vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
I just want to Follow up this complaint because my credit reports across TransUnion, Equifax, and Experian contain extensive inaccuracies, conflicting dates, inconsistent reporting patterns, and missing or unverifiable information that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). For example, the XXXX account XXXX XXXX, {$2000.00} ) is reported with three different dates of last activity XX/XX/XXXX on TransUnion, XX/XX/XXXX on Equifax, and XX/XX/XXXX on Experian making the information materially inconsistent ; similarly, the XXXX XXXX account ( XXXX, {$2800.00} ) displays XX/XX/XXXX on TransUnion and XX/XX/XXXX on Equifax while being omitted entirely from Experian, raising concerns about proper verification and furnishing accuracy. The XXXX  account ( XXXX, {$0.00} ) also shows contradictions with TU reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX, while the XXXX XXXX XXXX ( XXXX, {$0.00} ) account appears with clashing datesXXXX on Equifax, XX/XX/XXXX on Experian and does not appear at all in TransUnions file, further demonstrating inconsistent reporting. Additionally, Experian reports a XXXX XXXX XXXX XXXX account ( XXXX, {$860.00} ) with a last activity date of XX/XX/XXXX, yet neither TransUnion nor Equifax list the account, suggesting potential inaccurate furnishing. Similar inconsistencies affect XXXX XXXX ( XXXX, {$4600.00} ) and XXXX XXXX ( XXXX, {$12000.00} ), where all three bureaus report different dates of last activity. XXXX ( XXXX, {$0.00} ) also shows conflicting datesXXXX on TU vs. XX/XX/XXXX on XXXXand is missing entirely from XXXX. Numerous collection accounts, including XXXX XXXX  ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, contain inconsistent DOFDs, reporting dates, balances, and bureau-to-bureau discrepancies, with some appearing on one or two reports but omitted from the third, all of which violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( c ), and 611 concerning the reporting of accurate and verifiable information. Even the hard inquiries reported are inconsistent, with XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX appearing across some bureaus but not others, despite the FCRAs permissible purpose and accuracy requirements under 604 ( a ) and 611. After repeatedly reviewing these issues, I believe the credit bureaus have failed to maintain maximum possible accuracy, failed to verify information before reporting, and failed to correct long-standing errors despite federal obligations to do so.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-12-19 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: ND

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
As of XX/XX/XXXX I learned that I was being sued by a debt collection agency Portfolio recovery Asssociates. I have no prior history or knowledge of who these people are and what they are pursuing me for. I saw the amount of XXXX is what they are pursuing me for and I have no record of what this amount is in reference to. I began recieveing harrasing calls in the early hours of the morning and the late hours of the night. and more recently they have XXXX calling all hours of the day. Leaving voicemail messages stating they can be reached at the number left, but never asking for anyone specifically or mentioning me by name, I filed a report for identity theft as my information was leaked in XXXX in the XXXX  breach and as recent as XX/XX/XXXX from a company named " XXXX XXXX '' of which I have no idea who they are. The email from XXXX confirmed my name, social and other private information. This has been quite a financial hardship as being laid off sometime ago and searching for steady work has not been easy. I car for my senior citizen mother and my elder brother that has fallen ill at the beginning of this year. This harrasment has caused me suffering and ailment. I am in need of relief in anyway that I can be helped. I am overwhelmed and at the end of my rope. I anticipate your response soon and thank you for any help in-term. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I disputed this medical collection months ago. 
The company has failed to verify or validate the debt and continues to report it on my credit report. 
This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
I am requesting deletion due to failure to properly investigate and verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I disputed this medical collection months ago. 
The company has failed to verify or validate the debt and continues to report it on my credit report. 
This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
I am requesting deletion due to failure to properly investigate and verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the recent handling of my American Express accounts. I have been a loyal American Express customer since XXXX, and in that time, I have never missed a payment and have consistently paid my balance in full. 
When viewing my account online, the XXXX XXXX XXXX feature indicated that I had no pre-set spending limit, which led me to believe that a small purchase would be approved. However, when I attempted to make a {$71.00} purchase for dog food, the transaction was unexpectedly declined. I contacted customer service multiple times for clarification and was told only that my account was under review, without any clear explanation. 
Shortly afterward, all three of my American Express cards were suspended. This was not only embarrassing but caused unnecessary financial stress, especially given my long history of responsible account management. I was forced to use my debit card for basic necessities due to this abrupt and unexplained action. 
I believe the way this situation was handled is unfair, unreasonable, and misleading, especially since American Express promotes the idea that responsible payment history leads to continued account stability. I have upheld my responsibilities for over two decades ; in return, I expected transparency and fair treatment. 
I am requesting : A clear explanation for why my accounts were placed under review. 
An immediate review of the decision to suspend all of my cards.

Assurance that my long-standing positive payment history is being considered.

Steps American Express will take to prevent this type of misleading and disruptive situation for customers in the future.

Given the financial stress and inconvenience this has caused, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX if a satisfactory resolution is not provided. 
Thank you for your prompt attention to this matter. I look forward to a timely and fair resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
I received an email from cashapp that my account had been closed for going against terms of service. I reach out for more information and they could not tell me what terms of services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting alleged debts on my consumer spending report. 

These accounts are being reported without proper verification and/or contains inaccurate and or unsubstantiated information. I previously disputed these accounts and requested validation, yet the collection agency continues to report the accounts without providing documentation showing the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of these accounts have negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act related to two accounts they are reporting on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$5400.00} and XXXXXXXX XXXX XXXX XXXX XXXX  with a reported balance of {$5800.00}. 

Midland Credit Management is reporting inaccurate balances for both accounts. I contacted the original creditors directly, and the original contracts do not support or match the amounts Midland is reporting. Despite this, Midland continues to furnish these inaccurate balances to the credit reporting agencies.

In addition to inaccurate reporting, Midland has engaged in harassment and intimidation by threatening legal action on these alleged debts. I received written documentation from Midland stating their intent to file a lawsuit, which I have attached to this complaint. Threatening suit while reporting unverified and inaccurate balances is misleading and unlawful.

Midland has also failed to provide proof of assignment, chain of title, or proper debt validation as required under 15 USC 1692g. Without this documentation, they can not establish ownership of the alleged debts or their authority to collect or report them.

As a third-party debt buyer, Midland did not extend credit to me and did not suffer any actual loss. They are not the real party in interest and therefore can not enforce the original contracts, claim contract interest, assess fees, or pursue breach of contract damages. Attempting to do so constitutes misrepresentation of the amount owed, false claims of ownership, and attempted collection of amounts not authorized by contract or law.

Based on these violations, I am demanding the immediate removal of both accounts from my credit report. If Midland continues to report these accounts or proceeds with legal action, I reserve the right to pursue all available remedies, including counterclaims for violations of federal law.

I am requesting CFPB assistance to ensure these unlawful collection and reporting practices are stopped and that these accounts are permanently removed from my credit file. FDCPA & FCRA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Delete ites as someone has been usin my identity. It was not by my consent. Can u pls remov all of these so tht the credit report can be fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Timeline of Events : Initial Dispute ( XX/XX/year> ) : I submitted a formal dispute regarding the accuracy of account # XXXX XXXX XXXX XXXX XXXX specifically challenging the reported balance of {$38000.00} and its contradictory status. 

Follow-Up Dispute ( XX/XX/year> ) : After receiving no adequate resolution, I submitted a second notice ( Round 2 ) demanding a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Written Commitment ( XX/XX/year> ) : Wells Fargo sent an email acknowledging the dispute and explicitly committed to providing a response within 10 days. 

The Violation : Despite their written commitment, Wells Fargo has failed to provide any resolution or substantiating documentation within their own 10-day window, which expired over 20 days ago. This failure to adhere to self-imposed compliance timelinesfollowing multiple dispute roundsis XXXX XXXX evidence that Wells Fargo has failed to conduct a " reasonable investigation '' as mandated by the Fair Credit Reporting Act ( FCRA ). 

Inaccurate & Misleading Reporting : Furthermore, the account is being reported with " Fatal Errors '' in the XXXX XXXX format. Wells Fargo is reporting an active, full balance of {$38000.00} while simultaneously classifying the account as a " Profit and Loss write-off ''. Per established case law ( XXXX v. XXXX XXXX XXXX, XXXX. ), a furnisher must go beyond superficial computer checks to ensure " maximum possible accuracy. '' This contradictory reporting is materially misleading to lenders and is causing me severe financial harm as I seek a mortgage. 

Failure to Flag Dispute : Wells Fargo has also failed to flag this account as " Consumer Disputed '' ( Compliance Condition Code XB ), a direct violation of 15 U.S.C. 1681s-2 ( b ) and 623 ( a ) ( 3 ) of the FCRA.

Final Demand : Because Wells Fargo has failed to verify the accuracy of this account within the statutory timeframe and their own promised window, the information is legally unverifiable and must be permanently deleted from my credit profile ( Report Ref # : 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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute for all XXXX credit bureaus for an account called XXXX that is listed on my credit report. I contacted the company and found out that they are a residential solar panel provider. The account was in good standing at the time, but I have never purchased solar panels, nor do I own an house to be able to provide solar panels for. The company requested that I dispute any account issues with the bureaus themselves, which I did. All of them declined the dispute. I found out that a missed payment was reported on this account, so I tried to dispute it again on XXXX. I was again, unsuccessful. I need this account removed from my credit report. It was never opened by me or my ex spouse, and I have no knowledge of the contract or agreement that was signed to secure this debt.

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 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Recovery Management Solutions LLC
State: WV

Complaint narrative:
Sometime in XX/XX/year>, I received a phone call from XXXX XXXX stating his employer had acquired the debt from XXXX XXXX XXXX XXXX. I was not provided with a copy of any documentation detailing the amount of the debt, any fees they added to the debt. I was not provided any documentation for me to review. On XX/XX/year> @ XXXX, I s poke with XXXX and was transferred to XXXX XXXX XXXX He stated that I have paid a total of {$600.00} ( 8 monthly payments of {$75.00} ) toward the debt and was required to pay {$75.00} per month until XXXX with a final payment of {$14.00}. I was not given any option of paying by check or money order. I had to provide my check debt card information to XXXX XXXX that day in XX/XX/year> for them to deduct my payment directly from my checking account. 

I asked for a copy of documentation conforming the amount that I owed and a payment history. He stated they were a debt recovery company and did not have to provide it. I stated I wanted this information and stated he would contact his supervisor and she would have to send it out in an email. He confronted my corrected email. He stated the email may go out this afternoon or would be sent on Wednesday XX/XX/year>. As of the time I am submitting this complaint, I have not received a respose to my request. No email has been sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation