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: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX because they are reporting a charged-off credit card account that they no longer own. 

XXXX XXXX sent me a written notice stating : Your XXXX XXXX XXXX Credit Card account has been sold to XXXX XXXX XXXX XXXX XXXX. We are no longer able to assist with inquiries or accept payments for this account. 

Because XXXX XXXX sold the account, they : no longer own the debt can not validate the account can not legally investigate my dispute can not furnish information to the credit bureaus have no permissible purpose to keep reporting the account redirected me instead of fulfilling their FCRA obligations Despite admitting they do not own the account, XXXX XXXX continues reporting the account on my credit report as a charge-off. This is inaccurate, misleading, and unlawful. 

I did not authorize this account. My personal information was exposed in a data breach, and I disputed this account with the credit bureaus and with XXXX XXXX directly. 

Instead of validating the account, XXXX XXXX refused to assist and told me to contact XXXX XXXX, even though they are still furnishing data under their own name. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) duty to furnish accurate information FCRA 623 ( b ) duty to conduct a lawful reinvestigation after dispute FCRA 607 ( b ) maximum possible accuracy CFPB rules prohibiting deceptive and evasive responses XXXX XXXX is reporting an account they do not own, can not validate, and refused to investigate. 
I am requesting CFPB assistance because their actions are harming my credit and violating 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 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: GA

Complaint narrative:
THEFT & DATA BREACH DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XXXX XXXX RE : FORMAL IDENTITY THEFT DISPUTE FCRA 605 ( b ), 611 ( a ), 1681b FTC Identity Theft Report # : XXXX To Whom It May Concern : This letter serves as my formal identity theft dispute, data breach notification, and demand for deletion of fraudulent accounts and inquiries pursuant to my rights under : FCRA 605 ( b ) Prohibiting reporting of information resulting from identity theft FCRA 611 ( a ) My right to dispute and require reinvestigation FCRA 1681b ( f ) Prohibiting access to my credit file without permissible purpose I am a documented victim of identity theft and data breach, as supported by my official FTC Identity Theft Report attached to this dispute Under FCRA 605B, you are federally required to block all fraudulent information within 4 business days of receiving this identity theft documentation.

1. ACCOUNTS & INQUIRIES CREATED BY IDENTITY THIEVES The following accounts were not opened by me, were created through identity theft, and must be blocked and removed immediately : Fraudulent Accounts : XXXX XXXX  Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$640.00} XXXX  XXXX ( Second Account ) Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX. ADDITIONAL ACCOUNTS TO BE REMOVED ( XXXX / RESULT OF THEFT ) I am invoking my rights under FCRA 605B and 609 regarding prior removals and unverifiable data. 

Please delete the following accounts, which are inaccurate, fraudulent, or previously removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA 1681b PERMISSIBLE PURPOSE VIOLATIONS/ DATA BREACH I am also disputing all unauthorized inquiries and access to my consumer report. Any party who accessed my file because of stolen personal data did so without permissible purpose. 

I demand : Removal of any inquiry without permissible purpose A list of all entities who accessed my file in the past 24 months Documentation of the permissible purpose for each access

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Subject : Urgent Complaint Midland Credit Management / Midland Funding To : CFPB Consumer Complaint Portal ( or XXXX if emailing ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Midland Credit Management ( MCM ) and Midland Funding, LLC concerning a credit card debt originally issued by XXXX. 

Despite multiple requests, XXXX XXXX has refused to provide full debt validation, including : Proof of the chain of assignment from XXXX to Midland Funding The original account contract Complete payment history Documentation of any changes in balance Instead, they provide only generic letters claiming validity and have lied in writing regarding the debt and their authority to collect. They have also stated they will send it and look into my online portal, with no results. 

I am concerned that XXXX XXXX XXXX be : Misreporting this debt to credit bureaus Violating the FDCPA ( 15 U.S.C . 1692 et seq. ), FCRA ( 15 U.S.C. 1681 et seq. ), and Missouri consumer protection laws ( Chapters 407 & 408 ) Requested Action : I request that the CFPB : Investigate MCM/ Midlands collection practices immediately. 

Require full documentation proving their legal authority to collect this debt. I have no formal or legal contract with Midland regarding this debt.

Ensure that any inaccurate reporting or improper collection actions are corrected or removed from my records.

Timeline : I request that this matter be fully addressed within 7 days due to the ongoing harm caused by MCM/ Midlands actions. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
XX/XX/2025 I notice I had an account open and collections that I have no knowledge of I have spoken to them actually remove that no response.

Under the fair credit act 15 U.S.C. 1692g I have asked for verification debt have received nothing of the original documentation with my signature. They have failed to respond.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I provided details about unauthorized transactions made through Cash App. My phone and personal belongings were stolen, and I did not authorize these payments. I also filed a police report for this incident. Provided an email that Cash App stated my account is no longer active. XX/XX/year> {$300.00}, XX/XX/year> {$300.00}, XX/XX/year> {$600.00} and XX/XX/year> {$300.00}. Total is {$1500.00}. I have spoke to Cash App through email and I keep getting different representatives with no help. I provided what I could along with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: OR

Complaint narrative:
XXXX XXXX Account Debit Card was sent to me. I did not order, request, or participate in any sort of promotion to get this account and card established.

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: LA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: NY

Complaint narrative:
They installed an XXXX equipment 's and eve since this, the products don't work the right way. Our coldest day in XXXX XXXX here about a week ago, me and my family were so cold and I called the sales guy that came here an let him know that the equipment is not working and that no one is listening to me. 

He said he was on the phone with his supervisor to try and fix the problem because I have babies here and we were all sick because the house was so cold. I told him how they are neglecting and putting our health in danger. Then next day they sent XXXX guys that came and reset the entire system. But since then, it has happened XXXX more times which am calling, and the mailbox is full. 

The only time I hear from them is when they need to collect money and I told them that I can not continue to pay for a faulty equipment 's and secondly, I found out that I was even overcharged for the equipment because a find pay way less than they are charging me and on top of that it's in their contract that when they damage your things, it's their responsibility to fix it but they NEVER did! 
They damaged my artwork and camera and till this day they never made any attempt to fix.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing several unauthorized hard inquiries on my Experian file. I did not authorize these inquiries. Under FCRA 1681b, Experian must ensure every inquiry has documented consumer authorization and a permissible purpose.

Provide proof that I authorized these inquiries : Disputed Experian Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Required Under FCRA 1681i : 1. A copy of the signed authorization for each inquiry 2. The permissible purpose claimed under 1681b 3. The furnishers identifying information If no signed authorization exists, Experian must delete the inquiries immediately.

Fraudulent Inquiry Declaration : I declare under penalty of perjury that I did not authorize any of the inquiries listed above.

This letter also serves as a Cease & Desist demand prohibiting any further unauthorized access to my Experian credit file.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit info was used to try and open 2 fraudulent credit accounts. I am a victim of identity theft. Please dispute and remove following inquires

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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I contacted my mortgage servicer to request early removal of XXXX. During that recorded call, I told the representative that I believed I met the required value because I already had an XX/XX/XXXX appraisal showing about {$980000.00}. Even after I disclosed this, I was told that a Broker Price Opinion ( BPO ) was the only option available for XXXX  removal. Relying on that information, I proceeded with the BPO.

The BPO was completed in late XX/XX/XXXX and returned a value of {$900000.00}, resulting in a denial. I disputed the result in XX/XX/XXXX, submitted comparable sales, and asked for reconsideration. I was told that XXXX XXXX maintained agreement with the denial, but no supporting documentation or explanation was provided. 

When I inquired about XXXX removal again in XX/XX/XXXX, I was told that I actually had the option of choosing either a BPO or a full appraisal. This directly contradicted what I was told in XXXX. Because I now understood that a full appraisal was allowed, I paid {$650.00} for one. The appraisal ( early XX/XX/XXXX ) returned a value of {>= $1,000,000}, and XXXX was removed immediately. Had I been given correct information in XXXX, XXXX would have been removed months earlier and I would not have paid XXXX premiums during that time ( approximately {$450.00} per month ). 

After my first CFPB complaint, I filed a complaint with the Texas XXXX XXXX XXXX XXXX XXXX  XXXX. The XXXX XXXX later closed the matter with insufficient evidence, which they clarified was not a determination that no violation occurred. The servicer then issued multiple written responses to me, my co-borrower, the XXXX, and CFPB. These responses were inconsistent with each other. Early letters stated that I elected a BPO over an appraisal in XXXX ; later letters revised this to say I merely initiated the request with a BPO. Some letters acknowledged the XX/XX/XXXX appraisal ; others did not. Letters sent to me and my co-borrower described the sequence of events differently, despite being generated by the same department. 

Because of inaccurate and contradictory information about valuation options, I relied on incorrect guidance in XX/XX/XXXX, was denied XXXX removal based solely on a BPO, and continued paying XXXX until XX/XX/XXXX. I believe these represent servicing errors and failures to provide accurate information under Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit I signed up for a 2 year period to repay my balance. The interest rate was 0 %. At 18 months I was charged an amount in interest that was 50 % of the original amount charge. There was no credit given for the amount already paid offed. Interest was charged on that as well as the existing balance.

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 monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Issue : Incorrect information on my credit report ; failure to provide proper delinquency notices ; late reporting based on fees ; unauthorized dispute filed by creditor. 

Complaint : Milestone/Concora Credit is inaccurately reporting late payments on my credit report. These late marks were generated solely from fees, not unpaid credit purchases. I was not provided legally required delinquency notices, itemized statements, or periodic statements showing past-due status for the affected months. 

The only communication I received was a generic past due email with no statement attached, no dates, and no itemization. This does not satisfy the notice requirements under TILA ( 12 CFR 1026.7 ) or the CARD Act. Without periodic statements showing delinquency, a creditor can not legally furnish a 30-day late mark.

During a recent call, Milestones representative informed me that she filed a dispute with the credit bureau on my behalf, even though I explicitly told her NOT to do so. Under FCRA 611 and 623, only the consumer may initiate a dispute unless explicit written authorization is given. Milestone filed it anyway. This is a procedural violation and interferes with my right to dispute directly. 

Milestone has been unable to provide : Proper delinquency notices Monthly periodic statements showing aging past due Proof of delivery of any required notices Documentation verifying actual 30-day delinquency Records showing the balance was anything other than fees Therefore, the late reporting is inaccurate, unverifiable, and misleading, violating FCRA 623 ( a ) ( 1 ).

I am requesting regulatory review and the following : 1. Removal of all late-payment entries linked to this account 2. Correction of the trade line 3. A full investigation into the unauthorized dispute filed by their representative 4. Copies of all statements and notices they claim were sent This inaccurate reporting is materially harming my mortgage qualification. 

Sincerely, XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: FL

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

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

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

Company response to consumer: Closed with explanation