vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/year> XXXX XXXX, XXXX XXXX RE : Cease and Desist request Under the FDCPA ( Account XXXX ) Dear XXXX Funding Representative, I am writing to formally request that you cease and desist all contact with me regarding the alleged debt referenced in your communications to me. This request is made under my rights as granted by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ( c ) ).

I do not wish to be contacted further by your agency or any affiliated parties regarding this matter through phone, mail, email, or any form of communication. If you believe this debt is valid and you intend to pursue legal action, you may do so, but you are no longer authorized to contact me directly.

Please note that any further contact from your agency after receipt of this letter- except as permitted by law- will be considered a violation of federal law and may be reported to the Federal Trade Commission and Consumer Financial Protection Bureau .

Keep this on file to avoid unnecessary escalation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My son has a student loan with XXXX XXXX XXXX, as a student loan. Several months ago, the account went into forebearance. My son attempted several times to make payments on the student loans, but the automated system for XXXX XXXX would not allow it because the student loan was in " forebearance. '' However, since the loan did not receive a payment for several months, due to XXXX XXXX 's website not allowing payments because of the forebearance situation, XXXX XXXX reported to MY credit agency that I was in arrears. Not my son, who is the primary person who is repaying the loan. Not his mother, XXXX XXXX, who has her name as a co-signee on the loans as well. Only my information was reported to the credit bureaus as being in arrears. This affected by credit rating from XXXX to a XXXX, which affected my ability to purchase a new vehicle. 

I have attempted to work with XXXX XXXX to fix this situation, however, they will do nothing. I have made reports with Experian, the main credit bureau in which my score is so low, and they will do nothing. Experian will only review the complaint and say the credit report is valid.

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 2025-06-27 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:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello, With a heavy heart, Im reaching out because I dont know what else to do. 

I was the victim of a scam on XX/XX/XXXX and lost everything I had saved. After reporting it to Wells Fargo, they closed my account and instructed me to open a new one, which I did, hoping it would help. I moved my remaining funds money my parents sent from back home to help with rent and food into the new account. But shortly after, that account was also frozen without warning. 

They told me the account would be closed on XX/XX/XXXX, and I would receive a check for the remaining balance of {$3300.00} within 15 business days. It has now been over a month, I still havent received anything and the account is not even closed. Ive called multiple times = XX/XX/year>, XXXX, XXXX, and XXXX and each time Ive been told, XXXX XXXX hours. Nothing ever happens. Ive even gone into the branch several times, but no one could help me there either. 

Im doing everything I can to survive. I even tried to trace the money my parents sent me from their bank, but Wells Fargo responded saying they couldn't reach me. Thats simply not true, I have called them every single week, begging for updates. I never received a call, or any proper updates from them. 

I am an international student, I legally can not work, and I am now at risk of losing my apartment and my transportation. Ive had to borrow money to eat. The funds Wells Fargo is holding are all I have left and if I dont receive them soon, I dont know how Ill manage. 

Please, I am asking for your help. Ive been patient and cooperative, but I am now desperate. I just want access to my own money so I can survive.

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 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Dell pay has refused to provide account number for me to set up online account to make payments. I will not give payment information over the phone for this reason payments were report late and significantly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am disputing a charged-off account listed by XXXX XXXX that is damaging my credit. I never received, activated, or used the XXXX credit card, yet the account shows a charge-off balance of {$510.00}, with a status of In Collections/Charge-off and 120+ days past due. 

According to my credit report, the account was closed on XX/XX/XXXX, and shows continuous derogatory marks throughout XXXX XXXX and XXXX. I never authorized any purchases or usage of this card and was unaware that this account had been opened or charged until I reviewed my credit report. 

I submitted a dispute through the credit bureaus, and the account was marked as Account information disputed by consumer, but the negative reporting has not been removed. I have no documentation showing that I ever received or used this account, and I believe this is either a processing error or possible fraud. 

I am requesting that the company provide full validation of the debt, including application records and usage history. If they can not prove that I received and used the account, I am requesting this charge-off be removed 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
b"also my phone number has changed XXXX XXXX XXXX   and it will not let me updateFirst of all every time I login to check a response from the company it doesn't show up. I have looked numerous times. Could you please fix this issue on my account second I'm going to attach all the deposits and credits for the past two weeks beginning with the backpay from the Social Security office till now there are funds missing from my account. I know this because I added all the debits up then l added all the credits up then I subtracted also this evening when I went to XXXX XXXX XXXX  and returned a pair of pants and bought another one. There should've been a XXXX credit. There was a XXXX dollar credit. I know this because I called the bank and asked them. Why is the bank stealing my money and where are they sending it to because it's not showing up on my application."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Big XXXX XXXX, XXXX XXXX, XXXX, MI XXXX To Whom It May Concern : This letter is your formal demand to immediately cease and desist from reporting or communicating any information regarding the charge-off account ( XXXX ) listed under my name, and to permanently delete and close any derogatory tradelines associated with these accounts from all consumer reporting agencies. 



These entries are inaccurate, unverifiable, and damaging to my credit profile. Their continued reporting constitutes a willful violation of my consumer rights under federal law, including : - 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information - 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy - 15 U.S.C. 1681i ( a ) Failure to reinvestigate after notice of dispute If this matter is not resolved within XXXX ( XXXX ) business days, I will immediately initiate litigation or arbitration proceedings under the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws. 



This is your final notice. You are further instructed to cease all communication with me regarding these accounts, effective immediately, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 



Failure to comply will result in formal legal action seeking all available remedies, including statutory damages, attorneys fees, and injunctive relief. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am filing this formal complaint against EXPERIAN for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i ( a ), 1681s-2 ( b ), and 1681e ( b ). Despite my attempts to dispute and correct inaccurate information, EXPERIAN continues to report erroneous, misleading, and unverifiable data on several tradelines that have severely harmed my creditworthiness. These failures constitute both negligent and willful noncompliance under the FCRA. 

To begin with, EXPERIAN is inaccurately reporting a XXXX late payment for XX/XX/XXXX on my XXXX XXXX XXXX XXXX credit card account ( Account No. XXXX ), which was opened in XX/XX/XXXX and carries a balance of {$7100.00}. This late mark is unverified and has not been substantiated with proper documentation, violating 1681i ( a ). Another egregious error exists on my XXXX XXXX XXXX XXXX loan ( Account No. XXXX ), opened in XX/XX/XXXX with a current balance of {$20000.00}. This tradeline reflects multiple delinquencies of up to 60 days late, yet no validation has been provided under 1681s-2 ( b ), and the information remains factually disputed and potentially inaccurate. 

Furthermore, EXPERIAN is improperly reporting several charged-off and derogatory accounts. XXXX XXXX ( Account XXXX. XXXX ), opened in XX/XX/XXXX with a balance of {$1200.00}, is listed as a charge-off, which I dispute due to its unverifiable and premature reporting. In addition, there are XXXX XXXX accounts ( Account XXXX. ending in XXXX, XXXX, and XXXX ) opened between XXXX and XXXX, all being reported with charge-off statuses and multiple delinquencies, including 30 to 120 days late between XX/XX/XXXX and XX/XX/XXXX. EXPERIAN has failed to properly reinvestigate and validate these derogatory marks, as required under 1681i ( a ) ( 6 ) and 1681e ( b ), and continues to publish information that is misleading and materially damaging. 

Also included in the inaccurate reporting is the XXXX XXXX XXXX  XXXX XXXX Account No. XXXX ), a closed credit card with a balance of {$3300.00} being reported as a charge-off, despite the absence of a verified payment history substantiating that status. Similarly, XXXX XXXX  XXXX Account XXXX. XXXX ), opened in XX/XX/XXXX, reflects XXXX, XXXX, and XXXX lates from XXXX to XX/XX/XXXX, which I also contest as being unverifiable and incorrectly furnished. Finally, XXXX XXXX ( Account XXXX. XXXX ), opened in XX/XX/XXXX with a balance of {$140.00}, is being reported as a collection account, with no original documentation or validation provided upon request. This failure violates 1681i ( a ) and 1681s-2 ( b ).

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 2025-06-27 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: CA

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 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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: IL

Complaint narrative:
XX/XX/year> Carvana violated TILA/Regulation Z by Demanding a {$96000.00} down payment under 'Net Trade-In ' ( violating 7 CFR 1436.10 ( c ) ).

Falling to disclose loan securitization ( violating 12 CFR 1026.17 ( c ) ( 1 ) ).

Providing inaccurate Payment Schedule ( finance charge mismatch under 15 U.S.C. 1601 ).

Computer Fraud ( 18 U.S.C. 1030 ) : e-contract system autogenerates false TILA disclosures.

SEC Violation ( 17 CFR 240.10b-5 ) : Concealing the loan 's securitization while charging origination fees = securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, MI XXXX To Whom It May Concern : This letter is your formal demand to immediately cease and desist from reporting or communicating any information regarding the charge-off account ( s ) listed under my name, and to permanently delete and close any derogatory tradelines associated with these accounts from all consumer reporting agencies.

These entries are inaccurate, unverifiable, and damaging to my credit profile. Their continued reporting constitutes a willful violation of my consumer rights under federal law, including : - 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information - 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy - 15 U.S.C. 1681i ( a ) Failure to reinvestigate after notice of dispute If this matter is not resolved within fifteen ( 15 ) business days, I will immediately initiate litigation or arbitration proceedings under the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws.

This is your final notice. You are further instructed to cease all communication with me regarding these accounts, effective immediately, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Failure to comply will result in formal legal action seeking all available remedies, including statutory damages, attorneys fees, and injunctive relief. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-27 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: MD

Complaint narrative:
I am a victim of identity theft and discovered multiple inaccurate and unauthorized accounts reporting on my credit file. I did not open these accounts and did not authorize any transaction associated with them. I have submitted an official FTC identity theft report and am invoking my rights under the fair credit reporting act ( FCRA ), specifically section 605B, which requires the removal of the fraudulent information from credit report when identity theft is documented. 


these accounts have resulted in negative reporting, including late payments and charge-offs, which are causing substantial harm to my credit profile. i am requesting a thorough investigation and the permanent deletion of these accounts from my credit report. supporting documentation, including my FTC report, have been provided

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