vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When XXXX XXXX closed my credit card account, they never provided me with a new repayment schedule or due dates. For the first month, I was completely unable to log in to my account to see any payment information. 

I called after receiving a late payment alert and was told the delinquency was due to an overdraft. However, the representative could not tell me what my new monthly payment amount was or when it was due. When I eventually regained access to the app, it showed no amount due, which caused further confusion. 

Despite being unable to use the card or clearly see my payment obligations, XXXX XXXX continued to charge interest and reported late payments to the credit bureaus. This situation was out of my control, and I made multiple attempts to resolve it with their customer service without receiving clear or timely answers. 

This inaccurate reporting and lack of communication have negatively impacted my credit score, and I believe it is unfair to penalize me when I was not provided with the proper repayment information.

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 2025-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
They are re-aging this debt by 2 years which is illegal and against the law FCRA 15 USC 1681C The original date of collection was XX/XX/XXXX they re aged the debt for XX/XX/XXXX which they can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Midland Credit Management XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, regarding an alleged debt collection matter that I dispute in full. 

I received a debt collection notice from this company for a debt that does not belong to me. Upon receipt, I promptly submitted a Debt Validation and Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing the validity of the alleged debt and requesting verification and supporting documentation.

Despite this, the company has : Failed to provide proper validation or documentation confirming that I am the correct debtor. 
Continued or attempted to pursue collection activity without verifying the debt. 
Potentially accessed or reported information to the credit bureaus without permissible purpose, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

This situation also involves identity theft, for which I have filed police reports and taken appropriate actions to protect my credit and identity. I believe Midland Credit Management XXXX XXXX has acted in violation of both federal and state consumer protection laws by attempting to collect a fraudulent or misattributed debt. 

I request that the Consumer Financial Protection Bureau : 1. Investigate the actions of Midland Credit Management XXXX XXXX regarding this account. 
2. Require the company to provide full documentation supporting its claim or to cease all collection and credit reporting activity related to this alleged debt.

3. Ensure deletion of any negative or disputed information this company has placed on my credit reports.

4. Hold the company accountable for any violations of the FDCPA or FCRA uncovered during the investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I placed an order on XXXX on XX/XX/year> but due to delivery issue the package didnt delivered to me. It was directly returned back to sender. On XX/XX/year> merchant email me to confirmed they received the returned package and will process refund to me. On XX/XX/year> merchant email me said they reimbursed my bank in mid of XXXX already. But I didnt get any money Back to my account. Then I contact bank to dispute the charge and also fax the conversation record between merchant and me to my bank. But bank denied my dispute claim. I contact bank again more than 5 times they alll told me they reopen the claim for me and noted all information I provided but until now still nothing update.

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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, I applied for and was approved for the CHASE United Club Card. The promotion with the card was for XXXX XXXX and XXXX PQPs after spending {$5000.00} within three months. 

On XX/XX/year>, I contacted CHASE Customer Service to request assistance with paying the {$690.00} Annual Membership Fee using my XXXX XXXX. The request was submitted ; however, immediately afterwards, another message was generated stating : There was a problem with your Pay Yourself Back request. '' At which time, a ticket was allegedly submitted to resolve the issue. However, as of this date, I have contacted CHASE Customer Service over ten times and I continue getting the runaround. Specifically, I'm told that a ticket has been created and someone will contact me within 2-3 business days. 

On XX/XX/year>, CHASE Cardmember Service sent me a letter regarding the Pay Yourself Option stating : " We have processed the request, please allow two to three business days for it to reflect on the statement. '' Lastly, as of this date, I have received NO telephone call or e-mail from CHASE regarding this matter. In addition, after satisfying the {$5000.00} spending requirement, I have yet to see the XXXX XXXX and/or XXXX PQPs post to my XXXX XXXX account XXXX 

In closing, CHASE Customer Service has been completely incompetent and should be investigated for their fraudulent practices. The bottom line is I refuse to pay for the annual membership fee with my own money. Therefore, if they do not want to honor their own rules and promotions, I submit I am willing to litigate this matter if they wish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Palmar, Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Please get these high hard inquiries off my account. I have proof I am a creditor with private security agreement, which gives me the lawful right to discharge any debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-10-18 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: CA

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX collection account for XXXX Bank ( opened XX/XX/XXXX, balance {$950.00} ). My report lists inconsistent closed and last activity dates ( XX/XX/XXXX and XX/XX/XXXX ) and conflicting dispute statuses across bureausone bureau lists disputed by consumer, while others state not disputed. 

This inconsistency violates FCRA 611 ( a ) ( 1 ) and 607 ( b ), which require uniform, verified, and accurate information. Because the furnisher has not reported the same verified data to all bureaus, the record must be reinvestigated. 

Please conduct a reinvestigation and delete or correct this account if it can not be fully verified within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is not my account, and it appears as an error on my 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 2025-10-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX, XXXX XXXX, XXXX XXXX XXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Entrata Inc.
State: TX

Complaint narrative:
I processed payment agreement and payed to the apartment company already they stated they change mangement and put a false report that I owe on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
If you do not want to end up in court, my best advice would be to carefully re read the information contained on the dispute letter considering this is my third time having to submit a dispute for the same item. I am absolutely disgusted at your company protocol to take care of an investigation using a computer such as the e-oscar system. your company is in violation and it's time to make things right!

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
If you do not want to end up in court, my best advice would be to carefully re read the information contained on the dispute letter considering this is my third time having to submit a dispute for the same item. I am absolutely disgusted at your company protocol to take care of an investigation using a computer such as the e-oscar system. your company is in violation and it's time to make things right!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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:
XXXX  I am disputing several inaccurate items appearing on my credit report. First, the listed addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are incorrect and should not be associated with my credit file. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to maintain only accurate and verifiable personal identifying information. 
Additionally, the new collection account from XXXX ( Original Creditor : XXXX XXXX XXXX  ) with a reported balance of {$97.00} appears to be inaccurate and unverified, and I have not received proper validation of this debt as required under FCRA 623 ( a ) ( 1 ) ( A ). Likewise, the charge-off from XXXX XXXX XXXXXXXX is being reported with incomplete or misleading information, which violates the accuracy and completeness requirements outlined in FCRA 607 ( b ) and 611 ( a ). 
Lastly, the inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear without my authorization. Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only furnish reports for permissible purposes. If these inquiries were made without my consent, they must be removed 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 2025-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I was charged over 100 % interest and multiple fees that was never mentioned. I received approx 10 different payday loans from different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

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 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/year> Midland credit management inc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ca XXXX Re : Request for Debt Validation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern, I am writing in response to a [ call/letter/email ] I received on [ XX/XX/year> ], regarding a debt you claim I owe. I am requesting that you provide validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed explanation of the charges ; 4. Proof that you are legally authorized to collect this debt ; 5. A copy of any judgment ( if applicable ) ; 6. Documentation that verifies I am legally obligated to pay this debt.

Please note that until you provide this information, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies.

If you can not provide this information, I request that you immediately stop all collection efforts and inform any credit reporting agencies to which you have reported this debt that it is disputed and unverified. 

This letter is not an acknowledgment or acceptance of any debt. Please treat this letter as a formal dispute of the alleged debt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
When Capital One closed my credit card account, they never provided me with a new repayment schedule or due dates. For the first month, I was completely unable to log in to my account to see any payment information. 

I called after receiving a late payment alert and was told the delinquency was due to an overdraft. However, the representative could not tell me what my new monthly payment amount was or when it was due. When I eventually regained access to the app, it showed no amount due, which caused further confusion. 

Despite being unable to use the card or clearly see my payment obligations, Capital One continued to charge interest and reported late payments to the credit bureaus. This situation was out of my control, and I made multiple attempts to resolve it with their customer service without receiving clear or timely answers.

This inaccurate reporting and lack of communication have negatively impacted my credit score, and I believe it is unfair to penalize me when I was not provided with the proper repayment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency Experian XXXX XXXX The failure to correct or remove this information after my attempts to resolve it is in violation of your obligation under the fair credit reporting act FCRA, as recently highlighted in the comments financial protection bureau 's lawsuit against case No.8:25-cv-24 according to 15 USC 1681c-2 you have broken the law by reporting this information on my report knowing it's inaccurate.remove this fraudulent information 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