vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Fortress University Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I enrolled in XXXX XXXX financial education and credit coaching program after a phone sales presentation. I was told I could cancel at any time and that credit repair services were included. I signed an electronic agreement authorizing financing through XXXX XXXX XXXX ( XXXX ) for {$3000.00}, to be paid over 36 months at $ XXXX. I made an initial payment. 

Shortly after, I attempted to cancel the program due to dissatisfaction with the service and lack of clarity about what was being provided. I followed cancellation instructions, yet billing continued. I was told I still owed another monthly payment, even though I had canceled. 

When I requested cancellation confirmation and a refund for services not rendered, I received an aggressive email from a Fortress representative threatening to file a UCC-1 lien for XXXX XXXX against my assets if I did not stop a chargeback initiated through my bank. The email accused me of committing bank fraud and included threats of legal and financial consequences. These coercive tactics were alarming and appear to be aimed at intimidating me into paying after I had canceled. 

I also contacted XXXX to dispute the loan, and they stated the loan was sent back to Fortress. However, Fortress still claims I owe a balance and has not refunded any amount. 

I believe the advertising and disclosures were misleading, the loan agreement was misrepresented, and the threats of a UCC lien are abusive and potentially unlawful under the Credit Repair Organizations Act ( CROA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On around the XX/XX/XXXX or so I summited a disupte for a couple of collections that were paid. Its been over 30 days and they have yet to update any of them. Its keeping me from getting an apartment and XXXX at risk of going homeless

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 2025-11-19 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: 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 2025-11-19 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: 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 non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Details of the Dispute : Subscription/Merchant Error : I canceled a subscription with Hims/Hers in XX/XX/XXXX. Hims/Hers continued to charge my account without my knowledge. Since this was the only transaction on the card, I was unaware of the recurring charges or the resulting past-due balance. 
Resolution of Charges and Fees : Upon notification in XX/XX/XXXX, I contacted Hims/Hers, and they acknowledged their error and reimbursed the subscription charges. 
I then contacted XXXX, and XXXX acknowledged the mitigating circumstances by reversing the associated late fees on the account. 
Inaccurate Reporting : Despite the charges and subsequent fees being fully resolved and the late fees being reversed by XXXX, a " XXXX Late Payment for 3 months '' remains reported on my TransUnion credit file for XXXX period of XX/XX/XXXX to XX/XX/XXXX. 
Conflict : I have been advised by TransUnion to contact XXXX to remove the negative remark, which confirms that XXXX, as the furnisher, has the sole authority to update the reporting. 
Request for XXXX : I request that XXXX conduct a thorough re-investigation into this matter, taking into consideration the reversal of the late fees, which serves as clear evidence that XXXX itself found the circumstances mitigating and acknowledged the non-standard nature of the delinquency. 
I formally request the immediate removal of the inaccurate Late Payments reporting for the month of XX/XX/XXXX to XX/XX/XXXX from all credit bureaus to reflect an accurate " Paid on XXXX '' status. This has prevented me from taking advantage of down payment assistance for a 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am disputing a medical collection being reported by Wakefield & Associates. On XX/XX/year>, I sent a validation request asking for : Provider name Dates of service Itemized charges Proof of assignment XXXX documentation I have not received proper validation, yet the account continues to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) claimed they mailed me verification of the debt on XX/XX/year>, but I never received this alleged validation, and they provided no proof of delivery or tracking. Under FDCPA 15 USC 1692g, the collector must provide actual validation, not simply claim that something was mailed.

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 2025-11-19 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I disputed XXXX charges on my XXXX XXXX Credit Card XXXX Comenity Capital Bank ) on XX/XX/XXXX by phone. XXXX charge for {$89.00} was reversed on XX/XX/XXXX, confirming that the dispute call occurred. However, Comenity has refused to provide written confirmation of the remaining XXXX disputed charges, despite multiple messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Comenity has not sent the federally required written acknowledgment within 30 days, nor any documentation listing the specific transactions being investigated. They have only sent generic your dispute is being reviewed messages that do not confirm whether all XXXX transactions were included in the dispute. 

The XXXX unresolved disputed charges from XX/XX/XXXX are : {$19.00}, {$4.00}, {$37.00}, and {$120.00}. XXXX confirmed that I made no purchases on XX/XX/XXXX, and my account history shows no orders for these amounts. I provided screenshots showing my purchase history and the disputed transactions. 

As we approach the 90-day deadline, I still have no written confirmation of the dispute details, no mailed acknowledgment, and no information about which charges are included in the investigation. Comenitys lack of communication is preventing me from knowing whether my dispute is being handled correctly and is violating the Fair Credit Billing Act requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint because Capital One failed to conduct a reasonable investigation into a valid billing dispute ( Case XXXX ), in violation of the Fair Credit Billing Act ( FCBA ). 

The Transaction : On XX/XX/year>, I purchased 3-Day festival tickets for {$590.00}. The merchant CANCELLED a material portion of the event ( the Saturday headline act, XXXX of the festival ). 

The Dispute : The merchant admitted in writing that the event was " cancelled '' and services were " partial. '' They offered a " remedy '' ( Sunday entry ) that was worthless to me because I already held a 3-day pass that included Sunday. 

Capital One 's Failure : 1. Per Capital One 's own guidance, I submitted a " XXXX XXXX '' limiting my dispute to the specific cancelled portion ( {$190.00} ) to be reasonable. 
XXXX. I submitted the invoice ( proving I had 3-day tickets ) and proof of my unanswered attempts to resolve the issue with the merchant. 
XXXX. On XX/XX/year>, Capital One summarily closed the case claiming my response " lacks all of the previously requested information. '' This is demonstrably false ; I submitted every requested document. 

Capital One has failed to review the evidence and ignored my compromise offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX - Balance : {$2000.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$3000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: PA

Complaint narrative:
I filled a dispute with cashapp regarding item not recieved on a number of transactions from XXXX XXXX. Upon filing the complaint via email ( like i was told due to the number of transactions ) I got the run around for 3 days and was told after being bounced to XXXX different reps that I would need to call in. Well after XXXX complaints internally and escalating it on the phone we got the dispute started. Its for almost {$4800.00} and the fact that they didnt want to open it originally was ridiculous and want to file a formal complaint to make sure this gets handled properly. I know they got sued a while back by California for this exact thing so want this to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I am disputing XXXX collection accounts being reported by Midland Credit Management , Inc. ( Accounts # XXXX for {$2600.00} and # XXXX for {$5800.00} ). Both accounts were placed for collection and linked to XXXX XXXX  and XXXX XXXX, yet I have never been provided proper notice, required disclosures, or any legally sufficient validation. 

I have no verified relationship with Midland Credit Management and have not received any documentation proving that these debts are accurate, valid, legally owed, or that Midland has the right to collect or report them. Despite multiple disputes, Midland continues reporting without providing : The original credit agreement A full itemized breakdown of the balance Chain of title or assignment records proving ownership Forward flow or purchase agreements Payment history documentation Validation notice required by FDCPA 1692g Notice of default or notice of intent to collect Proof that the debt is within the statute of limitations Documentation of prior dispute investigations Instead, Midland has responded only with generic automated responses, which do not meet federal validation standards and do not resolve the dispute. 

Continuing to report or attempt to collect on an unvalidated debt violates the FDCPA ( 15 U.S.C. 1692g ( b ) ), and continuing to furnish unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ), especially after a dispute has been filed. 

Because these accounts remain unverified and legally unsupported, they should not be reported or collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX - Date of Birth : Date of Birth : XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. I am formally disputing the inaccurate personal identifiers appearing on my credit file. Under FCRA 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be deleted immediately. These identifiers are not accurate and must be removed from my credit file to prevent further reporting errors. Please provide me with the method of verification used to verify this information. If no valid verification exists, delete immediately.

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 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a text message from my bank, Chime Bank, about a charge of {$200.00} from XXXX from a company called XXXX. The text asked me if I had made the charge. I replied back that it was NOT authorized by me. I then got a text saying that I would not be charged for the amount. Chime still went through with the charge. I disputed the charge according to the rules of the bank. I sent a screenshot of the text exchange about the charge and I also contacted XXXX and they confirmed that I did not have an open account with them. XXXX told me they would research and get back with me but never did.

Company response to consumer: Closed with explanation