vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CREDIT XXXX is violating my consumer rights.The collection agency has not provided me with a debt Validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), but put a collection on my consumer credit.I have been given a chance to dispute account in accordance with12 CFR 12 1006.34 ( c ) ( 4 ) ( I ) .Consumer agency is violation of my consumer rights by using false, misleading misrepresentation.Collection agency has no authority to furnish any accouts to consumer replrting agecies without providing any and all disclosures by LAW and they are in clear violation of 12 CFR 10O6.34 ( d ) 15 USC 1681-S2 ( 7 ) ( A ) .I am disputing am disputing all debts theh say I owe.I am revoking all rights of communications with me by emails, calls and chats. I am requesting a copy of debt purchase agreement between debt collector and original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
This is a new dispute. The furnisher failed to comply with verification requirements during the previous CFPB investigation. 
Their prior response did NOT provide verification of the debt under FCRA or FDCPA. They only provided a generic explanation. This does not satisfy 15 USC 1681i ( a ) or 1681s-2 ( b ).

FCO did NOT provide : The signed contract or application A full account ledger Chain of title showing legal ownership or assignment Itemized accounting of the alleged amount Proper evidence of permissible purpose Proof the original creditor ( XXXX XXXX ) transferred rights Any documentation demonstrating accuracy Stating they will send verification is NOT verification. They failed to provide actual documents. 

Continuing to report the account without proper validation violates FCRA 1681s-2 ( b ) and FDCPA 809 ( b ).

Because FCO admitted they do not own the debt, they can not legally furnish or validate it. Reporting a debt they do not own violates FCRA 623.

I am requesting : 1. Removal of this account from all credit bureaus 2. Enforcement action for failing to provide validation 3. Review of FCOs non-compliant verification practices. * *

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 2025-11-21 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: LA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : XXXX. 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 2025-11-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Dear Sir/Madam, I am filing a dispute regarding the following items on my TransUnion credit report : Charged Off Accounts : XXXX XXXX  : Account number ending in XXXX * *. 
This account shows as charged-off with a balance of {$650.00}, reported on XX/XX/year>. I believe this entry to be inaccurate or incomplete. Kindly conduct a thorough review and provide an accurate reflection of this account. 

Late Payments : XXXX XXXX XXXX : Account number ending in XXXXXXXX XXXX XXXX 
The listed late payment information is inaccurate or incomplete. Kindly review and correct any reporting errors on this account.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I looked for a place to park in XXXX, TN. Pulled into an outdoor unattended lot and scanned a XXXX code to see their rate. I pulled out and parked at XXXX XXXX indoor attended garage. I paid XXXX which was valid. The next day on my card there was a charge for {$50.00} from a XXXX Parking. Tried to find a number for them and there is none. I contacted US Bank and filed a complaint of fraudulent charge. For over a month now I have done back and forth with US Bank and sent them the form they requested plus a photo copy of my parking receipt for the same day at the other lot. US Bank will not give you a direct number to speak with a supervisor and if you miss a call back you have to call and request another call back. The last contact said the case could take up to 60 days to resolve and 2 days later it was back on my account with no explanation or contact from US 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 monetary relief
Consumer complaint received 2025-11-21 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to formally complain about the handling of a dispute I initiated with a Wells Fargo credit card related to a transaction for {$34.00} that I never received ( a meal order from a restaurant that closed early ). 

I followed Wells Fargos dispute process by submitting an online dispute and received an email from them on XXXX XXXX XXXX, 2025 requesting that I call them to provide additional information to continue the investigation. Three days later on Friday, XXXX XXXX, 2025, Wells Fargo closed my dispute as dispute declined even though I had not yet placed the call or provided the requested information. This is an insufficient amount of time to call them back. This abrupt closure was without warning and denied me the opportunity to properly resolve the issue. Further, they cite that XXXX requires specific information from the cardholder in order for the bank to file a dispute and that the requirements had not been met. I filled out a dispute form with Wells Fargo, so their form did not collect the proper information from me, and in effect was a waste of time. There is no way to contact them in writing about this complaint either, everything points you to a phone number so they can waste more of my time with their automated phone system. 

I believe this practice is unfair and inconsistent with the dispute policies of other banks that allow disputes to be resolved entirely through written communications and give customers adequate time to respond. As a longtime Wells Fargo customer, I find this treatment disrespectful and inadequate.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. My score is significantly lower ( by over XXXX points ) than the other bureaus, which indicates an error in the information being reported. 

I am specifically requesting an investigation into all accounts that may be reported incorrectly, including any items furnished by XXXX XXXX XXXX XXXX, as I suspect inaccurate data may be impacting my score. 

Please review and verify the accuracy of : Any late payments Account balances Account status updates Collection entries Any duplicate or outdated information If any information is found to be incorrect or unverifiable, please delete or correct it immediately as required by 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 2025-11-21 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: OH

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 2025-11-21 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: OH

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 explanation
Consumer complaint received 2025-11-21 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:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/year>, Balance : {$0.00} Inquiries : [ No inquiries listed for XXXX  ] Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-21 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: TX

Complaint narrative:
After reviewing my credit report, I discovered that my Experian file contains inaccurate and unverifiable negative information. A creditor is reporting multiple late payments and severe delinquencies over several years, yet the account history includes missing months of data, inconsistent entries, and periods labeled as no data, which makes the reporting unreliable. I was never provided billing statements or delinquency notices that would support the late-payment sequence being reported. In addition, several duplicate hard inquiries appear from the same lenders on the same dates, even though I did not authorize multiple separate credit applications. These duplicated pulls suggest that automated lender systems accessed my report repeatedly without obtaining proper permission. These errors have negatively affected my credit standing, and the companies involved have not provided proper documentation to justify these negative 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 2025-11-21 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: CO

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I attempted to withdraw funds from my Robinhood account this morning after closing out a successful trade yesterday. Immediately after submitting the withdrawal request, my account was restricted without warning. I received no explanation for the restriction, no notice, and no clear guidance on what is being reviewed or how long it will take. 

I recently switched banks, but my new bank account has been fully verified with Robinhood and has been used for deposits and withdrawals without any issues. There was nothing unusual about this transaction or my account activity.

This is the second time in two years that Robinhood has restricted my account without cause. The repeated pattern of freezing my account without explanation or transparency has prevented me from accessing my own money and from using the account I rely on. Customer support has not provided any meaningful information or timeline for resolution as it does not allow for the customer to reach out to Robinhood directly about this - all chats are preprogrammed and there is no option to type a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XXXX XXXX XXXX  has inaccurately reported my credit card account as XXXX  days late to TransUnion. This is incorrect and has caused a XXXX drop in my XXXX XXXX. 

TransUnion shows that between XX/XX/XXXX and XX/XX/XXXX, Credit XXXX changed the account status from Current to XXXX Days Late. 
This reporting is impossible based on my actual payment history. 

My official XXXX XXXX payment history clearly shows : XX/XX/XXXX : Payment of {$730.00} posted XX/XX/XXXX : Payment of {$3.00} posted A XXXX delinquency requires XXXX full days without ANY payment, which never occurred. 
Both payments posted well before the account could reach XXXX  days past due. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 & 611, which require accurate and verifiable reporting. XXXX XXXX is reporting inaccurate information and has failed to correct the error. 

I am requesting that the CFPB require XXXX XXXX XXXX  to : XXXX. Provide proof of an actual XXXX delinquency ( which does not exist ), OR XXXX. Immediately remove the inaccurate late payment from all credit bureaus, including TransUnion. 

I have attached screenshots from my Credit XXXX account that verify my payment dates and prove the reporting is incorrect. 

This false derogatory mark has caused significant harm to my credit and needs to be corrected.

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 2025-11-21 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief