vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am being subjected to continued attempts to collect an inaccurate and unsubstantiated debt by Midland Credit Management and their agent XXXX XXXX. The alleged debt originated as a XXXX Bank XXXX XXXX account ending in XXXX. 

I disputed this debt on XX/XX/XXXX via certified mail, and it was received on XX/XX/XXXX ( USPS confirmed ). Despite my dispute and request for validation, XXXX XXXX has contacted me 8 times after that date, including after a second cease-collection and validation request was sent via certified mail on XX/XX/XXXX. They continued emailing me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without providing the required documentation. 

This is continued collection activity on a disputed debt in violation of FDCPA 809 ( b ), as well as the CFPB Consent Order against Midland/Encore ( 2015-CFPB-0022, 129 ( a ) ).

Midland is also furnishing inaccurate information to the credit bureaus during the dispute process. They reported the account as a collection with a balance of {$4200.00} with consumer disputes notation as of XX/XX/XXXX, despite failing to substantiate the debt, which violates FCRA 623 ( a ) ( 1 ) and Consent Order 134. 

The alleged balance has changed without explanation. Prior to XX/XX/XXXX, Midland reported the balance as {$4200.00}. On XX/XX/XXXX, I received a XXXX XXXX  alert stating : Collection Balance Decrease Between XX/XX/XXXX and XX/XX/XXXX, the balance decreased by {$41.00} from {$4200.00} to {$4100.00}. No accounting or documentation was provided to support this change. 

Additionally, the XXXX Bank statement dated XX/XX/XXXX shows Payments & Credits- {$4200.00} and a resulting balance of {$0.00}. Midland continues to claim I owe thousands of dollars. They also failed to include a {$140.00} payment made to XXXX XXXX on XX/XX/XXXX ( Transaction ID : XXXX ). This proves their accounting is materially inaccurate and violates FDCPA 807 ( 2 ) ( A ) and Consent Order 129 ( d ) and 131 ( b ).

This inaccurate reporting is harming my ability to obtain a mortgage for housing for my newborn child, my wife, and myself.

Requested resolution : I request that Midland and XXXX XXXX cease all collection activity, delete the account from all credit bureaus, and forgive the alleged debt entirely. If full forgiveness is not granted, I request complete removal of the tradeline due to the continued inaccurate furnishing. 

See attached exhibits for full documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NV

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 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: ID

Complaint narrative:
I am a victim of Id theft and several accounts have been placed on my credit file. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I will include in my upload. Experian claims im a third party which is not true I included my ID 's and I had them notarized to further prove that I complaining. This appears to me to be a stall tactic used to avoid doing the investigation which is wholly unfair and illegal.

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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX I opened a credit card for Saks OFF fifth avenue. To this date I have not ever received the actual credit card nor have I ever received a statement until yesterday Wednesday XX/XX/year>. I placed an order and I received everything except XXXX item which was a XXXX pack of underwear. I called them right away to let them know that I did not receive the underwear that I ordered which was a size small and they're XXXX. They did however put in a pack of large XXXX themed underwear which is not at all what I wanted. I called right away and asked if they want, they could send me a shipping label and I would be happy to return the item they mistakenly put in with my order. I was able to pull up the returned item online and it was delivered back to them and accepted on XX/XX/year>. After approximately XXXX week later I called again to find out what was the status on the money that I owed. It was confirmed that yes they did receive the item and it was going to take a few days. I told her that during the last couple weeks I discovered that the credit card is from XXXX XXXX  and I don't like to do business with them so I requested to make a second payment for the month. I already made a payment that month but when I was speaking to the customer service agent we decided to do the math on what I would owe once the credit was applied for my item that I never got. Not only did I not get my item but they're making me pay for them anyway. Everything has been paid except for the cost of those underwear that I did not order. She also told me that there was a charge on there for {$2.00} and she was removing it but I didn't understand what the fee was. I just knew that they actually owe me $ XXXX {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I am writing to formally request the prompt release of refund amounts that were processed to my former Chase account in XX/XX/year>. I closed this account in the third quarter of XXXX, and despite this, a merchant refund was issued to the closed account several months later on XX/XX/year>. 
To date, these funds have not been disbursed to me. I have called multiple times and every time they tell me that this account does not exist even though i still have the physical credit card as well as a few account statements that my local chase branch was able to find and print out for me. They are telling me that there is nothing that they can do for me and now I am now overly frustrated. This delaynow spanning almost a yearhas caused both inconvenience and financial impact. I find the extended waiting period to be unacceptable, particularly when contrasted with the prompt schedule on which Chase assesses charges to its customers expecting them to pay. why is there no record of my account, I have proof that the refund was issued to the account and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am submitting this complaint because TD BANK USA/TARGETCREDIT is reporting an account under my name that I do not recognize. I have no knowledge of this account and did not authorize anyone to use my personal information to open or create it. I have never received any services, funds, or benefits of any kind related to this account, nor have I had any financial or personal connection to it. It appears that this may be a result of identity theft or a reporting error. I request that TD BANK USA/TARGETCREDIT provide full validation of this alleged account and immediately remove any inaccurate or fraudulent information from my credit report. I have already taken steps to protect my identity and filed an identity theft report with the appropriate authorities. Please investigate this matter and ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
So on XX/XX/XXXX I tried to transfer some money to a company that was undergoing system maintenance, they never showed that the transactions had gone through infact stating the opposite " try your deposit again later we are still under maintenance '' nun the less the money was taken out of my account. So after complaining to bouth merchant and Bank merchant says all transactions were returned same day on XXXX however chime states thay haven't. I'm worried that time is illegally holding onto returns again as they've previously been fined for tried to ask them simple questions like what information have you gathered from the dispute process what is the agent 's name working on the case without any real answers I think you all should look into this because both companies are telling me totally different things and quite frankly I don't trust either one. The refusing to provide a provisional credit no explanation as too why it's taking so longn or even who they're investigator is I think they are again stalling and withholding repayments for moniary purposes

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
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 2025-10-29 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Applied Data Finance, LLC
State: NC

Complaint narrative:
I tried to fix all errors but company sold information to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was told no to the possibility of getting a lower rate of interest. I explained my situation of being on a fixed low income, and that I would be looking for a lower rate of interest credit card. Also that I wanted a reasonable chance at paying this card off.

Company response to consumer: Closed with explanation