vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
While reviewing my credit reports in preparation for buying a home, I noticed a collection account from Wakefield & Associates that I do not recognize. I never received any prior notice or documentation about this debt and have no knowledge of owing a balance to the listed original creditor. I have now submitted a formal debt validation request to XXXX under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) and am waiting for a full response.

There are also clear discrepancies in how the debt is being reported. The balance is listed as {$1600.00}, which is higher than the high credit of {$1400.00}. This raises concerns about inflated charges or fees being added without proper itemization, which may violate the requirement under FCRA 1681e ( b ) to report only fully accurate and complete information.

Because this is a medical collection, I am also deeply concerned about the potential for unauthorized use or disclosure of protected health information. If the only way to validate this debt involves revealing sensitive medical data, I did not consent to that and request immediate deletion on those grounds as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received {$380.00} ( {$200.00} + {$180.00} } from a friend of mine, named XXXX XXXX by XXXX XXXX into my Checking Account with Capital One. Then on XX/XX/year>, I happened to see in my XXXX XXXX XXXXXXXX XXXX that they { Capital One ) put restrictions on my said checking account. I phoned up the Bank and ask for the reason why did they put restrictions upon my account. They could not or did not tell me a specific reason, only said that my account was currently under investigation by their Fraud Investigation Team and my account will remain restricted ( can't withdraw any money from my account ) until the investigation would be completed and Depending on the outcome of the investigation, they might lift-off the restriction or might close-down my account for good. On XX/XX/year>, they ( Capital One ) took away ( STOLE ) {$380.00} from my account and gave back to XXXX XXXX, WITHOUT MY AUTHORIZATION and while their own restriction upon my account was going-on and still going-on till date plus their investigation yet to be completed. What Capital One did is same like giving a verdict by a Judge before he/she got the investigation report and other modern technical/scientific tests ' report and only one-sided hearing from the Plaintiff, not bothering to hear from the Defendant. THESE WEIRED THINGS DO NOT EXCIST ANYWHERE IN THE WORLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Complaint Against Experian and Multiple Furnishers for FCRA Violations I am filing this complaint against Experian and the following furnishers for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous formal disputes, Experian continues to report inaccurate, incomplete, outdated, or unverifiable information on my credit report. The following companies are involved : - 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries that have appeared on my credit record. Despite sending correspondence to the creditor more than 30 days ago requesting proper validation of these disputed items, I have received no response whatsoever. Their failure to provide satisfactory documentation or validation of these alleged late payments violates my rights under the Fair Credit Reporting Act, and I am now seeking your assistance to resolve this matter expeditiously.

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 2025-07-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-28 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:
I am in complete disbelief, as a law-abiding XXXX  this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing this complaint regarding Discover Banks handling of a dispute I raised over unauthorized XXXX transactions that occurred after my phone was compromised. I had taken my phone to a repair shop ( XXXX XXXX and XXXX XXXX XXXX in XXXX, UT ), and shortly afterward, multiple XXXX payments were initiated from my account without my knowledge or consent. 

These transactions occurred approximately two weeks after I became aware of suspicious activity on my phone. I have evidence of unauthorized access, including : A police report documenting the incident ; Screenshots and links to personal files accessed and still indexed by XXXX ; Records showing suspicious access to my XXXX XXXX XXXX XXXX XXXXXXXX email account. 

I filed a dispute with Discover Bank, but it was wrongfully closed without proper consideration of the evidence I submitted. I have since reset my phone and taken cybersecurity precautions to prevent further harm. 

Discover has failed to reasonably investigate my dispute as required under Regulation E, and I believe their denial of the claim was improper. These transactions were clearly unauthorized, and the timing following the phone repair strongly supports that my device was tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: OK

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts nar cia not aulnorize or sioned a contract for must be removed off my credit report in XXXX days! 
These fraudulent accounts are not only damaging my credit but also causing me signiticant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to login to dispute some reports on my credit but it will not allow me to login. It keeps saying the password I just created is wrong, i create a new one, it's wrong. I request a different way to login so they say they will text a security code, it never gets sent, no matter how many times I retry. The customer service line has been absolutely no help.

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 2025-07-28 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/year>, during an active dispute filed with XXXX  and under ongoing investigation by the Consumer Financial Protection Bureau, the furnisher willfully updated the tradeline name on my credit report from XXXX XXXX XXXX XXXX to Columbia Debt Rcvy Genesis. This modification occurred without my consent, without proper verification, and while the account was under formal dispute and regulatory review. This conduct violates multiple key provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) requires credit reporting agencies like XXXX  to maintain and report information with the maximum possible accuracy. Allowing a furnisher to alter a disputed tradeline without verification directly breaches this duty ; FCRA 1681i ( a ) mandates that once a consumer disputes an item, the credit bureau must conduct a reasonable reinvestigation within 30 days, notify the furnisher, and remove or correct information that can not be verified. Instead, XXXX  allowed a material and misleading change to the tradeline during this reinvestigation, violating their obligation to maintain accuracy and integrity throughout the dispute process ; and FCRA 1681s-2 ( b ) places strict duties on furnishers : upon notice of a dispute, they must investigate the claim, review all relevant information provided by the consumer, and report the results accurately to the bureau. They are prohibited from reporting disputed information that has not been verified. The furnisher flagrantly violated this by updating the tradeline name mid-dispute without providing any verification or evidence of validity. Furthermore, XXXX  failed in its responsibility to protect my rights as a consumer by permitting this unlawful update to appear on my credit report while the dispute remained unresolved. This enables the furnishers continued noncompliance and compounds the harm to my creditworthiness. I have documented evidence, including screenshots of the tradeline name before and after the unauthorized update, proving this willful violation. I demand immediate and permanent deletion of this disputed account from all credit bureaus, a formal investigation and enforcement action against both the furnisher and XXXX  for willful noncompliance with the FCRA, and written confirmation of corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was sent a letter stating I owe a debt. I have asked them to provide legal proof and they can not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Midland Credit Management for reporting inaccurate information on my credit report. 

They are reporting a collection account from XXXX, but the balance exceeds my original credit limit, which is not possible without questionable fees or interest. 

Additionally, the address they have on file is incorrect and does not match my full residence the unit number is missing, which could affect proper identification. 

I submitted a dispute, and they responded claiming the information is correct, but they have not provided any valid documentation or itemized breakdown of the debt. 

This collection is severely impacting my ability to qualify for credit, and Im requesting the CFPB to review this complaint and ensure the account is removed if Midland can not fully validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-28 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:
On multiple occasions, I have submitted disputes and formal identity theft documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding the permanent blocking and removal of fraudulent items from my credit report. Despite my full compliance with federal requirements, you continue to report these fraudulent accounts and addresses, and you have issued generic, non-specific letters refusing to block the information.

The following items are fraudulent and must be permanently blocked and deleted from my credit file XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year>XXXX  Fraudulent Amount : {$110000.00} Additionally, the following fraudulent address must be deleted from my file : XXXX XXXX XXXX, XXXX, TX XXXX As previously submitted, my identity theft documentation includes : FTC Identity Theft Report Government-issued Drivers License Social Security Card Utility bill as proof of current address ( Drivers License ) Under FCRA 605B ( a ), you are required to block fraudulent information within four business days of receiving a proper request. Further, under FCRA 605B ( c ), you are legally obligated to provide a specific written explanation if you decline to block the information. Your prior generic letters do not satisfy this legal requirement and place you in violation of federal law. 

Metro 2 Compliance ( XXXX XXXX XXXX Codes ) Additionally, I am requesting written confirmation that the above fraudulent accounts and address have been updated using the appropriate Metro 2 ( XXXX XXXX ) reporting codes in accordance with credit industry standards and FCRA obligations. Specifically : XXXX XXXX must have been applied during the dispute process to reflect that the accounts are being investigated as identity theft claims. 


XXXX XXXX must be used to permanently delete the XXXX XXXX XXXXXXXX and XXXX accounts from my credit file. 


XXXX XXXX must be applied to delete the fraudulent address : XXXX XXXX XXXX, XXXX, TX XXXX. 


Failure to apply these reporting codes properly constitutes a willful violation of your legal duty to ensure fair and accurate reporting under both FCRA 605B and Metro 2 standards. 

FINAL DEMAND This letter serves as my FINAL DEMAND that you : Immediately block and permanently delete the above fraudulent accounts and address from my credit file. 


Apply the appropriate universal reporting codes ( XXXX XXXX XXXX  ) as evidence of compliance. 


Provide written confirmation of the above actions within ten ( 10 ) days of the date of this letter. 


Failure to comply will result in : Additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX  ), and my State Attorney General. 


Potential legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
Over {$8000.00} fraudulent zelle transactions that I did not authorize

Company response to consumer: Closed with explanation