vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Request for Debt Validation XXXX Cease & Desist To Whom It May Concern, I am writing in response XXXX a collection notice I received regarding the alleged account. This letter is being sent pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX and XXXX ( c ). 
I do not acknowledge this debt XXXX request that you provide full validation XXXX  verification of this alleged debt, including but not limited to : XXXX. The original creditors name and address. 
XXXX. The amount of the alleged debt, including a breakdown of interest, fees, XXXX  any other charges. 
XXXX. A copy of the original signed agreement or contract bearing my signature. 
XXXX. A complete payment history on the account. 
XXXX. A copy of the assignment or sale agreement from the original creditor, establishing your authority XXXX collect on this account. 
Furthermore, pursuant XXXX XXXX XXXX. XXXX ( c ), I hereby request that you cease and desist from any XXXX all collection activities, including phone calls XXXX written communication, except for the purpose of providing the requested validation or informing me of any specific legal action you intend XXXX pursue. 
Please note that until you furnish the above documentation, any further attempts to collect this debt may constitute a violation of the FDCPA. 
This letter is sent in good faith with the intention of resolving this matter. Please provide your response in writing XXXX the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, XXXX false personal information made or reported without my knowledge or agreement completely stunned XXXX  grieved me. I've tried XXXX get clarification from the creditors, but they have blatantly refused XXXX give it XXXX me. I demand that the creditors act immediately XXXX be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, XXXX give comprehensive details about each account and inquiry, including dates, purposes, XXXX the kinds of credit products involved. To see what I'm complaining about, please refer XXXX  the attached 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 2025-04-21 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: MN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability XXXX obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required XXXX  report only accurate XXXX verifiable information. As it is your legal obligation XXXX ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability XXXX obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required XXXX  report only accurate XXXX verifiable information. As it is your legal obligation XXXX ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-21 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT XXXX DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED XXXX  SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 reported in to be removed. 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. XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Delete 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 explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 reported in to be removed. 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. XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Delete 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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I opened a USAA checking account in XXXX. At the time, I received a full printed copy of the Depository Agreement and Disclosures because I had not yet selected communication preferences. Shortly after, I updated my account to digital-only communications and no longer received paper mailings. 

In the years that followed, I was charged foreign transaction fees on my debit card without ever being clearly informed or reminded that these fees applied. USAA began issuing short, 6-page revised agreements digitally, which included only a summary of changes but did not provide direct access to or instructions for retrieving the full 50+ page agreement that contained the complete list of terms and fees. 

Although I continued to receive digital updates, I was never provided a full digital version of the complete agreement. The only documents I received were short 68 page summary updates, which did not include any mention of foreign transaction fees or instructions on how to access the full agreement. 

In the XXXX update, USAA claims they mailed me a full paper copy of the agreement despite my account being set to digital-only at the time. I never received that mailing, nor was I informed how to find the full version online. Then in the following years, I received another brief digital revision, again with no mention of foreign transaction fees, and no guidance on how to view the full document. 

Eventually, I was able to review a full version of the agreement from XXXX, and I found the foreign transaction fee listed under the section : ATM Fees ( Foreign Transaction Fee ) : 1 % of Transaction Amount. 
This wording reasonably sounds like it applies only to ATM withdrawals in foreign countries, not to regular debit card purchases, which is how the fees were actually being charged. This unclear presentation contributed directly to my misunderstanding and is a key reason I didnt notice or question these fees sooner. 

When I contacted USAA about the issue, it was escalated to the CEOs office. I was told that because I accepted the XXXX update, the fees were now my responsibility even though the updates did not clearly mention them and I was never pointed to the full document. The representative even admitted they do not send the full agreement during updates or give customers instructions for finding it. 

I feel misled by the lack of proper disclosure, the failure to clearly communicate the foreign transaction fee in a way customers can reasonably understand, and the lack of transparency around how to access full account terms especially after opting into digital-only communication.

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 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Fresno Credit Bureau contacted us through XXXX XXXX. I asked for the following documents. 

1. Copies of the good faith estimates. 
2. Original invoices that were provided to me by the XXXX XXXX office. 
3. Copies of all the documents that were signed These documents were not provided

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 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Dear Consumer Financial Protection Bureau, Since 2023, all three major credit reporting XXXX, Equifax, and Experianhave been erroneously and inconsistently reporting my XXXX XXXX account ( # XXXX ) as not paid in full, despite the fact that the account was satisfactorily paid off in full in the amount of {$3200.00}. 

Each credit bureau is reporting different false or inaccurate information, none of which reflects the correct status. This misinformation is negatively impacting my credit profile and causing undue harm. 

XXXX XXXX has confirmed that the loan was fully satisfied and is in the process of resending the official payoff certification. Once received, I will upload the document as additional supporting evidence to this complaint. 

I respectfully request that the CFPB assist in ensuring that TransUnion, XXXX XXXX XXXX  promptly correct the status of this account to reflect : Paid in Full Closed or Paid Satisfactorily Under the Fair Credit Reporting Act ( FCRA ), these credit reporting agencies are obligated to report accurate information. Their continued failure to do so is a violation of those standards and requires urgent correction. 

Thank you for your assistance in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I received XXXX identical physical letters from BMO notifying me that both of my credit card accounts were being closed due to a periodic portfolio review. The letters stated that my accounts had already been closed as of XX/XX/year>, yet I received no prior warning or digital notice about this action. 



In fact, up until I received the letter, my BMO mobile app continued to show both accounts as active, including available credit, a minimum payment due in XXXX, and no alerts or notifications about any issues. There was nothing to indicate the accounts had been closed more than XXXX weeks earlier. This lack of transparency left me completely unaware that any action had been taken. 



XXXX of the XXXX cards was originally issued by XXXX XXXX XXXX XXXX with which I had a long-standing, positive relationship prior to its merger with BMO. Both cards had been open for over XXXX years and were always kept in good standing : no late payments, regular usage, and balances well managed. 



Just a few days before I received the letter, I voluntarily made a {$650.00} payment toward XXXX of the cards not because it was due, but to lower my balance and improve my credit utilization. Had I known the account had already been closed, I would not have made such a large payment. The timing made the closures feel especially unfair and misleading. 



Why Im Concerned : I understand that card issuers reserve the right to close accounts, but the way this was handled was abrupt, confusing, and lacked any proactive communication. The closure of XXXX accounts in good standing without warning, shortly after a large voluntary payment, and with no indication on my online account has caused a sudden drop in my available credit and negatively affected my credit score.

I contacted BMO through their secure message system twice. The first response gave me only a customer service phone number. In my second message, I asked for my concerns to be escalated to the appropriate team and requested a response via email. BMO responded saying there was no way to contact that team by email and still directed me to call. Additionally, they stated that my credit report wasnt even reviewed as part of their decision which raises concerns about the basis and fairness of their internal review process.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
They claim they are not reporting it on my credit .. That they do not own it. and that there company innt trying to collect on this account and that NO WERE! is the name on credit reports. I sent them proof a copy of my Equifax and other credit reports plus I am sending you a copy as well THIS IS A REPLY BACK TO XXXX i uploaded a copy of the proof that this company is on my credit report even though they claim they are not! Also they admitted with there own word that this account isn't being collected by them and that there name isn't on my reports showing collection causing me problems false claims making my credit lower

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB Corporation
State: PA

Complaint narrative:
They claim they are not reporting it on my credit .. That they do not own it. and that there company innt trying to collect on this account and that NO WERE! is the name on credit reports. I sent them proof a copy of my XXXX and other credit reports plus I am sending you a copy as well THIS IS A REPLY BACK TO XXXX i uploaded a copy of the proof that this company is on my credit report even though they claim they are not! Also they admitted with there own word that this account isn't being collected by them and that there name isn't on my reports showing collection causing me problems false claims making my credit lower

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 2025-04-21 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: PA

Complaint narrative:
They claim they are not reporting it on my credit .. That they do not own it. and that there company innt trying to collect on this account and that NO WERE! is the name on credit reports. I sent them proof a copy of my Equifax and other credit reports plus I am sending you a copy as well THIS IS A REPLY BACK TO XXXX i uploaded a copy of the proof that this company is on my credit report even though they claim they are not! Also they admitted with there own word that this account isn't being collected by them and that there name isn't on my reports showing collection causing me problems false claims making my credit lower

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 2025-04-21 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: NC

Complaint narrative:
I am a victim of identity theft. There is a car some credit cards amongst othere things on my credit that I didnt give anyone authorization to open or give anyone permission to open these acocunts. This is really affecting my ability to move forward on life and to provide properly for my family.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am writing to address an auto loan account I had with Global Lending, which I had to return to the bank in 2018 due to serious health issues. During that time, it was impossible for me to continue making payments, and as a result, I returned the vehicle and the account was closed.

At this time, I am not disputing the debt, as according to federal law, this account should have been removed from my credit report after the 7-year period. I have noticed that while this account appears as closed on my Experian and TransUnion credit reports, it is still being reported as open on my Equifax report.

I kindly request that you review this matter and proceed with the removal of the account from my Equifax credit report in accordance with the applicable federal laws.

Thank you in advance for your attention to this matter. I trust this issue will be resolved promptly and in compliance with the law. Please feel free to contact me if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief