vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, Midland Credit Management began reporting a debt allegedly owed to XXXX in the amount of {$1300.00}. I never received prior notice or communication regarding this debt before it appeared on my credit report. I submitted a formal debt validation request in accordance with the Fair Debt Collection Practices Act ( FDCPA ), asking for verification of the debt, including a full itemization, the original signed agreement, and the name and contact information of the original creditor. 

In response, Midland Credit Management failed to provide sufficient documentation to validate the debt. They did not include any signed contract, any statement of charges, or the contact details for XXXX. The only information they provided was the balance and a vague reference to XXXX. 

I also submitted a complaint through the CFPB, which was referred to the FDIC. The FDIC closed the case and forwarded the matter to XXXX, but I have not received any further contact or documentation directly from XXXX. 

As of XX/XX/XXXX, this account continues to report on my credit file with an outstanding balance of {$1300.00}, showing monthly updates and indicating the account is disputed yet no real verification has been provided. This is negatively affecting my credit and was not properly validated under federal law. 

I am requesting that this account be fully investigated and removed if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: PA

Complaint narrative:
I am a recipient of XXXX XXXX XXXX  funds distributed via a Way2Go prepaid card. Since XX/XX/XXXX, I have been unable to access my funds. My original physical card was canceled and replaced, but the app now shows only a virtual card number I did not authorize or create. The new physical card ( which I paid {$25.00} to expedite ) arrived and was activated, but it is not linked to my actual account and can not be used to withdraw or spend my child support funds. 

Over the past week, I have been repeatedly given the runaround by Way2Go support. I've spoken to at least five representatives who all attempted to activate international spending without success. One rep told me they couldnt help because my ATM withdrawal attempts weren't populating in their system. Ive submitted my drivers license, birth certificate, verified multiple security codes, and waited through XXXX resets multiple times. Each time, Im told Itll work this time, just wait two more hours. It never works. 

I attempted to transfer funds to my own verified bank account, and they flagged the transaction as fraud. One rep told me you can only do like {$25.00} at a time. Another told me to just try a different XXXX after I explained I was attempting an online grocery purchase that kept failing. 

I am currently in XXXX and now completely locked out of access to the funds I am legally entitled to. This has been going on for over a week with no resolution, no escalation, and no accountability. I need this issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I notice my account was missing {$1000.00}. I went on line and tried to file a compliant with Wells Fargo through my app ( which don't allow you to pick your real reason on why you want a complaint ) about your money missing. I tried to explain this in so many words that I will never book a XXXX appointment especially in my medical condition. I XXXX the name of the place who falsely took money out my account, even when I visit the wells Fargo office I told them verbally I don't live at that XXXX address, and I moved because the home got broken into and personal information, and things was stolen. which I have a police report, but I see Wells Fargo is very careless with all my claims I put in I notice. they always reject them. I work hard for my money. I've been banking with them about 9 years.

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 2025-04-16 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: OH

Complaint narrative:
I am submitting this complaint to formally dispute unauthorized hard inquiries that appear on my credit report. 
I previously contacted the credit bureau ( s ) regarding the inquiry from [ XXXX, Equifax and Experian ], which I did not authorize or initiate. Despite my dispute, the bureau responded that the inquiry was 'verified ' without providing any supporting documentation or proof of my consent. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know how and by whom these inquiries were verified. 
To date, no verification method or signed authorization has been provided. This raises serious concerns about the accuracy of the information being reported and the bureau 's dispute process. 
I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter further. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint to formally dispute unauthorized hard inquiries that appear on my credit report. 
I previously contacted the credit bureau ( s ) regarding the inquiry from [ XXXX, Equifax and Experian ], which I did not authorize or initiate. Despite my dispute, the bureau responded that the inquiry was 'verified ' without providing any supporting documentation or proof of my consent. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know how and by whom these inquiries were verified. 
To date, no verification method or signed authorization has been provided. This raises serious concerns about the accuracy of the information being reported and the bureau 's dispute process. 
I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter further. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act, FERPA, protect the confidentiality of student records, which was not upheld. My debts should be cancelled in full.

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 2025-04-15 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: DC

Complaint narrative:
( XXXX XXXX XXXX XXXX ) this is not my account I was added to it by my parent. Please remove from my credit report because Im not obligated to receive negative remarks from the account on my credit. Please remove ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
( XXXX XXXX XXXX XXXX ) this is not my account I was added to it by my parent. Please remove from my credit report because Im not obligated to receive negative remarks from the account on my credit. Please remove ASAP.

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 2025-04-16 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: IN

Complaint narrative:
Having to deal with these wrong items on my report has taken a serious toll. Ive worked hard to stay on track financially, but these mistakes have made it feel like none of that matters. Ive been rejected and questioned over things I know aren't right, and its exhausting.

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 2025-04-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase Bank, XX/XX/year> Account is on my report it is charged off in the debt amount, {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed XXXX XXXX * * * * {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX * * * * {$7100.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXX * * * * {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$16000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX * * * * {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$5100.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX * * * * {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * {$170.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX * * * * {$640.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * {$410.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * {$3300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * {$4200.00} Date Opened XXXX XXXX XXXX * * {$160.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * {$180.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * {$530.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX * * * * {$660.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * {$4600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
XXXX XXXX who I am in a lawsuit with is causing my credit score to continue to go down from an XXXX range down to a XXXX range now. The purpose of the lawsuit is XXXX XXXX prepaid vendors on installing solar panels and house generator and never finished project. They took the money and ran. I have submitted and spoke to all 3 credit reporting agencies Transunion, Experian, Equifax in the past regarding this issue. I have also sent documents from my attorney XXXX XXXX to all 3 credit reporting agencies. I am told now because I spoke with a TransUnion representative over the weekend XX/XX/year> and advised to submit again a report through www.FTC.gov which directs me to the CFPB website to fill out a complaint against credit reporting agencies. XXXX XXXX has filed bankruptcy and keep showing on my credit reporting delinquent 120 days now pass due. Since we began this process with lawsuit, the attorney advised I will not have to pay them anymore and to contact credit reporting agencies and let them know of situation. XXXX XXXX has been put on notice from my attorney. I no longer receive monthly statements from XXXX XXXX due to the lawsuit. The attorney clearly states that the credit reporting agencies should take note of the situation and fix my credit score according to the validity of the lawsuit with XXXX XXXX. Again, I mailed in and is on file the documentation from XXXX XXXX my attorney for valid proof of the situation to all three credit reporting agencies. My attorney has already also advised that if these credit reporting agencies should fail to comply to help resolve this issue they also will be put on notice and all three credit reporting agencies in the lawsuit for continuing defamation of character, false credit reporting monitoring not accurately reporting properly after legal documentation presented itself to help fix clients issue and resolve problem.

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 2025-04-15 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:
My XXXX  is a minor and was inquiring about a XXXX XXXX XXXX XXXX XXXX XXXX  ) for XXXX XXXX XXXX XXXX XXXX but declined the offer and requested to cease and desist any further communication as my XXXX  is only XXXX XXXX  of age and was solicited and persuaded to make an electronic signature on XXXX  XXXX  behalf when no such intention to proceed by the soliciting party XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a non profit organization. The said vendor, XXXX XXXX XXXX XXXX XXXX fraudelently charged my credit card {$500.00} on XX/XX/XXXX and again on XX/XX/XXXX {$1400.00}. I immediatley contacted the credit card company serviced by Chase Bank and disputed the charged reporting them and vendor creditor as fraud and soliciting a XXXX  without proper legal consent. In addition we were and still recovering from the FEMA disaster area here in XXXX XXXX  from recent fires and the XXXX XXXX of the state has extended the state of emergency for which much of our mail, notification and transportation services were delayed and interrupted. 
The lack of action and response to our complaint on behalf of the XXXX XXXX XXXX XXXX is was not acknoledged for over XXXX weeks only to be followed up by volunteers ' email rude uncompassionate responses as simply " we do not care about your financial hardships at this time we are keeping your money, deal with it and file a complaint if you like '' the female secretary replied via email only, not a phone call or even answer to paid certified letter of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB. complaint has been filed to request pursuant of FCRA 605B ( 15 USC 1681c ( 2 ) that within 10 days your reporting agency block and remove the unauthorized inquires and account that is on my credit report due to identity theft as a victim of the Equifax XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation