vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 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: CA

Complaint narrative:
I paid off my Truck Loan through my XXXX Credit Card on XX/XX/year>. XX/XX/year> received an alert from XXXX that my Credit Score changed from XXXX to XXXX because of this payoff that was reported by XXXX to Equifax of {$17000.00} that is a XXXX POINT DECREASE. XX/XX/year> spoke with XXXX XXXX was told they never heard of this being done to someone with my EXCELLENT CREDIT RATING, NO LATE PAYMENTS, COLLECTIONS, INQUIRES, NO CREDIT CARD BALANCES ALL {$0.00} ETC.. THEY TOLD ME TO CALL EQUIFAX WHCH I DID. XX/XX/year> called EQUIFAX spoke with Rep informing him I wanted to file a complaint, He said I dont blame you and agreed that it was excessive, He put me on hold to speak with his supervisor who told him to tell me " WE WILL SEND YOU A COPY OF YOUR REPORT, THEN TAKE IT TO YOUR FINANCIAL INSTITUTION AND SPEAK WITH A FINANCIAL ADVISOR BECAUSE YOU CAN NOT FILE A COMPLAINT ONLY THE ADVISOR CAN '' I asked him if I pay this off in 2 months will my XXXX Point decrease be re-instated he said I dont know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment account on my credit report which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require TransUnion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/year>, I accepted an offer from Associated Bank 's website to open a new checking account, complete a direct deposit of {$500.00}, and have an average daily balance of {$10000.00} over days 30-91, in order to qualify and receive a {$600.00} bonus. 

On XX/XX/year> I satisfied the direct deposit requirement. 

On days 30-91 ( XX/XX/XXXX through XX/XX/XXXX ), I exceeded an average daily balance of {$10000.00}. 

Per the terms and conditions of the offer, I was supposed to be paid the {$600.00} payment by XX/XX/XXXX. After not receiving anything, I contacted Associated Bank multiple times. After various excuses and false claims ( such as I did not meet the average daily balance, which is clearly proven by looking at my account history ), they finally claimed I was not eligible for a bonus because I had another personal checking account in the previous 12 months and received a bonus in the previous 24 months. HOWEVER, the terms and conditions of the offer state that you may not have had a PERSONAL account or received a bonus on another PERSONAL account in that time span. The other account I held was a BUSINESS account, which is proven by the statements I have showing the business account type and the DBA, or doing business as. 
At some point my Business Choice checking account was requested to be changed to a Business Access checking account. The customer service people looking into it seem to get confused as they see the " Access '' checking account and claim this is a personal checking account and thus makes me ineligible. However this account was opened as a Business Choice checking account and I was told it was updated to a Business Access checking account. I have the statements and documentation showing this was a business account. 

Since I had a business account, and did not have a personal account in that time span, I am entitled to receive payment for the promised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Received Civil Case # XXXX from Midland Credit Management for payment of a debt I did not request or owe. They have added my family as Defendants who are not a part of this as well, violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Re :

Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g To Whom It May Concern : I am formally disputing the alleged debt that you claim I owe. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Until you provide the requested documentation, you must cease all collection efforts, including reporting this debt to any credit reporting agencies. Please provide the following : 1. The name and address of the original creditor. 2. The original signed agreement or contract that created the alleged debt. 3. A complete account history showing how the amount claimed was calculated, including all charges, fees, payments, and credits. 
4. Proof that you are legally authorized to collect this debt, including documentation showing transfer of ownership or assignment of the account.

5. Your debt collection license or registration information in the State of Florida.

Be advised that under the FDCPA, any attempt to continue collection activity without providing proper validation violates federal law. If you fail to respond with the required information, or if you report this unvalidated debt to any credit reporting agency, I will not hesitate to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 
This letter is not an acknowledgment of liability, nor a promise to pay. It is a request for validation made in good faith under federal law. 
Please respond within 30 days of receiving this letter. 
To ensure compliance, you must : 1. Cease all direct and indirect communications with me regarding this alleged debt.

2. Cease all credit reporting activities related to this account and request removal from any consumer reporting agencies.

3. Refrain from selling, transferring, or assigning this account to any third party in an attempt to continue collection efforts.

4. Provide written confirmation within 10 days that you have ceased all collection activities, credit reporting, and will not transfer this account. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX  AND CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I submitted a dispute letter to XXXX XXXXon XX/XX/year>, disputing inaccurate reporting. Under the FCRA, they were required to investigate and respond within 30 days. As of today, I have not received any response. They are in violation of FCRA 611 ( a ). I am requesting full removal of the disputed item ( s ) due to lack of response and failure to investigate properly. Attached is the original dispute letter that was sent to XXXX XXXX, which further supports my claim. Here is the tracking confirmation of delivery : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
This complaint concerns a disputed, unauthorized transaction on my Wells Fargo checking account that the bank has refused to reimburse. On XX/XX/year>, my Wells Fargo accounts were compromised through a fraud scheme. Prior to any contact with me, fraudsters had already obtained my Wells Fargo account number by unknown means. That same day, I received a phishing call through which the fraudsters gained unauthorized access to my XXXX XXXX 

Once they controlled my XXXX XXXX  they used XXXXXXXX XXXX XXXX to initiate a {$9000.00} transfer from my Wells Fargo account XXXX 

I did not authorize this transaction. At the time it occurred, I had no access to my XXXXXXXX XXXX  and could not approve it. This was identity theft and account takeover. 

I immediately reported the fraud to Wells Fargo and contacted XXXX XXXX by phone on XX/XX/year>. Since my XXXXXXXX XXXX  was stolen, I could not receive a case number at that time. Once I created a replacement XXXX XXXX I followed up with XXXX Support on XX/XX/year>, and received Case No. XXXX. On that same day, I also filed a police report ( Report XXXX. XXXX ) and submitted an FTC Identity Theft Report via identitytheft.gov ( Ref. No. XXXX ). 

Wells Fargo initially opened multiple claims, and even acknowledged that at least one related transfer was fraudulent. However, regarding the {$9000.00} XXXX XXXX transfer ( Claim XXXX ), they denied reimbursement. In their denial letter dated XX/XX/XXXX, Wells Fargo stated : We determined the activity was authorized by you. They justify this by pointing out that the transfer was completed via my XXXXXXXX XXXX This reasoning ignores the fact that my XXXXXXXX XXXX itself had been stolen and was outside my control at the time. 

This decision is inconsistent with federal law. Under Regulation E ( 12 CFR 1005.2 ( m ) ), an unauthorized electronic fund transfer is one initiated by a person other than the consumer without actual authority, and from which the consumer receives no benefit. That is exactly what occurred here.

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 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I received a notice that I had a debt with charter for {$370.00} to my email in XXXX. I called amsher consumer the collector and asked them to kindly send proof of debt. The debt collector eventually hung up on me after asking for proof. I called back XX/XX/year> and I was told they already sent proof despite not getting anything. They told me to take their word for it. I asked to speak to a manager and spoke with XXXX XXXX of amsher. He was extremely condescending and told me I didnt know how anything works and said they would not send me proof of debt despite me never receiving their supposed letter. They are not providing any sort of proof. XXXX XXXX IS A LYING AND CONDESCENDING EXCUSE FOR A MANAGER AND HE HAS NO BUSINESS HAVING A JOB AS A COLLECTOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
This is the second time I am being threatened with foreclosure I am only one month behind and I got a usda loan that was sold to multiple places and now its with carrington! They claim my loan allows them to foreclose now and thats a lie!!! I will get a lawyer if I have too, they are constant harassing me! In Alabama alone they are required to wait till I am 120 days past due! I know my rights and I want something done for this constant trouble! They continue to harass and threaten me I will get a lawyer and sue for the hard ship and mental stress they are causing me!!!! Its affect my sleep and my over all health!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-08-21 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: LA

Complaint narrative:
I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-08-21 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15, U.S code1681- Prpcedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximun possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts i am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15, U.S code1681- Prpcedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximun possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts i am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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