vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management has sent me communications that do not have the correct or appropriate information attached to even dispute the items they are attempting to collect via a method of communication I have never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
On or around XX/XX/year>, Crypto.com issued provisional credit to my prepaid account for unauthorized transactions. The credited amount was acknowledged by Crypto.com as fully belonging to me. Shortly afterward, I was informed that my prepaid card account would be closed. Despite repeated requests, Crypto.com has not yet transferred or disbursed the balance to my active cash wallet. 

Crypto.com support has confirmed in writing that I have full rights to the funds, the funds are not being taken away, the card is closed, and the balance is intended to be processed into my cash account. However, they have repeatedly refused to provide a defined timeline for the transfer and have given only vague updates such as necessary action is being taken or we are monitoring your concern. 

I am requesting immediate transfer of the funds to my cash wallet, written confirmation of the internal escalation or case ID, and identification of the team responsible for completing the transfer. The total amount of the provisional credit is approximately the full balance restored from the unauthorized transactions ( exact amount previously credited ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am submitting this complaint to dispute the accuracy and reporting of the following charged-off accounts appearing on my Experian credit report : XXXX Account # XXXX ( Reported XX/XX/XXXX ) XXXX XXXX  XXXX Account XXXX XXXX ( Reported XX/XX/XXXX ) I do not agree with the reporting status, balance, and/or charge-off designation for these accounts. These accounts are being reported in a manner that is inaccurate, incomplete, or can not be verified. I am requesting that Experian conduct a full and reasonable investigation and require the furnishers to provide proper documentation proving accuracy, including the original agreement, payment history, and proof of charge-off. If such documentation can not be produced, these accounts should be corrected or removed. 

Inquiries I am also disputing the following inquiries on my Experian credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries or providing permissible purpose. These inquiries may have been made without my consent. I am requesting verification of authorization. If permissible purpose can not be proven, these inquiries must be removed.

Late Payments Additionally, I am disputing late payment reporting for : XXXX  Account # XXXX XXXX XXXX Account # XXXX The late payment history being reported does not accurately reflect my payment behavior. I am requesting validation of the reported late payments, including account statements and payment records. If the information can not be fully substantiated, it must be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MA

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report : CHARGED OFF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$4400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$6600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} INQUIRIES : XXXX XX/XX/XXXX LATE PAYMENTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding incorrect personal information reported on my credit file. Specifically, there are incorrect addresses listed on my file. I live in XXXX XXXX XXXX, XXXX, PA XXXX and these incorrect addresses ( XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX, PA XXXX ) are affecting my credit report, and I am requesting that they be immediately deleted. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information reported. I ask that my credit file be updated to reflect my correct and current address, and that all incorrect addresses be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off account is listed on my TransUnion credit report, and I dispute its accuracy : XXXX  Account number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} I request that this account be verified or deleted from my credit report if it can not be substantiated. 

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under TransUnion.

Late Payment Reporting The following account is reporting a late payment that I dispute : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX my daughter ordered fast food from XXXX at XXXX XXXX XXXX. XXXX, FL. XXXX online/door dash for {$9.00} and her pickup time was between XXXX XXXX 
XXXX there was a fraudulent mobile deposit of {$2500.00} that I nor my daughter never deposited in our account. 
XXXX there was an fraudulent ATM withdrawal of {$400.00} with a {$3.00} ATM fee, at XXXX XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX there was a fraudulent grocery shopping spree of {$2000.00} at XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. 
XXXX I spoke with my bank, USAA to let them know that nor I or my daughter made that fraudulent mobile deposit, my daughter or I have never worked for that company. The check doesn't have an address on it, the company name is spelled wrong, my daughters name isn't spelled right and that's not her signature. My daughter is in XXXX  at XXXX XXXX University XXXX XXXX XXXX. XXXX, FL. XXXX. She was on campus when all this occurred. Dispute ID- XXXX {$400.00} Dispute ID- XXXX {$2000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was reviewing my credit report and noticed an account that is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: AL

Complaint narrative:
I am requesting that you conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If the information can not be verified with competent evidence, it must be deleted or corrected immediately.

Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report. If you verify this information, please include the method of verification, including the name, address, and telephone number of the party who verified the information.

Enclosed are copies of documents supporting my position. Please note that this letter is not an admission of liability for any alleged debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains inaccurate information, including a bankruptcy and tradelines that were discharged in bankruptcy. The credit bureau has falsely indicated that a U.S. Bankruptcy Court reported this information, which is incorrect courts do not furnish consumer data to credit bureaus. Despite formal disputes, the bureau failed to correct this information. These errors are harming my credit, and I request full deletion of these items and proof of how the information was obtained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: MA

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 non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: NC

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Did not know about this debt don't recognize the collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have just found out from my work place that there were at least 15 voicemails from ally using my name. Also, when the manager answered a call from them they asked if I was there and mentioned they were collecting a debt beforehand. Even after he said that this is a work number, the person still asked if I was there. They call me constantly throughout the day, like 8 times a day and now apparently my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
Everyday Monday through Friday from time they open to time they close since XX/XX/XXXXNovember 1st they have called and texted me 3 to 5 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX. I attempted to withdraw {$300.00} dollars from an santander atm at a cvs at XXXX XXXX XXXX XXXX, XXXX. The machine had some sort of glitch and it said loading. The machine never spit out the money. I immediately called the atm number on the machine and it told me to call my bank. I called the bank and was told I would receive a provisional credit within ten days while they investigated. I called back 12 days later because I never received the credit. They stated that it will be there in the next couple of days. I never recieved it. I called back again. They stated I should have gotten a provisional credit and told me to hold on while they escalate it. They come back and stated that they have 45 days to investigate and Ill get a letter in the mail with the decision and I wont receive the provisional credit. So two different people told me I would get the credit then a third person told me but then chanced his mind. Today XX/XX/XXXX I went to a branch to discuss this matter, the representative called the investigation team and stated that they still dont have an answer. The representative said he would look into it further and try to get an answer. I asked what do I do if I want to change banks, he told me what to do and stated I dont blame you if you do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I am disputing this debt because I do not owe it. The debt collector states I owe them the alleged debt. I have no agreement with Central Portfolio Control. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVIDE ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : XXXX. An explanation of what this alleged account balance is for. XXXX. A calculation of this balance, including the complete payment history on the account, so I have proof that the amount belongs to me. XXXX. Documentation shows I agreed to pay this debt. XXXX. The Agreement that grants you authority to collect on this alleged debt. XXXX. A copy of your state license, including license number, as well as whether you have a license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate personal information currently reported in my credit file. This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides consumers the right to dispute any inaccurate, incomplete, or unverifiable information on their credit reports. The information in question includes the following inaccuracies : my address is reported as XXXX XXXX XXXX, XXXX, NJ XXXX, which is incorrect and should be deleted. Additionally, my employer is inaccurately listed as " XXXX XXXX XXXX XXXX and " XXXX XXXX, '' which should also be deleted. My correct personal information is as follows : Full Name : XXXXXXXX XXXX XXXXXXXX XXXX, Address : XXXX XXXX XXXX, XXXX NJ XXXX, Employer : XXXX, XXXX : XX/XX/year>, and ITIN : XXXX. Under FCRA 15 U.S.C. 1681e ( b ), I am requesting that these inaccuracies be corrected or removed to ensure my credit report reflects maximum possible accuracy. 

I have already filed an FTC complaint regarding these inaccuracies, but I have not seen any changes. I am now asking the CFPB to take action and resolve this matter. I have enclosed supporting documentation, including my credit report, drivers license, XXXX, and a utility bill to verify my identity and correct address. Please take prompt action to resolve this matter and provide me with confirmation once the necessary updates have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts and inquiries on my TransUnion report. These items are not accurately reported, and I request an investigation and correction of these errors. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this dispute with Equifax to request an investigation into certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax conduct a review of the following disputed accounts and inquiries and make corrections or deletions as necessary. 

Charged-Off Accounts The following charged-off accounts are being reported on my Equifax credit report, and I dispute their accuracy : XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under Equifax. 

Late Payment Reporting The following account is reporting a late payment that I dispute : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation