vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a capital one credit card that I wanted to close for good. Its the capital one quick silver card I want closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
the unauthorized withdrawal of {$3300.00} from my bank account. On XX/XX/year>, I received a phone call from a number saved as Wells Fargo ( XXXX ) informing me that my debit card was being used fraudulently. I was advised that, after confirming the charges were not mine, my current debit card would be replaced with a digital card and a new physical card would be mailed to me. During the call, I was initially asked to provide a six-digit verification code in order to complete the process and activate the digital debit card. After being told that the code provided was incorrect, I was then asked to provide my PIN number. At the time, I did not realize this was part of a scam and proceeded to provide the information requested. On XX/XX/year>, at approximately XXXXXXXX XXXX., two separate transfers of {$1500.00} each were made from my savings account to my checking account without my authorization. In total, {$3300.00} was withdrawn from my account. I later spoke with a fraud manager who informed me that these transactions could only occur using the physical debit card, which remained in my possession at all times. However, scammers are capable of duplicating or cloning debit cards through other fraudulent methods. As of today, I have filed both an FTC report and a police report regarding this incident. I also have documentation confirming my location at the time the transactions occurred.

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 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and noticed that some of my personal information is being reported inaccurately. The information listed does not match my correct identifying details and may be causing confusion or inaccuracies within my credit file. I am requesting that your bureau conduct a proper investigation and either update or remove any incorrect personal information that can not be verified as accurate. This includes any inaccurate names, addresses, employers, phone numbers, or other identifying information that does not belong to me or is outdated. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy when reporting consumer information. Please review the disputed information carefully and make the necessary corrections immediately. I have attached supporting documents, if needed, to verify my correct personal information. Please send me an updated copy of my credit report once the investigation has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I moved from my apartment on XX/XX/2026. The landlady wrote down the amount I owed and said that was it. They kept my security deposit to cover any damages. Now Im receiving calls multiple times times a day from is data about fees owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: CA

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: EGL US, LLC
State: TX

Complaint narrative:
I am writing to formally dispute fraudulent activity and accounts that may have been opened or used without my authorization as a result of identity theft and data breaches involving my personal information. I recently discovered that my personal information and email address were exposed in multiple data breaches. Because of this, I believe unauthorized individuals may have gained access to my information and used it fraudulently. I am requesting an immediate investigation into any accounts, inquiries, balances, or negative items associated with my name that were not authorized by me. If any fraudulent activity is confirmed, I request that those items be removed from my credit file and that I not be held responsible for any related charges or debts. Please provide written confirmation of : - The results of your investigation - Any actions taken on my account - Removal of any fraudulent or inaccurate information I am willing to provide additional documentation, including identification and an FTC Identity Theft Report, if needed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: NJ

Complaint narrative:
I am submitting this formal second-round dispute regarding inaccurate, incomplete, and unverified information currently being reported on my TransUnion and Experian credit reports. Despite prior dispute efforts, these items remain unresolved, and in some cases, previously deleted information appears to have been reinserted without proper validation or required consumer notification. This raises serious compliance concerns under the Fair Credit Reporting Act ( FCRA ), and I am demanding a full, lawful, and documented reinvestigation of all items listed below. First, I dispute the following inaccurate addresses being reported on my credit files : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I do not recognize these addresses as part of my residential history and did not authorize their reporting. Under FCRA 609 ( a ), I am requesting full disclosure of the source of these addresses, including the furnisher, method of verification, and all documentation used to associate these addresses with my credit file. Under FCRA 611 ( a ) ( 1 ), TransUnion and Experian are required to conduct a reasonable and thorough reinvestigation of this information. If these addresses can not be verified with competent documentation, I am demanding that they be immediately and permanently deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ). Second, I dispute the following charge-off account as inaccurate, improperly reinserted, and not properly verified : XXXX XXXX ( account ending in XXXX ) with a reported balance of {$4200.00}. This account was previously deleted from my credit report, including removal across reporting agencies, yet it has now reappeared on my TransUnion and Experian credit files without any proper validation or prior written notification to me. This raises serious concerns under FCRA 611 ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information. I did not receive the required written notice of reinsertion within five ( 5 ) business days, nor have I been provided any documentation demonstrating that this account was properly re-verified prior to being reinserted.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX RE : Request for Reinvestigation To Whom It May Concern, I am formally requesting a reinvestigation into the accuracy and reporting of the following accounts currently appearing on my credit report : XXXX XXXX XXXX : {$53.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} These accounts appeared unexpectedly on my credit profile, and I do not recall receiving proper notice, billing statements, or validation regarding these alleged debts prior to reporting. I previously disputed these accounts through Experians online dispute platform ; however, the accounts were marked as verified without sufficient documentation being provided to me. Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I am requesting that Experian conduct a reasonable investigation into these accounts and provide verification of the information being reported. Specifically, I am requesting : 1. Full validation of the alleged debts 2. Documentation bearing my signature or proof of contractual responsibility 3. Verification of the original delinquency dates 4. Copies of any notices allegedly sent prior to reporting 5. Verification that these accounts were properly investigated and not solely verified through automated systems I am currently preparing for the mortgage pre-approval process, and it is important that all information being reported is complete, accurate, and legally compliant. If these accounts can not be fully validated with competent evidence, I respectfully request deletion from my credit file. Please complete your investigation within the timeframe required under federal law. Sincerely, 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 2026-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This is XXXX XXXX XXXX son of XXXX XXXX. I made a investment in XXXX with state employees credit Union in XXXX NC XXXX XXXX. And was supposed to take over the account at XXXX XXXX XXXX. 10 months ago. And they stole my account. They were two other names on the account XXXX XXXX, and XXXX XXXX. And I had my son as beneficiary of death and they took him off the account. And I can not get anyone to help me with it in this town.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
Got a notice from XXXX last weekend. My credit report got dinged for XXXX charges that have gone to collections. These charges are from XXXX allegedly. XXXX ) {$4800.00} First Federal Credit Control reported XX/XX/XXXX XXXX ) {$2100.00} First Federal Credit Control reported XX/XX/XXXX I have never received a phone call, letter, or text about this " debt. '' It just showed up on my credit report while I'm saving to buy a house. I paid off my car and $ XXXX on a credit card two days before this. I just lost XXXX points on my credit because of these criminals. I reported a dispute to all three agencies. They all say the debt is legit. I sent a Validation of Debt request to the company. Their address is below. There is no longer a business operating at the address on my credit report. I can attach XXXX photos that show undeliverable. I can't mail them anything!! First Federal Credit Control XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the collection account listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation and proper verification of this alleged debt. This account is inaccurate, incomplete, and unverifiable. I am requesting that you provide competent evidence that I have a legal obligation to pay this debt. Specifically, please provide : 1. The original signed contract bearing my signature. 2. Proof that this collection agency has the legal authority to collect on this alleged debt. 3. A complete payment history from the original creditor. 4. Documentation showing how the amount being reported was calculated. 5. Verification that this account is being reported in full compliance with the FCRA. If you can not provide the documentation requested, you are required under federal law to immediately delete this account from my credit report. Be advised that reporting unverified or inaccurate information to the credit bureaus is a violation of federal law. If this account is not properly verified and removed, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau and pursue all available legal remedies. Please complete your investigation and provide written confirmation of the results within the time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XX/XX/26 XXXX {$840.00} Dispute this debt Cease all calls, Text....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Followed a link from Marcus to open a savings account with & XXXX or more and reviewed a {$1500.00} bonus. I opened the account online following all the instructions. Funded the account within the required time frame. And now the required 90 days has passed and they refuse to honor the promotion,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I am formally disputing the reporting and handling of my auto loan account. In XXXX, I purchased a used XXXX XXXX XXXX. Shortly afterward, the vehicle was involved in an accident where I was not at fault. The at-fault driver did not have insurance, and as a result, I was left without a vehicle, transportation, replacement assistance, rental coverage, or financial compensation. At the time, I genuinely did not understand that payments would still continue on a vehicle that I no longer possessed or could use. I was suddenly placed into severe financial hardship without transportation and without the resources to recover financially. Since then, interest has continued to accumulate on the remaining balance, making the amount increasingly difficult to manage. I attempted to communicate with the lender regarding payment options, but the arrangements offered were unrealistic for my financial situation. Even now, when I contact the lender, they refuse to accept anything less than a one-time payment of over {$3000.00}. If I try to make smaller good-faith payments, such as {$100.00} at a time, those payments are not accepted as a workable arrangement. Meanwhile, interest continues to increase the balance, making it even harder for me to catch up or resolve the account. I am also concerned because the account is reportedly being reflected to the credit bureaus as though there is an active payment arrangement in place, when in reality there is no affordable or active arrangement that I am able to maintain. Additionally, the reporting creates the appearance of a repossession or voluntary surrender, which is misleading and damaging to my ability to obtain future transportation financing. This was not a situation where I abandoned responsibility for the loan. I experienced a total loss situation caused by an uninsured driver and was left without meaningful financial recovery or support. At this time, I am requesting : XXXX XXXX XXXX XXXX - Lender A full review of how this account is being reported to the credit bureaus Correction of any inaccurate reporting regarding payment arrangements or repossession status Consideration for hardship assistance, interest relief, or a realistic settlement/payment option Acceptance of reasonable good-faith payments instead of requiring an unaffordable lump sum Written clarification of the current account status and reporting I am not refusing responsibility for the debt. I am requesting fair consideration of the circumstances that led to this hardship and accurate reporting of the account history. Thank you for your time and review.

Company response to consumer: Closed with explanation