vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management is reporting a collection account they say came from XXXX XXXX  for about {$9200.00}, opened in XX/XX/year>. It shows up as a collection on my XXXX  and XXXX  reports. 

I dont believe this account is accurate. Ive never received any proof from Midland showing that I owe this debt or that they have the legal right to collect or report it. I tried disputing it through the credit bureaus, but the only response I got was that the account meets FCRA requirements, with no real documentation.

So far, Midland hasnt provided an itemized breakdown, a copy of the original agreement, or anything verifying the debt. The balance also seems too high and may include added fees or interest I never agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, to whom it may concern Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer : XXXX XXXX Banks : XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Chase XXXX XXXX : XXXX XXXX Transaction Date : XX/XX/year> Total Amount paid : {$19000.00} ( paid with XXXX XXXX and Chase Visa ) Including this breakdown : {$16000.00} for mobile app ( never delivered complete product and no source coding or testing provided ) {$3000.00} for digital marketing ( delivered with poor quality and not as described ) Dispute Type : Services Not Rendered Summary In XX/XX/year>, I hired XXXX XXXX for a mobile app development project, estimated to be completed within 34 months. Despite full payment of {$19000.00}, the company failed to deliver a final or functional product after more than seven months of delay.

The merchant admitted to a server breakdown and loss of project code, repeatedly missed deadlines, and never provided a completed or testable version of the app. 

Both XXXX XXXX ( XXXX XXXX ) and Chase Visa denied my disputes, which is unfair and inconsistent with the evidence showing clear nonperformance and breach of contract.

Digital marketing service : poor service and missed 2 months of deadlines. Service is Not as described and unsatisfactory.

Request I respectfully request that these disputes be reopened or escalated to XXXX  and XXXX Arbitration Review under the Services Not Rendered category ( XXXX XXXX XXXX / XXXX XXXX XXXX ). 

The merchant did not fulfill its contractual obligations, and I seek a full refund of {$19000.00} for the undelivered project. Alternatively at least refund {$16000.00} for the refund for the absolutely undeliverable and unworkable mobile app. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
There is an inquiry on my credit report that I have absolutely no knowledge of. I did not authorize, apply for, or give any form of consent for this company to pull my credit. This is a fraudulent inquiry made without my permission, and it has caused me unnecessary stress and concern about the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this complaint against Equifax for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information and provide the results within 30 days of receipt. 
On XX/XX/year>, I submitted a formal written dispute to Equifax via USPS Certified Mail ( Tracking # XXXX ). The dispute included complete identity verification documentationcopies of my government-issued photo ID, Social Security card , and a recent bank statement verifying my current address. In my correspondence, I requested a full investigation and correction of the following inaccurate items on my credit report : - Account : XXXX XXXX XXXX XXXX XXXX - Public Record : XXXX XXXX XXXX ( Reference # XXXX ) - Personal Information : Inaccurate identifying details listed on my credit profile.

According to USPS tracking records, Equifax received my dispute on XX/XX/year>. Despite clear delivery confirmation and sufficient identification, the statutory 30-day period has now lapsed. Equifax has failed to provide any acknowledgment, communication, or investigation results. This constitutes a clear violation of the FCRA and demonstrates a disregard for federally mandated consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 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 2025-11-04 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: EQUIFAX, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
XXXX XXXX, XXXX is attempting to collect a debt that was already satisfied in full. The alleged balance of {$52000.00} is tied to a Mercedes-Benz Financial Services lease , not a traditional loan. The vehicle was declared a total loss on XX/XX/year>, and the lease was fully paid through my insurance company and the built-in GAP protection included with all Mercedes- Benz leases . Despite the lease being paid and closed, XXXX XXXX is reporting or attempting to collect on this account, using inaccurate personal information and an incorrect balance. Mercedes-Benz Financial had no legal basis to sell or transfer this account to a third-party collector after it was satisfied.

These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 607 ( b ) : failure to maintain maximum possible accuracy ; FCRA 604 ( a ) ( 3 ) : no permissible purpose to obtain or furnish my credit information ; FCRA 611 ( a ) ( 1 ) ( A ) : duty to investigate and correct disputed information within 30 days ; FDCPA 807 ( 2 ) ( A ) : false representation of the character or legal status of a debt ; FDCPA 808 ( 1 ) : attempting to collect an amount not permitted by law.

I have already disputed this directly with XXXX XXXX in writing, demanded validation, and issued a formal cease-and-desist under FDCPA 805 ( c ). I have also filed reports with the CFPB and FTC for recordkeeping.

I request the CFPB compel XXXX XXXX to cease all collection activity, remove or delete any reporting to the credit bureaus, and confirm that no debt is owed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is suspected to be due to the Equifax data breach. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX, US DEPT ED opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, and XXXX opened XX/XX/XXXX. And inquiries such as XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, my computer locked up and the screen told me to call XXXX XXXX XXXX to unlock my computer. He convinced me that he was working to remove a stubborn XXXX virus, and that my computer, phone and email had been " compromised/locked. He further said that I would be contacted by 2 people from my bank 's " investigation team '', as well as an " agent '' from the Federal Reserve Board. He also made me create a " new XXXX account, '' which sent me a detailed plan of who I would be working with from my XXXX bank investigation team. 

The first person had me buy {$9000.00} in gift cards to " protect further funds '' from my bank. There were also some discrepancies with unusual overdrafts and withdrawals totaling about {$16000.00} that I never approved. I also saw a suspicious amount of {$2000.00} on my XXXX card, but their fraud team denied my request since " I was the one who approved '' the purchase from XXXX XXXX. I was also told to empty my entire retirement fund from XXXX to 2 banks- XXXX and XXXX. 

The second " main '' player with whom I spoke and texted with every day, first tried to get me to buy gold in {$50000.00} amounts. Two places I went to refused, so she told me to wire {$50000.00} each from my XXXX and XXXX Bank accounts to a " fake '' Wells Fargo account as a secure " escrow ''. 

I also got a call from that Federal Reserve " agent '' explaining that they were working as a team along with the XXXX staff and the FBI. 

In the end, XXXX ended our " relationship '' and closed my account, and the REAL XXXX fraud dept said there was no way to reverse the transfer due to insufficient funds and for " waiting too long '' to report this crime. 

I filed a police report and opened a REAL Wells Fargo account to secure what money was left since XXXX is an online bank and I wanted to work with a brick-and-mortar bank. In the end, I lost nearly {$120000.00}. I always considered myself to be a smart man who was aware of all the stories about these fraud alerts, but I was so taken by their authenticity and believed it was all legit. 

Not one company- XXXX, XXXX, XXXX, Wells Fargo- did their due diligence on any of these suspicious transactions. I am now facing the possibility of being taxed by the IRS for emptying my retirement funds and ruining my credit score. I am trying to locate an attorney who deals in elder law, but I do not have high hopes. 

Oh, and I got a call from a detective in CT  who was working with a woman whose experience mirrored mine, right down to the fake name/account to where wires were transferred to Wells Fargo . He said he would get in contact with my local detective who is working on this case.

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 2025-11-04 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: CT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XX/XX/XXXX. I got a mail says the interest rate was increase from 5.14 % to 17.99 % from XX/XX/XXXX because title document is not complete XX/XX/XXXX. I talked to a representative and was told the extra interest will be refunded once I submit the doc needed. 
XX/XX/XXXX. The doc is delivered XX/XX/XXXX. A representative told me 1. I can not get interest refunded. 2. My interest can not be adjusted to the original level until XX/XX/XXXX, which is more than a month after they got the doc

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 2025-11-04 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: IN

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