vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting my XXXX XXXX XXXX  account ( XXXX XXXXXXXX ) with a balance that does not match the status they show. The account appears as charged-off but at the same time reflects a balance that does not align with reality, which is a clear contradiction under the FCRA. 

According to 15 U.S.C. 1681e ( b ), the bureaus must maintain maximum possible accuracy in their reports. Also, under 1681i ( a ) ( 5 ) ( A ), when there is incorrect information they must correct it or delete it. In XXXXXXXX XXXX XXXX the court held that a CRA can not simply accept contradictory data without conducting a proper 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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
This company refuse to prove the one this debt. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I a send an email to formally dispute several transactions on my account ending in XXXX that were incorrectly deemed my responsibility, despite the fact that I did not authorize them and have never visited the locations where they occurred. For a total amount of {$670.00} The fraudulent transactions in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reside in XXXX, XXXX, and have never been to XXXX, XXXX, XXXX XXXX XXXX for these purchases. I have never shopped at any of these establishments. These charges are fraudulent, and I am deeply concerned about how my case was handled. 



Despite providing information to support my claim, my dispute was denied. This decision is unjust, as I am not responsible for these charges. I also want to highlight that I have been paying for fraud protection on my account, which should have safeguarded me against exactly this type of incident. Yet, my account was compromised, and I am now being held financially accountable for transactions I did not make. 



As a result of this situation and the poor handling of my case, I have chosen to close my account. I made my final payment of {$56.00}, but I can not accept liability for fraudulent charges that are not mine. 



They sent at letter dated for XX/XX/year> received it on XX/XX/year> stating the physical card was activated on XX/XX/year> which I did activated my card on my phone. Also stating it was use hours later which is not true on my end because I did not swipe or used my card. Now they are stating that my card was used and my case can not be reopened and I am responsible. I request that they reopen my fraud case, conduct a thorough investigation, and remove these unauthorized charges from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I am in XXXX, am a citizen of the XXXX, and do not have a mobile number associated with my SSN any longer. 

- I have a XXXX XXXX XXXX account XXXX needed to transfer money out of that account to a XXXX XXXX account in order to wire transfer to XXXX. so that I can purchase my home here -I created a Citi XXXX account on the XXXX of XXXX XXXX XXXX linked my XXXX Account, which had deposited to sub {$1.00} amounts to verify the account -I initiated a transfer of the full amount to Citi, which XXXX hit the account on the XXXXXXXX XXXX XXXX then initiated a wire transfer ( it would have been XXXX of XXXX due to daily limits ) to my XXXX account. 
-The wire went through, then was canceled, and then my account was blocked -They tried to verify through a phone call to a XXXX number ( my mother 's which I had authorized and worked previous for pin verification ) and it didn't work -They then blocked my account and access to my funds, and sent a reference letter in the mail which takes XXXX  days to deliver -I need to initiate wire transfers this week to make sure I have it in time for settlement -This is my money and they are basically holding it XXXX. 
XXXX 've spent hours on the phone with support and they basically don't want to help -This is unacceptable and I've seen many many customer complaints of this issue -I need to have my account unblocked and this money transfered or I risk losing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the reporting of delinquent accounts associated with my name and Social Security XXXX [ XXXX ] on my credit report. I have conducted a thorough review of my credit history and noticed that certain accounts reported by your agency are inaccurate. Upon discovering these discrepancies, I took the appropriate steps to raise this issue with the credit bureaus. I submitted a dispute for these accounts, providing all necessary documentation to facilitate their investigation. Unfortunately, I was informed that the delinquent items were not removed from my credit report, despite evidence proving my position. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX I believe these inaccuracies to be a result of either clerical errors or identity, theft, In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly ask that you review my records and the documents I have provided to rectify these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
I would like to report a crime of XXXX XXXX XXXX XXXX  My joint checking account with my wife was debited over {$5900.00} from Key Bank to a XXXX credit card unauthorized. It was investigated by Key bank and they determined that someone fraudulenty opened an account in my XXXX XXXX XXXX sons name. to withdraw funds. However he is not an authorized signer of the account. Both banks have not been helpful in determining where the funds went. This has been a run around as Key bank denied the claim, then re opened it then and told us to go to XXXX. Then closed the investigation. Can I file a police report on line or do I need to come in.? I have collected all pertinent bank statements and documents that prove this fraudulent transaction. 
I believe the bank has the burden of proof. In any legal action, the burden is on the bank to prove that the electronic fund transfer was, in fact, authorized. Key Bank and XXXX have failed to do this. 
Key Bank stated they were in compliance with EFTA -that is a fraud in itself!

However this was clearly a crime. This was a bank account using an unauthorized withdrawal it is considered an " unauthorized electronic fund transfer '' and a violation of the Electronic Fund Transfer Act ( EFTA ). This applies as long as the transaction is an electronic one, such as an online transfer, debit card purchase, or an automatic withdrawal. 
We are at our wits end with this and are considering third party representation and we just want to have an official record of this. Your consideration is appreciated. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: DC

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 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Closing/title agent requested payoff. It was provide by Mr Cooper but I was charge multiple fees for the payoff quote Including a {$25.00} fee for other fees due. I was charged ( 4 ) four different fees in total just to provide a payoff quote. I have tried to contact Mr Cooper directly to address this multiple times but it is impossible to get a human on the phone and the automated system does not provide the info. Ultimately it just disconnects you after an hour of trying. 

The fees charged for the payoff quote are listed below Expedited Delivery Fee ( which was not requested )- $ XXXX County Recording Fee- {$10.00} Other Fees Due ( no other description provided )- {$25.00} Third Party Reconveyance Preparation Fee - {$20.00} I have multiple real estate holdings and have never experienced anything like this Thank you for any assistance you may be able to provide. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I don't recognize an inquiry. 

XXXX  date : XX/XX/2025 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my credit report. The following accounts are reporting incorrectly : XXXX XXXX Charged-off, balance/date reporting inconsistent with my records. 

XXXX XXXX  XXXX, balance and delinquency dates inaccurate. 

XXXX XXXX XXXX  XXXX XXXX not verified properly. 

XXXX XXXX Credit Card Balance and reporting dates incorrect. 

XXXX XXXX XXXX Appears multiple times, duplicate reporting. 

XXXX XXXX XXXX XXXX account, ownership and date of first delinquency not validated. 

XXXX XXXX XXXX XXXX account, reporting accuracy disputed. 

XXXX XXXX XXXX XXXX account, balance inaccurate and unverifiable. 

XXXX Closed account still showing derogatory ; should reflect Closed Paid/Settled with {$0.00} balance. 

I have disputed these items with the credit bureaus but the information remains. The reporting companies have not provided proper verification as required by the Fair Credit Reporting Act ( FCRA ). Some accounts may be duplicates, some contain incorrect balances or dates, and some are not properly validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent information being reported by Experian, Equifax, and TransUnion. These errors are damaging my credit profile and are not being properly verified.

Disputed Issues : Collections Accounts : Equifax is reporting 3 collections, while TransUnion reports 1, and Experian does not show the same accounts. This inconsistency demonstrates unverifiable reporting.

Public Record : All three bureaus are reporting a public record, but no supporting documentation has been provided to verify its accuracy.

Late Payments/ Delinquencies : Experian reports my most recent missed payment as 1 year and 3 months ago, while TransUnion reports it as 6 months ago. Equifax does not provide a recency date. This shows material discrepancies in reporting.

Derogatory Accounts : Each bureau lists 11 accounts as 60+ days late or derogatory. I dispute the accuracy and completeness of these listings, as they have not been verified with original documentation.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I have the right to full disclosure and to dispute any inaccurate or unverifiable information. The credit bureaus must conduct a reasonable reinvestigation within 30 days and either provide documented proof of accuracy ( original signed contracts, payment histories, court records ) or delete the items. Continuing to report unverifiable or inconsistent information violates the FCRA. 

Requested Resolution : Remove or correct all unverifiable, inaccurate, or inconsistent accounts. 

Provide me with written confirmation of the results of your investigation and the documentation relied upon. 

I am attaching copies of my credit reports, with the disputed accounts highlighted, along with my identification for verification.

Company response to consumer: Closed with explanation