vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
After being notified that my personal information was involved in a data breach, I obtained a new copy of my credit report. I was alarmed to find additional accounts that I do not recognize and never authorized. 

I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.


15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited. 15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting a formal follow-up to my original complaint regarding Midland Credit Management . On XX/XX/year>2025, I received a response from Midland that failed to meet legal validation requirements under the FDCPA and FCRA. The documents provided did not include a signed contract, proof of assignment, or itemized accountingonly generic billing statements. Furthermore, the letter Midland claims to have mailed was dated XX/XX/scrub> 2025, a Sunday when their office was closed, indicating the response may have been backdated to mislead.

Midland continues to report this unvalidated debt to the credit bureaus despite my certified disputes. I respectfully request that the CFPB escalate its investigation and compel Midland to cease all collection and reporting activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am reaching out to formally address a very serious issue with the Apple Card, issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch. My experience with this company has become increasingly unprofessional, prompting me to file this complaint and seek legal guidance. 

I have been an Apple Cardholder for a considerable period, during which I have encountered several negative incidents, including unauthorized transactions and disputes. As someone who frequently uses their credit card for online purchases, occasional issues are anticipated. However, the current situation has escalated to an unacceptable level. 

On XX/XX/year>2025, I received a notification that my Apple Card account had been closed, apparently rendering it unusable moving forward. This abrupt action by XXXX is both unprofessional and unjustifiable, particularly as it seems to disregard my legal rights to file disputes or chargebacks for undelivered goods and services. 

One such incident involved a transaction with the XXXX XXXX for an XXXX, where I was promised a trade-in credit. Despite assurances that this credit would be applied to my account, I discovered that it was instead added as a gift card balance. Upon realizing this discrepancy, I contacted XXXX, who advised me to file a chargeback. After doing so, my gift card balance inexplicably became unavailable. 

Even more concerning, XXXX closed the dispute in their favor while simultaneously freezing my gift card balance. Efforts to resolve the issue through their support teams have been futile, as I am consistently redirected to different departments without receiving clear answers or solutions. 

The closure of my account under these circumstances is unjust and could negatively affect my credit score. As a customer who has always upheld a good credit standing, I find this situation deeply troubling. I am therefore requesting legal assistance to address what I believe to be an illegal and damaging account closure by Apple Card and Goldman Sachs Bank USA. 

Your intervention and expertise in this matter would be greatly appreciated. I am prepared to take further legal action if necessary to protect my rights and financial standing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Citi bank just suddenly closed my account without any reason on XX/XX/XXXX, then they asked me waiting for the funds check because I just deposited my check on XX/XX/XXXX, the amount around {$2300.00}, so I still had money on it. After waiting for 2 months, I called them to get updated, and they asked my went to the branch, I did. But the agent at the branch said they couldnt do anything since the account was closed, and she helped me to called customer service again. Then they said I had to wait up to 90 days, and the check already sent out. However, until now, on XX/XX/XXXX, I called them again, they said the funds were not belong to me so no check was sent out. I have no idea.

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 2025-05-13 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:
Under 15 USC 1681b a consumer reporting agemcy may only furnish a consumer report if there is permissible purpose, and in several instances, ONLY with my explicit authorization. Any Reporting or distribution of my credit information without such a legally permitted purpose and not to exclude the fact of it being without my consent is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Several of my cards are reporting late when they are in fact closed accounts. Also balances reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-05-13 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume 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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
According to the credit report, which only shows up on one credit reporting agency, on XX/XX/XXXX I opened an unknown store credit account through Comenity Capital Bank and immediately racked it up to {$2900.00} dollars. 

I never received a bill, email, or phone call. Nothing negative was ever reported to my credit and never even heard about this. 

Near the end of XXXX I began getting phone calls from XXXX XXXX XXXX. I ignored them. 

Recently I tried to get a loan and was denied because of a mark on my credit. A week later, a summons showed up at an address I haven't lived at in over 19 years. They are garnishing my wages in XXXX if I don't pay. 

I have had XXXX try to verify. I have sent a certified letter for more information. 

I contacted Comenity and they have no record of my phone number, address, email, or SSN as to have ever been in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
I pulled my credit report and seen that XXXX XXXX put this account in collections and sold the debt.pursuaint to 15 USCode 1681b ( a ) 15 usc 1692c 15 usc 1692g 15usc 1681e ( b ). The debt has been bought Jefferson capital system would be liable for this debt and I want it removed from my credit reports. My privacy should be taken serious but its sold to third parties and my credit worthiness is based off of someone else'information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I got a call from a man claiming to be a lead sergeant at XXXX SC XXXX XXXX name XXXX XXXX. He told me my daughter was in jail there and she needed me to pay her bond money. He told me I could pay her bond through their bonding officer at the detention center with cash app. I paid the bond, I made 3 transactions {$400.00}, {$200.00}, and {$500.00} and was given transaction numbers after each payment.My daughter called me collect from jail and I told her I paid her bond. She asked the officer at the jail did they know a lead sergeant name XXXX XXXX and the said they had no one by that name there, she asked them did they receive the bond payment and they said they did not anything about a payment. The officer said I was scammed and that people pull your citation number and docket number and get your information that way and scam u out of your money. I was told to contact cash app and the police and let them know I was scammed. I filed a police report and I filed a transaction dispute with cash app and submitted my police report. Cash app emailed me back and told me they refunded me {$250.00} of the {$500.00} transaction I made but could not refund me anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
ACCORDING TO 15 UaSC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This situation is beyond frustrating. Out of nowhere, I discovered a debt on my credit report that I dont recognize, never agreed to, and certainly didnt authorize. Since then, Ive been harassed across calls, emails, and even textseach one more aggressive than the last, including threats of legal action. Ive done nothing to deserve this, and as someone who takes their financial responsibilities seriously, this feels like a complete violation of my consumer rights. It's impacted my mental well-being and disrupted my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
Summary of the problem : I applied for a deed in lieu, twice and got denied twice. LoanCare is actively obstructing communication during a pending foreclosure. On XX/XX/year> they left me a voicemail asking me to call back. I called the number they provided, as well as their main customer service line, multiple times during business hours ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and received a recorded message saying they were unavailable. 

On XX/XX/year> I received an email stating a new e-document was uploaded to my portal. On XX/XX/year> I saw an Assignment of Deed of Trust was posted on XX/XX/year> which typically precedes the recording of a Notice of Default ( NOD ) in California, signaling an impending foreclosure. I am locked out of my portal and unable to view critical potential foreclosure-related documents. LoanCares refusal to answer calls, provide working contact numbers, or allow access to legal documents violates federal servicing rules. 


Attached are screenshots of the LoanCare portal showing lockout, a copy of the Assignment of Deed of Trust recorded on XX/XX/year> from the San Francisco Assessor site, a screenshot of the XXXX email alert, and a photo of my call log notes from XX/XX/year>

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-13 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
FRAUD DEPARTMENT Ally Credit Card # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CASE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to dispute an unauthorized charge of {$1500.00} on XX/XX/year>. I was scammed by a company that damaged my car without permission. Despite disputing this for 3 months, Ally has denied my fraud claim without explanation, even after multiple requests for information. 

The company aggressively confronted me at one of my XXXX XXXX XXXXXXXX branch that I work for as director of lending for XXXX XXXX, blocked my car, and later returned to start unapproved work on my vehicle. They drilled a hole in my bumper, applied mismatched paint, and demanded payment, increasing the price by {$500.00} total for using my Ally card. None of this was disclosed or authorized. 
If more details are needed, I am happy to provide. 
I request an immediate reversal of this charge and a refund of any interest or fees that may have occurred due to this error. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing an inaccurate personal information entry on my Equifax credit report, which lists a former name as XXXX XXXX XXXX. This is clearly incorrect, as this name has no connection to my identity. The presence of this inaccurate personal information suggests a critical failure in Equifaxs data verification processes, potentially linked to a data breach, resulting in the mishandling of my personal identifiers.

Under the FCRA, 15 U.S.C. 1681 and 15 U.S.C. 1681i, Equifax is legally required to ensure that all personal information in consumer reports is accurate, complete, and properly verified. Reporting incorrect personal identifiers without proper verification is a direct violation of these federal protections, exposing consumers like me to potential identity confusion and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
TransUnion and Equifax are reporting different information for the account XXXX Lend 1.High Balance 2.Last Verified 3.Date of Last Activity 4.Date Reported 5.Date Opened 6.Closed date 7.Account Rating 8.Last Payment See attachment for the above highlighted items that are reported differently across TranUnion and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
I am attempting to remove my {$10000.00} charge off from my credit report. Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These are marks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am attempting to remove my {$10000.00} charge off from my credit report. Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These are marks have been detrimental to my life and credit health.

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