vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late payment accounts on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX Balance : {$37000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$60.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and lates XX/XX/XXXX 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 90 days XX/XX/XXXX and XX/XX/XXXX XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, and 90 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and 60 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, and 90 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and 60 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear Midland MCM ; XXXX XXXX cfpb : I am submitting this complaint to dispute the accuracy, validity, and legality of a debt being reported and collected by Midland Credit Management , XXXX ( MCM ), allegedly originating from XXXX XXXX  XXXX XXXX , with an approximate balance of {$2800.00}. I have no verified contractual relationship with Midland, and to date, I have not received the required documentation establishing that the debt is valid, accurate, or legally enforceable.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection until the debt has been fully validated and the consumer has been provided written verification. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), both the original creditor and any furnisher of information must ensure that data reported to credit bureaus is accurate, complete, and verifiable. Midland and XXXX have failed to meet these obligations. 

I have submitted multiple written requests to both parties demanding validation and documentation, including : The original XXXXXXXX XXXX XXXX XXXXXXXX account agreement and signed contract establishing the alleged obligation ; A complete, itemized statement of account activity, showing how the alleged balance was calculated ; A chain of title or assignment agreement confirming the lawful transfer of ownership from XXXX  to Midland ; Copies of the notice of assignment, validation notice, and any notice of default sent before collection activity began ; Proof that the debt is within the applicable statute of limitations ; and Any prior dispute or investigation results under FCRA 1681i.

To date, I have received only generic correspondence from Midland Credit Management that does not constitute lawful debt validation. The responses failed to include the contract, chain of title, or any accounting history verifying the claimed balance. Despite the lack of substantiation, Midland continues to report the account as valid and to pursue collection, in violation of FDCPA 1692g ( b ) and FCRA 1681e ( b ), 1681s-2 ( b ).

Federal courts have consistently held that unverifiable or incomplete credit data can not lawfully remain on a consumers credit report. See Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) ; Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ). These rulings confirm that reporting unverifiable information or continuing collection without proof of ownership and validity violates federal law.

The ongoing reporting and collection of this disputed and unverified debt has caused material harm to my creditworthiness, resulting in denial of credit opportunities and reputational damage. MCMs actions represent a pattern of willful disregard for consumer protection statutes and fair reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00}

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 2025-11-07 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: AR

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX   Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX   Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-11-07 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: CA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-07 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: TX

Complaint narrative:
XXXXI am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Incident Description : impersonation of a friend, fake sale for XXXX uncle. Known names involved in the fraud are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Known phone numbers used were XXXX, XXXX On XX/XX/XXXX My friend XXXX XXXX XXXX Account was hacked. I thought I was responding to her but it was 3 individuals who were fraudulently representing themselves as her and her family. They said they were selling a car from her uncles estate along with many items. I sent $ XXXX XXXX to XXXX XXXX who represented himself as my friends uncles wife. I also sent {$500.00}. Thru PayPal to XXXX XXXX who represented himself as my friends sick uncle. These were sent as a refundable deposit on a XXXX XXXX they said they were selling. On XX/XX/XXXX I received a notice from my friends that her account had been hacked. 

On XX/XX/XXXX I attempted to resolve this at PayPal and they told me to contact my back. I met with XXXX who told me to resolve it with PayPal. 
I called and spoke with a fraud specialist at XXXX who took my information. They told me that if they were able to recover the funds they would reimburse me but otherwise there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I book a room from XXXX on XXXX by using my Bank of America Credit card. I cancel my trip because of irresistible force and ask for refund. However, hotel wont refund my money. I ask for dispute transaction on Bank of American, but after review my case, Bank still say it is my fault and take the money back on October. 
I contact hotel so many times and they refuse to talk with me and it is unfair to customer because I already cancel my trip many days before my reservation day.

It is totally unacceptable to a single mom who is taking care of two little kids.

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 2025-11-07 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: AZ

Complaint narrative:
I am submitting to formally request correction and update of inaccurate late payment information that is currently being reported on my Equifax, TransUnion and Experian credit report for the account listed as XXXX, account number ending in XXXXXXXXXXXX XXXX XXXX XXXX XXXX Most importantly, the file shows a XXXX late payment reported for XX/XX/year>, which does not accurately reflect my payment history for 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 2025-11-07 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late open account on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} UNAUTHORIZED INQUIRIES : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXXXX/XX/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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am a 100 % XXXX Veteran. I have online Bank XXXX. There is a language barrier with their customer service. I called customer service to stop about 7 Subscription charges. And the next thing I knew in broken XXXX  and heavy accent and speaking fast and person was far from phone and he said okay 18 disputes, but he could of said 180 disputes. 
He it so arrogantly and some comment about XXXX American. The customer service is in the XXXX they speak XXXX but they can't interpret your meaning, I had a direct deposit sent to XXXX XXXX  of XXXX dollars, from the VA in XXXX, I needed for food to eat. Now I have no money and am starving Many charges on my account were in error. Yesterday, I checked my account and it said restricted, I called XXXX XXXX and they said my account was permanently closed and whatever money is left they would send me a chain the mail.. 
I am beyond upset. XXXX XXXX  has bad cu

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
XXXX XXXX XXXX is reporting or attempting to collect an XXXX XXXX XXXX debt that I do not recognize. I contacted the company and requested validation of the debt and proof that they had a permissible purpose under FCRA Section 604 to access or report my credit information. 

They did not provide any documents or proof that this account belongs to me. The account is still appearing on my credit report and is causing harm. I am asking for this unverified account and any related inquiries to be removed and for all collection activity to stop unless proper validation is provided.

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 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting or attempting to collect an XXXX XXXX XXXX debt that I do not recognize. I contacted the company and requested validation of the debt and proof that they had a permissible purpose under FCRA Section 604 to access or report my credit information. 

They did not provide any documents or proof that this account belongs to me. The account is still appearing on my credit report and is causing harm. I am asking for this unverified account and any related inquiries to be removed and for all collection activity to stop unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 would like these accounts to be remove from my credit report so my credit report can update accurately. 


ACCOUNTS XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$73000.00} I am writing to have the following information remove from my credit report. the items that I need deleted are going to be attached in the word document. I am a victim of identity theft and data breach. 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my 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