vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I currently have a defaulted credit amount that has been defaulted on my home/mortgage as of what looks like XX/XX/year>. I am unsure who this is company by the name of Midland Credit Management is and if ever was used, I was never made aware or properly served. I do not know how they got access to my private information without my consent.

I called Midland Credit Management around XX/XX/year> to ask them to ID themselves, I asked how they got my private information such as ( my address, my full name, and number ), I also asked them to identify a case number, and for the information to the supposed law firm they used to default on my home with false and likely expired information. They identified nothing and kept attempting to get me to say my social security number on the phone. I asked to speak to XXXX managers and both managers proceeded to hang up on me when I refused to give access to anymore private information such as my social security number. 

I have let the city of XXXX know I have put in a request with Midland Credit to remove this fake account off my record and I have reported them for Identity Theft and Fraud. I have followed the steps given by the IRS on the Identity Theft website and have set up alerts on my credit. I have received no further correspondence from Midland Credit since attempting to get them to identify the above information and now I am receiving more fraudulent calls than ever since that date. Please remove this false debt off of my account or help me start the process for this as I have been a victim of fraud. They are attempting to use money from my home, again with fraudulent claims and lied to the the court about the falsified accounts. The City asked that I report to overseeing agencies as they only approved it as an administrative task and can not reverse it until Midland is properly reported.

I have given Midland almost XXXX days to correspond. Please remove this fraudulent actor from my private accounts and off my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NC

Complaint narrative:
U.S. Bank officially declared my business account dormant in XX/XX/XXXX with {$0.00} balance. They reactivated it in XX/XX/XXXX, confirming 26 months of dormancy. Despite their own policy stating dormant accounts should pay maximum $ XXXX, they charged me $ XXXX during this period. I'm owed {$2700.00} in wrongful charges. Bank also processed unauthorized XXXX deposits during business inactivity and refuses to investigate. Have documentation proving dormancy status and unauthorized activity.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing to formally dispute the collection account that Jefferson Capital is reporting to the credit bureaus regarding an alleged debt from Jefferson Capital XXXX XXXX ) - {$280.00}. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with Jefferson Capital ( XXXX ) - {$280.00}, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under XXXX U.S.C. XXXX, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX and XXXX  ) as it is unverified and disputed. Please respond to this dispute in writing within XXXX  days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-02 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: HI

Complaint narrative:
Nature of Dispute : This is a demand for arbitration under the arbitration provision contained in my customer agreement with XXXX XXXX XXXX and under applicable federal and state laws. 

I allege that XXXX XXXX XXXX  has reported inaccurate negative information and/or late payments on my credit report without proper investigation or correction, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and possibly other consumer protection laws.

Despite my disputes and requests for correction, XXXX XXXX XXXX continues to report these inaccurate items, damaging my creditworthiness and causing me significant harm, including denial of credit, emotional distress, and financial losses. 

Relief Sought : I am seeking the following relief : Immediate removal of all inaccurate negative items from my credit report related to XXXX XXXX XXXX 

Monetary damages in the amount of {$1000.00} for each negat

ive item or late payment reported inaccurately or unlawfully, as allowed under 15 U.S.C. 1681n for willful noncompliance. All filing fees and arbitration costs paid by XXXX XXXX XXXX.

Attorneys fees and costs, as allowed by law. 

Any additional relief deemed just and proper by the arbitrator. 







( Add more rows as needed. ) Basis for Arbitration : FCRA, 15 U.S.C. 1681n and 1681o Breach of contract ( if your XXXX XXXX XXXX  account agreement promises accurate reporting ) Any applicable state consumer protection statutes Signature : [ Your Printed Name ] Next Steps : Check Your XXXX XXXX XXXX Agreement : Does it have a mandatory arbitration clause? Many banks include one. 

If yes, it likely governs where and how you can file ( XXXX, XXXX XXXX XXXX. 

Calculate Filing Fees : Under XXXX  Consumer Rules, you often pay a small filing fee ( $ 500- {$1000.00} ), and the bank pays the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NJ

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX, and I have been advancing my education with student loans since XXXX. Recently I consolidated all of my students through NELNET. I have nothing but respect for this company. However, I was always in deferment with my student loans even after I retired from the United States XXXX. NELNET posted all XXXX ( XXXX ) of my accounts as a XXXX late in XXXX of XXXX, a 120 day late XXXX both XXXX and XX/XX/XXXX, even though I was never out of deferment. NELNET by doing this has destroyed my credit. I was never out of deferment, period. Accordingly, I believe each tradeline should be deleted on all pertinent credit bureaus based on the following criteria : THIS ACCOUNT SHOULD BE DELETED BASED ON THE FOLLOWING CRITERIA : This accounts have been merged into a consolidated loan. Therefore, the loans are basically posted twice, which is a violation of Fair Credit Reporting Act guidelines. 

The accounts were never late even though it was always in deferment status. 

The accounts are duplicity with the same information, therefore they no longer qualifies as a legitimate tradeline. 

THESE TRADELINES MUST BE DELETED PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX attempted to make a XXXX payment but they said on the XXXX I had insufficient funds which was not the truth so I turned around and paid them XXXX verses the XXXX. I chatted with the copy and they indicated that the XXXX was reversed but the money was never returned to my acct. I've continuously asked for documentation showing when the money was reversed but to no avail. Now they say I owe XXXX but I am only 30 days past due. Something does not sound right or make any sense where my payments are only XXXX. Granted I am a month behind but they are not trying to work with me because they don't offer refinancing to get a lower and more affordable payment or offer any assistance such as deferring or forbearance. I'm a single mom with XXXX child and XXXX XXXX XXXX XXXX  and maintaining my vehicle is very important for all medical appointment for myself and child who just recently had XXXXXXXX XXXX XXXX XXXX, and to get back n forth to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We made a deposit on XX/XX/XXXX. We received a printed receipt detailing when the funds would be released. {$270.00} the next day, {$6500.00} on Monday XX/XX/XXXX and the balance, nearly {$25000.00} on XX/XX/XXXX. 
We made payment arrangements based on this guarantee from Wells Fargo. On Monday, XX/XX/XXXX, my wife called to confirm and she was advised corporate rescinded this deposit date and Funds would not be available until XX/XX/XXXX. She talked to somebody to somebody XXXX evening in their XXXX Department that said they were going to release the funds overnight. It still has not happened and each person she talks to gives her the run around prolonging the situation adding to overdraft fees and failed promises we made to debtors.

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 2025-07-02 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: NC

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 non-monetary relief
Consumer complaint received 2025-07-02 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:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NV

Complaint narrative:
I have no clue where I have 15 inquiries on my credit report and I havent been searching for anything on my card

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 2025-07-02 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: NV

Complaint narrative:
I have no clue where I have 15 inquiries on my credit report and I havent been searching for anything on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
My accounts were sold to a third-party credit debt collecting companies and I keep getting harassed with emails and phone calls urging me to settle with them and I never signed any paperwork with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
My accounts were sold to a third-party credit debt collecting companies and I keep getting harassed with emails and phone calls urging me to settle with them and I never signed any paperwork with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After I disputed charges on my Wells Fargo account and escalated the matter to their Executive Office, I mentioned that I was considering legal counsel due to the mishandling of my claim. 

Shortly after this, Wells Fargo notified me that they would be closing my checking account for security purposes. However, no actual security threat or fraudulent activity was ever identified or explained to me. I believe the real reason for the account closure was my mention of seeking legal counsel and my insistence on receiving documentation related to my dispute which was repeatedly denied. 

I believe this account closure is retaliatory, done in bad faith, and intended to pressure me into dropping the dispute. This is especially troubling given that the account is still tied to an unresolved fraud claim and an active complaint with the CFPB. 

I am asking the CFPB to : Investigate the true reason for the account closure Require Wells Fargo to provide documentation showing legitimate cause Prevent the closure of my account until the dispute is resolved in full

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 2025-07-02 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: NY

Complaint narrative:
XXXX XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that results from identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information includes a personal credit card account opened at XXXX XXXX XXXX with Account Number XXXX, started in XX/XX/XXXX ; XXXX XXXX with Account Number XXXX, started in XX/XX/XXXX ; XXXX XXXX XXXX with Account Number XXXX, started in XX/XX/XXXX ; and XXXX XXXX with Account Number XXXX, started in XX/XX/XXXX. This has caused several fraudulent hard inquiries and collections to appear on my FICO credit report. I've attached a list of the disputed hard inquiries and a copy of your maintained consumer FICO report showing these fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and inquiries on my report were not opened, made, or initiated by me. All are the result of identity theft and fraud. Ive attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission as evidence that these accounts, collections, and inquiries are due to identity theft.

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