vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMENT INC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX  ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
In 2024 someone used my social security number to obtain a loan with Mohela i sent in all the documents and filed all the papers including a police report and wrote to them 3 times with no reply from them now this morning they are sending me a bill asking for payment. I just want this issue settled and repair my credit standing

Company response to consumer: Untimely response
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Issue : My Rooms To Go credit account was closed without notice while a full payoff check was in the mail. I was given conflicting explanations for the closure, and I believe the entire situation was deceptive and potentially harmful to my credit profile. 



What Happened : I had a Rooms To Go credit account with a {$4000.00} limit in good standing. I mailed a check to pay off the full remaining balance XX/XX/year>. While checking my account online ( XX/XX/XXXX ) to see if the payment had posted, I discovered without any prior notice that the account had already been closed. 

When I contacted customer service to ask why the account was closed, I was told it was due to a discrepancy with my mailing address while they were attempting to send a replacement card. This did not make sense to me, so I disputed the decision and the formal dispute response stated that the account was closed due to information found in my credit report. 

At no point was I informed that a credit review was being done, nor was I notified that the account was being closed. The timing is especially concerning, as the account was closed while my payoff check was in transit meaning the account does not yet reflect the payment, and still shows a balance. Had I not already mailed the payment, this situation could have resulted in my credit being damaged or me being forced to pay the full balance suddenly, without warning, and outside of the original monthly installment agreement. 

This feels like a bait-and-switch : the company closes the account behind the scenes without notice, gives inconsistent reasons for the closure, and risks harming the customers credit or financial standing in the process ; all while a payoff check is in transition. 



Company Name : Synchrony Bank ( Rooms To Go Credit ) Account Type : Retail Credit Card

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 2025-07-27 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: AL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 16814

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: AL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 16814

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
Us bank has disabled my online accounts. Stopped use of my debit cards. And I have over 500 in both 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 explanation
Consumer complaint received 2025-07-27 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: UT

Complaint narrative:
Credit reporting involves incorrect information and fraudulent entries

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 2025-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Essential Lending Inc
State: TX

Complaint narrative:
In XX/XX/year>, I formally disputed this account with all three major credit bureausXXXX XXXX XXXX XXXXregarding the inaccurate and unauthorized debt being reported by Wise Loan/Essential Lending . At the time, I was unaware that Essential Lending , Inc. was operating under the Wise Loan brand. I did not send a direct dispute to the creditor until recently, once I learned of their separate legal identity. No response or proper debt validation was ever provided by the collector XXXX, XXXX XXXX XXXX, despite threatening letters and calls. 

This debt is the result of identity theft, and at no point was I provided clear notification of my right to dispute directly with the creditor. The company failed to provide proper validation, and the collection agency continued to pursue the debt despite multiple disputes submitted through the credit bureaus. After further review, I discovered the loan was originated by Essential Lending , Inc., which operates under the trade name Wise Loan. I sent a formal dispute and request for validation to Essential Lending. XXXX XXXX XXXX XXXX XXXX later attempted to collect on this account under a different name without validating the debt, despite identity theft concerns. I am including evidence showing direct marketing from Wise Loan/Essential Lending and dispute activity with both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Activehours
State: NJ

Complaint narrative:
XXXX XXXX submitting a complaint in relation to money cash advance app named EarnIn. This company uses predatory business practices to lure and deceive consumers into thinking they will receive cash advances even after the payment was made on time. There is no customer agent by phone which is a problem for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
I'M A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I submitted a debt validation request to XXXX. In response, they failed to provide proper documentation verifying the debt. Instead, I received a generic billing statement with a total amount and payment options, but no breakdown of charges, no proof of agreement, and no legal basis for continued collection efforts. 

In addition, this debt was already resolved prior to me starting new services with XXXX. If there was any outstanding amount, I was required to settle it, and I did so. Therefore, this debt is no longer valid, yet it is still showing on my credit report and being pursued. I am requesting a full investigation and deletion of this account from all credit reporting agencies.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
I had made a reservation with XXXX XXXX for {$380.00}. I canceled the reservation immediately and used a different payment method. The hotel RELEASED THE HOLD 10 days ago, yet, cash app refuses to release it. I always have issues with cash app but I've never heard of a bank keeping your available funds for a month, even after providing them with a letter from the hotel showing there are no charges as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: PR

Complaint narrative:
Equifax is reporting a loan from XXXX XXXX XXXX ( Account # XXXX ) as open, past due ( {$560.00} ), and XXXX XXXX XXXX. This is completely false. 

I paid this loan in full and the account was officially closed on XX/XX/year>, as confirmed by an official Paid in Full letter issued by XXXX XXXX XXXX XXXX I have attached that letter as evidence. 

Despite filing a prior dispute and providing this proof, Equifax continues to report the same inaccurate and harmful information on my credit file. They corrected it temporarily once, but the error returned again, as if no resolution had occurred.

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits credit reporting agencies from knowingly reporting false information. 

This inaccurate reporting is damaging my credit and my ability to qualify for essential financial products. I am requesting : The permanent deletion or correction of this account from my credit report. 
A written explanation of how Equifax allowed this to reappear after proof was submitted. 
Confirmation that this account will no longer be re-reported incorrectly. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-27 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: KS

Complaint narrative:
I am disputing the following account listed on my credit report due to inaccurate information : Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : The Date of Last Activity reported for this account is inconsistent across credit bureaus, which is inaccurate. 
Requested Resolution : Please delete or correct the inaccurate information in the account details section to ensure consistency across all credit bureaus. 

Under federal law, including the Fair Credit Reporting Act ( FCRA ), I understand that consumers have the right to dispute and request corrections for inaccurate information on their credit reports. I have reviewed information from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), which confirms that credit reporting agencies and furnishers are required to report accurate information. The inaccurate information on this account is negatively impacting my ability to obtain credit. Please investigate this issue promptly and provide a response upon completion of your investigation. I appreciate your attention to this matter and look forward to a timely resolution.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Request for credit report agencies to remove fraud alert. However, it remains on all three of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: DISCOVER BANK
State: KS

Complaint narrative:
I had made a purchase to XXXX  XXXX  for {$170.00}. I got an email saying my package was delvered. I could not find it anywhere and upon checking the tracking info they provided a picture and the picture was not my home or the address it was to be delivered too. I filed a claim with XXXX XXXX  as well as made a dispute with Discover. I also sent Discover copies of emails that i had from XXXX XXXX  telling me that they do in faxt owe me a refund of {$170.00}, and then i get a letter from Discover telling me that the chargeback was denied and I owe the {$170.00}. I then called XXXX XXXX, and they informed me that they can not refund me while therer is an open chargeback after Discover told me they closed the chargeback. So now I am {$170.00} over my credit line, and I never received the product, AND I AM NOT paying this! They never should have denied it I sent them proof that I filed a claim with XXXX XXXXXXXX as well as emails from them telling me they were trying to refund me but Discover will not release the chargeback so they can refund me and they think I am going to pay for XXXX I never received!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after a reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete or modify that item of information from the file of the consumer. 

Please remove the following account from my credit report. I am requesting an immediate deletion or correction as it is reporting a late payment inaccurately, even though I do not have documentation showing that I was ever 30 days past due : Disputed Account Details : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Mortgage Conventional Real Estate Bureaus Reporting : TransUnion, Experian, Equifax Status : Open Date Opened : TransUnion : XX/XX/year> Experian/Equifax : XX/XX/year> Balance : {$160000.00} Monthly Payment : {$1800.00} Past Due : {$1800.00} Payment Status : Reporting Late 30 Days across all three bureaus High Credit : {$180000.00}

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 2025-07-27 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after a reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete or modify that item of information from the file of the consumer. 

Please remove the following account from my credit report. I am requesting an immediate deletion or correction as it is reporting a late payment inaccurately, even though I do not have documentation showing that I was ever 30 days past due : Disputed Account Details : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Mortgage Conventional Real Estate Bureaus Reporting : TransUnion, Experian, Equifax Status : Open Date Opened : TransUnion : XX/XX/year> Experian/Equifax : XX/XX/year> Balance : {$160000.00} Monthly Payment : {$1800.00} Past Due : {$1800.00} Payment Status : Reporting Late 30 Days across all three bureaus High Credit : {$180000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App falsely stated how the app authorizes an add money transaction on its XXXX XXXX instructions page. The instructions list XXXX steps : step XXXX asks for a pin to be entered or XXXXXXXX XXXX  to complete the transaction. These steps are also shown in the gif animation of how the app authorizes an Add Money transaction below the text. 

However, step XXXX does not appear on the actual app, leading to an unauthorized {$10000.00} withdrawal from my XXXX XXXX  account into my Cash App account via the Add Money feature on XX/XX/year>. I was then charged a {$71.00} fee to return the money back into my XXXX XXXX  account. Cash App now incorrectly lists the unauthorized {$10000.00} as " failed '' and erased the return transaction from my transaction activity but I my XXXX XXXX  transaction records show the {$10000.00} withdrawal by Cash App and {$10000.00} - {$71.00} = {$9900.00} return. 

After I filed a complaint to Cash App, it lied about sending me a resolution and refused to state what the resolution it says it has sent was.

Company response to consumer: Closed with explanation