vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a formal complaint against the following debt collectors for their failure to validate alleged debts and for continuing to report inaccurate and unverified information to the credit bureaus : XXXX XXXX Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these companies has placed derogatory accounts on my credit report. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and sent written disputes and demands for validation via certified mail. My letters specifically requested the following : Proof of the original signed agreement or contract bearing my signature A full and itemized accounting of the alleged debt A complete chain of assignment showing ownership and legal right to collect Proof of licensing to collect in my state ( if applicable ) Details on how the debt was verified when reported to the credit bureaus None of the above parties responded with sufficient documentation to validate the debt. In most cases, they either failed to respond or only sent generic billing statements, which do not meet the standard of validation required under the law. 

Despite the lack of verification, they have continued to report these debts to the credit bureaus ( XXXX, XXXX, and XXXX  ), which constitutes willful non-compliance with the FCRA. 

Additionally, the credit bureaus have failed to correct these inaccuracies even after being notified and receiving the same documentation proving the accounts are invalid. 

Requested Resolution : I request that these accounts be immediately deleted from my credit reports. 

I ask that the CFPB investigate these companies for their failure to comply with FDCPA and FCRA. 

I request the imposition of appropriate penalties for unlawful reporting and collection practices. 

I demand a full written response with supporting documentation or proof that these companies have ceased all collection activity and removed the derogatory reporting. 

All supporting documentation, including copies of my certified letters and affidavits of non-response, are available upon request and are being submitted with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
This letter is a continuation of my previously submitted complaint # XXXX regarding my credit card account. I am providing additional details and clarification regarding the misapplication of my payments and related practices. 

I am enrolled for minimum payments on my credit card. Beginning on XX/XX/year>, I started making extra payments of approximately {$20.00} per week through my personal financial institution, separate from my credit card autopay. When I enrolled in minimum payment autopay, this agreement was made and set up directly with the company, with the understanding that my minimum payments would be based on my principal balance not on a reduced amount calculated after my extra payments were applied to the minimum due. 

However, the company has been applying my extra payments to satisfy the minimum due and then charging me a lesser minimum payment, causing higher interest charges and prolonged balances, despite my extra payments being intentionally directed toward the principal. 

I requested information showing how much lower my balance would be if my extra payments had been applied directly to the principal instead of toward the minimum, but this information has not yet been provided, and I am still waiting for a response. After further conversations, I was informed that there is no way through the online system or automated portal to designate payments toward the principal if they are made after the four-day window following the statement date. The only option is to call and speak with a live operator, and the company charges a {$9.00} fee to process payments this way, making it costly and unreasonable to have payments properly applied. 

The company offered a {$50.00} credit as a resolution. I requested information showing my account balance and how my extra payments would have been applied before accepting or refusing this offer, but this information has not yet been provided, leaving me unable to make an informed decision. 

In my attempts to resolve this directly with the company, I have spent over an hour on the phone and was even hung up on once while being transferred. Despite these efforts, no resolution has been provided. 

These practices appear to constitute misleading disclosures, misapplication of payments, and unfair interest charges. I am requesting that the CFPB review these practices as part of my ongoing complaint # XXXX and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - I am formally disputing the late payment history you have reported on the above-referenced account. My records clearly show that my payments were made on time, making your reportingfalse, damaging, and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am having ongoing issues with my student loan servicer, MOHELA. I continue to receive conflicting correspondence from MOHELA some notices state that I am behind on payments, while others state that my account is in medical forbearance. I never requested medical forbearance, yet MOHELA has placed my loans in that status without my authorization. 
I have contacted MOHELA customer service numerous times and have spent hours on the phone, but the representatives have been consistently unhelpful, rude, and unwilling to escalate my concerns. I have specifically asked to speak with a supervisor, but I have been denied that request each time. 
I have submitted a request for an Income-Based Repayment ( IBR ) plan, but MOHELA has failed to process it correctly and continues to keep my account in forbearance against my wishes. 
What I have done so far : Repeatedly called customer service to resolve the issue. 
Requested escalation and supervisor support, which was denied. 
Submitted XXXX request but MOHELA has not honored or processed it. 
Requested resolution : Immediately remove the unauthorized medical forbearance from my account. 
Accurately process my Income-Based Repayment ( IBR ) request. 
Correct any account records showing that I am behind on payments. 
Provide clear and accurate written confirmation of my loan status. 
Ensure that customer service staff are trained to escalate issues appropriately. 
I am filing this complaint because MOHELA has failed to service my loans properly, has placed my account in statuses I did not request, and has denied me fair customer service escalation. These actions are causing stress, confusion, and potential financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-09 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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 2025-09-09 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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 explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Some XXXX use my information and applied for auto loan and numerous credit card I think it was a family member just not sure I was in aware because I didnt know about credit can u please help me get my life back

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 2025-09-09 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: PA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, I called the XXXX XXXX company to explain why my next balance due is XXXX? My monthly payment is XXXX with a plan promise of XXXX which makes a total monthly payment of XXXX from XXXX to XX/XX/XXXX, on XX/XX/XXXX I made XXXX payments from different accounts XXXX + XXXX = XXXX, I have asked them to explain to me on several occasions why the payments do not make sense and to explain to me and they only tell me that they can only charge and send you the payment history, that if I am interested in paying now they can charge me and when I ask them to explain they keep repeating the same thing or hang up on me, Or they tell me that I have the option to refinance with my dealer. 
The total initial debt is XXXX. I started paying for the car on XX/XX/XXXX. The majority of the monthly payment is only interest and nothing towards the principal, with an interest rate of XXXX %. Each month I pay the total amount is only interest. The current debt after paying for XXXX  months is XXXX of principal + XXXX of interest to pay it off completely. That is, I have been paying XXXX  months of interest with the exception of XX/XX/XXXX, which I paid double due to being late. I paid XXXX and they charged me XXXX of principal. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those were the only months they added a balance to the principal debt, and now I only pay the interest on the car. They don't want to explain to me how they deduct that based on the current interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-09 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation