vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have been receiving letters of debt collection from a company called 'Midland Credit Management ', attempting to collect a debt that I do not owe. I disputed this debt earlier this year and have a letter from XXXX  dated XX/XX/year> that the collection was indeed not my responsibility and was deleted from my credit report. At this time, I've also checked XXXX and XXXX, and that debt is not listed in any collection accounts with those bureaus. I do not owe this company, and yet they've sent multiple debt collection letters dated in XXXX, XXXX, and XX/XX/year>. The XX/XX/year> letter stated in large letters " You have an obligation to resolve this ''. The letter also has phrases such as " outstanding debt obligation '', " we are entitled to repayment '', and " further collection activities ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccuracies and inconsistencies across Equifax, Experian, and TransUnion that have materially harmed my creditworthiness and appear to violate federal law ; addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appear only in Experian while XXXX XXXX, XXXX XXXX, XXXX XXXX appear only in TransUnion, creating contradictory reporting that violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update ) and 623 ( b ) ( furnishers duty to investigate ), and accounts such as SXXXX XXXX XXXX XXXX XXXX are reported with conflicting dates of last activity and dates reported across Equifax and TransUnion, violating FCRA 605 ( a ) ( obsolete information ), 623 ( a ) ( 1 ) ( A ) ( accurate reporting ), and 623 ( a ) ( 5 ) ( accurate DOFD reporting ) ; additionally, XXXX XXXX XXXX XXXX XXXX is reported in TransUnion but missing in Experian and Equifax, creating an incomplete and misleading credit history and potentially violating FDCPA 807, 808, 809 regarding false, unfair, and unvalidated debt practices ; further, multiple inquiries and reporting from XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  appear inconsistently across the three bureaus, violating FCRA 604 ( a ), 605 ( a ), 611 due to unauthorized or outdated hard pulls ; collectively, these issues show that furnishers and credit bureaus are not fulfilling their legal obligations to report accurate, complete, and verified information, leaving me with a credit file that is fragmented, misleading, and in violation of both FCRA and FDCPA requirements.

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 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
I was sent a cancellation of debt from MOHELA on XX/XX/year> for {$7600.00}. I then followed up with them because they were still reporting the student loan to my credit report I kindly asked for them to update the balance on the account. I recently got a letter on XX/XX/year> in the mail from their legal team stating that the cancellation of debt is fraud how is it fraud when they are the ones that sent it to me? This is why there is a class-action lawsuit currently in progress against MOHELA for exactly this type of misconduct : failing to implement discharges, continuing to demand payment on canceled loans, and inaccurately reporting discharged accounts to the credit bureaus. XXXX XXXX XXXX XXXX XXXX in the case XXXX v. MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX : {$360000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX : {$360000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$0.00}

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 2025-11-24 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Two unauthorized hard inquiries were added to my credit report, and I did not give permission for either company to access my credit file. The inquiries are from : XXXX Inquired on XX/XX/XXXX, scheduled to remain until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX, scheduled to remain until XX/XX/XXXX. 

I did not apply for credit with either company and did not provide written, verbal, or electronic authorization for these credit pulls. I filed written disputes with all three credit bureaus ( Equifax, Experian, and TransUnion ) asking for documentation of permissible purpose and proof of authorization. None of the bureaus provided any documentation showing that I authorized these inquiries. They also did not provide the method of verification, a signed application, or any evidence required under the Fair Credit Reporting Act.

The credit bureaus continued to report these inquiries despite failing to produce any proof of permissible purpose. This violates multiple sections of the FCRA, including 604 ( a ) ( 2 ), 604 ( a ) ( 3 ), 604 ( f ), 607 ( a ), 609 ( a ) ( 1 ), 609 ( a ) ( 2 ), 609 ( e ), 611 ( a ), and 611 ( a ) ( 5 ) ( A ). Unverified information must be deleted, yet the bureaus did not remove the inquiries.

I am requesting assistance to require the credit bureaus to either provide documented proof that I authorized these inquiries or delete them immediately, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NE

Complaint narrative:
Two unauthorized hard inquiries were added to my credit report, and I did not give permission for either company to access my credit file. The inquiries are from : XXXX Inquired on XX/XX/XXXX, scheduled to remain until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX, scheduled to remain until XX/XX/XXXX. 

I did not apply for credit with either company and did not provide written, verbal, or electronic authorization for these credit pulls. I filed written disputes with all three credit bureaus ( Equifax, Experian, and TransUnion ) asking for documentation of permissible purpose and proof of authorization. None of the bureaus provided any documentation showing that I authorized these inquiries. They also did not provide the method of verification, a signed application, or any evidence required under the Fair Credit Reporting Act.

The credit bureaus continued to report these inquiries despite failing to produce any proof of permissible purpose. This violates multiple sections of the FCRA, including 604 ( a ) ( 2 ), 604 ( a ) ( 3 ), 604 ( f ), 607 ( a ), 609 ( a ) ( 1 ), 609 ( a ) ( 2 ), 609 ( e ), 611 ( a ), and 611 ( a ) ( 5 ) ( A ). Unverified information must be deleted, yet the bureaus did not remove the inquiries.

I am requesting assistance to require the credit bureaus to either provide documented proof that I authorized these inquiries or delete them immediately, as required by federal 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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am filing this complaint regarding Scott & Associates Attorneys at Law, located in XXXX, Texas, concerning their attempts to collect alleged debts related to Cause Nos. XXXX and XXXX. 
I have never communicated with or heard from this company regarding any alleged debt until I was served with court papers. At that point, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and submitted written debt validation requests by email on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Under FDCPA 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing, the debt collector must cease all collection efforts until they provide full validation, which includes : Verification of the debt The name of the original creditor Proof of legal authority to collect on the debt ( chain of custody/assignment documentation ) Supporting evidence showing I am responsible for the alleged obligation Scott & Associates has failed to provide proper validation. They only supplied billing statements, which do not constitute legal validation under federal law. They have not provided any of the following : A signed agreement or contract Documentation showing ownership or assignment of the debt Proof they have the legal right to collect on behalf of any creditor Despite my dispute, and despite lacking proof of standing, collection activities and litigation continue. A bench trial is scheduled for on or about XX/XX/XXXX, even though they have not legally validated the debt. 
On XX/XX/XXXX, I emailed a final notice of intent to pursue legal action if the violations continued. Scott & Associates did not respond and did not correct their actions..

Scott & Associates has : Failed to validate the alleged debts in violation of 15 U.S.C. 1692g Continued to pursue litigation and collection without providing validation, violating 15 U.S.C. 1692g ( b ) Failed to prove they have the legal authority/right to collect on the alleged debts Ignored multiple cease-collection requests Failed to respond to lawful dispute notices Additionally, if they have reported any negative credit information, such reporting is inaccurate and improper under the Fair Credit Reporting Act ( FCRA ) because : The debts remain disputed, and No legal validation has been provided I request immediate removal of any negative credit reporting regarding these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$22000.00} 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 2025-11-24 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: ID

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation.

Personal Information : Date of Birth : XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Inquiries : 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 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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by Citibank on my Citi Advantage account. Citi reported my account as over credit limit, but the balance only exceeded the limit because of accumulated fees and high interest charged by Citinot solely spending activity on my part. At no point did I receive mailed or electronic notice informing me that fees or raised interest would cause the account to exceed the limit, which is required under the CARD Act.

After discovering the fee-based over-limit reporting, I closed the account myself, not Citi. The over-limit condition happened before closure due to Citis internal fee stacking. Therefore, this is an inaccurate, incomplete, and misleading reportage under the Fair Credit Reporting Act ( FCRA ). 

I attempted to resolve this issue directly with Citi and am requesting verification and correction of the reporting.

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 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing to file a formal complaint against Aldous & Associates ( Collection Agency ) regarding their persistent and unlawful attempts to collect a debt that is not owed by me. The alleged debt pertains to a gym membership with XXXXXX/XX/XXXX 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Respondent ) : Aldous & Associates XX/XX/XXXX XXXX Aldous & Associates is attempting to collect an alleged outstanding balance for a XX/XX/XXXX membership. I formally dispute the validity of this debt and affirm that I have no contractual obligation to XX/XX/XXXXXXXX or Aldous & Associates for this amount. 

3. Evidence of Fraudulent Documentation Pursuant to my request for all documentation related to this alleged debt, Aldous & Associates provided a copy of the supposed membership agreement. 

The document provided is a contract that was NOT signed by me. 

The signature on the agreement is FALSE and was clearly not executed by me. 

Aldous & Associates claims this agreement was executed on XX/XX/year>. 

4. Impossibility of Execution Date The date of the alleged execution of the contract, XX/XX/year>, is impossible. 

On this specific date, I was working. 

I have verifiable employment records/time sheets ( which I can provide upon request ) that prove my location and activity on XX/XX/year>, making it physically impossible for me to have been present at a XXXXXX/XX/XXXX XXXX location to sign a membership contract. 


Original Creditor : XX/XX/XXXXAccount Number XXXX Amount Allegedly Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
In XX/XX/year>, Zales reported my account 30 days late. I've since provided proof that the account was paid on time andXX/XX/XXXXandXX/XX/XXXX has updated my credit file to pay as agreed. HoweverXX/XX/XXXXis still reporting my Zales account 30 past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest has repeatedly refused to process my medical-hardship deferment request even though I fully qualify and provided clear documentation of my medical disability, work restrictions, and lack of income.

I am currently : Non-weight-bearing due to XXXX XXXX and a XXXX XXXX Under doctor-mandated work restrictions Unable to work Receiving zero income while waiting for short-term disability benefits to begin I explained this to Bridgecrest many times through their official communication line ( screenshots provided ). I clearly stated that I needed a medical hardship deferment, which is an option Bridgecrest advertises.

Despite that, Bridgecrest : 1. Ignored my medical restrictions and lack of income 2. Refused to review or process the hardship deferment request 3. Refused to provide escalation to a supervisor authorized to approve hardship deferments 4. Repeatedly pressured me into a payment plan I can not afford 5. Provided contradictory information and no meaningful review of my circumstances 6. Failed to offer any reasonable accommodation for a borrower in active, documented medical hardship Bridgecrests refusal to process the deferment violates their own written hardship policies and creates unnecessary financial harm to a medically disabled borrower who is following proper procedures.

I acted in good faith, communicated clearly, and requested the exact deferment that Bridgecrest claims to offer.

Their refusal creates unfair pressure and places my account at risk solely because their representatives refused to escalate or review the situation properly.

No payment was due at the time of either deferment request, as both were submitted before any payment became past-due.

Company response to consumer: Closed with explanation