vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Midland Credit Management , Inc . 
P.O. XXXX XXXX XXXX, MI XXXX RE : CEASE AND DESIST & FORMAL REQUEST FOR VALIDATION OF DEBT Account Number : XXXX Balance Reported : {$720.00} To Whom It May Concern : This letter serves as a formal dispute and Cease and Desist request concerning the above-referenced account, which you are attempting to collect. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and 1692c ( c ).

Cease and Desist Demand You are hereby instructed to immediately cease all forms of communication with me regarding this account. This includes phone calls, emails, letters, or any other contact. You are permitted only XXXX final notice if you intend to pursue legal action or to confirm that you will cease collection. 
Any other contact will be considered a violation of federal law and will be documented accordingly. 

Debt Validation Demand Under 15 U.S.C. 1692g, I am demanding complete legal validation of this debt. Please provide : A copy of the original signed contract or agreement showing I am legally obligated to this debt. 
A full itemized breakdown of the {$720.00} balance, including interest, fees, payments, and any changes. 
A complete account flow sheet from the original creditor, not just Midland Credit. 
Full proof of legal assignment or ownership, including all transfer documents showing the chain of custody. 
Your state license to collect in Illinois. 
The name and title of the person who verified this debt for credit reporting purposes. 
A billing statement or summary is not sufficient under XXXX XXXX. XXXX and will be treated as non-compliance. 
XXXX XXXX XXXX XXXX to validate this debt or continued reporting without verification will result in : A complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A violation report to the Federal Trade Commission ( FTC ) Notification to the Illinois Attorney XXXX XXXX XXXX civil action for violations of the FDCPA and FCRA You have 30 days from receipt of this letter to comply or remove the account from all credit reports ( Equifax, Experian, and TransUnion ). 
Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding a charged-off account currently being reported by XXXX on my credit file. This account was opened in XX/XX/year> and is listed with a balance of {$200.00}. It is being reported as 'Charged off ', with the remark : 'Charged off account, Profit and loss write-off '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus. 

This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

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 2025-08-02 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing in regard to an account or collection claim appearing under the name from creditors listed below which has either reported derogatory information to XXXX or more consumer reporting agencies or has otherwise attempted to collect an alleged debt. 
I hereby dispute the validity of this alleged debt and demand immediate verification of all claims, pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Contract Law Requirement of mutual agreement and signed obligation I requested a copy of original contract with my signature with these specific creditors requesting payment in XX/XX/2023. Experian has done investigation and deleted it. however, Equifax and TransUnion have not removed these items from collections I ask that you remove these collections off my account immediately. 
XXXX {$12000.00} XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp closed my account for breaking rule of conduct I didnt do nothing wrong Im confused on what I did I email them and everything and they just said I broke a rule and never explain it so Im XXXX and I lost money from It too The email and phone number to the account is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I co-signed a {$130000.00} student loan through Sallie Mae for my daughters education, which was marketed and labeled as a XXXX loan. I was led to believe that this was a federal Parent PLUS loan, eligible for income-driven repayment, XXXX XXXX XXXX XXXX XXXX XXXX ), and other federal borrower protections. Only after disbursement and repayment began did I discover this was actually a private loan, not backed by the Department of Education. 

The use of the term XXXX was misleading and created confusion between federal Parent PLUS loans and private loans from Sallie Mae. I now face a substantial financial burden with no access to forgiveness programs or flexible repayment options. 

I believe this constitutes deceptive branding or bait-and-switch tactics in violation of consumer protection standards. I am requesting that the CFPB investigate Sallie Maes labeling practices and their clarity of disclosures during the origination of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
Under FCRA XXXX XXXX, the credit reporting agency must verify the accuracy of the disputed information within 30 days. If the information can not be properly verifiedincluding original contracts, signatures, chain of assignment, and payment historythen it must be deleted from my credit report. 

Note that a simple automated response from e-Oscar or a generic statement from the furnisher does not fulfill the legal requirement for full verification. I am requesting manual verification with documentation, not just a superficial confirmation. 

Additionally, per FCRA 1681i ( a ) ( 5 ) ( C ), any item previously deleted as a result of a dispute can not be reinserted into my credit report unless the furnisher certifies its accuracy and I am notified in writing within XXXX business days. If any of the disputed items are reinserted without proper notice and certification, I will consider this a violation and report it to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I have enclosed a copy of my credit report with the disputed accounts highlighted, along with a copy of my government-issued ID and proof of address for identity verification purposes. 

Please complete this reinvestigation within the XXXX period as required, and notify me in writing of your findings. If the accounts can not be fully verified with documented proof, they must be deleted permanently from my report.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Navy Federal Credit Union to inquire about a " protected interest purchase charge. '' I requested a clear explanation of this fee, as I have not encountered it on any other credit card account I have held. I spoke with multiple representatives from the credit card department, but I was repeatedly transferred between agents without receiving a clear answer regarding why I am being billed twice for interest charges despite being enrolled in a financial assistance program with your institution. When I requested to speak with a member of the financial assistance department, my request was denied.

Additionally, I waited on hold for approximately 1.5 hours before a supervisor responded, during which I experienced unhelpful and dismissive attitude, with comments suggesting that my inquiry was solely intended to avoid payment.

Lastly, this teller attempted to manipulate me into believing that I made a cash advance and never paid it, but I read on the fine print where it states if a cash advance is made in branch it won't incur a fee, which is what i did which she even stated herself. And yet Im still getting charged for a cash advance fee.

I find this level of customer service unacceptable. Although Navy Federal promotes itself as a military-friendly institution, my experiencesboth historically and during this incidenthave been marked by unprofessionalism and discourtesy.

I would appreciate a clear explanation regarding the double interest charges. If this issue can not be resolved promptly, I will consider closing this account and reporting the matter to the Office of the Inspector General for potential fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
XXXX condo burned down, totally destroyed 2 years ago. It was a rental property also. 
I contacted my mortgage company 5 days after the fire. I have been in communication at all time. 
Ask for a loan modification or forbearance. 
Filled all the documents they requested. 
They made me wait 2 years saying they were waiting for a third party document. 
And a week ago they said I was declined. 
And my choice are a short sale or foreclosure. 
My account was never delinquent prior to the fire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
TransUnion keeps reporting a XXXX account as a Charge-Off even though Experian deleted it for lack of verification. I submitted multiple disputes and formal validation requests, but TransUnion blocked my online credit report access and never provided a Method of Verification ( MOV ). This violates FCRA 609, 610, 611, and 623.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
respectfully request that the CFPB investigate Discover Financial Services for the following : 1. Issuance of an erroneous Form 1099-C and failure to correct or rescind it in accordance with IRS regulations .

2. Failure to remove or correct the inaccurate balance on my credit report in violation of the FCRA.

3. Any additional violations of federal consumer protection laws related to this matter.

Please compel Discover to : Rescind the erroneous Form 1099-C and provide confirmation to both me and the IRS.

Remove the inaccurate balance from my credit report with all major CRAs ( XXXX, XXXX, and XXXX  ). 
Provide written confirmation of these corrections to me within the timeframes required by law.

Supporting Documentation I have attached copies of [ list documents, e.g., Form 1099-C, my dispute letters, Discovers responses, credit reports, etc. ] to substantiate my claims. I am happy to provide additional documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am writing to formally dispute the account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6400.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, I accepted a XXXX balance transfer promotion with Wells Fargo at 0 % interest and have consistently paid all new charges in full each month. However, I was recently charged interest on my account. After speaking with a representative, I was informed that the promotional rate expired on XX/XX/XXXX. This contradicts the terms outlined in my documentation, which clearly states a XXXX promotional period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6900.00} Late Payment XXXX XXXX Issue : This account is inaccurately reporting a late payment which I dispute Law : FCRA Section 611 & 607 ( b ) Information must be accurate and verifiable Instruction : I demand a reinvestigation of this item and request a full method of verification Story : I have no recollection of any missed payments and was never notified properly of any delinquencies. This derogatory mark was added in error and is damaging my ability to secure favorable financial opportunities. The creditor has failed to provide sufficient documentation to justify this report XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry Law : FCRA Section 604 ( a ) ( 3 ) Hard inquiries require permissible purpose and written authorization Instruction : Provide proof of authorization or remove the inquiry immediately Story : I did not apply for any credit with XXXX on this date and was shocked to find a hard inquiry without my knowledge. This is a violation of my consumer rights, and I demand its removal and proper explanation I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: LA

Complaint narrative:
I am writing to formally dispute several fraudulent accounts and hard inquiries that appear on my Equifax credit report. I did not authorize or open these accounts or permit the listed inquiries. I am a victim of identity theft and request immediate removal of these items in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am filing this complaint because multiple bankruptcyrelated accounts are being inaccurately reported on my credit reports by Experian, Equifax, and TransUnion. 

I filed for XXXX XXXX XXXX and received a discharge, yet the following issues are present on my credit reports : 1. Several accounts are reported as Included in Bankruptcy ( IIB ) or ChargeOff but are showing postbankruptcy activity, which is not allowed. 
2. XXXX XXXX accounts are inaccurately reported as XXXX  XXXX adjustments when my bankruptcy was XXXX XXXX. 
3. These inaccuracies are materially false and are negatively impacting my FICO and Auto scores.

I have already filed disputes with the credit bureaus, and the accounts remain unverified and inaccurate.

Requested Resolution : Investigate and ensure that all inaccurately reported bankruptcyrelated accounts are corrected or deleted.

Require the credit bureaus to provide written confirmation of corrections or deletions.

Ensure compliance with FCRA 611 and 623, which require that only accurate and verifiable information be reported.

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 2025-08-03 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: CA

Complaint narrative:
I am filing this complaint because multiple bankruptcyrelated accounts are being inaccurately reported on my credit reports by Experian, Equifax, and TransUnion. 

I filed for XXXX XXXX XXXX and received a discharge, yet the following issues are present on my credit reports : 1. Several accounts are reported as Included in Bankruptcy ( IIB ) or ChargeOff but are showing postbankruptcy activity, which is not allowed. 
2. XXXX XXXX accounts are inaccurately reported as XXXX  XXXX adjustments when my bankruptcy was XXXX XXXX. 
3. These inaccuracies are materially false and are negatively impacting my FICO and Auto scores.

I have already filed disputes with the credit bureaus, and the accounts remain unverified and inaccurate.

Requested Resolution : Investigate and ensure that all inaccurately reported bankruptcyrelated accounts are corrected or deleted.

Require the credit bureaus to provide written confirmation of corrections or deletions.

Ensure compliance with FCRA 611 and 623, which require that only accurate and verifiable information be reported.

Company response to consumer: Closed with explanation