vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX  XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern, This letter serves as my formal and final notice that, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby directed to cease and desist all further communication with me regarding the alleged debt referenced above. 

Be advised : XXXX. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, you must do so except to advise that collection efforts are being terminated, or that specific legal remedies will be pursued. 
XXXX. Any further communication outside of these narrow exceptions will constitute a willful violation of federal law and will be documented as such. 
XXXX. Any such violation will subject Midland Credit Management XXXX XXXX to liability under 15 U.S.C. 1692k, including actual damages, statutory damages, costs, and attorneys fees.

Additionally, in accordance with 15 U.S.C. 1692g, I hereby demand full and proper validation of the alleged debt, including but not limited to : Identification of the original creditor ; Itemization of the alleged balance ( principal, interest, and fees ) ; A copy of the signed agreement or contract creating the obligation.

Absent such validation, you are required to immediately cease all collection activity and remove any derogatory information you have reported to consumer credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Failure to comply with this notice will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. Furthermore, I reserve the right to initiate a civil action against Midland Credit Management XXXX XXXX for statutory damages, costs, and attorneys fees pursuant to federal and state law. 

This notice is provided to you in good faith and shall be deemed sufficient evidence of your receipt of my demand to cease and desist under applicable law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX account was hacked it was linked to my cash app account balance. I reached out to both Cash App Support and XXXX immediately. My cash app card was locked. The hacker bypassed my locked cash app card and made several purchases from my cash app balance from my checking banking account on Cash App with XXXX XXXX  and XXXX XXXXXXXX XXXX The scammer change my personal information on my XXXX account, my email, phone number, and shipping/delivery address. When I was alerted I immediately alerted cash app support and XXXX 's customer service. Cash App refuse to refund me {$660.00} but they refunded me the lesser amount {$330.00}. Both transactions were done within one minute of each other XXXX and XXXX. I did not purchase, or authorize, consent, or give permission to anyone to hack my account, make purchases, and steal from me. Cash App stated it appeared to them I purchased or authorized someone to purchase for {$660.00} but the {$330.00} was refunded? How so? They also stated it appeared purchased from my phone. Not so I had my phone in my possession at all time and I sent in phone records. They refused to be fair and just to refund me the rest of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: SC

Complaint narrative:
There are XXXX issues : XXXX ) My PNC Savings account currently shows a {$0.00} balance when it should have a balance of {$33000.00}, not including automated monthly transactions. 
XXXX ) Confirm a PNC Savings deposit ( on hold for unknown reasons ) made on XX/XX/year> in the amount of {$220000.00}. 
XXXX ) Total account balance for XXXX XXXX above should be ( approximately ) {$260000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account that has been inaccurately reported on my credit file. I want to make it abundantly clear that I did not authorize, apply for, or use this account in any way. Its presence is a misrepresentation of my financial history and has resulted in undue harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX  Midland credit management started contacting me regarding a Credit card debt, they have tried multiple times to collect this debt from me. They eventually tried to sue me in Florida court where my attorney advised them that this debt they are trying to collect on was identity theft. Midland credit management has not been able to supply any documentation that shows my ownership of this account beyond a couple of credit card statements from XXXX years ago. They do not have any signed contracts or proof beyond these credit card statements. Over the past few years I have reached out to them multiple times in regards to this identity, theft issue, and they have not done anything other than continuing to pursue the debt. They refuse to work with me. And continue to report this debt to the credit bureau. At this point after XXXX years, they need to move this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 am writing this complaint with absolute certainty and deep frustration, as there are several errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and damaging my credit score, preventing me from achieving financial stability and freedom.

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 2025-08-26 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 am writing to dispute an inaccurate late payment entry reported on my account. This entry is not correct, as I have always made payments on time, and my records clearly reflect this. The presence of such an error on my credit report has caused undue harm to my financial standing and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding deceptive financing practices related to my purchase from XXXX. On XX/XX/year>, I purchased a dog from XXXX and financed the purchase using the credit program they promoted. At the time of purchase, the financing was presented as a 0 % interest for 24 months promotional offer. What was not clearly disclosed to us was that this was a deferred interest loan meaning if the balance was not fully paid off within the XXXX promotional period, all accrued interest from the original purchase date would be retroactively applied to the balance. Unfortunately, due to financial hardship, we were unable to pay off the balance in full within the promotional period. Once the period ended, the lender added a massive amount of interest to the loan, increasing the balance to an unreasonable and unaffordable amount. The interest added to the loan was over {$6200.00} making the loan balance over {$11000.00} when my original purchase amount was only {$8700.00} and we paid down to about {$5400.00} on the loan. We believe this financing was presented in a misleading way at the point of sale. The terms were not explained clearly, and the true cost of financing was not transparent. Had we understood that the full amount of interest would be added retroactively, we would not have agreed to the financing. We called Comenity to discuss this several times and were met with crudeness and walls. I would like to come to an agreement and solution for the payoff. We are now expecting our third child any day now and the expense is stripping us thin financially trying to get the higher balance paid. We feel these practices were deceitful and XXXX definitely took advantage by not disclosing information at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Friday my account was overdrawn to which I put the money into the account on Saturday to avoid a late fee as they until the next day to do so at Wellsfargo. By the end of Saturday my account was positive. On Monday, later in the evening I had a charge go through that I was unaware of. I saw Tuesday morning. Of course I am moving money into the account, however I was charged a late fee of {$35.00}. This is the second time this has happened. The banker on the phone explained it as nothing goes through until Monday or Tuesday, even though my account shows positive they don't count it. Last month on XX/XX/XXXX, it took the bank an extra day to verify, so I was charged {$35.00} for that time as well, even though I showed positive. They told me that becuase it came in late Monday, and the others were going through ( even though I show and can see it as positive ) that is the way the system is set up. I feel very strongly that I was charged the {$70.00} due to a system failure on there side. They won't correct citing that when my store flooded in XXXX that they helped out by waiving fees ( I wasn't watching the account, that is on me and they waived a few of the fees ( wasn't looking at the account, during an emergency ). I do feel that they need to change the set up for there program as it misleading. 

They created a loop hole that is unfair and misleading. 

Wellsfargo XX/XX/XXXX : Charged {$35.00} XX/XX/XXXX : Charged {$35.00}

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 2025-08-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-26 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: FL

Complaint narrative:
I am filing this complaint because my student loan servicer and the credit bureaus are reporting late payments during a period when my account was in approved deferment, which is factually inaccurate. 

Here are the facts : In XX/XX/XXXX, my servicer approved my deferment request, effective XX/XX/XXXX XX/XX/XXXX. 
Despite this approval, my credit reports show late payments ( XXXX days past due ) between XXXX and XX/XX/XXXX. 
By definition, deferment means no payments were required, so reporting delinquency for that same time period is inaccurate. 
Although the servicer updated my account to current and marked it as in deferment, they refuse to remove the late payment history. 
This inaccurate reporting has caused my credit score to drop by XXXX points, severely harming my financial standing. 

Steps I Have Taken : I disputed this directly with the servicer and all three credit bureaus. 
The servicer responded that the reporting was accurate. 
However, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to ensure maximum possible accuracy of information reported. Reporting lates for a deferment period is objectively not accurate.

Company response to consumer: Closed with explanation