vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I am responding to your communication regarding an alleged debt you claim I owe. This letter is not an acknowledgment of the debt, nor is it a refusal to pay. I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of the alleged debt.

Please provide the following information : Verification that I am the person who legally owes this debt, including : My full name, address, and identifying information associated with the debt.

Proof that you ( the collector ) have the lawful right to collect this debt.

The original creditors name and full contact information.

A complete itemization of the alleged debt, including : Original amount Dates and amounts of all payments made Interest, fees, or charges added ( with explanation for each ) A copy of the original contract, account agreement, or document containing my signature OR legally sufficient evidence of my obligation.

Proof of the chain of custody/assignment, including : Documents showing transfer from the original creditor to your agency Any previous debt buyers/collectors Your license information, including : Debt collection license numbers State ( s ) in which you are licensed to collect debts Registered agent contact information ( if applicable ) Under the FDCPA, you must cease all collection activitiesincluding phone calls, letters, and reporting to credit bureausuntil this validation is provided.

If you are reporting this debt to any credit reporting agency, please note that : You are required to mark it as " disputed '' until validation is complete.

Failure to do so may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Please send your full response to the address listed above. 
If you can not provide proper validation, please cease all collection efforts and remove any related negative credit reporting. 
Thank you for your cooperation. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-03 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: AL

Complaint narrative:
I am submitting this dispute to TransUnion regarding the following charged-off accounts, which I believe may be inaccurate or unverifiable. 

Charged-Off Accounts in Dispute 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  {$68.00} Request to TransUnion : Conduct a full reinvestigation under FCRA 611 .

Provide documentation verifying account ownership, balance, and status. 

Remove any unverifiable or inaccurate accounts.

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 2025-12-03 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was scammed over XXXX by someone who pretended to be an alumni from my school. They said they were giving away their old XXXX because they bought a new one. Then they said I had to pay only for shipping, taxes, and insurance. I asked for a verbal confirmation through phone call because we had been texting but they did not pick up. Then when I asked for the money back I got blocked. TD Bank denied my initial dispute and I reported with XXXX but they refuse to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am a consumer actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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

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 2025-12-03 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: AZ

Complaint narrative:
TransUnion is reporting multiple accounts that appear duplicated, misdated, or unverifiable. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several accounts reporting {$1200.00} {$1600.00} XXXX XXXX Multiple accounts {$990.00} {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3700.00} Several accounts are duplicated under different names or numbers, which causes confusion and negatively impacts my score. I am requesting full investigation and removal of any unverifiable or inaccurate data. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries appear unauthorized and should be reviewed. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request verification or removal.

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 2025-12-03 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: AZ

Complaint narrative:
The accounts listed on my file were not created by me, nor were they approved on my behalf. I respectfully request a full review and removal. I have enclosed documentation to support my dispute.

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 2025-12-03 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-03 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
My mortgage loan with Citizens Bank XXXX Citizens Mortgage ) shows a delinquency for the XX/XX/year> payment cycle that is inaccurate and caused entirely by a bank processing error. 

I attempted to make my XXXX payment on XX/XX/year> through Citizens online payment system. The payment initially showed as successfully submitted. On XX/XX/year>, the payment was reversed because a stop payment was unknowingly placed on my checking account by my bank, which I was not informed was still in place- it was only for XX/XX/year>. This reversal was not due to insufficient funds, neglect, or intentional nonpayment. 

As soon as I became aware of the reversal, I immediately paid the amount due and brought the account fully current on XX/XX/year>, well before the servicer reported the XXXX cycle to the credit bureaus. My account currently shows Paid/Current in the Citizens system XXXX 

Despite this, Citizens representatives stated that they can not submit a suppression code and must follow internal requirements, even though the delinquency was caused by a financial institution error, which makes the information inaccurate under the Fair Credit Reporting Act ( FCRA ) if reported. 

I am requesting CFPB intervention because Citizens has refused to : Flag my account for reporting correction, Submit an AUD or suppression code to prevent inaccurate reporting, and Confirm that the late payment will NOT be reported to any bureau despite being asked multiple times. 

Given that the delinquency resulted from a banking system error, any reporting of a 30-day late is factually inaccurate and would cause substantial and immediate credit harm as I am in the middle of a pending loan closing.

What I want Citizens to do : Prevent the inaccurate 30-day late from being reported to Experian, Equifax, and TransUnion.

If it has already been transmitted, submit a suppression/AUD correction immediately to reverse it. 

Provide written confirmation that they have taken these steps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted the loan servicer because my loan balance had unexpectedly increased and I needed information about their two-payment re-age / delinquency-cure option. I was unable to reach anyone by phone despite multiple attempts and long hold times, so I emailed them requesting clarification of the payment plan and instructions for bringing the account current. 

Within minutes, the company replied that the inbox was not monitored and instructed me to call instead, even though I had already explained that calling was not possible due to dropped calls and excessive hold times. I responded immediately and again requested written clarification of the repayment arrangement. 

The company then sent an automated message acknowledging my request, assigning a ticket number, and stating that my inquiry was being reviewed. They advised me not to include sensitive information and to wait for their response. 

After this, I received no communication from the servicer for nearly a week. During this time, I received a delinquency escalation notice and later a notification that the company had reported a potentially derogatory mark to my credit. This happened while my request was still open and unanswered, even though I had explicitly asked them to temporarily halt any negative reporting until the matter was resolved. 

I attempted in good faith to cure the delinquency and requested the exact payment amount required to bring the account current through their re-age option. I also clearly stated I was ready to make the payment as soon as they confirmed the arrangement. The company did not respond, did not provide the requested information, and instead reported derogatory information to the credit bureaus. 

I believe the negative credit reporting is inaccurate and unfair because the servicer failed to respond to my documented attempts to resolve the issue. I am requesting that the derogatory information be removed and that the servicer provide the repayment arrangement information so I can bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On or around XXXX XXXX  both Citi and XXXX reduced the credit limits on my credit card accounts without any advance notice, without any adverse change in my payment history, and without any change in my income. 

I have never missed a payment, have not had any returned payments, and have consistently maintained my accounts in good standing. My income has remained stable, and there have been no issues that would justify a sudden reduction. 

These unexpected credit limit decreases caused my credit utilization to increase dramatically from manageable levels to over 90 % utilization on multiple cards overnight which resulted in a significant negative impact on my credit score.

I contacted both companies to request a review and reinstatement of my previous limits, but the representatives were unable or unwilling to reverse the decrease or provide a reasonable explanation for the action taken. 

I am requesting that Citi and XXXX conduct a full account review, restore the previous credit limits that were in place prior to the reductions, and correct any negative impact resulting from these actions. 

I am asking for CFPB assistance because these sudden and unexplained credit limit decreases have caused substantial financial harm and appear to have been executed without proper justification or transparency.

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 2025-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Helbing Law Group
State: WA

Complaint narrative:
I signed up for a debt settlement program with Helbing Law Group in XX/XX/XXXX during Covid. 

There were six creditors agreed upon and listed in our contractual agreement and I made monthly payments to them for three years ( XX/XX/XXXX- XX/XX/XXXX ) during which time they resolved four of the six total accounts.

I recently learned last month in XXXX that the two unsettled accounts ( XXXX XXXX and XXXX ) are now appearing on my credit reports representing negative scoring. Helbing never informed me that these debts were unresolved. 

I have tried to reach out by calling Helbing Law Group but can not reach anyone to discuss and remedy this issue. The phone line is never answered and disconnects my call completely. 

I am reporting that they did not fulfill their end of the contractual agreement and that both are on my credit reports affecting my credit score negatively.

NOTE : I have attached my full payment history from Helbing as it occurred from XX/XX/XXXX to early XX/XX/XXXX. At that time, the future payments in XXXX, XXXX and XX/XX/XXXX were all made as scheduled but the XXXX and XXXX payments shown were not completed and there was a credit made back into my account in XX/XX/XXXX. There was no communication by Helbing regarding the unresolved/unsettled remaining two debts with XXXX XXXX and XXXX so XXXX had no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief