawful debt validation under 15 U.S.C. 1692g ( b ).

Before I consider or acknowledge any obligation, I am requesting full verification of this account. Acceptable validation must include : A copy of the original signed agreement or application establishing the account.

A complete itemized statement of all transactions, interest, and fees leading to the balance. 
Proof of ownership or assignment from XXXX showing UCBs legal authority to collect. 
Proof that UCB is licensed to operate in Washington State under RCW 19.16.110 and .250.

Disclosure of whether XXXX or UCB is reporting this debt to credit bureaus and what updates will occur after any settlement. 

My TransUnion report ( XX/XX/year> ) lists only XXXX XXXX as a charge-off ; UCB is not listed as a data furnisher. Until complete documentation is produced, I request that all collection activity cease and all communication occur in writing only. 

This complaint is submitted solely to verify accuracy, licensing, and compliance. It does not admit ownership or liability for any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / 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 Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX  ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute several inaccurate and incomplete items on my Experian credit report. I am requesting a lawful reinvestigation and correction or deletion of the following entries under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Reports as Charge-Off/Collection with a balance of {$1400.00} and comments Customer disputed account. 
Inaccuracy : A charge-off indicates loss, yet a balance continues to report. This is inconsistent and violates the requirement for maximum possible accuracy under 1681e ( b ). 
Requested Action : Delete this account for failure to maintain accurate and verifiable reporting data. 
XXXX. XXXX Account # XXXX Reports as Charge-Off with {$4200.00} balance. 
Inaccuracy : Missing Date of First Delinquency ( DOFD ) and inconsistent balance reporting. 
Requested Action : Delete or verify with original charge-off documentation showing the correct DOFD and loss certification. 
XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Reports as Closed due to inactivity and Charge-Off.

Inaccuracy : These statuses can not coexist. If charged off, it can not also be closed due to inactivity. 
Requested Action : Delete for inconsistent and unverifiable reporting. 
XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Reports Charge-Off/Collection with {$1600.00} past due, also listed as Closed due to inactivity. 
Inaccuracy : Conflicting statuses and inconsistent payment history across months. 
Requested Action : Delete or correct to Closed {$0.00} balance if verified paid or cancelled. 
Additionally, please update my personal information as follows : Keep : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Remove : XXXX XXXX XXXX XXXX XXXX IN XXXX and XXXXXXXX XXXX XXXX XXXX IN XXXX Remove outdated employers : 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 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

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Eliminate my report and file as I am a victim of identity theft. I hv not authorized this. Remov all infor to repair my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Eliminate my report and file as I am a victim of identity theft. I hv not authorized this. Remov all infor to repair my credit.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Prepared for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX, Washington XXXX DC XXXX Subject : XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violations and Request for Investigation Dear CFPB Representative, I, XXXX XXXX, am submitting this formal complaint regarding inaccurate and misleading reporting by XXXX XXXX XXXX XXXX XXXX  on Account XXXX XXXX XXXX XXXX XXXXXXXX, furnished to Equifax. This account was closed in XX/XX/XXXX with a Date of First Delinquency of XX/XX/XXXX, yet continues to report a new Date Reported of XX/XX/XXXX, and a chargedoff balance of {$11000.00} {$1500.00} over the credit limit of {$10000.00}. 
These actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) as detailed below : 1 Re-Aging / Improper Date Reported Account closed XX/XX/XXXX but Equifax shows Date Reported XX/XX/XXXX, creating a false appearance of recent activity in violation of FCRA 623 ( a ) ( 2 ), 607 ( b ).

2 Incorrect Balance Reporting After Charge-Off Account marked Charged Off / Closed yet lists a balance of {$11000.00}, violating FCRA 607 ( b ).

3 Over-Limit Balance Discrepancy Reported balance exceeds the {$10000.00} limit ( {$11000.00} reported ), an impossibility postclosure, violating 607 ( b ).

4 Contradictory Account Timeline DOFD XX/XX/XXXX conflicts with Reported XX/XX/XXXX, implying new activity on an inactive account, violating 623 ( a ) ( 1 ) ( A ).

5 Missing Date of Last Activity Field left blank, preventing 7year reporting limit calculation under 605 ( c ).

6 Lack of Human Verification Five disputes marked resolved by data furnisher without documentation, violating 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( B ). 
7 Failure to Provide Proof of Ownership Sold To : blank; continued balance reporting without ownership proof violates 623 ( b ).

8 Ongoing Updates After Closure Account shows monthly updates despite closure, constituting false continuation under 623 ( a ) ( 2 ). 
Requested Resolution : I respectfully request that the CFPB require XXXX XXXX XXXX XXXXXXXX XXXX and Equifax to provide documentary proof of this tradelines ownership, validity, and accuracy. If such proof can not be produced within 30 days, I request permanent deletion of this tradeline from all consumer reporting agencies and statutory damages of {$1000.00} per violation under FCRA 616 and 617.

Additionally, this account must not be reinserted into my credit file without prior written notice in compliance with FCRA 611 ( a ) ( 5 ) ( B ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Someone wanted to send me money to transfer on the XX/XX/XXXX so they could have it on there XXXX XXXX, I was told they could not send it threw there account so they ask me I had no idea of the money being fraudulent or anything dealing with it I tried to do a favor for someone n did not know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. I have reviewed my report and found a late payment entry for Account Name : XXXX XXXX Account Number : XXXX which I believe is incorrect. I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. I appreciate your prompt attention to this matter. Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. Thank you for your 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America closed one of my business checking accounts several months ago and informed me that they would mail a check for the remaining balance. It has now been over three months, and I have not received the check or any of the funds. I have contacted the bank multiple times for updates, but I continue to receive no resolution or confirmation of when or where the funds were sent. 

This situation is causing a financial impact to my business because the funds in that account belong to my company and should have been promptly returned. I believe the bank has failed to properly handle the disbursement or track delivery of the funds. 

Details : Bank : Bank of America Account type : Business checking account Account status : Closed by the bank Date of closure : XX/XX/year> Promised action : The bank stated they would send a check with the remaining balance. 

Issue : No check or payment has been received. No tracking information or confirmation has been provided. 

I have made several attempts to resolve this issue directly with Bank of America, including phone calls and branch visits, but the matter remains unresolved. The bank has not provided a replacement check or verified whether the original was lost, mailed to the wrong address, or sent to unclaimed property. 

Requested Resolution : I request that Bank of America : Immediately locate the funds from the closed business account. 

Reissue or release the check with the full remaining balance. 

Provide written confirmation of the check number, amount, and mailing date. 

If the funds have been sent to the state as unclaimed property, I request that the bank provide documentation of when and to which agency the funds were transferred. 
As of today XX/XX/year>, Bank of America representative confirmed on the phone that she has no idea when we will receive the money or when it will be released and they are giving me no 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 monetary relief