vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: ND

Complaint narrative:
Loan is for XXXX I've paid XXXX or close to it due to predatory lending apr %. Been paying XXXX a paycheck since XXXX I believe their site made my payment history inaccessible. They don't even report to 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for an apartment on XX/XX/year> and I believe the information on file may be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist attempted to debit my loan payment twice in the same minute. I did not authorize two payments. Their system created a duplicate transaction one minute after the first payment. XXXXXXXX XXXX  ( my bank ) rejected the second payment as an unauthorized duplicate. 

Despite this, Truist is charging me a returned item fee and refusing to remove it. 

I spoke with a supervisor named XXXX, and she stated there is nothing they can do because the system log shows two payments. However, the log clearly shows both payments were attempted one minute apart, which is not human behavior and indicates a system glitch or auto-submit error on Truists end. This is not the first time Truist has duplicated my loan payment.

Under federal consumer protection rules, I should not be charged fees for unauthorized or system-generated duplicate transactions. Truist is refusing to investigate properly, refusing to remove the fee, and placing the blame on me even though the facts clearly show this was a Truist system error.

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 2025-11-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XX/XX/year>, I disputed a Midland Credit Management collection account because the balance and reporting information did not appear accurate. At the same time, I sent Midland a written Debt Validation Request under FDCPA 809 ( b ). Midland did not provide any validation no contract, no account-level statements, and no documentation proving they have the legal right to collect.

Despite failing to validate the debt, Midland continued reporting the account to the credit bureaus with a balance of {$1800.00} and updated reporting dates. This violates FDCPA 807 ( 2 ) ( A ), because Midland is reporting and attempting to collect an amount they can not substantiate. It also violates FDCPA 808, because they continued collection activity even though they were legally required to stop until they provided validation.

I later disputed the account directly with the credit bureaus. However, the bureaus verified the account even though Midland never provided any documentation. This violates FCRA 611 ( a ) ( 1 ), because a reinvestigation can not be reasonable without validation. It also violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), because the information Midland is furnishing is unverified and inconsistent across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Please accept this correspondence as my formal notice disputing the referenced accounts. I have no affiliation with them and did not authorize their creation. I request removal and review. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account with Truist Bank was closed, but there were remaining funds in the account at the time of closure. To this day, I have not received the balance owed to me.

When I contacted Truists customer service on XX/XX/year>, I was informed that a {$7900.00} check deposited on XX/XX/year>, was placed on hold and under investigation. The representative was unable to provide any timeline for resolution. 

However, when I called again on XX/XX/year>, the representative told me that he could no longer locate any information regarding my account, as it no longer appeared in the banks system. I was extremely confused and concerned, as this issue has been pending for eight months without any explanation, update, or resolution, despite my repeated attempts to follow up with the bank.

I am requesting your assistance in resolving this matter and ensuring that the remaining balance from my closed account is properly issued to me.

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 2025-11-28 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-28 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-28 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: MS

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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> around midnight, I saw a listing on XXXX for a camera for {$60.00}. The description said I am giving this camera to the first person that congratulates me XXXX wedding anniversary through [ insert number ] with the screenshot of this post. So, I texted the number and talked to the woman who was selling the camera. We went through multiple steps to verify the legitimacy of the transaction such as photo proof she had it, giving my personal information, saying she was a XXXX fearing woman. She had also told me that I could not pay through the initial listing because she couldnt connect her card and that Zelle or XXXX worked for payment. I did not see a lot wrong with this as the camera she offered for a very cheap price was originally around $ XXXX {$1500.00}. So, I then sent her the money, {$60.00}, via Zelle on the XXXX XXXX and she said she would send the camera my way in the morning. This morning, XX/XX/year>, she sent me legit photos of a post office to prove she was about to send it. She then told me that shipping was {$35.00} but I can not afford that as I only have {$60.00} left in my bank account after the initial transaction. I have one job currently of which is not constant so I dont have a lot of money ever to waste like this. After telling her this, she has not contacted me despite my efforts of trying to contact her and get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am submitting this complaint to dispute the reporting of an account associated with XXXXXXXX XXXX XXXX XXXX XXXX ) that is currently reported by Midland. This is my fourth dispute regarding this account with both your company and all three major credit reporting agencies. The account is reported inconsistently across credit bureaus and contradicts information from the original creditor, making it inaccurate, incomplete, and unverifiable.

Reporting Issues Identified : Conflicting Balances and Account Status XXXX XXXX : {$1400.00} Open Collection/Chargeoff XXXX XXXX {$1400.00} Closed Collection/Chargeoff XXXX XXXX {$1400.00} Open 120 Days Late / Factoring Company Discrepant Dates : Date Opened, Date Reported, and Date of Last Activity differ XXXX XXXX, XXXX, and XXXX. 

XXXX shows a Date Reported in the future ( XX/XX/year> ), which is inaccurate. 

Conflicting Creditor Types and Duplicate Reporting : XXXX and XXXX identify Midland as a collection agency, while XXXX lists it as a factoring company. 

XXXX XXXX reports what appears to be a second entry ( MIDLANDCRE ) with differing dates, status, and classification. 

Chain-of-Title and Assignment Issues : XXXX reports a charge-off and sale/transfer of the same account, yet the balances and high balances differ between XXXX and Midland. 

Midland has not provided documentation proving that the debt was legally assigned, transferred, or sold.

Because the reporting is inconsistent across both the original creditor and the credit reporting agencies, the account can not be verified or considered accurate. These discrepancies violate FCRA 623 ( a ) and 1681e ( b ), which require furnishers to provide complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IN

Complaint narrative:
The following charged-off accounts are being disputed with TransUnion due to inaccuracies in the reporting : 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/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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I fully complied with Citis request for a 4506 form after opening my XXXX XXXX card. I signed it promptly, sent it back within the deadline, and verified that Citi had received it. Despite my complete cooperation, my account was closed without warning or reason. This is extremely confusing. Why was my account closed after I fulfilled every requirement? And why was my submitted documentation ignored?

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 2025-11-28 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: OR

Complaint narrative:
I am writing to dispute certain items on my credit report with TransUnion that I believe to be inaccurate or incomplete. Below are the details of the accounts that I am disputing : INQUIRIES XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS Account Name : XXXX XXXX Account Number : XXXX Account Name : OR XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2025-11-28 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: KY

Complaint narrative:
New Mailing Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security : XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX To : TransUnion Equifax Experian Date : XX/XX/XXXX Subject : URGENT MATTER Address Update and Fraudulent Account Removal To Whom It May Concern, I am submitting this letter as an urgent request to update my mailing address to the address listed above and to challenge fraudulent accounts that have been inaccurately reported under my name.

I have already filed an FTC Identity Theft Report, and I am formally disputing the fraudulent items listed below. These accounts were not opened by me, and I am requesting their immediate removal from my credit file.

In accordance with my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), the items listed below violate the following statutes : 15 U.S.C. 1681 Section 602 ( a ) : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits a consumer reporting agency from furnishing a report without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing information they know or should know is inaccurate.

These fraudulent items violate my rights to privacy, accuracy, and fair reporting. I demand that these accounts be fully investigated and removed immediately. 
Remove Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-11-28 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:
Issue : Capital One is withholding {$330.00} from my closed checking account for over 3 months due to an investigation involving a XXXX transaction. Every time I call, they tell me the investigation is still open and that they are waiting on a third party ( XXXX ). They refuse to escalate the case or release my funds. My account is frozen, so I have no access to my own money. 

Details : My Capital One checking account was closed, and I was told I would receive the remaining balance of {$330.00} by check. It has now been over 3 months, and Capital One has still not returned my funds. They continue to state that the funds are locked and they can not touch the money.

I have asked multiple times for escalation to the Regulation E investigations team or Executive Customer Relations, and the bank refuses to transfer me. I also requested a provisional credit, which I am entitled to under Regulation E since the investigation has far exceeded reasonable time limits. 

Capital One keeps repeating the same response : that they are waiting for XXXX and can not do anything until XXXX replies. However, Regulation E makes the bank responsible, even when a third party is involved. Capital One has not provided updates, timelines, or any path to resolution.

This delay has caused me financial hardship and violates consumer protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/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 non-monetary relief