vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re : Formal FCRA Dispute XXXX XXXX XXXX ( Acct # XXXX ) Dear TransUnion Compliance Department, This is a formal dispute of the XXXX XXXX XXXX account appearing on my TransUnion file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Last Activity reported XX/XX/XXXX, conflicting with XXXX ( XX/XX/XXXX ). 
Account number truncated ( XXXX ), violating 609 ( a ) ( 1 ).

Reported as both

Charge-Off and Collection/Charge-Off. Dispute comments inconsistent with other CRAs.

Violations : 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ).

Metro 2 Breaches : Account Number, Date of Last Payment, Account Status, Compliance Code XB.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account in the amount of {$680.00}. The account was first reported as opened on XX/XX/XXXX, and as of XX/XX/XXXX, the balance remains {$680.00}. 

I have disputed this debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested : The name and address of the original creditor Proof that Portfolio Recovery Associates owns or has the legal right to collect the debt An itemized accounting of the amount being claimed A copy of the original signed agreement showing my obligation To date, the company has not provided the requested validation. Despite this, the account continues to be reported as past due and in collections. 

I believe this is inaccurate and unfair reporting. I am requesting that the company provide full documentation validating the debt as required by law, or remove this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I am writing to formally raise a complaint regarding an unresolved refund issue that originated from a XXXX transaction on XX/XX/2025. Despite multiple attempts to resolve this matter and providing all requested documentation, my funds have not been properly credited back to my account. 

Transaction Details Date of Transaction : XX/XX/2025 Amounts Debited : XXXX XXXX Refund Release Date from XXXX XXXX XX/XX/2025 Intended Receiving Account : MoneyLion Original Debator : XXXX Timeline of Events XX/XX/2025 : Unauthorized transactions occurred via XXXX for XXXX XXXX canceled previously, debiting XXXX and XXXX. 
XX/XX/2025 : XXXX confirmed both refunds were released back to MoneyLion. 
XX/XX/2025 : I was informed that the funds had already been returned. I have a transcript of this conversation. 
XX/XX/2025 : I received an email requesting documentation of the refunds and release dates. I promptly responded the same day with screenshots of the transactions. 
XX/XX/2025 : After receiving no response, I followed up by email but did not receive any update. 
XX/XX/2025 : I sent another follow-up email, again with no response. 
Supporting Documentation I can provide : Screenshots of the transactions showing refund and release dates. 
The email thread with attached documentation sent on XX/XX/2025. 
The transcript of the XX/XX/2025 conversation confirming the funds were returned. 
Copies of all follow-up correspondence sent on XX/XX/XXXX and XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I received a call from XXXX at XXXX XXXX on XX/XX/2025. A XXXX search shows this is Midland Credit Management. I called back at XXXX XXXX and told the man I don't live in Colorado I live in Maine and you can't call that late at night. He tried to tell me he called at XXXX XXXX but again, I live in XXXX, Maine not Colorado. Colorado is two hours behind XXXX. His exact words to me were " Well, what do you want me to do about it? ".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
In XX/XX/year>, I discovered a {$410.00} collection tradeline from Midland Credit Management on my XXXX  credit report, allegedly tied to a XXXX account. I have never had any account, service, or financial relationship with XXXX  This debt is not mine. 
Upon receiving notice, I immediately requested full validation from Midland, including itemized billing, the original account agreement, and proof of delinquency. They failed to provide any documentation. The account was reported without prior notice or substantiation, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I filed a formal dispute with XXXX, issued a cease and desist notice to Midland, and escalated the matter to the Consumer Financial Protection Bureau. As a disabled veteran, the accuracy of my financial records is critical to maintaining my security clearance and access to benefits. This erroneous tradeline has caused credit score damage, stress, and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I went into a Wells Fargo branch to pay off my car loan. I worked with one of the bank managers. He got the loan payoff amount of {$100000.00}. He helped me move that amount from my Wells Fargo checking account to my Wells Fargo car loan. The receipt ( copy attached ) stated the payment would be credited that day and reflected on the account the next business day. On XX/XX/year>, the next business day, I checked online and the amount had been deducted from my checking account but was not credited to my car loan. I called Wells Fargo and selected car loan on their automated call routing system. I spoke to?? XXXX XXXX??. She said she could not tell me where my {$100000.00} was and I should not call back for at least another 5 business days. I said that was not acceptable, it is not what was printed on my bank receipt, and I wanted to know where my money went. She said again that I needed to wait at least another 5 business days. I asked to speak to her manager or to an escalation department if they had one. After I persisted, she finally transferred me to an escalation department. I spoke to?? XXXX??. She said the same thing. She could not tell me where my money was and I should call back after 5 more business days and hopefully it would be credited on my car loan. This does not seem acceptable. Wells Fargo should be able to tell me what they are doing with my money and why it is has not paid off my car loan.

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 2025-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Easier Funding, LLC
State: MI

Complaint narrative:
I am filing a complaint against 60 Day Credit Repair for deceptive practices, unfair billing, unauthorized charges, and violation of the Credit Repair Organizations Act ( CROA ).

In XXXX, I signed up with 60 Day Credit Repair. Over the course of three months, they billed me a total of {$460.00}. 
They promoted their XXXX XXXX XXXX, which promised I would see a XXXX increase across the three credit bureaus within 90 days or they would continue work at no additional charge. 
I disclosed before signing up that I was actively shopping for a mortgage and that my credit would be pulled multiple times, creating new inquiries. I was assured this would not be an issue. 
Under their own warranty terms, new inquiries void the warranty. This means they knowingly signed me up and charged me for a guarantee they knew would not apply. 
After 90 days, they told me my warranty was voided because of a XXXXXXXX XXXX  credit line I opened at XXXX XXXX. This excuse is irrelevant, since the mortgage inquiries already voided the warranty and the company was aware of this upfront. 
The few items they did remove were reinserted on my reports within a week, providing no lasting benefit. 
After their initial service window, I canceled my debit card to stop further charges. Despite this, they somehow obtained my new debit card information and : Charged me {$170.00} in XX/XX/year> ( which I disputed with my bank ). 
Charged me again on XX/XX/year> for {$150.00}, also unauthorized and disputed. 
I did not authorize any renewal or provide my new debit card number. 



Harm Caused I paid {$460.00} for ineffective services.

I was then subjected to two unauthorized charges totaling {$330.00} after canceling my card.

This unauthorized access to my new debit card is highly concerning and constitutes fraudulent billing.

Laws/Rules Involved CROA prohibits charging for services before they are fully performed.

CROA requires a written, signed contract. I did not authorize any renewal. 
Deceptive business practices selling me a warranty they knew would be voided. 
Unauthorized use of my debit card is a violation of consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX MERCEDES BENZ FINANCIAL s failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX  has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
MERCEDES BENZ FINANCIA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
I sent this on the in may. They falsely stated that they did not receive notice .. they violated every law by falling to validate and to prove this debt!!! This is the information that was sent listed below!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI Re : Debt Validation Request Alleged XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are hereby notified : 1. I do not acknowledge or accept this alleged debt as mine. 2. You must provide strict proof that American Profit Recovery has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature. - A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated. - Documentation showing when and how American Profit Recovery acquired this debt, and proof of assignment or transfer from the original creditor. - Evidence that this debt is within the statute of limitations for collection under state law. XXXX. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. - I will use your failure to provide proper validation as part of my defense in court. - This letter serves as official notice that I will require all communications in writing only. You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. I expect a full written response within 30 days of receipt of this letter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally report multiple fraudulent accounts opened in my name without my knowledge or consent. I have recently discovered that the following accounts were opened under my personal information : XXXX Bank Date Opened : XX/XX/year> XXXX XXXX  Date Opened : XX/XX/year>XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Date Opened : XX/XX/year>XXXX Apple Card/GS Bank USA Date Opened : [ Date you found the fraud ] I did not apply for or authorize the opening of any of these accounts, and I believe I am a victim of identity theft. As a result, I am requesting that these accounts be investigated, removed from my credit file, and that all necessary steps be taken to rectify this issue. 

For your reference, I have enclosed [ or : I can provide ] copies of my identification, proof of address, and any other documents required to begin an investigation into these fraudulent accounts. Additionally, I request that a fraud alert be placed on my credit report, and I am requesting a credit freeze to prevent any further unauthorized activity. 
Thank you for your immediate attention to this serious matter. I trust that you will take swift and appropriate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: MD

Complaint narrative:
If you review your records, you have more data than I do. I have been filing complaints against XXXX and Department of Education since XXXX. XXXX XXXX removed the student loans after their investigation but somehow it back on all XXXX credit bureaus and stop me from purchasing a home twice of the time of my head XXXX and XXXX. It's not a lot using my annually pension only {$30000.00}. I was in the income driven program paying XXXX a month since XXXX and as of today it remains the same. 10 years to be forgiving has passed. I was told to pay the interest to keep my credit score up by XXXX  so I did ; although, I owe nothing according to the United States bankruptcy court. The amount is incorrect on my credit too. Yall just listen to the creditors, i provided you with bankruptcy papers. my bankruptcy was discharged XXXX so how can XXXX sell my case or transfer a false amount to Mohela. 
XXXX XXXX Acct. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SS # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have substantial doubts in the information being reported in my report. I believe there is not an accurate use of information being reported, and that any information should be completely accurate in order to be considered based on on the consumer law. Therefore I request information to be corrected immediately. Thank you. 
Information being disputed : XXXX XXXX, wrong addresses, wrong names, and wrong phone number.

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