vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
I recently discovered that XXXX XXXX submitted documents claiming I owe a debt on a, account number XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX that they say I owe {$6000.00} that also includes {$640.00} in interest fees that contains my forged signature and incorrect dates. I have not signed these documents, and I have evidence of the original documents showing the forgery. This is a federal crime under 18 U.S.C. 1028 ( fraud and identity theft ) and related laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 non-monetary relief
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
They have called several times daily stating that they were a lawyers office filing legal documents and going to come to court, and they are a third party collection and not the orignial creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
On XX/XX/year>, I received a physical letter from XXXX XXXX XXXX dated XX/XX/year> claiming that I owed them a total debt of {$64.00} trying to collect a debt originated with XXXX XXXX payments. they had my name as XXXX XXXX, which is incorrect. The reference number they used was XXXX. 

I called XXXX directly and they confirmed that I odid not owe them any debt so I can only assume that this is a fraudulent attempt to collect money. I'm not sure if I need to respond to them, but I am worried about them getting any additional personal information if I do respond.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 2025-12-19 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed 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 2025-12-19 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Company Involved : Experian Information Solutions , Inc . 
XXXX XXXX ( XXXX ) Account Name : XXXX XXXX Account Number : XXXX ( partial ) Complaint Description I am filing this complaint due to inaccurate and unverifiable credit reporting by Experian regarding a XXXX XXXX account. 

I disputed this account with Experian. Experian responded that the account was verified and would remain on my credit report. However, Experian failed to provide evidence that a reasonable reinvestigation was conducted. 

On XX/XX/XXXX, I formally requested the Method of Verification under 15 U.S.C. 611 ( a ) ( 7 ). Experian has not provided : The name or contact information of the verifier The method used to verify the account Any documents reviewed, including an original signed application or contract Without this information, Experian can not claim compliance with the Fair Credit Reporting Act. 

Experian is violating : 15 U.S.C. 607 ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 611 ( a ) Failure to conduct a reasonable reinvestigation Additionally, XXXX XXXX has failed to provide documentation proving this account is accurate and legally mine.

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 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received a court document that was dated back in XX/XX/year> saying that I was being sued by midland credit management. Ive never received any other documents before hand to even have time to respond to them or anything I being sue by midland credit management threw XXXX XXXX. Ive tried a number of times to contact both companies by phone and email and I have gotten no response from either company. Now I have received a notification that my wages will be garnished but I was given XXXX time frame to respond to the paper and when I tried to contact either company I got NOTHING no returned phone calls after leaving a number of voicemails and sending emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-19 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank reported inaccurate credit information on my account for approximately sixty ( 60 ) days after the account issue had already been resolved.

Despite the account being corrected, Synchrony continued to report an outstanding balance to the credit bureaus, which directly caused a negative impact to my credit score and overall credit profile.

This reporting was factually incorrect, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accurate and timely reporting of consumer credit information. 

The prolonged inaccurate reporting caused measurable harm to my creditworthiness, despite my efforts to resolve the account in good faith. 

I am requesting a formal investigation, immediate correction confirmation with all credit reporting agencies, and written explanation for why inaccurate reporting was allowed to continue after the account was resolved. 

This complaint is submitted due to Synchrony Banks failure to ensure accurate credit reporting and their lack of timely correction.

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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
My wallet was stolen out of my car with my phone and my debit cards and I lost access to the email that I originally created My first Cash app account with a block was put on my account and the lady told me only thing I had to do was create a new one and show them my State issue ID and I would be able to gain access to my funds nothing like that has happened they are not trying to give me my money back I have sent over my birth certificate my driver 's license and a state issue social security card to prove who I am and that the account belongs to me no one has tried to reach out to me to correct this situation I keep receiving the same emails and no help from different managers supposedly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NC

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 2025-12-19 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Unknown person stole my identity and opened fraudulent account in my name without my knowledge or consent. Please investigate and catch this person ( XXXX )XXXX XXXX XXXX AMERICAN EXPRESS XXXX XXXX Account : XXXX XXXX  XXXX XXXX XXXX is fraudulent and is not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX is on auto pay info the bk to stop pymts they say they can't

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 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Hello, I got a new credit alert this morning on my XXXX  report that a new debt collection company has assumed my debt and is misrepresenting the age of an old debt. The debt is 5-6 years old and it is now on my report as brand new. I read online that this is illegal and the age of the debt should still be represented with its original age, not reset as new when it is assumed by the new collection company. I would like this rectified and the company held accountable for this error. This loan was originally issued through XXXX, transferred to XXXX around XXXX and is now being misrepresented by Jefferson Capital Systems LLC. I disputed this with TransUnion today and will do so with the other credit rating agencies once the collection hits my report. My attachments show the emails I received way back in XXXX for the original collection by XXXX  showing the age of the collection and I also attached a screenshot of the XXXX report showing the date that Jefferson Capital Systems is reporting it as ( XX/XX/XXXX ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that my consumer credit file contains multiple accounts that are fraudulent, unauthorized, and do not belong to me. I did not open these accounts, did not authorize them, did not sign any contracts related to them, and did not receive any benefit from them. Their presence on my credit report is false, misleading, and unlawful.

Despite the seriousness of reporting fraudulent financial obligations, these inaccuracies were allowed to remain on my credit file. The continued reporting of information that is not mine demonstrates a failure to ensure accuracy, a failure to conduct a reasonable investigation, and a reckless disregard for consumer rights as required under federal law.

Credit reporting entities are legally obligated to maintain maximum possible accuracy and to promptly remove information that can not be verified as belonging to the consumer. Instead, my credit profile continues to reflect debts that are entirely invalid. This has caused significant financial harm, including damage to my creditworthiness, restricted access to credit opportunities, and ongoing emotional distress.

This is not a minor reporting error. This is the continued publication of false financial data, which has real-world consequences. Allowing these inaccuracies to persist after dispute constitutes negligent and willful non-compliance with the Fair Credit Reporting Act.

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 2025-12-19 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: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-19 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:
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