vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
CFPB Complaint Statement Midland Credit Management , Inc .

To Whom It May Concern : I am submitting this complaint regarding a collection account reported by Midland Credit Management , Inc. in the amount of {$630.00}, as shown on my Experian credit report dated XX/XX/year>. 
This debt is inaccurate and potentially fraudulent. I currently have an active fraud alert on my Experian credit file ( placed XX/XX/year> ) because my personal information may have been used without my consent to obtain credit. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting that this account be verified with original, signed documentation from the original creditor that proves I opened and authorized this debt.

If Midland Credit Management , Inc. and Experian can not verify the debt with such documentation, I request that the account be permanently deleted from my credit file. Please investigate this matter and provide written confirmation of the outcome within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX CFPB XXXX XXXX XXXX XXXX XXXX ( XXXX ) To Whom It May Concern : I am submitting this complaint regarding a collection account reported by XXXX XXXX XXXX ( XXXX ) in the amount of {$210.00}, as shown on my Experian credit report dated XX/XX/year>. 
This debt is inaccurate and potentially fraudulent. I currently have an active fraud alert on my Experian credit file ( placed XX/XX/year> ) because my personal information may have been used without my consent to obtain credit. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting that this account be verified with original, signed documentation from the original creditor that proves I opened and authorized this debt. 
If XXXX XXXX XXXX and Experian can not verify the debt with such documentation, I request that the account be permanently deleted from my credit file. Please investigate this matter and provide written confirmation of the outcome within the XXXX period required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am refiling this complaint because TransUnion avoided addressing my original dispute by falsely claiming that the complaint was not submitted by me. I personally filed the prior CFPB complaint and did not authorize any third party, credit repair company, or representative to act on my behalf. XXXX claim was false and prevented a proper reinvestigation. 

The issue concerns unauthorized credit inquiries that appear on my TransUnion report. I did not authorize or initiate the following inquiries : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX via XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion did not reinvestigate these inquiries, did not verify authorization, and did not provide any documentation showing a permissible purpose. Instead, they closed the prior case based on an incorrect claim that the dispute was not submitted by me. This violates TransUnions duties under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i ( a ).

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 2025-11-13 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: SC

Complaint narrative:
I hope this letter finds you well. I am submitting to formally dispute several inaccuracies listed on my credit report. After reviewing my file, I have identified a number of errors that I believe are negatively impacting my credit. These discrepancies appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), and I respectfully request that they be investigated and corrected in accordance with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX * Balance Owed : {$770.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} As per FCRA 623 ( a ) ( 2 ), furnishers of information have a legal obligation to report accurate and complete information. The inaccuracies in the charge-offs, collection accounts, and the incorrect address are in violation of this requirement, and I request that these items be corrected. Under FCRA 602, Congress emphasizes the importance of ensuring that credit reporting is accurate, fair, and privacy-conscious. The inaccuracies present in my report undermine these purposes and cause ongoing harm to my credit profile and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I hope this letter finds you well. I am submitting to formally dispute several inaccuracies listed on my credit report. After reviewing my file, I have identified a number of errors that I believe are negatively impacting my credit. These discrepancies appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), and I respectfully request that they be investigated and corrected in accordance with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX * Balance Owed : {$770.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} As per FCRA 623 ( a ) ( 2 ), furnishers of information have a legal obligation to report accurate and complete information. The inaccuracies in the charge-offs, collection accounts, and the incorrect address are in violation of this requirement, and I request that these items be corrected. Under FCRA 602, Congress emphasizes the importance of ensuring that credit reporting is accurate, fair, and privacy-conscious. The inaccuracies present in my report undermine these purposes and cause ongoing harm to my credit profile and financial well-being.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX years ago I ran into a hardship and I had to stop paying on my credit cards. I was working with a credit repair company who ended up taking my money instead of trying to pay off my debt after I worked with them and got the best I could my credit cards were too far in arrears for me to catch up so they started writing off the amounts that I owed. Now I know I will receive a tax form where I have to pay taxes on the amount that they wrote off. My credit scope score started going up and it got up to XXXX until a company came in and bought all of the credit card balances and it dropped my score XXXX points because it looks like they are new the information theyve listed on my credit report shows that they are newly delinquent which is untrue. They are over XXXX years old, but they just purchased them, which makes it new to them, but not me so I am being punished through the credit reporting agency for a second time because this company decided to buy the debt. I am having a hard time getting employment let alone everything else that goes with having a XXXX XXXX XXXX this is not fair. This is making my life more difficult a second time and if I have to claim bankruptcy because of this never-ending cycle, then I guess XXXX have to this does not seem legal or right they should not be able to start the clock all over again because they bought debt that was previously written off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CL Holdings LLC
State: PA

Complaint narrative:
I have a collections account from XXXX for {$150.00} that is not my account. The date said account was opened was XX/XX/year>, which I was in a treatment center, XXXX XXXX XXXX XXXX XXXXXXXX, during this time, until the beginning of XX/XX/year>, so I couldn't have possibly opened an account on said date. I had XXXX access to my mobile phone or any type of internet access for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Ive tried spending this Amex gift card I was given anywhere and everywhere no one accepts it, XXXX, XXXX, nothing, not a single website, its useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
I am not associated with these accounts and ask that they be deleted within XXXX  days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am formally disputing these CAPITAL ONE accounts reporting on my credit file. These accounts are not mine and are the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, CAPITAL ONE has failed to provide documentation verifying the accuracy or ownership of these accounts. I have repeatedly requested validation, including a signed contract bearing my signature, itemized statement, proof of assignment, and verification procedures, but have received no such evidence.

Furthermore, CAPITAL ONE failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC and XXXX  regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel CAPITAL ONE to provide full verification or immediately remove these accounts from my credit reports to restore the accuracy and integrity of my consumer file. 

Unauthorized Accounts Listed : XXXX ) CAPITAL ONE Amount : {$850.00} Date XXXX XXXX ) CAPITAL ONE Amount : {$1800.00} Date XXXX XXXX ) CAPITAL ONE Amount : {$570.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
There was a debt in my name for {$680.00} by a credit card company, XXXX XXXX, in XX/XX/XXXX. This was then given to a credit card debt collector, XXXX XXXX, without my consent and I am now being sued for a debt of {$880.00} by XXXX XXXX XXXX. The credit card debt collector has not only illegally taken control of the debt, but has also added unknown fees to the original amount. 

I was also never properly served. All paperwork, including a Writ of Garnishment Notice, was sent to an address that is not legally my address and has not been since XX/XX/XXXX. The company had created the Writ of Garnishment Notice on XX/XX/XXXX and was signed by the court on XX/XX/XXXX. The Writ of Garnishment Notice was received at the illegal address on XX/XX/XXXX. 

LVNV Funding and XXXXXXXX XXXX XXXXXXXX also have illegally sent this notice. The legal amount of days that I was to be notified of garnishment is 91 days, which the companies listed above did not follow. The companies listed also are coming for the incorrect amount of {$880.00} which is an increased percentage of 11000 % from the total amount of money I have in my name, which is {$8.00}. In Michigan, the legal amount that a creditor can ask for is 25 % of a persons disposable income, which LVNV Funding has not followed. I have not worked during the 2025 year as I am a full-time student. 

I have documented proof that the original debt number is different than the one from LVNV Funding on my credit report, falsely obtained the debt, did not properly serve or notify me, and has made sure that I was not able to file an objection to the court. I also have the email from XXXX XXXX which states that the debt was charged-off, and that XXXX XXXX requested to be removed from my report at the time of the charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NV

Complaint narrative:
Formal notice of FCRA Violations-Sham Investigation & Failure to conduct a Lawful Reinvestigation. Experian / Equifax / Transunion

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Formal notice of FCRA Violations-Sham Investigation & Failure to conduct a Lawful Reinvestigation. Experian / Equifax / Transunion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-11-13 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: NV

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Hello, Im requesting a review of my Synchrony Bank account ( last four digits : XXXX ) that was closed after a returned payment during the recent government shutdown. I was actively resolving the issue a representative had informed me that my payment was submitted incorrectly and needed to be refunded and resubmitted. I followed those instructions, but before the payment could post, my account was closed without notice. 

This was my first payment issue, and the timing during the shutdown likely caused additional processing delays beyond my control. I was also told the account could be reopened, then later told it could not. Given the miscommunication and circumstances, Im asking that my account be reopened and restored, or that the closure be removed from my credit report as it inaccurately reflects my credit behavior. 

Please confirm once this has been reviewed or advise on how I can escalate this matter further.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: PA

Complaint narrative:
This gym was informed of my medical issue that doctor order did not allow me to work out and by law Im not required to provide them any documentation but verbally inform them of such but yet they kept illegally billing me even when they said they would stop and now illegally reported this account damaging my credit never even notified me before placing it on my credit to allow me to dispute the item violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: WV

Complaint narrative:
I complained about there check cashing and they cashed many from the same place before I complained after they stopped cashing any of them and gave me no reason I'm XXXX and bound to a wheelchair hard to get out to cash them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
In XXXX, my identity was stolen after my wallet was lost, which contained my drivers license, Social Security card, and other personal information. Since then, multiple fraudulent accounts have appeared on my credit reports across all three bureaus. 

XXXX of the fraudulent accounts is a XXXX XXXX credit card that I never applied for, never authorized, and never used. This account began appearing on my credit reports around XXXX and has been reporting late payments, high utilization, and a charge-off status with a balance of approximately {$1200.00} and XXXX day late notations. 

I disputed this account directly with XXXX XXXX several times. I provided extensive documentation to prove identity theft, including my FTC Identity Theft Report, my police report, and a notarized identity theft affidavit that XXXX XXXX requested. Despite receiving all of these documents, the company has continued to report this account as a valid charge-off and has not removed it from my credit reports. 

XXXX XXXX previously denied my claim and stated that the account was verified based on a past phone conversation, even though I never opened this account and never authorized charges on it. They have not provided any meaningful method of verification showing that I applied for or used this account. 

I am requesting assistance from the CFPB because, despite providing an FTC report, police report, and notarized identity theft affidavit, XXXX XXXX has failed to properly investigate my identity theft claim and continues to furnish inaccurate, derogatory information to the credit bureaus, which is causing ongoing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 not responsible for these accounts and demand their removal within XXXX  days, as stipulated by 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