vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
CONSUMER COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT , INC . 
Company Name : Midland Credit Management , Inc . 
Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Alleged Debt Amount : [ Your amount ] Account Reference : [ Your account number if you have it ] SUMMARY OF VIOLATIONS I am filing this complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and California state law during their collection efforts on an alleged debt. 

DETAILED VIOLATION DESCRIPTION 1. FALSE REPRESENTATIONS ABOUT DEBT OWNERSHIP ( 15 U.S.C. 1692e ) During a recorded collection call, Midland 's representatives made contradictory statements about the original creditor 's involvement : First Statement : Repeatedly claimed " we have to show XXXX  XXXX that progress is being made on this debt '' ( said multiple times to create urgency ) Later Statement : Admitted " XXXX XXXX has no stake in this account '' and " XXXX XXXX took the loss when they sold it to us '' These mutually exclusive statements in the same call constitute fraudulent misrepresentation designed to pressure payment through false claims about XXXX XXXX 's ongoing oversight. 

2. FALSE CLAIMS ABOUT LEGAL PROCEDURES ( 15 U.S.C. 1692e ) Midland falsely claimed that payment plans would be " out of their hands '' if they filed a lawsuit. This is factually incorrect - debt collectors routinely negotiate payment arrangements and settlements after filing lawsuits. This false statement was used to create artificial urgency and pressure immediate agreement. 

3. FRAUDULENT INDUCEMENT Any electronic signature or payment agreement obtained during this call was procured through the false representations about XXXX XXXX 's involvement. The combination of fraudulent statements and my impaired capacity renders any such agreements void or voidable. 

4. UNREASONABLE PAYMENT DEMANDS Midland demanded monthly payments of {$200.00}, equivalent to a car payment, without regard to my stated financial hardship and unemployment status. 

PATTERN OF DECEPTIVE PRACTICES These violations demonstrate a systematic pattern of deceptive collection practices rather than innocent errors : Multiple false statements in a single call Contradictory claims proving deliberate deception Use of false urgency to manipulate payment decisions Disregard for state recording consent requirements IMPACT ON CONSUMER These violations caused : Emotional distress from deceptive high-pressure tactics Confusion about my legal obligations due to false statements Financial pressure from unrealistic payment demands Potential financial harm from invalid agreements obtained through fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am writing to formally complain about the mishandling of my business account opened with Wells Fargo on XX/XX/year>, at the XXXX, CT branch ( Account Number : XXXX ). At the time of account opening, I provided all necessary documentation and instructions to be established as the primary owner of the business account. No objections or deficiencies were raised during the account setup. However, I have since discovered that I was incorrectly classified as an executive member with restricted transactional authority. This error came to light when I attempted to transfer {$30000.00} from my personal account to the business account and was blocked from doing so due to the imposed limitations. This constitutes a material error and reflects a breach of the implied duty of care Wells Fargo owes to its customers in the accurate execution of account setup based on submitted documentation and intent. Furthermore, this situation amounts to negligent misrepresentation and a breach of contract, given that the contractual agreement I entered into was based on inaccurate implementation by Wells Fargo staff. Directing me to revisit the branch and resubmit documents to correct a mistake caused solely by Wells Fargos internal mishandling is neither reasonable nor acceptable. The burden of correcting such institutional negligence should not fall on the customer. Doing so disregards both the Uniform Commercial Code ( UCC ) provisions and basic contract law principles, under which financial institutions are obligated to act in accordance with the terms agreed upon and to exercise reasonable care in the provision of their services. I demand that this matter be rectified immediately. Specifically : ( 1 ) My rightful status as the primary owner of the business account must be restored, ( 2 ) A written explanation of how this misclassification occurred must be provided, and ( 3 ) Written confirmation of the correction must be issued without further delay or need for in-branch visits. Should this issue remain unresolved, I will have no choice but to escalate this matter to the Office of the Comptroller of the Currency ( OCC ) and pursue legal remedies as appropriate.

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 monetary relief
Consumer complaint received 2025-08-11 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-11 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: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-11 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: FL

Complaint narrative:
I am the victim of identity theft, as documented in my attached FTC Identity Theft Report ( Report No. XXXX ) and Identity Theft Affidavit. Several fraudulent accounts were opened in my name without my knowledge or consent, including with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported on my credit file despite being unauthorized. I have not applied for or used credit in years, and any accounts currently showing on my credit report are fraudulent. This is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-08-11 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:
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 2025-08-11 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have been waiting for months on an answer to my forgiveness under the PSLF program. Federal Student Aid has not given any response or information. It is completely unfair that I along with so many others have met the obligation of the program, but get no answers. I am well passed my loans forgiveness dates. I have tried to buyback my eligible months, and have gotten no answer. A complete cluster by a federal agency. How can we trust when you do nothing to communicate or provide answers. You are holding people hostage in their loans after we have done what we were supposed to do. Shame on Federal Student Aid.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is entirely unacceptable and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused significant concern and potential harm.

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 2025-08-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Numerous amounts of money have been taken out of my XXXX checking account which totals over {$2400.00} and I do not have a Verizon Credit Card Account. XXXX  said to me that I must contact Synchrony Bank.

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 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have student loans that were forgiven according to studentaid website. When I contacted them and my provider they tell me to fill this paper out fill that paper out ( which i have ) or they just transfer me to person to person with no communication with anyone by the end. Right now, I have these loans on my credit and one of them has actually been consolidated and im still paying interest. I have called many times and I am getting no where. Also, I am being charged for loans for a school I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On or about XX/XX/year>, I received a debt collection notice from Caine & Weiner claiming I owe {$5900.00} to XXXX XXXX ( C & W # XXXX ). This debt is the result of identity theft I did not open or authorize any account or transaction with this creditor. 

I have never conducted business with XXXX XXXX and have no knowledge of the account referenced. This debt is fraudulent and should not be attributed to me. 

Actions taken I have not made any payments toward this alleged debt, as it is not mine. 

I am disputing the validity of the debt within the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting full validation of the debt, including all original contracts, statements, and proof of my responsibility. 

I have reported this matter as identity theft to the relevant authorities and will provide supporting documentation as needed. 

I am requesting that this collection activity stop immediately, that the alleged account be removed from any credit reporting, and that the debt be confirmed as not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TN

Complaint narrative:
In XXXX  cash app took hundred of dollars from my account and I couldnt call anyone to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
Experian is reporting a tradeline furnished by XXXX XXXX XXXX multiple inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). These errors include : Different and contradictory dates of first delinquency ( DOFD ) compared to other credit bureaus.

Duplicate months reported as charged-off.

A gap of over four years before Date Major Delinquency First Reported.

Missing payment history despite many months reviewed. 

Credit limit missing or reported as XXXX for a revolving account. 

Conflicting charge-off amounts and inconsistent remarks. 

These errors are structural and embedded in the accounts history, making it impossible to correct without creating unverifiable information. 

Additional context : This same account was previously reported by XXXX XXXX XXXX as a collection account. Following my dispute, XXXX removed their tradeline from all credit bureaus, as confirmed in a CFPB case closure letter I am attaching. The continued reporting of the XXXX XXXX now creates conflicting and irreconcilable information for the same debt. This violates FCRA 607 ( b ), which requires furnishers to ensure accuracy, and FCRA 611, which requires credit reporting agencies to conduct reasonable investigations.

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 2025-08-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My mortgage is with Nation Star/Mr Cooper. Its my understanding that your agency won a lawsuit against them and they were to Re-dress ( the re-dress ) is from a letter I received from them a few years back. They were applying funds once a year towards my principal ( typically in XXXX ) but I have not received anything applied to my principal this year. I was never told how much I was owed by anyone and I have no way to determine what is going on with the re-dress. Please advise, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation