vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

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 2025-07-27 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: CT

Complaint narrative:
Subject : Dispute of Unauthorized Collection Reporting Midland Credit Management Inc To Whom It May Concern, I am writing to file a formal complaint and demand immediate investigation and removal of a collection account that has been improperly reported to my credit file by Midland Credit Management Inc ( Account opened on : XX/XX/year>, Balance : {$540.00} ).

Nature of the Dispute : This alleged debt was never validated, and I have no contractual obligation to Midland Credit Management Inc. If the debt was purchased, I was not a party to that transaction and therefore do not owe Midland Credit Management any payment whatsoever.

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) and the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to dispute this claim as : 1. No signed agreement exists between myself and Midland Credit Management.

2. Midland Credit has failed to validate the debt under 15 U.S. Code 1692g.

3. This account has been placed for collection without proper legal standing or proof of ownership.

4. Reporting such debt without full validation constitutes willful furnishing of inaccurate information, a violation of FCRA 623.

Legal Position : The assignment of a debt does not automatically bind the consumer to a third party, absent direct agreement.

As such, Midland Credit Management Inc. is not a party in privity of contract with me. They have no legal standing to collect or report this alleged debt without : Full chain of title from the original creditor, A signed agreement showing my consent, Proper notice and opportunity to dispute before reporting.

Their continued reporting is not only inaccurate and misleading, it may also constitute defamation of character and credit reputation under state common law.

Requested Action : I am demanding that the CFPB : 1. Immediately remove this account from all major credit bureaus XXXX XXXX XXXX XXXX XXXX ; 2. Investigate Midland Credit Management for violations of FDCPA and FCRA ; 3. Require Midland to provide full and complete validation of the alleged debt if they wish to continue reporting it ; 4. Confirm that no further collection attempts or reporting be made without legal proof.

If this issue is not resolved immediately, I am prepared to escalate to the FTC, state Attorney Generals office, and pursue legal action for willful noncompliance.

Summary : This is an invalid, unverified, and unauthorized third-party claim. I am not liable to a company I have never done business with. Unless full proof is presented, this account must be removed immediately to avoid further legal exposure.

Thank you for your time and swift action on this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

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 2025-07-27 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: MD

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-27 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: MD

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-27 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: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$5700.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2025-07-27 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: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$5700.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negativity impacting my credit. Per section 15 USC 1681 c-2. Any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I discovered that {$1000.00} was missing from my Wells Fargo account while I was on my way to shop at the mall. The transaction was labeled as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I want to make clear that I have no connection to this payment or account, and I have never applied for an XXXX XXXX, nor do I know anyone who would have access to both my Wells Fargo account and such a service. 
I immediately called Wells Fargo at XXXX to report the incident. The representative assisted me in creating a new account for security reasons, and I was given access to my remaining funds, totaling {$1100.00}. However, shortly after, the {$1000.00} was withdrawn again, even from the new account. I believe this happened because the original payment was still in a pending status when the new account was created, and it processed again automatically. I assumed this was part of the investigation process and waited for an outcome.

In reviewing my account more thoroughly, I also noticed : Login timestamps where I am absolutely certain I did not access my account, which led me to believe I was truly hacked.

A transfer of {$500.00} from my savings to my checking, which I initially assumed was a scheduled deposit from a family member, not knowing it was a transfer. I want to make it clear I did not authorize that transfer.

Today, I received a letter stating that Wells Fargo has denied reimbursement of the {$1000.00} due t
o lack of evidence of unauthorized activity. I respectfully disagree with this conclusion and requested a reinvestigation.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Mohela report 90-day late payment. This is a violation of XXXX XXXX reporting standards, which require that late payments be aged properly ( 30 60 90 ). A sudden jump from current to 90 days late is inaccurate and misleading.

Account show on XXXX and XX/XX/year> but 90 days late in XX/XX/year>. 

This is for student loan for that of {$980.00} and {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-27 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request the removal of inaccurate personal information listed on my credit report. The only accurate and current address that should be associated with my credit file is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses that are outdated, incorrect, or were never mine. the only address that is correct is the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The other addresses are either from prior residences or were incorrectly reported, and they are no longer valid. Keeping outdated personal information on my report may lead to confusion, fraud risk, or inaccurate verification by lenders. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting this correction to ensure the accuracy of my personal information. 
Please investigate this matter and send me written confirmation once the removal of these addresses is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXDate of Birth : XX/XX/year> SSN ( Last XXXX Digits ) : 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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: KS

Complaint narrative:
On Tuesday XX/XX/XXXX I spent {$97.00} at XXXX. XXXX  completed the transaction the same day. The following day I looked at my account and although XXXX had completed and it was showing on my account the {$97.00} charge there was an additional {$97.00} now showing as pending. I had asked for a refund from XXXX for certain items I had not recieved and was immediately refunded {$12.00}. That amount is now also showing as pending. I contacted Cash App support regarding the 97 pending charger several times. I was told to contact the merchant first which I did and will state what was said between myself and a XXXX assistant in the text below. XXXX stated they did not have anything pending. They stated they completed the transaction so any pending charges wouldn't be on them it would be on Cash App. I relayed all of that to the Cash App support but was given several excuses that didn't make any sense. When cash app took the 97 from my account it caused me to go negative and took away any extra money I had available to me. It has hurt me financially. After doing some research on the matter I found out that Cash App has had problems in the past double charging on transactions. The Cash App support didn't help me fix the issue they just kept trying to defer my questioning and kept telling me to contact the merchant even though as stated the transaction has been completed.b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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