vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My Robinhood account was closed without clear reason. Im owed funds, but I cant access my account to see how much, and support refuses to tell me. The account was tied to their debit card, so I have no idea where theyre sending the refund. Ive requested a final statement and refund status but have not received help. Im afraid Ill lose my money entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
XXXX XXXX charged off my debt, transferred it to XXXX, and no longer owns the account. They report a {$0.00} balance but still list it as a charge-off. I have never received a XXXX, and there is no collection effort from either party. This is misleading, causes credit harm, and lacks legal clarity. I request that XXXX XXXX delete the tradeline or accurately update it to reflect no continuing obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Formal Complaint Against XXXX  and Midland Credit Management FDCPA and FCRA Violations Dear CFPB, I am filing this complaint regarding a collection account reported by Midland Credit Management ( MCM ), account number ending in XXXX, which appears on my Experian credit report. This debt is allegedly owed to XXXXXXXX XXXX XXXX XXXX and shows a balance of {$750.00} as of XX/XX/XXXX. 
Despite my prior dispute to XXXX, this account remains on file with no proper validation, no documentation from the original creditor, and no explanation of how this debt was verified. The account status was merely updated by XXXX with the vague statement, " Meets requirements of the Fair Credit Reporting Act. '' This is not a valid resolution. 
Issues and Violations : MCM has not provided any written proof of the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), which requires validation upon request. 
XXXX  failed to properly reinvestigate the dispute, violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ). 
Continued reporting of a disputed debt without proper validation violates 15 U.S.C. 1681s-2 ( b ). 
Supporting Facts : Account opened XX/XX/XXXX No payment history, no breakdown of charges, no statement from XXXX XXXX XXXX XXXX XXXX static at {$750.00}, with no updates or consumer communication from MCM Requested Resolution : 1. Order Midland Credit Management to cease and desist all collection activity and reporting related to this account unless full debt validation is produced.

2. Order XXXX  to delete this tradeline from my consumer report for failure to properly verify and validate under FCRA.

3. Ensure this complaint is reviewed for enforcement action if the companies remain noncompliant. 

Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccuracies found on credit file I believe are in violation of the FCRA. When looking ove my credit file provided by your agency, I seen erroneous entries dealing with my payment history and reported missed payments that I assert are inaccurate. Under FCRA, I am entitled to disute any incomplete or inaccurate informationin my credit file, I request a thorough investigation. 
Metro 2 Code 2 Under Field 17B 611 ( a ) ( 1 ) ( A ) Failure to investigate Experian is obligated thoroughly but have failed to address this error properply. ( XX/XX/scrub>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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been working with Wells Fargo to do a modification on the loan on the home they hold a mortgage on. The original mortgage was in my mother XXXX XXXX name. My mother passed away and she left the property to me in her will. Im also on the deed as a joint tenancy. The mortgage fell behind and I have been working with Wells Fargo for almost 2 years trying to get the modification. I have submitted to them everything they asked and made payments monthly as they requested. They recently kicked me out the program saying I didn't submit a document they never asked me for and filed foreclosure complaint

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB/XXXX XXXX XXXX  {$6700.00} XX/XX/year> Charged off. Incorrect information

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 2025-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/XXXX I got a digital letter telling me that my XXXX store card was getting decreased and limit from XXXX to XXXX. XXXX dollars above my balance. Their reasonings were that I didnt have a mortgage. ( I do Ive included screenshots. ) that I have XXXX little available credit ( I have 48 % credit usage at the moment : and they screwed me on that because they only gave me XXXX dollars above my balance so what does that due to available credit? ) and that I have recent delinquencies I have not been delinquent. Ive already told synchrony numerous times that I was having issue with identity theft, and everything was getting resolved!! They wont respond to emails or any form of contact! They sent an acknowledgment email XX/XX/XXXX saying they would get back to me about a previous issue and never did

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 2025-05-25 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:
Re : Formal Request for Removal of Negative Payment History Due to Hurricane-Related Hardship Account Number : XXXX Creditor : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX To Whom It May Concern, This is a formal request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( a ), 611, and 623, for the deletion or correction of derogatory payment entries associated with the above-referenced account. The missed or late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX occurred during a period of significant personal hardship caused by the hurricane that struck XXXX  in XXXX. 

As a resident of XXXX XXXX, XXXX, I was directly impacted by this federally declared natural disaster. The hurricane caused severe property damage, loss of access to transportation and essential services, and financial instability, all of which prevented me from making timely payments. 

In accordance with CFPB guidance on credit reporting during natural disasters, I request : Removal or update of all negative payment history for the dates listed above ; That the entries be changed to " Paid as agreed '' or No data for those months ; A full reinvestigation of the account per FCRA 611 ; Written confirmation of any updates or deletions within 30 days. 

Creditors and furnishers are required to report data with maximum accuracy, and when payments were missed due to events beyond the consumers control such as natural disasters the law and federal guidance support fair consideration and correction of affected data. 

I have enclosed [ insert if available : FEMA claim/number, insurance claim, or any supporting documents ], as well as a highlighted copy of my credit report showing the disputed entries. 

Please consider this a good-faith request for compliance and compassion. If the matter is not resolved within the time required by law, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX Attachments : Government-issued ID Proof of current address

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 2025-05-25 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: TX

Complaint narrative:
Re : Formal Request for Removal of Negative Payment History Due to Hurricane-Related Hardship Account Number : XXXX Creditor : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX To Whom It May Concern, This is a formal request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( a ), 611, and 623, for the deletion or correction of derogatory payment entries associated with the above-referenced account. The missed or late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX occurred during a period of significant personal hardship caused by the hurricane that struck XXXX  in XXXX. 

As a resident of XXXX XXXX, XXXX, I was directly impacted by this federally declared natural disaster. The hurricane caused severe property damage, loss of access to transportation and essential services, and financial instability, all of which prevented me from making timely payments. 

In accordance with CFPB guidance on credit reporting during natural disasters, I request : Removal or update of all negative payment history for the dates listed above ; That the entries be changed to " Paid as agreed '' or No data for those months ; A full reinvestigation of the account per FCRA 611 ; Written confirmation of any updates or deletions within 30 days. 

Creditors and furnishers are required to report data with maximum accuracy, and when payments were missed due to events beyond the consumers control such as natural disasters the law and federal guidance support fair consideration and correction of affected data. 

I have enclosed [ insert if available : FEMA claim/number, insurance claim, or any supporting documents ], as well as a highlighted copy of my credit report showing the disputed entries. 

Please consider this a good-faith request for compliance and compassion. If the matter is not resolved within the time required by law, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX Attachments : Government-issued ID Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I am writing to formally dispute the improper use and reporting of my credit information by Equifax, TransUnion, and Experian. These credit reporting agencies have violated Section 605 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ), which limits the inclusion of outdated negative information on consumer reports. Specifically, information that is obsolete, inaccurate, or beyond the legally permitted reporting periodsuch as accounts over XXXX years old or bankruptcies older than XXXX yearsshould not appear on my credit report. The continued inclusion of such information constitutes a misuse of my credit report and a violation of my consumer rights under federal law. I request immediate investigation and removal of any non-compliant data from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Date : XX/XX/XXXX LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Debt Validation Request under FDCPA Accounts in Dispute : - Account opened XX/XX/XXXX, Balance : {$120.00} - Account opened XX/XX/XXXX, Balance : {$420.00} Dear LVNV Funding LLC, I am writing to formally dispute the validity of two collection accounts reported by your company on my credit report. I have no knowledge of these debts and do not acknowledge any responsibility for them.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation and verification of these alleged debts. Please furnish the following documentation for each account : 1. Proof that I am legally obligated to pay these debts.

2. A copy of the original signed agreement or contract with the original creditor.

3. An itemized statement of each alleged debt, including dates and amounts.

4. Proof of your authorization to collect debts in my state.

5. The complete chain of assignment from the original creditor to your agency.

Until these debts are properly validated, I request that all collection activities cease and that both accounts be removed from my credit report. If you have already reported these debts to any credit reporting agency, you must inform them that the accounts are in dispute and request their removal.

If you fail to provide the requested validation within 30 days of receipt of this letter, you are required by law to delete these items from all consumer credit reporting agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I have no knowledge of this account and dont have any contract with the collection or collection never contacted me over the phone or email before. This account Wakefield & Associates on XXXX  credit report is incorrect and I demand this account should be removed immediately for violating reporting correct information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: AZ

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion requesting the immediate deletion or blocking of multiple negative accounts currently appearing on my credit reports. These accounts include charge-offs, collections, closed accounts with inaccurate utilization, and authorized user/joint accounts for which I am not legally or contractually responsible. 

In each letter, I outlined multiple problems including : Inaccurate reporting of closed or paid accounts still showing as delinquent or past due Failure to remove authorized user and co-maker accounts where I have no control or payment responsibility Continued reporting of accounts with late payments, charge-offs, or high utilization despite no supporting documentation Failure to provide Method of Verification for accounts marked as " verified '' I explicitly invoked my rights under the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 1 ) to request a reinvestigation 611 ( a ) ( 5 ) requiring deletion of any item not verified 611 ( a ) ( 7 ) demanding the Method of Verification for any verified item 623 ( a ) ( 1 ) prohibiting the reporting of inaccurate or unverifiable information In the case of collection items, also FDCPA 809 requiring debt validation Despite this, many of the disputed items were marked verified without : Providing me with the name of the verifying party Disclosing how the verification was conducted Producing any original signed contract or application In some cases, the accounts remain unchanged even after multiple disputes a clear violation of federal law. These inaccuracies are causing substantial damage to my credit score, affecting my ability to secure housing, lower-interest financing, and business opportunities.

I am requesting that the CFPB investigate all three bureaus, and compel them to : Delete or block any negative account that can not be legally verified Provide documentation showing how verification was performed Remove all authorized user and joint accounts where I am not financially responsible Ensure full compliance with the FCRA within the required timeframe I have attached my original dispute letters, credit reports, and evidence of the unresolved accounts for review. Thank you for assisting in restoring the accuracy and legality of my credit report.

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 2025-05-25 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:
The account was charged off in XXXX, but it continues to be updated with late payments and balance activity through XXXX. XXXX reported the account as closed on XX/XX/XXXX, and then again on XX/XX/XXXX, XXXX is inconsistent and misleading. 

I am disputing inaccurate and misleading credit reporting related to my former auto loan account with XXXX XXXX XXXX. The account was charged off in early XXXX following my last payment on XX/XX/XXXX. However, XXXX has continued to report new derogatory information and conflicting status updates nearly XXXX years after the charge-off. 

Specifically : XXXX. XXXX originally reported the account as closed on XX/XX/XXXX. 
XXXX. They then updated the account again as closed on XX/XX/XXXX. 
This discrepancy is inaccurate and may represent re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 
XXXX. They continue to report monthly late payments and a balance of {$48000.00} through XXXX despite the charge-off occurring in XXXX. 
This creates the false appearance of an active account, which is both misleading and damaging. 
XXXX. The account shows a 98 % remaining balance without reflecting a write-off, transfer, or collection status. 
XXXX. This inaccurate reporting is negatively affecting my credit score and misrepresents the true status of this debt. 

I have attempted to dispute the issue with the credit bureaus, but XXXX continues updating the account with this incorrect information. Im requesting a full investigation and correction.

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