vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
I received a debt collection letter from Linebarger Goggan Blair & Sampson , LLP for XXXX parking citations issued in XXXX, OR in 2018. I was never in XXXX in 2018, I do not own or have any association with the listed vehicle or license plate, and I am not the individual cited. 
The notice was addressed to someone named XXXX XXXX XXXX. My maiden name is XXXX XXXX  XXXX. '' These are clearly XXXX different names. I believe this misidentification may have occurred due to a lack of understanding of XXXX naming conventions, where names may contain similar components ( like " XXXX '' ) but are not interchangeable. 
This is either a case of mistaken identity or a data-matching error caused by culturally uninformed assumptions. Regardless, I have never owed this debt, and I should never have been contacted about it. 
This situation has caused unnecessary stress and taken up my time to correct someone elses oversight. I am formally requesting : That Linebarger Goggan Blair & Sampson, LLP immediately cease all collection activity, they remove my name and address from any records associated with this citation, they disclose how my information was obtained, and that they implement internal procedures or staff training to prevent future errors based on cultural or name misinterpretation. 

I am exercising my rights under the Fair Debt Collection Practices Act and ask that this matter be resolved swiftly and completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT THERE ARE ALOT OF FRAUDULENT AND UNAUHTORIZED ACCOUNTS ON MY CONSUMER REPORT. I AM DISAPPOINTED THAT THE CREDIT BUREAUS WOULD NEGLECT MY INFORMATION LIKE THIS. I HAVEN'T USED MY CREDIT IN YEARS AND TO COME ACROSS THESE ACCOUNTS IS AN INSULT TO MY CHARACTER. PER THE FAIR CREDIT REPORTING ACT LAW THIS SHOULD NOT BE HAPPENING. PLEASE UPDATE MY CONSUMER REPORT SO THAT IT IS ACCURATE. I NEED MY INFORMATION PROTECTED.

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 2025-07-20 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:
IT HAS COME TO MY ATTENTION THAT THERE ARE ALOT OF FRAUDULENT AND UNAUHTORIZED ACCOUNTS ON MY CONSUMER REPORT. I AM DISAPPOINTED THAT THE CREDIT BUREAUS WOULD NEGLECT MY INFORMATION LIKE THIS. I HAVEN'T USED MY CREDIT IN YEARS AND TO COME ACROSS THESE ACCOUNTS IS AN INSULT TO MY CHARACTER. PER THE FAIR CREDIT REPORTING ACT LAW THIS SHOULD NOT BE HAPPENING. PLEASE UPDATE MY CONSUMER REPORT SO THAT IT IS ACCURATE. I NEED MY INFORMATION PROTECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: DISCOVER BANK
State: RI

Complaint narrative:
On XX/XX/year>, the company sent a letter admitting : You are not responsible for the balance of the original account. Despite this : They migrated the same debt to a new account number in XX/XX/year>. 
On XX/XX/year>, they withdrew {$360.00} via unauthorized auto-charge. 
They later sent account statements falsely claiming the new {$16000.00} debt is valid ( XX/XX/year> letter ). Statements dont override your written admission of debt invalidity. Under FDCPA 1692g ( c ), your XX/XX/XXXX letter supersedes all prior claims. 
They refuse to delete tradelines from credit reports.

Violations : FDCPA 1692e ( 2 ) ( A ) Falsely representing debt validity after admission of invalidity.

EFTA 1693f Withdrawing funds without authorization.

FCRA 1681s-2 ( b ) Refusing to correct inaccurate credit reporting. 
Demand : Delete all tradelines related to both accounts Cancel {$16000.00} debt Refund {$360.00} + penalties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
XX/XX/XXXXEquifax Information Services LLCXX/XX/XXXXExperian\XX/XX/XXXXTransUnion Consumer SolutionsXX/XX/XXXXRE: Cease and Desist Demand for Reporting Inaccurate and Fraudulent Information\n\nTo Whom It May Concern,\n\nThis letter serves as my formal demand, pursuant to my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  XX/XX/XXXXand the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C.  XX/XX/XXXX, that you immediately cease and desist from reporting, furnishing, or otherwise sharing any inaccurate, unverifiable, or fraudulent information related to the following accounts that appear on my credit report:XX/XX/XXXXThese accounts are either the result of identity theft, were reported in error, or are otherwise inaccurate. I have previously disputed these items and have provided sufficient evidence to demonstrate they do not belong on my credit file. Continuing to report these accounts violates my rights under the FCRA, which mandates accurate and verifiable reporting of consumer information.\n\nSpecifically, under FCRA SectionXX/XX/XXXXB (15 U.S.C.XX/XX/XXXX, you are required to block information resulting from identity theft upon request. Additionally, under Section XX/XX/XXXXand XX/XX/XXXX of the FCRA, I have the right to request verification and demand deletion of unverifiable information.\n\nI hereby demand:\n\t1.\tImmediate removal of the above-listed accounts from my credit file.\n\t2.\tWritten confirmation that these items have been removed and will no longer be reported to third parties.\n\t3.\tCease and desist from any further reporting or furnishing of these inaccurate or fraudulent accounts.\n\nFailure to comply with this request may result in my pursuing legal remedies available to me, including but not limited to statutory damages, attorneys fees, and injunctive relief under federal law.\n\nThank you for your immediate attention to this matter.\n\nSincerely,XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DreamSpring
State: NV

Complaint narrative:
I Requested Validation of Debt regarding DreamSpring XXXX. 

I sent a formal dispute and request immediate correction regarding an account listed on my credit report in your name. This account is marked as charged off/closed, but still inaccurately states that I owe a balance. I have made several attempts to resolve this matter directly with your office, including letters and multiple phone calls, most recently on XX/XX/XXXX, XX/XX/XXXX, also on XX/XX/XXXX, and again on XX/XX/XXXX, without resolution. 

I have also raised the concern that this account may be a result of fraud or identity misuse, and I have repeatedly requested validation of the alleged debt within 30 days as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any documentation proving that I am legally liable for this account, including any signed contracts, applications, or agreements. 

Upon reviewing records from XXXX XXXX and the Uniform Commercial Code ( UCC ) database, I found no lien or legal attachment in my name. Despite this, your company continues to report the debt to credit bureaus under my personal information, which is both inaccurate and damaging. 

This false reporting has caused me significant financial hardship, reputational harm, and embarrassment, preventing me from securing new credit or financial relationships. If there is any documentation that suggests I authorized this loan or transaction, I request that it be sent to me immediately. Otherwise, this continued reporting constitutes defamation of character and a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I am confused by the status of the account. If it is truly charged off and closed, why does it still reflect a balance owed and remain on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Midland Credit Management , Inc . 
XXXX XXXX  XXXX XXXX, MI XXXX ( Or use the address listed on your credit report or XXXX 's correspondence ) RE : Final Demand for Immediate Deletion Account # XXXX ( {$390.00} ) & # XXXX ( {$950.00} ) Collection To Whom It May Concern, This correspondence serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I previously submitted a request for full and complete validation of the following accounts you are currently reporting : Midland Credit Account # XXXX {$390.00} Collection Midland Credit Account # XXXX {$950.00} Collection To this date, you have failed to provide the required documentation under federal law. 

Let me make this very clear : A bill is NOT validation. 
A simple summary or invoice does not fulfill your legal obligation under the FDCPA. 
You are currently furnishing these unverified accounts to the credit bureaus, causing material harm to my credit profile, without the legally required proof of debt ownership or validity. This is a willful violation of federal law and a direct infringement on my rights as a consumer. 

I now demand that you immediately produce the following documentation : A copy of the original signed contract or agreement bearing my wet signature A complete billing and payment history from the original creditor A flow sheet showing the full chain of assignment from the original creditor to your agency A binding purchase agreement or assignment contract granting your company collection rights Proof that you are licensed to collect debts in the State of Illinois Do NOT respond with a generic notice stating the account has been " verified. '' That is not acceptable and will be considered continued noncompliance under the law. 
If you are unable or unwilling to provide these items, you are legally required to : Delete both accounts from XXXX XXXX XXXX XXXX Cease all collection and credit reporting activity on these accounts immediately Failure to comply within 15 calendar days will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance filed with the Illinois Attorney XXXX XXXX XXXX litigation under XXXX XXXX. XXXX and XXXX seeking statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a Capital One credit card. As part of the application process, Capital One performed a hard inquiry on my credit report, which caused my credit score to decrease. I was not clearly informed that a hard inquiry would be performed, nor did I authorize it with full understanding. I believe this inquiry was unjustified and is negatively impacting my credit. I am requesting that Capital One remove or request removal of this hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NJ

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have not properly addressed the disputes I submitted regarding incorrect and negative entries on my credit report. These unresolved inaccuracies have damaged my credit score and limited my financial opportunities, causing unnecessary XX/XX/XXXX and hardship.

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 2025-07-20 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:
I am filing this complaint because Equifax, Experian, and TransUnion have not properly addressed the disputes I submitted regarding incorrect and negative entries on my credit report. These unresolved inaccuracies have damaged my credit score and limited my financial opportunities, causing unnecessary XX/XX/XXXX and hardship.

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 2025-07-20 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
PLEASE REVIEW ATTACHMENT WITH NEGATIVE INACCURATE INFORMATION ON MY CONSUMER CREDIT REPORT INCLUDING DUPLICATE ACCOUNTS WITH INACCURATE ACCT NUMBERS VIOLATING MY CONSUMER RIGHTS UNDER 15 U.S.C. 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
I requested my transcripts and my request was denied due to owing money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called Citibank , N.A . multiple times until XXXX representative finally informed me that my account would be closed after I deposited XXXX checks. I had received an email confirming the acceptance of the checks. However, XXXXXXXX XXXX later, I was unable to access my account, receiving a message stating a system delay and urging me to try again later. 

When I finally decided to call, I was met with lies. The representative claimed that it would take XXXX days to access my account after the checks were posted or that I could visit a branch, which I informed her I didnt have in my state. She persistently advised me to go to a branch. 

After XXXX days, I called again to discover that my account was still going to be closed without any explanation. It has been XXXX months since this incident, and I have yet to receive my money. The bank of the checks I deposited held all my funds. The checks were dated XX/XX/year>, and XX/XX/year>, respectively. 
Ive tried reaching them, but theyve given me no answer. They put me on hold for over an hour and then hung up on me.

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent a complaint about how XXXX  XXXX XXXX suddenly closed my bank account and restricted me from every other banks in XXXX saying I got flagged from EWS, they responded saying it was not them who reported me but XXXX  reported me and they tried to contact XXXX  to re-open my account or unrestricted my information. 
I got the mail back in XXXX XXXX XXXX  and today is XX/XX/year>, XXXX  still restrict me and I still can not open any account that connect with the Early Warning System. 
I want to make the complaint about how XXXX  is trying to push every fault under XXXX XXXX XXXXXXXX and when I tried to work with both of them to solve my problem, only XXXX XXXXXXXX XXXX respond and XXXX  giving me silent treatment. I want XXXX  to email me and explain to me why they restricted me, why they closed my account, what happened, and why they did not give me any chance to explain my point of view The attachment I sent below have a sentence saying If you think this was deleted by mistake, contact us but when I tried to contact both of XXXX  and XXXX, they all denying it! At least XXXX was trying their best to help me but XXXX  didnt even explain a single word and when I call to ask them they hung up on me and said it was not their business, it was all XXXX  fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: KS

Complaint narrative:
Car was sold under deception. Was never checked out as told. Had nothing but issued from the time I got it. Car was behind the fence in the lot and was suppose to be auction off. XXXX lied about it having XXXX point inspection just to sell it. Was in the shop XXXX  times. Made me pay XXXX for the XXXX repair. They kept saying nothing was covered. Just flat sold me a lemon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: AL

Complaint narrative:
For example, I borrowed {$800.00} and they said no interest for 90 days, tried to pay it off within 90 days and still try to hit me for XXXX plus dollars just for the XXXX XXXX I borrowed This happened on XXXX other accounts which pretty much double if not more than what I borrowed. 

I was told the wrong information and taking advantage of without any knowledge of the deal they were presenting Then also took up payments bi-weekly instead of once a month like they told me. I was still willing to pay it off but they want to double than what they let me borrow for the car repairs I also made multiple payments on the account and that's how I noticed when my balance wasn't going down much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To fairly resolve this matter in accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request the following actions : Immediate reinvestigation of the late payments associated with the following accounts : XXXX Account Number : XXXX XXXX  Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Verification of proper notice : The furnishers must provide documented proof ( such as email notices, mailed statements, or billing reminders ) showing I was informed in a timely manner before reporting any late payment. 

Permanent deletion of any late payment entries for which the creditor can not produce such verification, as required under FCRA 1681e ( b ) and 1681i ( a ). 

Written confirmation of the outcome, including : Whether the accounts were updated or deleted. 

A copy of my revised credit report reflecting the corrections. 

Deadline for action : I request that this matter be fully resolved and documented within XXXX business days. 

Failure to take these steps will result in further legal complaints with the FTC, state Attorney General, and formal legal action under FCRA 616 for damages and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, I had a XXXX checking account that was subsequently closed. In XXXX, I attempted to reopen the account online but was denied. I subsequently visited a Chase branch to open a checking account, but that attempt was also unsuccessful. I checked my XXXX XXXX XXXX Report, but I did not find any record indicating that the account was closed and not reported to XXXX. I also checked the XXXX XXXX XXXX XXXX Report. I do see theres a record of Chase on there. However, the consumer removed the record dated XX/XX/XXXX. I am unsure if this means that they removed their system or deleted this record from my disclosure report.

Company response to consumer: Closed with explanation