vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I called XXXX on XX/XX/year> to ask about a {$580.00} draft from my bank account despite the fact that I had turned off autopay earlier in the month. I asked why they billed me for about double my usual payment when I had turned off autopay. They said I had a missed a payment in XXXX ( when it was still on autopay ). They could not explain why it hadnt paid in XXXX despite being on autopay. They could not explain why it drafted for two payments in XXXX despite my having revoked auto pay authorization. I asked them to return the over {$580.00} they took from my bank account unauthorized as I was on medical leave and needed this for bills this month to ensure I have a place to live. They refused to return the unauthorized funds. I need them to return the funds as they were not authorized.

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 2025-11-19 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:
I am writing to formally dispute the following accounts which I believe are inaccurately reported. I request that these items be reviewed and corrected based on the information provided. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$960.00} Inquiries XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
I sold the collateral to a third party on XX/XX/year> and his bank ( XXXX ) overnighted the payoff to their overnight payoff address on XX/XX/year>. I started calling to check on the receipt of the payoff on XX/XX/year>. Each time I called I was told that they did not have the check and that once they get it, they can take up to 10 days to post it to my account. The check has my account number clearly listed on it correctly, so I questioned why it would take so long. The representatives did not seem to know much and could not give me an answer. I commented that once they get the check they should have to post it within XXXX to avoid a Regulatory AB violation. The representative said she was not a specialist and did not know about the regulations. I advised that the bank sent in XXXX more than the payoff and I asked how long it would take to release that surplus once the account closes and was told they had no way to tell me that. 

I called them on XX/XX/year> and was told on that day not to call them back and to check with the person who purchased the boat to see if the check had been cashed. We attempted to do a stop payment and reissue the check on XX/XX/year>, only to learn it had been cashed on XX/XX/year>. 

I called on XX/XX/year> and spoke to a representative. I explained that the check had been cashed and she put me on hold. She came back and confirmed they had the check and told me to give it until Friday ( XX/XX/year> ) to get it posted. I asked her why it would take multiple days to post to my account and she said she could not answer that because that was a different department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am submitting this dispute regarding the following accounts on my Experian credit report. The accounts listed below contain inaccuracies that I would like to be investigated and corrected as soon as possible. These discrepancies relate to incorrect charge-off dates, balances, and reporting of late payments : Charged-Off Accounts : XXXX Account No. XXXX, Dated XX/XX/XXXX, Balance : {$560.00} XXXX XXXX Account No. XXXX, Dated XX/XX/XXXX, Balance : {$0.00} XXXX Account No. XXXX, Dated XX/XX/XXXX, Balance : {$9100.00} XXXX XXXX Account No. XXXX, Dated XX/XX/XXXX, Balance : {$7100.00} Inquiries : XXXX : XXXX CARD, Dated XX/XX/XXXX Late Payments : XXXX Account No. XXXX XXXX Account No. 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 2025-11-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern at the CFPB, This is a formal complaint against Midland Credit Management XXXX XXXX for continuing to report and collect on an account that is documented identity theft. The original creditor ( XXXX XXXX XXXX confirmed they sold the account to Midland, and I already filed an FTC Identity Theft Report against the original creditor. However, Midland is now furnishing and attempting to collect on the same fraudulent account.

Despite the identity theft filing, Midland has NOT provided any validation, has NOT mailed any documentation, and continues to furnish this account to the credit bureaus without proof that I opened it. This is illegal under both the FCRA and FDCPA.

THE FRAUDULENT ACCOUNT MIDLAND IS REPORTING Midland Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$450.00} FTC Identity Theft Report # : XXXX Fraud Date : XX/XX/XXXX Discovered : XX/XX/XXXX I never opened this account, never authorized it, and never received any service or credit from this company. 



LAWS MIDLAND IS VIOLATING 1. FCRA 1681c-2 Identity Theft Blocking Requirement Once a consumer provides : FTC Report Government ID Proof of address The furnisher must block/remove the fraudulent account within 4 business days.

Midland ignored this requirement.

2. FDCPA 1692g Failure to Validate Debt I requested validation.

Midland has never provided : A contract A signed application A wet-ink signature An assignment from Comenity Billing statements Reporting without validation is illegal.

3. FDCPA 1692cc Attempting to collect disputed/identity theft debt It is illegal to continue reporting or collecting once identity theft has been confirmed.

4. FCRA 1681e ( b ) Maximum Possible Accuracy Midland is reporting information that is : False Fraudulent Unverified Harmful This is a reckless disregard of compliance.

5. FCRA 1681i ( a ) ( 7 ) Method of Verification I requested the method of verification.

Midland provided nothing.

DEMAND FOR IMMEDIATE ACTION I am demanding that the CFPB require Midland Credit Management to : 1.Delete and perma
nently block the fraudulent account from all credit bureaus under 1681c-2.

2.Provide full validation ONLY if they believe they can legally verify the debt, including : A wet-ink signature Chain of title Assignment from Comenity Full documentation 3.Cease all collection activity.

4.Provide the Method of Verification.

FINAL NOTICE Midland is knowingly reporting fraudulent data.

If this is not corrected immediately, I will pursue further action through : FTC State Attorney General Private right of action under FCRA 1681n & 1681o Their conduct is outrageous, unlawful, and causing ongoing harm to my credit and opportunities. 

Signed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank closed my XXXX XXXX credit card account on XX/XX/XXXX. Despite the account being closed, Synchrony has continued to report new late payment and/or derogatory marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached screenshots ). 
A closed account can not accrue new late payments because no payment is due after closure. These post-closure late/derogatory marks are factually inaccurate and violate FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements ( see CFPB consent orders against Synchrony Bank XXXX XXXX XXXX, XXXX and 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 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: NY

Complaint narrative:
There are several issues related to Experian, Equifax, and TransUnion that involve discriminatory practices. The major problem is with Experian, which keeps changing my credit information reporting date by pushing back the date to keep the collections agency information permanent to my account, which is blatant discrimination. The reporting should have been removed years ago. For example, the XXXX XXXX XXXX has no agreement with me and should not be reporting false collection reports to my account. XXXX XXXX XXXX does not have a contractual agreement with me. The account was purchased from XXXX XXXX, with which I no longer have an account. I need both collection items removed from all bureaus. XXXX XXXX XXXX is having the same issue, and I need all collection reports removed immediately. 

Multiple companies are reviewing my reports for possible credit requests, which I do not desire nor provided permission to access my account information. Experian 's credit score is lower than usual because of discriminatory practices of permitting new collection accounts with no associated proof of debt, and changing the last date of credit lapse to extend the collection/account report to my profile. Also, all companies with which I no longer have a credit relationship should be removed and not permitted to access my profile without my permission. Moreover, every phone call to the experian has been extremely hostile and unprofessional by the call centers located outside the United States of America. No person outside the jurisdiction of the USA should require or have access to my federal and state identification. My information on all three credit bureaus should be the same ; there should be no distinct differences. Furthermore, there is a student loan debt that was not paid and is now appearing as new debt with a current date that was previously changed by the credit bureaus. The account is actually over fifteen years old and should not have a date earlier than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
There are several issues related to Experian, Equifax, and TransUnion that involve discriminatory practices. The major problem is with Experian, which keeps changing my credit information reporting date by pushing back the date to keep the collections agency information permanent to my account, which is blatant discrimination. The reporting should have been removed years ago. For example, the XXXX XXXX XXXX has no agreement with me and should not be reporting false collection reports to my account. XXXX XXXX XXXX does not have a contractual agreement with me. The account was purchased from XXXX XXXX, with which I no longer have an account. I need both collection items removed from all bureaus. XXXX XXXX XXXX is having the same issue, and I need all collection reports removed immediately. 

Multiple companies are reviewing my reports for possible credit requests, which I do not desire nor provided permission to access my account information. Experian 's credit score is lower than usual because of discriminatory practices of permitting new collection accounts with no associated proof of debt, and changing the last date of credit lapse to extend the collection/account report to my profile. Also, all companies with which I no longer have a credit relationship should be removed and not permitted to access my profile without my permission. Moreover, every phone call to the experian has been extremely hostile and unprofessional by the call centers located outside the United States of America. No person outside the jurisdiction of the USA should require or have access to my federal and state identification. My information on all three credit bureaus should be the same ; there should be no distinct differences. Furthermore, there is a student loan debt that was not paid and is now appearing as new debt with a current date that was previously changed by the credit bureaus. The account is actually over fifteen years old and should not have a date earlier than 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 2025-11-19 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
There are several issues related to Experian, Equifax, and TransUnion that involve discriminatory practices. The major problem is with Experian, which keeps changing my credit information reporting date by pushing back the date to keep the collections agency information permanent to my account, which is blatant discrimination. The reporting should have been removed years ago. For example, the XXXX XXXX XXXX has no agreement with me and should not be reporting false collection reports to my account. XXXX XXXX XXXX does not have a contractual agreement with me. The account was purchased from XXXX XXXX, with which I no longer have an account. I need both collection items removed from all bureaus. XXXX XXXX XXXX is having the same issue, and I need all collection reports removed immediately. 

Multiple companies are reviewing my reports for possible credit requests, which I do not desire nor provided permission to access my account information. Experian 's credit score is lower than usual because of discriminatory practices of permitting new collection accounts with no associated proof of debt, and changing the last date of credit lapse to extend the collection/account report to my profile. Also, all companies with which I no longer have a credit relationship should be removed and not permitted to access my profile without my permission. Moreover, every phone call to the experian has been extremely hostile and unprofessional by the call centers located outside the United States of America. No person outside the jurisdiction of the USA should require or have access to my federal and state identification. My information on all three credit bureaus should be the same ; there should be no distinct differences. Furthermore, there is a student loan debt that was not paid and is now appearing as new debt with a current date that was previously changed by the credit bureaus. The account is actually over fifteen years old and should not have a date earlier than 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-19 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: DISCOVER BANK
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit repor

Company response to consumer: Closed with non-monetary relief