vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Calls several times throughout the day. Calls during hours when Im asleep. I told them I do not have the finances right now. I am out of work. Since I no longer answer their phone calls, I will randomly receive mail that repeats my options for esolving my debt. It is becoming stressful. I not only lost my job, but I also lost my mom suddenly in XXXX. I am overwhelmed with the losses in my life at the moment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My debit card was charged on XX/XX/year> by XXXX XXXX XXXX I called Wells Fargo to dispute the transaction. They issued me a provisional credit. Then sent me a letter saying a weeks later that they will take the money back because my claim was denied. I do not have a 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis has been recording incorrect driver history for me and my wife. I did not know until the new insurance company told me that they needed to revise their quotation upward due to the records in LexisNexis. I have written several letters to LexisNexis, initially asking them to disclose the source of their records on me, and then told them what the mistakes are. I asked for a written reply, but they never did. Instead, they kept asking me to phone their customer service, which is a computer not programmed to handle my type of problem, ended up wasting a lot of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am filing this complaint to formally report inaccurate information appearing on my credit report, and I suspect potential misreporting that may stem from identity theft or systemic error. 
XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX | Account # : XXXX ) Date Opened : XX/XX/year> Reported Balance : {$0.00} ( Experian shows {$61.00} ) The inconsistency in reported balances between credit bureaus raises concern regarding compliance with accurate data furnishing under the FCRA. No documentation or validation has been provided. I am formally requesting deletion or proper correction of this account.

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 2025-06-19 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: CA

Complaint narrative:
I am filing this complaint to formally report inaccurate information appearing on my credit report, and I suspect potential misreporting that may stem from identity theft or systemic error. 
XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX | Account # : XXXX ) Date Opened : XX/XX/year> Reported Balance : {$0.00} ( Experian shows {$61.00} ) The inconsistency in reported balances between credit bureaus raises concern regarding compliance with accurate data furnishing under the FCRA. No documentation or validation has been provided. I am formally requesting deletion or proper correction of this account.

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 2025-06-18 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am disputing collection accounts that remain on my credit report after requesting validation and have not been properly validated. I sent a written request to the debt collectors requesting full validation of the alleged debts. In response, I did not receive any legally sufficient documentation ( such as a signed contract or detailed account statements ). These accounts continue to be reported to the credit bureaus, damaging my credit. 
Aldous and Associates {$160.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shepherd Outsourcing, LLC
State: WA

Complaint narrative:
On the morning of XX/XX/scrub>XXXX XXXX  I received a voicemail from Rocky Mountain Capital Management stating they had an affidavit and would proceed with wage garnishment for an alleged debt. I have never received any legal documentation, court summons, or validation of this debt. The threatening nature of the voicemail caused significant emotional distress and impacted my ability to work that day. 

Roughly an hour later, I received a text message from XXXX XXXX on behalf of Rocky Mountain Capital, which simply provided a link and phone number for payment with no mention of wage garnishment or urgency. This inconsistency leads me to believe the voicemail was meant to intimidate me into paying without due process. 

I now believe these actions violated the Fair Debt Collection Practices Act ( FDCPA ), particularly by using false or misleading threats of legal action. I am seeking assistance and formal investigation into their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA XXXX XXXX XXXX  Account Dear Experian I am writing to formally dispute inaccurate and harmful information being reported on my credit file. This pertains specifically to the following account : Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status : Closed, {$310.00} past due as of XX/XX/XXXX Balance : {$1700.00} Credit Limit : {$500.00} This account reflects multiple derogatory marks, including severe delinquencies ( 30, 60, 90, 120, and 150 days past due ), which I believe are being reported inaccurately and without proper documentation or permissible purpose under the law.

Legal Basis for My Dispute : 1FCRA Section 611 [ 15 U.S.C. 1681i ] I am exercising my right to dispute information that I believe to be inaccurate or unverifiable. I request a reinvestigation of this account and for it to be removed if not substantiated by original and verified documentation.

2FCRA Section 604 [ 15 U.S.C. 1681b ] I never gave written authorization or consent for XXXX XXXX XXXX  to report or furnish this information to the credit bureaus.

3FCRA Section 609 [ 15 U.S.C. 1681g ] I am formally requesting the complete method of verification for this account, including : Signed application bearing my signature The original contract Complete payment history Proof of permissible purpose to report this information 4FCRA Section 605B [ 15 U.S.C. 1681c-2 ] If this account involves identity theft or any data breach, it should be blocked from appearing on my credit report.

Action Requested : Please initiate a reinvestigation into this matter.

If the account can not be fully verified as accurate with proper documentation, it must be removed from my credit file.

Send me the results of your reinvestigation and provide all documentation used to verify the account.

This letter serves as a formal notice of dispute. Please consider this my official request under the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA XXXX XXXX XXXX  Account Dear Experian I am writing to formally dispute inaccurate and harmful information being reported on my credit file. This pertains specifically to the following account : Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status : Closed, {$310.00} past due as of XX/XX/XXXX Balance : {$1700.00} Credit Limit : {$500.00} This account reflects multiple derogatory marks, including severe delinquencies ( 30, 60, 90, 120, and 150 days past due ), which I believe are being reported inaccurately and without proper documentation or permissible purpose under the law.

Legal Basis for My Dispute : 1FCRA Section 611 [ 15 U.S.C. 1681i ] I am exercising my right to dispute information that I believe to be inaccurate or unverifiable. I request a reinvestigation of this account and for it to be removed if not substantiated by original and verified documentation.

2FCRA Section 604 [ 15 U.S.C. 1681b ] I never gave written authorization or consent for XXXX XXXX XXXX  to report or furnish this information to the credit bureaus.

3FCRA Section 609 [ 15 U.S.C. 1681g ] I am formally requesting the complete method of verification for this account, including : Signed application bearing my signature The original contract Complete payment history Proof of permissible purpose to report this information 4FCRA Section 605B [ 15 U.S.C. 1681c-2 ] If this account involves identity theft or any data breach, it should be blocked from appearing on my credit report.

Action Requested : Please initiate a reinvestigation into this matter.

If the account can not be fully verified as accurate with proper documentation, it must be removed from my credit file.

Send me the results of your reinvestigation and provide all documentation used to verify the account.

This letter serves as a formal notice of dispute. Please consider this my official request under the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called for payment options as the pandemic was going on and I have no money to pay the auto loan because at the same time my father died and I was around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked about the options and they didnt explain a payment plan. My house got vandalized and as soon as I submitted the check the insurance sent me for all my vandalized items. Navy Federal took all the money, leaving me and my XXXX children in the street with nothing only our shoes and our clothes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Accounts open in different names. Accounts shall be removed until out of deferment. Payments have been put on pause due to continuing education and teacher deferment.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
XXXX account services this company keeps on calling while Im at work and sending messages I had told them to stop calling but problems still going on they also put account in collection and are charging me more than what I owed XXXX XXXX  this is very abusive I feel very harassed with this actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief