vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom mortgage account was paid off after bankruptcy with a refinance loan so this account was paid off and closed but its listed as open and late on all my credit reports this was paid off as closed in 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I tried to get a replacement card for my account With USAA Banking starting XXXX. It was flagged for review at that time. I called back in on XXXX on the general number to find out what is going on with my card. I was informed it was never ordered. The agent then ordered me another replacement card only to get the same under review message. I was told it should be good to go. I called back again on XXXX to find out the tracking number for the replacement card. The agent again told me it was not ordered and reordered yet another card. I waited till XXXX for the card that never showed. After being transferred from one agent to another. I finely got to someone that was the head of customer relations. When i asked for the information of why have I not received my card. I was informed that it was under review by the fraud department. When i asked to be transferred to that department the informed me that they could not transfer me to them. I asked why and the agent responded with they do not have a phone to transfer me to. I asked for is there any way I can contact the fraud department that is reviewing my card, they said there is no means for me to contact them. If you call the main number you will never be connected to the fraud department you get different versions of customer services. The only thing they can do is put work orders into the front fraud or the back fraud but can not connect you to them.

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 2025-11-14 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ) due to improper collection practices, failure to provide required notices, and reporting inaccurate information to all three credit bureaus without prior communication. 

On XX/XX/year>, I received my first and only written letter from Midland Credit Management stating that I had until XX/XX/year> to contact them to make payment arrangements on an alleged debt in the amount of {$2800.00}. Midland stated in the letter that the account was charged off and sold to them.

However, prior to receiving this letter, Midland Credit Management never attempted to contact me, never provided any validation notice, and never sent any communication by mail, phone, or email. Despite having no prior contact, they reported this alleged debt to all three credit bureaus as past due, which is inaccurate and misleading.

Their failure to communicate before reporting, and their failure to provide the legally required written validation notice, violates the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ) Midland did not send a written validation notice within 5 days of the initial communication, because no initial communication occurred.

15 U.S.C. 1692e Reporting a charged-off debt as past due is false, deceptive, and materially misleading. A charged-off debt can not be reported as currently past due.

15 U.S.C. 1692e ( 8 ) Furnishing information to credit bureaus that is known or should be known to be inaccurate.

15 U.S.C. 1692d Unfair and unprofessional collection practices by reporting debt before attempting contact.

Their actions also violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s2 ( a ) Furnishers may not report information they know to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy.

A chargedoff debt can not legally continue to be reported as past due.

I was never provided the opportunity to validate or dispute the debt before it was reported, which is a clear violation of my rights under federal law.

Given my history of identity theft and several documented data breaches affecting my full personal information, this alleged debt may be fraudulent or tied to compromised personal data. Midlands failure to validate the debt prior to reporting significantly harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I have recieved an email regarding my account be subject to overdraft fees even though it is not negative. The issue is not necessarily that my account is being threatened but rather I called Wells Fargo Customer service and their front end associate hung up on me after refusing to provide me sufficient details as to why this was happening. I would like help investigating why I am not being provided customer service to ask simple questions regarding my account without being hung up on by their front end support. Any help would be appreciated! 

Thanks, 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 2025-11-14 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: CA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$160.00} Inquiries XXXX  - Date : XX/XX/XXXX Positive Accounts No positive accounts listed for Equifax. 

Late Payment Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
b"Fair Credit Billing Act dispute\n\nI am under XXXX  liability of unauthorized transactionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtodays date will be XXXX XXXX XXXXContinental Finance / Card ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Dispute of Unauthorized Charges\nAccount Number last four: XXXXTo Whom It May Concern,\n\nI am writing to formally dispute several unauthorized charges that have appeared on my credit card account. I did not make these transactions, nor did I authorize anyone else to use my card for these purchases. I request that these charges be investigated, reversed, and that any related fees or interest be removed from my account.XXXXBelow are the disputed transactions as shown on my account activity:\n\nUnauthorized Charges  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese transactions were not made by me, and I believe my card information may have been compromised. I have already reviewed all recent account activity, and these charges are the only ones I am disputing at this time.\n\nIn accordance with the Fair Credit Billing Act, I request:\n\nImmediate removal of the unauthorized charges listed above.\n\nSuspension of any interest or fees tied to these transactions during the investigation.\n\n\nWritten confirmation that my dispute has been received and that the investigation is underway. Please don't violate the Fair Credit Billing Act, \n\nI have included screenshots of the disputed transactions for your reference. Please let me know if you require any additional information to resolve this matter.XXXX\nmy statement of fact is:XXXXlost the card\ndon't remember where\ncant remember whereXXXXXXXXThank you for your prompt attention.\n\nSincerelyXXXX 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 2025-11-14 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:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX  PNC BANK PNC XXXX XXXX XXXX, XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following ACCOUNTS FROM THIS COMPANY : PNC BANK, ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : {$1700.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

I DEMAND the following ACCOUNT listed BELOW be UPDATED to PAID/NEVER LATE OR PAID AS AGREED IMMEDIATLY ACCOUNT NAME : PNC BANK , ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Examine the materials ; the questions arrived without notice and could be unapproved.

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 2025-11-14 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information that is inaccurate on my Equifax credit report. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I dispute this account as it is incorrectly reported, as no charges have been made on this account. 

Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX These inquiries are incorrect and unauthorized. I request that they be removed from my credit report. 

Late Payments : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: HI

Complaint narrative:
I am submitting this filing regarding inaccurate and incomplete information on my credit report with Experian. The following accounts are disputed due to discrepancies and errors. I request that these matters be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$470.00} Inquiries : None listed for XXXX 

Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2025-11-14 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: CO

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-11-14 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: MD

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Equifax only collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe account is shown in collection on TransUnion and Equifax only also showing XXXXate payment history on Experian and Equifax only collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Equifax only also showing late payment history on Experian and Equifax only collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with explanation