vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
XX/XX/2025 Dear Midland Credit Management, This letter is being sent to you in response to a recent change that was made on my credit report. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit bureaus ( Equifax, Experian, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
I am writing to dispute a {$1100.00} collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ). This account opened XX/XX/XXXX is inaccurately reported as past due as of XX/XX/XXXX. I have never received any verification of this debt, and I assert that this entry is incorrect and unverifiable. I previously disputed this item with Experian, yet it remains on all three nationwide credit reports, causing ongoing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand correction. 15 U.S.C. 1681i requires that if disputed information is found to be inaccurate or can no longer be verified, the credit reporting agency shall promptly delete it. Likewise, CFPB guidance notes that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Because this debt has not been verified and is therefore unverifiable, I request that National Credit Adjust immediately instruct Experian, Equifax, TransUnion, and any other consumer reporting agencies to delete this account from my credit file. 

The Fair Debt Collection Practices Act ( FDCPA ) also protects me as a consumer. Under 15 U.S.C. 1692g, once a debt is disputed in writing within 30 days of receipt, the collector must cease collection and provide verification of the debt. CFPB explains that a collector must pause collecting the amount of the debt you are disputing until theyve adequately responded to your request. I formally dispute this debt and demand that National Credit Adjust either verify it with supporting documentation or cease collection immediately. If the debt is valid, I request full documentation including the original signed contract, a complete payment history, and an itemization of all charges. Absent such verification, this account must not remain on 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-06-01 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year>2025, an unauthorized ATM withdrawal was made using my Cash App account at XXXX XXXX, XXXX, IL. I was at work in a different city at the time, and I have biometric fingerprint records to prove it. I submitted a dispute to Cash App the same day, but they denied my case without reviewing any location data or documents. I have attached a full letter with supporting evidence. Please review my complaint and help me recover my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi, When i was a baby my hospital and doctors had entered my ssn in wrong so now when I type in my ssn into anything it can not find me except experian. I have credit history. I have typed in the ssn used at the hospital and that has worked but I never complete it. I would like my ssn to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that the fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2025-06-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - Opened XX/XX/XXXX With a balance of {$260.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$800.00} There are also fraudulent inquiries reporting with : XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-06-01 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 )

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 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I have tried to contact Mohela numerous times and have never made it through to a customer service representative. I applied for IDR in XX/XX/year> and it is still in processing and since then I have accumulated interest. I have loan service through the county school district for being an employee. It is {$120.00} a month and it has never once showed up in the Mohela system and the county has all of my loan servicer information and account info. I do not know where their money is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-06-01 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:
I used a loan to pay off my XXXX XXXX credit card account, which was in internal collections. The loan was supposed to pay the full balance, which was {$740.00}. However, XXXX XXXX is reporting a balance of {$740.00} on my credit report, which is inaccurate. 

I confirmed the correct balance of {$740.00} with two XXXX XXXX representatives on Friday, XX/XX/year>, yet the reported amount is still incorrect. On that same day, a representative also claimed the reported balance was accurate, even though it clearly does not match the actual account balance or payment. 

This discrepancy causes the account to appear as partially unpaid, which could impact my credit standing or cause the account to accrue interest. I am concerned this reflects either poor recordkeeping or potential misrepresentation of the account status. 

I am requesting a full refund of the amount paid, a formal investigation into why XXXX XXXX accepted a loan payment and continues to report an inaccurate balance, and for the account to be marked as paid in full and closed. I also request the inaccurate reporting be corrected or removed from all three credit bureaus. 

This may represent a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). If this is not resolved promptly, I will escalate the matter to the FTC, state attorney general, and explore legal options if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
I used a loan to pay off my XXXX XXXX credit card account, which was in internal collections. The loan was supposed to pay the full balance, which was {$740.00}. However, XXXX XXXX is reporting a balance of {$740.00} on my credit report, which is inaccurate. 

I confirmed the correct balance of {$740.00} with two XXXX XXXX representatives on Friday, XX/XX/year>, yet the reported amount is still incorrect. On that same day, a representative also claimed the reported balance was accurate, even though it clearly does not match the actual account balance or payment. 

This discrepancy causes the account to appear as partially unpaid, which could impact my credit standing or cause the account to accrue interest. I am concerned this reflects either poor recordkeeping or potential misrepresentation of the account status. 

I am requesting a full refund of the amount paid, a formal investigation into why XXXX XXXX accepted a loan payment and continues to report an inaccurate balance, and for the account to be marked as paid in full and closed. I also request the inaccurate reporting be corrected or removed from all three credit bureaus. 

This may represent a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). If this is not resolved promptly, I will escalate the matter to the FTC, state attorney general, and explore legal options if necessary.

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 2025-06-01 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: MI

Complaint narrative:
I used a loan to pay off my XXXX XXXX credit card account, which was in internal collections. The loan was supposed to pay the full balance, which was {$740.00}. However, XXXX XXXX is reporting a balance of {$740.00} on my credit report, which is inaccurate. 

I confirmed the correct balance of {$740.00} with two XXXX XXXX representatives on Friday, XX/XX/year>, yet the reported amount is still incorrect. On that same day, a representative also claimed the reported balance was accurate, even though it clearly does not match the actual account balance or payment. 

This discrepancy causes the account to appear as partially unpaid, which could impact my credit standing or cause the account to accrue interest. I am concerned this reflects either poor recordkeeping or potential misrepresentation of the account status. 

I am requesting a full refund of the amount paid, a formal investigation into why XXXX XXXX accepted a loan payment and continues to report an inaccurate balance, and for the account to be marked as paid in full and closed. I also request the inaccurate reporting be corrected or removed from all three credit bureaus. 

This may represent a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). If this is not resolved promptly, I will escalate the matter to the FTC, state attorney general, and explore legal options if necessary.

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the accuracy of a tradeline reported by XXXX XXXX  ( Account Number : XXXX ), a joint unsecured account with my spouse, XXXX XXXX, opened on XX/XX/XXXX. The account is reported as charged off with a balance of {$34000.00} written off, yet it is simultaneously listed as past due as of XX/XX/XXXX. This dual reporting is misleading and appears inconsistent with the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report information that is accurate and not materially misleading. Additionally, no IRS Form 1099-C has been issued to me, which raises concerns under IRS Regulation 1.6050P regarding the cancellation of debt. I respectfully request that the CFPB investigate this matter, require XXXX XXXX  to validate the accuracy and legal basis of the reporting, and ensure full compliance with FCRA and Metro 2 credit reporting standards. If the account can not be properly validated, it should be corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief