vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items listed on my TransUnion credit report. I believe the following charged-off accounts contain inaccuracies and should be re-examined. Below is the detailed list of the disputed 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 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 Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXXXXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} 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 Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$78.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}

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 2025-11-03 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: CA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request an investigation of certain items on my credit report, as I believe they are inaccurate or incomplete. I have outlined the specific items that I am disputing and request that the credit bureaus take immediate action to investigate and rectify any discrepancies as required by the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I respectfully request that it be removed from my credit report. 
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request an investigation of certain items on my credit report, as I believe they are inaccurate or incomplete. I have outlined the specific items that I am disputing and request that the credit bureaus take immediate action to investigate and rectify any discrepancies as required by the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I respectfully request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management , Inc. ( MCM ) for unlawful and harassing debt collection attempts regarding my deceased husband, XXXX XXXX. 

My husband passed away on XX/XX/XXXX, and since that time, I have continued to receive collection letters and communications from Midland Credit Management regarding an alleged debt in his name. These communications have been directed to my address, despite clear evidence that he is deceased and that I am not legally responsible for his individual debts. 

Details of the Issue : Name of Deceased : XXXX XXXX Date of XXXX  : XX/XX/XXXX Collection Agency : Midland Credit Management , Inc. 

Type of Communication : Letters Dates of Communications : Letter received XX/XX/XXXX, Letter received XX/XX/XXXX, Letter received XX/XX/XXXX Account or Reference Number ( if known ) : XXXX, XXXX, XXXX Despite my notice that my husband is deceased and that I do not owe this debt, Midland Credit XXXX continues to contact me, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Applicable Laws and Violations : FDCPA 1692c ( a ) ( 1 ) & ( 3 ) prohibits debt collectors from contacting third parties ( including surviving spouses ) without consent or legal obligation. 

FDCPA 1692d prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

FDCPA 1692e prohibits false, deceptive, or misleading representations in connection with debt collection.

FDCPA 1692f prohibits the use of unfair or unconscionable means to collect or attempt to collect a debt. 

As a surviving spouse, I am not personally liable for my husbands separate debts unless I was a joint account holder or co-signer which I was not. Continuing to pursue me for this debt is both legally improper and emotionally distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hi, On XX/XX/year> I mailed documents to Midland Credit Management and did not receive a response. This is my final attempt to resolve this issue before pursuing litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
the bank is committing to a " Fee-Free '' product in writing, but then charging a fee and that the entire situation is compounded by a lack of clarity on the account 's closed/reactivated status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am a victim of identity theft. My credit report contains hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized inquiries remain on my credit reports : XXXX XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-11-03 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:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( 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 2025-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 30 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.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank : XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States In late XX/XX/XXXX, I deposited a check through a Citibank ATM. Because Accounting forgot to write my name on the front of the check, the deposit was rejected, and the check was returned to me ( I have proof of this ). 

On XX/XX/XXXX, I re-deposited the same check at a Citibank branch with the assistance of a teller. Shortly after that, I received a letter stating that my account would be closed. On XX/XX/XXXX, Citibank officially closed my account. 

After the closure, I waited for the remaining balance to be refunded. I received a final statement showing my total balance was XXXX XXXX XXXX XXXX XXXX Later, Citibank only mailed me a check for XXXX XXXX XXXX XXXX XXXX I contacted Citibank in early XXXX to ask about the missing XXXX XXXX XXXX XXXX XXXX  and I was told the bank suspected that the deposited check was fraudulent. 

On XXXX XXXX, I immediately contacted my employer, who confirmed that the check was legitimate. After Citibank verified that the check was indeed genuine, they told me that they had already notified their internal department to issue a refund check to me. However, it has now been over a month, and I still have not received the remaining balance. Every time I call, I am told to wait another XXXX hours and check back, but no action has been taken. 

Citibank has confirmed that the check is real but continues to withhold my funds without any explanation. I am requesting immediate return of my remaining balance of XXXX XXXX XXXX XXXX XXXX  and an investigation into the banks improper handling of my account and funds.

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 monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I am filing a complaint against Phillips & Cohen Associates regarding a collection notice they sent on behalf of XXXX XXXX. I requested validation of the alleged debt and asked them to stop contacting me. Despite my request, they continued to send letters and texts. They have not provided any proof or signed agreement showing that this debt belongs to me, which is required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

I am requesting that this account be removed and deleted from all credit reporting agencies and that Phillips & Cohen cease all communication until proper validation is provided.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) requires debt collectors to provide verification of the debt when requested.

FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) requires collectors to stop contacting consumers after written notice to cease communication.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) prohibits reporting inaccurate or unverified information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I, XXXX XXXX, did not have a bank account to receive my IRS check so I used my dads Chase account to receive my check in. I did not think it would be a problem. Chase then closed my dads account thinking it was fraud and has not released this check since XXXX of 2023. We have called Chase bank to identify my husband, my dad, and myself. We have showed up with all identifications they have asked for and will not release funds or give us an exact reason why they cant release it to us. We have spoke to IRS as well and they have told us more than once that the bank Chase has to release the funds to us or back to the IRS. Chase bank will not participate in helping us with any further information. They even refused to send us anything in writing regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
The debt in dispute was supposedly sold 3 times since around XXXX, according to documents they sent 3 collection agencies have attempted to collect {$3900.00} from so called debt. The only debt that I can collaborate in question was made in XXXX with XXXX XXXX  whom sold it to XXXX XXXX  and that is all I can recall of this debt. My credit report shows a date of XXXX in which the debt became delinquent with XXXX XXXX which would be the original creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX Mandarich Law Group They Have been completely deceptive in their attempts to Re-age the original debt past the expiration date. I have sent certified mail asking for the original loan and paperwork and have not received anything. I have disputed this debt with XXXX  and XXXX  trying to get it removed from my credit report. Now they are threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I have no affiliation with these accounts, which I believe were fraudulently created. Please delete them promptly and investigate. Proof is enclosed.

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 2025-11-03 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: WA

Complaint narrative:
I am disputing the following charged-off account, inquiries, and late payments on my TransUnion credit report : Charged Off Accounts : XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} Inquiries : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation