vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

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 2025-05-10 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: MS

Complaint narrative:
The letter is a formal request to a credit bureau to remove fraudulent accounts and inquiries from a credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act ( FCRA ), the sender asks for the unauthorized items to be blocked and deleted. Supporting documents, including an FTC Identity Theft Report, are provided, and the sender requests confirmation once the corrections are completed.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, which appears on my credit report as a charged-off/closed account. 
Your continued reporting of late payments on a closed and charged-off account is not only inaccurate, but constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 
Under the provisions of 15 U.S.C. 1692g and 1681s-2, I demand immediate validation of this alleged debt. Specifically, I require that you provide the following documentation : 1. Proof of your legal right to collect this debt, including a copy of the assignment agreement or purchase contract between your agency and the original creditor ; 2. A complete chain of title that shows the full and unbroken assignment history from the original creditor to your agency ; 3. The full name and mailing address of the original creditor, along with a complete account history showing all debits, credits, interest, and fees applied ; 4. A copy of the written notice of debt, allegedly sent to me as required under 15 U.S.C.

1692g ( a ) ; 5. A copy of your surety bond and current license to collect debt in the State of Florida. 
Further, if you are furnishing this alleged debt to any credit reporting agency, you are required under 15 U.S.C. 1681s-2 ( a ) ( 3 ) to immediately mark the item as " disputed by consumer. '' If you can not produce full validation as demanded above, you must cease all collection activities and delete this account from any and all consumer credit reports.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, which appears on my credit report as a charged-off/closed account. 
Your continued reporting of late payments on a closed and charged-off account is not only inaccurate, but constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ).

Under the provisions of 15 U.S.C. 1692g and 1681s-2, I demand immediate validation of this alleged debt. Specifically, I require that you provide the following documentation : 1. Proof of your legal right to collect this debt, including a copy of the assignment agreement or purchase contract between your agency and the original creditor ; 2. A complete chain of title that shows the full and unbroken assignment history from the original creditor to your agency ; 3. The full name and mailing address of the original creditor, along with a complete account history showing all debits, credits, interest, and fees applied ; 4. A copy of the written notice of debt, allegedly sent to me as required under 15 U.S.C.

1692g ( a ) ; 5. A copy of your surety bond and current license to collect debt in the State of Florida.

Further, if you are furnishing this alleged debt to any credit reporting agency, you are required under 15 U.S.C. 1681s-2 ( a ) ( 3 ) to immediately mark the item as " disputed by consumer. '' If you can not produce full validation as demanded above, you must cease all collection activities and delete this account from any and all consumer credit reports.

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 2025-05-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-10 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: CA

Complaint narrative:
This tradeline is not being reported with the maximum possible level of accuracy, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ) of the FCRA, you are required to maintain and report only information that is complete and verifiably accurate. This account fails to meet that standard. Im not going to continue allowing inaccurate or misrepresented data to appear on my credit report, especially when it affects my financial reputation. You are legally obligated to ensure the integrity of the information you report and in this case, you havent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute regarding inaccurate information appearing on my credit report. The disputed entry contains errors that do not reflect my actual account history or status. Despite my dispute, by XX/XX/year>, the item was simply marked as updated without any meaningful correction, and the inaccurate information remains on file. No documentation or valid verification has been provided to justify the continued reporting of this incorrect data. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and the reporting agency is required to conduct a reasonable investigation.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute regarding inaccurate information appearing on my credit report. The disputed entry contains errors that do not reflect my actual account history or status. Despite my dispute, by XX/XX/year>, the item was simply marked as updated without any meaningful correction, and the inaccurate information remains on file. No documentation or valid verification has been provided to justify the continued reporting of this incorrect data. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and the reporting agency is required to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: FL

Complaint narrative:
SELFINC/LEAD, which appears on my credit report as a charged-off/closed account.

Your continued reporting of late payments on a closed and charged-off account is not only inaccurate, but constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ).

Under the provisions of 15 U.S.C. 1692g and 1681s-2, I demand immediate validation of this alleged debt. Specifically, I require that you provide the following documentation : 1. Proof of your legal right to collect this debt, including a copy of the assignment agreement or purchase contract between your agency and the original creditor ; 2. A complete chain of title that shows the full and unbroken assignment
history from the original creditor to your agency ; 3. The full name and mailing address of the original creditor, along with a complete account history showing all debits, credits, interest, and fees applied ; 4. A copy of the written notice of debt, allegedly sent to me as required under 15 U.S.C.

1692g ( a ) ; 5. A copy of your surety bond and current license to collect debt in the State of Florida. 
Further, if you are furnishing this alleged debt to any credit reporting agency, you are required under 15 U.S.C. 1681s-2 ( a ) ( 3 ) to immediately mark the item as " disputed by consumer. '' If you can not produce full validation as demanded above, you must cease all collection activities and delete this account from any and all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MS

Complaint narrative:
The letter is a formal request to a credit bureau to remove fraudulent accounts and inquiries from a credit report due to identity theft. Citing Section 605B of the Fair Credit Reporting Act ( FCRA ), the sender asks for the unauthorized items to be blocked and deleted. Supporting documents, including an FTC Identity Theft Report, are provided, and the sender requests confirmation once the corrections are completed.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my account without a valid reason, even though I had recently made a successful payment and there was no suspicious activity. When I tried to dispute a transaction, they told me I couldnt because the account was closed. I believe Im being unfairly blocked from using my legal right to dispute a charge. I called them and they said there was no suspicious activity, and I had not violated any terms that Im aware of. After the account was closed, I tried to dispute a charge I believe is incorrect or unauthorized. Capital One told me I could not file the dispute because the account was closed. I was not given any way to reopen the account or to proceed with the dispute process. This is unacceptable and seems to go against my rights under the Fair Credit Billing Act. I am now stuck with a charge I dont agree with, and Capital One wont let me dispute it simply because they chose to close my account, even after I had just made a valid payment. I would love for them to give a clear explanation as why my account was closed even though nothing suspicious happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I made 2 transactions transferring {$25.00} from my bank account over to cashapp. My bank didnt release the funds until XXXX  XX/XX/XXXX and cashapp has a 3 day business holding policy so it was pending until XX/XX/XXXX. During that time I used cashapps borrow feature which allows me to borrow money numerous times up to {$200.00} to make purchases. When the two transactions finally processed on cashapps end, the refused to release my funds stating I spent the money on the XXXX ( overlooking the money I borrowed and overlooking that my bank didnt even release the funds until the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I paid off my American Express card in 2021. The month after I paid it off to {$0.00}, I paid off the residual interest the next month. I checked for the next 4 months to see if there was any charge. There was none. This XXXX, I got a bill from them for {$3.00}. I called and they couldn't find when the charge was assessed. The operator I was dealing with did give me a number to contact, but the hours of service happen while I am at work, and I have no phone access while at my place of employment. I called again on XXXX, and they said that they can only go back 12 months, so they couldn't tell me when the charge was assessed or what it was for. They offered to send me back statements so that I could find the charge. It is only {$3.00}, but it is wrecking my credit score, and I am suspicious of phantom charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted payment to my mortgage company ( XXXX XXXX Mortgage ) in the amount of {$4300.00}. This payment was submitted using their telephonic system which automatically included an late fee in the amount of {$150.00}. The amount posted to the account the same day and noted as paid. 

On XX/XX/year>, I contacted XXXX XXXX advising I did not show the my mortgage being withdrawn from my bank account. I was ensured by XXXX XXXX that the mortgage payment has been posted to the account. 

On XX/XX/year>, I contacted my bank XXXX XXXX XXXX XXXX ( XXXX ), who advised the payment submitted to Round Point had been sent back due to insufficient funds. I attempted to contact XXXX XXXX back, but their offices had already closed. 

On XX/XX/year>, I contacted XXXX XXXX advised that the payment of my mortgage was rejected and requested them to please resubmit payment. I was advised that the payment was submitted and posted to the account and there was nothing further to do. 

On XX/XX/year>, I contacted XXXX XXXX as they posted the XX/XX/year>, payment as rejected to their account. I also noted there was a delinquent hit to my credit report from XXXX XXXX for the late payment. This dropped my XXXX XXXX XXXX points and is the first late payment I have ever had in my entire credit history. I paid the XXXX mortgage with XXXX XXXX the same day. The amount the representative requested me to pay was {$4.00}, XXXX and did not include a late payment. Upon paying the mortgage, I was advised that XXXX XXXX attempts twice to collect payment from mortgages. I then inquired if XXXX XXXX attempted to collect my XXXX mortgage twice. I was advised they did with the first attempt being on XX/XX/year> and the second on XX/XX/year>. 

On XX/XX/year>, I contacted XXXX who confirmed XXXX XXXX only attempt to collect the mortgage payment on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Complaint Against : Midland Credit Management ( MCM ) Date of Incident : XX/XX/XXXX Time of Incident : XXXXXXXX XXXX XXXX Phone Number Used by Company : XXXX Duration of Call : XXXX minutes and 36 seconds Complaint Details : On XX/XX/XXXX, at approximately XXXXXXXX XXXX EST, I received a phone call on my personal cell phone from Midland Credit Management ( MCM ). My husband answered the call. There were two MCM representatives on the line, and their conduct during this call was unprofessional, inappropriate, and harassing.

Without verifying my identity or obtaining my consent, the representatives disclosed sensitive and private financial information to my husband, stating that I had credit card debt I had stopped paying the prior XXXX. This is a clear violation of my privacy rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( b ), which prohibits debt collectors from disclosing information about a consumer 's debt to third parties without consent. 

The representatives then proceeded to shame and manipulate my husband, asking him personal questions about his employment and mine. They told him that, because I am a stay-at-home mom, he should feel responsible for my debt and should " be my hero '' by paying " even just {$50.00}. '' When he explained that he does tree work and that business is slow in the winter, one of the representatives made a sarcastic comment about not realizing tree work slows down seasonally, referencing her own family member 's experience, and mocking our financial situation. 

In addition, I want to make clear that I have never entered into any financial agreement with Midland Credit Management. They appear to have purchased my personal information and the alleged debt from another company, and I do not acknowledge MCM as a legitimate creditor in my case, yet they are reporting that they are an original creditor. I dispute the debt and assert that I have not consented to any arrangement with this company. 

Evidence Available : Screenshots of the calls confirming the call from XXXX on XX/XX/XXXX, at XXXXXXXX XXXX XXXX, lasting 8 minutes and 36 seconds. These can be provided upon request. 

My husband, who was present for and directly involved in the call, can provide a witness statement. 

Timing of This Complaint : Although this call occurred in XX/XX/XXXX, I am submitting this complaint now in XX/XX/XXXX after fully understanding the seriousness of the incident and learning more about my rights under the FDCPA. The delay does not diminish the emotional harm or the seriousness of the violations involved.

Company response to consumer: Closed with non-monetary relief