vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Notice Dear Midland Credit Management This letter serves as a formal demand that you immediately cease and desist from engaging in any further contact, communication, or conduct directed toward me, including but not limited to harassment, unwanted messages, interference, threats, etc. 

Your actions, including contacting me on multiple occasions after I told you to stop, are unwanted and have caused distress and disruption. This conduct is unacceptable and must stop immediately. 

You are hereby instructed to refrain from : - Contacting me directly or indirectly in any manner - Making or publishing false, misleading, or defamatory statements about me - Harassing, threatening, or intimidating me in any form Failure to comply with this demand may result in further action, including but not limited to seeking legal remedies available under applicable law. This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 

Please confirm in writing that you will comply with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am NOT claiming identity theft. 
I am disputing the accuracy and verifiability of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts report conflicting information across credit bureaus, demonstrating a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), I request full disclosure of all information used to verify these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am NOT claiming identity theft. 
I am disputing the accuracy and verifiability of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts report conflicting information across credit bureaus, demonstrating a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), I request full disclosure of all information used to verify these accounts.

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 2025-12-26 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am disputing inaccurate credit reporting. 

The account from XXXX XXXX XXXX was deleted by XXXX  after investigation because it could not be verified as accurate. Despite this, Equifax/TransUnion continues to report the same account.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit bureaus may only report information that is accurate and verifiable. Since another consumer reporting agency has already removed this account due to lack of verification, continued reporting by your company is improper.

I am requesting immediate deletion of this account and written confirmation that my credit file has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
Consumers/ Account Holders : XXXX XXXX XXXX XXXX XXXX XXXX : Charles Schwab & Co. , Inc . 
Account Type : Brokerage Account ( Joint ) Date Account Was Restricted : Approximately [ insert date if known ] Preferred Methods of Contact : ( XXXX ) XXXX ( XXXX ) XXXX Summary of Complaint Charles Schwab & Co. , Inc. restricted our joint brokerage account for an internal review more than one month ago and has failed to provide any meaningful update, explanation, or timeline, despite repeated efforts on our part to obtain information. 
On the first day the account was locked, we promptly uploaded all documents requested by Charles Schwab. Since that time, our account has remained restricted with no written communication, no status update, and no indication of when the review will be completed. 
Detailed Description of the Issue Our brokerage account was locked by Charles Schwab for review without advance notice. 
All requested documentation was uploaded immediately on the same day the restriction was imposed. 
More than one month has passed since submission of the documents.

We have called customer service more than five ( 5 ) times seeking updates.

Customer service representatives stated that notes were added to the account requesting updates or escalation.

Each time we call, we are told there is no update and no further information can be provided. 
No written correspondence, explanation, or timeline has been given. 
Our funds remain inaccessible. 
Charles Schwab has not communicated whether the review is still pending, completed, escalated, or delayed, nor have they provided any explanation for the prolonged restriction. 
Basis of the Complaint While financial institutions may place temporary restrictions on accounts for compliance or review purposes, they also have a duty to : Communicate material account restrictions Act in good faith and with reasonable diligence Provide timely and meaningful updates to clients Avoid indefinite or open-ended account freezes without explanation In this case, despite full cooperation and immediate submission of requested documents, Charles Schwab has failed to provide transparency or basic communication regarding the status of our account. 
Harm Caused The prolonged restriction and lack of communication have resulted in : Loss of access to our own invested funds Inability to manage or move investments Financial uncertainty Emotional distress and ongoing inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). 

I submitted a valid FTC Identity Theft Report identifying accounts on my Equifax credit report that were opened as a result of identity theft. Despite receiving this documentation, Equifax stated it would wait up to 30 days for verification from furnishers. 

This response is legally improper. Under FCRA 605B, once an Identity Theft Report is submitted, a consumer reporting agency is required to block the reporting of identity-theft-related information within four ( 4 ) business days. There is no reinvestigation or verification period permitted under this section of the law. 

Equifaxs refusal to immediately block and delete the fraudulent accounts constitutes willful noncompliance and is causing ongoing financial harm. 

I am requesting that the CFPB require Equifax to : 1. Immediately block and permanently delete all identity-theft-related accounts and inquiries 2. Provide written confirmation of compliance 3. Cease any further reporting or reinsertion of the fraudulent information Supporting documentation, including my FTC Identity Theft Report and Equifaxs response, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I am submitting this follow up complaint as my third formal dispute regarding serious and ongoing inaccuracies on my credit report that remain unresolved despite my prior submissions and supporting documentation. I am extremely frustrated and concerned that Equifax, TransUnion, and Experian have failed to correct these erroneous entries, which continue to negatively impact my credit profile and financial well-being. This continued misreporting demonstrates a failure to comply with the Fair Credit Reporting Act, specifically FCRA 611, which requires consumer reporting agencies to conduct a reasonable and lawful reinvestigation of disputed information, and FCRA 623 ( a ) ( 2 ), which obligates furnishers to promptly correct or update inaccurate information once notified of a dispute. The repeated reporting of incorrect late payments further implicates FCRA 605 ( a ) regarding the reporting of obsolete or improperly maintained information, as well as FCRA 609, which entitles me to full disclosure of all documentation relied upon to verify the accuracy of reported data. Despite XXXX prior disputes, Equifax, TransUnion, and Experian have allowed these inaccuracies to persist, causing ongoing harm, stress, and potential limitation of my financial opportunities in direct contradiction of their federal obligations. I am formally demanding a complete and lawful reinvestigation of the XXXX XXXX XXXX account ending XXXX and the XXXX XXXX  account ending XXXX, full verification of all late payment records with the furnishers, and the immediate correction of any information that can not be fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I applied for a car loan with my XXXX XXXX, and they attempted to retrieve my file from TransUnion, only to be blocked. I have been reaching out to TransUnion since then, and now it's been a month and XXXX XXXX, and the block or freeze is still in place. I have no control over my bureau with this agency, and because they continue to do so, I have filed several complaints with the agency regarding inaccurate reporting, crossed files with unknown individuals, a massive number of inquiries, a lack of alternative methods when the robots fail, and a host of other issues. 

I want to be free and acquire the things I need without all of this nonsense and bureaucracy in the system. It has not been perfect, to say the least, as some of the preferred businesses have to use this bureau.

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 2025-12-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon checking my credit report I found unauthorized inquiries on my file please remove, XXXX, and XXXX XXXX XXXX  I DUDNT AUTHORIZE TO CHECK MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions decision to close my account after a XXXX deposit that they deemed suspicious, despite the fact that I did not solicit, initiate, or knowingly participate in any fraudulent or improper activity. 

On XX/XX/year>, my XXXX XXXX account received a XXXX transfer from XXXX XXXX XXXX, business owner of XXXX XXXX, XXXX. This transfer was sent to me while she was in XXXX XXXX, which is no indication of fraud or wrongdoing on my part. I did not engage in any misrepresentation, scam, or deceptive behavior related to this transaction. 

Without requesting clarification, documentation, or providing an opportunity for me to respond, Navy Federal abruptly restricted my account on XX/XX/year>. I went to the branch in XXXX, the XXXX did everything possible to help but to no avail. I was then told days after, I should their security team, which I did. I submitted all documentations from the sender including notarized letter, stating she was the one who initiated tge transaction but due to some internal issues with her bank, the transaction was immediately canceled, I even submitted the initiated transaction from her bank which shows her bank canceled it.

I believe Navy Federal failed to : 1 ) Conduct a fair and reasonable investigation.

2 ) Provide due process or an opportunity to explain the transaction.

3 ) Clearly communicate the basis for their decision.

4 ) Act in a manner consistent with consumer protection principles At no point was I informed of what specific policy I violated, nor was I given the chance to resolve or even cancel my XXXX access if necessary. Closing all my accounts solely based on receipt of a XXXX payment without evidence of intent or wrongdoing appears arbitrary and excessive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
A unauthorized transaction was made to my account only one claim was honored the other claim was denied and I want to know why it was denied when I didnt make the transaction happen I called the bank they gave me provisional credit but Ive received a paper saying only one claim was honored and not the other and reverse provisional credit will happen XX/XX/year> and I want that to not happen I want my money to stay because I didnt make such transactions to XXXX website and so if it was sent to my address my camera wouldve seen packages at the door nothing was left

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 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
There has been an error and misrepresentation of material facts relevant to my credit report. XXXX bank has reported incorrect information XX/XX/2025 for the amount of XXXX dollars. I have this account under investigation, and would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FinFit Holding Co, LLC
State: HI

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-12-26 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: GA

Complaint narrative:
I disputed the accuracy.

The letter was returned because the company reported an incorrect address on my credit report.

I sent a follow-up letter to another address after receiving the letter back in the mail.

The Collector failed to validate.

The Bureau continued reporting anyway. 
The balance changed, but the company never validated the debt.

Company response to consumer: Closed with explanation