vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am disputing the accuracy of the multiple late payment entries reported on my credit report. These late payment histories are incorrect and do not reflect my actual payment behavior. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information. I request that the credit bureau conduct a full investigation into these entries and remove all inaccurate late payment histories from my credit report 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 2025-12-22 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: TX

Complaint narrative:
I am disputing the accuracy of the multiple late payment entries reported on my credit report. These late payment histories are incorrect and do not reflect my actual payment behavior. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information. I request that the credit bureau conduct a full investigation into these entries and remove all inaccurate late payment histories from my credit report 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company : Midland Credit Management , Inc . 
Account Number : XXXX Original Creditor : XXXX XXXX XXXX  I am filing this complaint due to Midland Credit Managements willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) involving the same alleged debt being reported inaccurately, inconsistently, and illegally re-aged across my credit reports.

Summary of Violations Midland Credit Management is furnishing multiple conflicting versions of the same account to the consumer reporting agencies, each with different dates, statuses, and remarks. These discrepancies materially damage my credit and violate federal law.

Specifically, Midland is reporting the same account with three different last activity dates : XX/XX/XXXX account shown as open XX/XX/XXXX account shown as charge-off XX/XX/XXXX account shown as charge-off with recent activity An account can not simultaneously be open and charged off, nor can its delinquency date move forward years later. This constitutes illegal re-aging in violation of FCRA 605 ( c ).

Additionally, Midland is reporting the same debt under multiple tradelines, multiple addresses, and inconsistent remarks, including : Open Charge-Off Unpaid Balance Reported as Loss Account Information Disputed by Consumer This is false, misleading, and internally contradictory reporting. 

Prior Disputes Ignored I have sent multiple written disputes directly to Midland Credit Management, including : Debt validation requests under FDCPA 1692g ( b ) Direct disputes under FCRA 623 ( b ) A final notice of non-compliance demanding deletion or full validation All were sent by mail and documented. Despite this, Midland failed to provide lawful validation and continued to report the account inaccurately.

Laws Violated Midland Credit Managements conduct violates, but is not limited to : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information they know or should know is inaccurate FCRA 623 ( b ) Failure to conduct a reasonable investigation after dispute FCRA 607 ( b ) / 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 605 ( c ) Illegal re-aging of delinquent accounts FDCPA 807 ( 15 U.S.C. 1692e ) False and misleading representation of a debt Harm Caused Because of Midlands inaccurate and unlawful reporting, my credit profile has been materially harmed, including : Artificially extended negative reporting period Improper derogatory status updates Ongoing credit damage despite multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts in dispute, separated by bureau : INQUIRIES : XXXX  Account Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
As per 15usc 1611 XXXX  XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXXXXXX XXXX XXXX XXXX  XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX XXXX. XXXX Federal Trade Commission. XXXX State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom it May Concern, I am compelled to bring to your attention the mishandling of a XXXX payment I initiated with Bank of America on XX/XX/XXXX. The payment, in the modest amount of XXXX dollars, was directed to a family friend holding a U.S. account with no connections to any sanctioned entities. Nevertheless, it was flagged for sanctions review. At first, I was told that the matter was out of their hands, leaving me without guidance or recourse and signaling a troubling lack of accountability. 

Over the course of XXXX calls on XX/XX/XXXX, XXXX, XXXX, and XXXX, I spent more than XXXX XXXX minutes, excluding wait times, attempting to resolve this issue. On XX/XX/XXXX, I was finally asked questions regarding the transaction and informed that the XXXX XXXX Department would review the case and provide a determination within seventy two hours. That promised determination never arrived, and I received no written correspondence, leaving me in prolonged uncertainty regarding the status of my funds.

While I understand the necessity of sanctions screenings, the lack of timely addressal and clear communication regarding this issue caused considerable disruption. I was unable to partake in wedding events and meet associated payment deadlines, and the time required to address this matter highlights deficiencies in Bank of Americas management and oversight. This experience reflects a broader disregard for consumer financial protection, as further underscored by the XXXX XXXX XXXX dollars in fines the institution incurred in XXXX. 

Although the transaction was small, in the amount of {$90.00} USD, the burdens imposed upon me exemplify systemic issues in responsiveness, transparency, and accountability. I respectfully urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Bank of America provides a full explanation not only of why the payment was flagged but also of the lack of timely addressal of this issue, confirmation of the payments ultimate status, and acknowledgment of the delays and mismanagement that imposed an undue burden on me as a consumer. 

Thank you for your attention to this matter. I trust that your intervention will reinforce principles of transparency, accountability, and consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Bank : SoFi Bank, N.A. 
Amount : {$260.00} Transaction Date : XX/XX/XXXX Merchant : XXXX XXXX Issue Type : Incorrectly held funds/ refusal to release reversed authorization / poor customer service Complaint Details : On XX/XX/XXXX, I made a payment to XXXX XXXX in the amount of {$260.00}. The merchant reversed the payment the same day because the amount was incorrect. The transaction never settled. 

As of today, XX/XX/XXXX, SoFi Bank continues to hold the {$260.00} and refuses to release the funds. I was told that SoFi requires proof from the merchant that the funds were released. XXXX XXXX has confirmed that they do not provide such documentation, as the transaction was a same-day reversal and never settled. 

I contacted SoFi customer service and spoke with a supervisor named XXXX. During this call, the representative from XXXX XXXX was also present. XXXX XXXX was unprofessional, dismissive, and stated there was no one else I could speak to. He refused to escalate the matter and ended the call abruptly, effectively hanging up on both myself and the merchant representative.

SoFi is improperly holding funds from a reversed authorization and refusing to manually release the hold. I am being told the funds will not be released until XX/XX/XXXX, which is unreasonable given that the transaction was reversed the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
Dear [ Credit Bureau Name ], This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding multiple entries on my credit report that contain inaccurate and unverified information, damaging my creditworthiness and violating my rights as a consumer.

Please perform a thorough reinvestigation of the following accounts and remove them unless they can be fully validated with original documentation from the data furnisher. 
Below are the disputed entries and the basis for each dispute : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not 120 or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ).

It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? 
The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( x3 ) Account # 1 Balance : {$130.00} Account # 2 Balance : {$160.00} Account # 3 Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( YouFit Gyms ), and were reported on different dates for similar amounts.

These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting.

They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. 
I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records. 

Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
Dear [ Credit Bureau Name ], This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding multiple entries on my credit report that contain inaccurate and unverified information, damaging my creditworthiness and violating my rights as a consumer.

Please perform a thorough reinvestigation of the following accounts and remove them unless they can be fully validated with original documentation from the data furnisher. 
Below are the disputed entries and the basis for each dispute : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not 120 or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ).

It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? 
The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( x3 ) Account # 1 Balance : {$130.00} Account # 2 Balance : {$160.00} Account # 3 Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( YouFit Gyms ), and were reported on different dates for similar amounts.

These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting.

They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. 
I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records. 

Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XX/XX/year> files a dispute and they closed the account on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by XXXX U.S.C. XXXX. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under XXXX U.S.C. XXXX, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within XXXX ( XXXX ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> Pursuant to XXXX U.S.C. XXXX, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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