vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit profile

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE 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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am submitting this complaint because my former XXXX XXXX XXXX is being inaccurately reported to the credit bureaus. I believed this loan was in forbearance and was not provided appropriate billing or past-due notices. As soon as I was notified, I acted immediately to resolve the loan through consolidation. The loan is now fully satisfied with a {$0.00} balance. 



Despite this, the loan is reporting as charge-off or derogatory with multiple late payments from XX/XX/2025 through XX/XX/2025. Federal student loans do not charge off in the same manner as consumer credit, and the current reporting is inaccurate, misleading, and damaging to my credit standing. I am requesting that the servicer remove the derogatory marks and update the status to reflect Paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CO

Complaint narrative:
T

he 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 2025-12-05 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: SC

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 2025-12-04 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: SC

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX i had several charges that were disputed and denied were these fully investigated correctly in not the cfpb has ordered for cash app to remiburse the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Saturday XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX XXXX and deposited {$1300.00} in cash into the ATM, which I routinely use for deposits. The ATM accepted my cash without any errors, so I assumed the deposit was successful. The next day, I noticed the deposit had not posted to my account, so I immediately contacted Chase and filed a claim. He assured me this happens frequently on weekends and that my money would be recovered with nothing to worry about. I was also credited temporarily. 

Chase later informed me that they only recovered {$260.00} from the ATM, which does not reflect the amount I deposited. Following this, I took multiple steps to resolve the issue. I formally disputed the partial recovery and requested that the claim be escalated under Regulation E, as this was clearly an ATM malfunction. I also requested all documentation used in the investigation, including the ATM reconciliation report, cash logs, and adjustment records, as required under federal law. I asked for a second audit of the ATM, including examination of the reject bin and misfeed trays, since errors, jams, and miscounts are common in ATM cash handling. 

Despite these efforts, Chase has not provided the required documentation nor conducted a complete investigation. The bank closed the claim without addressing the malfunction or verifying the full amount of my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was charged $66888.97 by a merchant named XXXX XXXX. I did not receive any service, product, or acknowledgement for this charge. The charge was purportedly for flight tickets, but I booked and paid for the same flight directly with Delta Air Lines immediately after, which has confirmed no record of a third-party booking.\n\nThe merchant, XXXX XXXX, is uncontactable (no working phone,  no email, no website, no address) and for intents and purposes is an illegitimate organization and is running a scam(fraud).\n\nI filed a dispute with Citibank. Citibank denied the dispute on the grounds that I originally filed a fraud charge but they responded  that there was "no fraud" because I gave out my card information. Citibank then informed me after several subsequent dispute filings in the next 6 months that since the charge was ruled "not fraud," a billing dispute could not be claimed.\n\nThis decision violates the Fair Credit Billing Act (FCBA). The FCBA protects consumers against charges for non-delivered services, which is the nature of this dispute. Citibank is conflating "unauthorized use (fraud)" with "billing error (non-delivery)" to deny my valid claim. I have also filed a police report XXXX XXXX) regarding the suspicious nature of this charge/merchant.\n\nCitibank failed its obligation to conduct a reasonable investigation into a charge from an unverified merchant for a service that was clearly not rendered.\n\nI want the charge of XXXX PLUS INTEREST PAID to be permanently reversed, removed from my account, and the possible negative reporting to all credit bureaus to be immediately ceased.\n\nAttached is the copy of my statement for both the XXXX XXXX XXXX XXXX  charges made on the same date for the same itinerary, XXXX XXXX XXXX XXXX XXXX XXXX report, and CITIS RESPONSE.'

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: NC

Complaint narrative:
On Friday, XX/XX/year> I received an email from Cash App that if I go to purchase groceries, I can earn {$10.00} cash back on a gricery ourchase of {$10.00} or more, so I went ahead I activated the offer on Sunday, XX/XX/XXXX knowing that I was going to be putting money into Cash App later that day and then go to the store on Monday. Apparently, something had gotten missed or glitched or something with my cash app and the offer was not activated. Then I went back to the grocery store, purchased more grocery items with the offer activated within the time frame at the grocery store and should have received a {$10.00} cash back. I have been waiting over a week for this to happen all I get is the run around in the chat and then got put on hold on their phone customer service for over an hour and was told my issue has been escalated and would receive wird withbmin 3-5 day. This was on XX/XX/XXXX. Today is XX/XX/XXXX. Well over 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because two collection accounts are appearing on my credit report that I do not recognize and do not belong to me, which violates my rights under the Fair Credit Reporting Act ( FCRA ) including Sections 609 ( 15 U.S.C. 1681g ) and 611 ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( 15 U.S.C. 1692g ) as these accounts are being reported without proper verification or validation. The disputed accounts are : XXXX ) XXXX, account number XXXX, reported on XX/XX/XXXX for {$7200.00}, and XXXX ) XXXX XXXX, account number XXXX, reported on XX/XX/XXXX for {$50.00}. I have never authorized, signed for, or entered into any agreement with these companies, nor have I received any original documentation proving that these debts are legitimate. I am also attaching my SSN, identification, utility bill, and identity report to confirm my identity and demonstrate that these accounts do not belong to me. I respectfully request the CFPBs assistance to ensure these furnishers comply with federal law, stop reporting unverifiable information, and remove these accounts from my credit file if they can not provide original evidence validating the alleged debts, as their continued reporting is inaccurate, damaging, and unlawful.

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 2025-12-05 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:
In XX/XX/year>, I reviewed my Experian credit report and discovered multiple inaccurate, duplicate, and unauthorized items that I did not recognize or authorize. These include duplicate medical collection accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX, as well as an additional collection account from XXXX XXXX XXXX. The balances reported ( ranging from approximately {$520.00} to {$3500.00} ) appear multiple times under different account numbers, which violates XXXX XXXX reporting standards for duplicate tradelines. 

During this same period, I also noticed several unauthorized hard inquiries from auto dealers, lenders, and third-party companies dating across XXXX. I did not apply for credit with these companies, nor did I give permission for them to access my credit file. These inquiries have harmed my credit standing and were reported without permissible purpose under FCRA 1681b. 

I submitted formal disputes to Experian, requesting deletion of the inaccurate personal information, duplicate collections, unauthorized inquiries, and misreported late payments. Despite providing documentation and requesting reinvestigation, Experian failed to correct or remove the inaccurate data. The disputed accounts remain on my report even though the companies involved have not verified the debts. 

These actions have resulted in significant negative effects on my creditworthiness, including a decrease in my score and difficulties obtaining credit. I am requesting CFPB assistance to ensure Experian conducts a lawful reinvestigation, removes unverifiable and duplicate data, and corrects all reporting errors in compliance with FCRA 607 ( b ), 611 ( a ), and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
In XX/XX/year>, I reviewed my Experian credit report and discovered multiple inaccurate, duplicate, and unauthorized items that I did not recognize or authorize. These include duplicate medical collection accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX, as well as an additional collection account from XXXX XXXX XXXX. The balances reported ( ranging from approximately {$520.00} to {$3500.00} ) appear multiple times under different account numbers, which violates XXXX XXXX reporting standards for duplicate tradelines. 

During this same period, I also noticed several unauthorized hard inquiries from auto dealers, lenders, and third-party companies dating across XXXX. I did not apply for credit with these companies, nor did I give permission for them to access my credit file. These inquiries have harmed my credit standing and were reported without permissible purpose under FCRA 1681b. 

I submitted formal disputes to Experian, requesting deletion of the inaccurate personal information, duplicate collections, unauthorized inquiries, and misreported late payments. Despite providing documentation and requesting reinvestigation, Experian failed to correct or remove the inaccurate data. The disputed accounts remain on my report even though the companies involved have not verified the debts. 

These actions have resulted in significant negative effects on my creditworthiness, including a decrease in my score and difficulties obtaining credit. I am requesting CFPB assistance to ensure Experian conducts a lawful reinvestigation, removes unverifiable and duplicate data, and corrects all reporting errors in compliance with FCRA 607 ( b ), 611 ( a ), and Metro 2 standards.

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