vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: IL

Complaint narrative:
I filed a dispute with Dave Bank on XX/XX/year> for three separate transactions with a company called XXXX, totaling {$1500.00} ( {$1400.00}, {$75.00}, and {$20.00} ). 
On XX/XX/year>, I received a final credit for the {$20.00} dispute. However, the other two disputes ( {$1400.00} and {$75.00} ) remained in pending status with no resolution. 
On Monday, XX/XX/year> the 10th business day since filing I contacted Daves dispute team twice. Both representatives confirmed that I would receive a provisional credit before the end of business day, as required under Regulation E ( 12 CFR 1005.11 ). During my second call at XXXX XXXX CST, I was explicitly told that I would receive an update before XXXXXXXX XXXX PST. 
As of XXXX XXXX  CST on XX/XX/year>, I still had no provisional credit, no final resolution, and no written notice of delay.

Under Regulation E, Dave was required to either : Complete the investigation within 10 business days, or Provide a provisional credit for the amounts in question.

Their failure to do either by the end of the 10th business day even using their own internal time standard of XXXX XXXX PST constitutes a clear violation of federal law and a breach of their own internal policies. 
Additionally, I have written confirmation from XXXX, the merchant, stating that they are required to return all disputed funds and added charges in cases of verified bank disputes.

I am requesting : Immediate issuance of the provisional credit for the remaining {$1400.00}, A written explanation of the delay, and Full compliance with Regulation E going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Complaint Against : Midland Credit Management # XXXX My Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX What is your complaint about? 
Midland Credit Management is trying to collect on a debt that was already taken to court by XXXX XXXX XXXX years ago. I was sued and XXXX won the case by default because I was not able to go to court. Since XXXX already obtained a judgment for the same XXXX debt, I do not understand how Midland is now attempting to collect on what appears to be the same account. 

I never received any documentation from Midland showing that they own this debt, and they have not provided me with any proper validation. This feels like an attempt to collect twice on the same account, which is not only confusing but possibly illegal. 

I believe this may be : A false or misleading representation under the FDCPA, 15 U.S.C. 1692e, An unfair collection attempt under 15 U.S.C. 1692f, A failure to provide required debt validation under 15 U.S.C. 1692g ( b ), And possibly a violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), if Midland is reporting this to the credit bureaus inaccurately. 

I am asking the CFPB to help me by requiring Midland to : Prove that they have the legal right to collect on this debt including a full chain of title and documentation from the original creditor ( XXXX ), Stop all collection activity until they can fully validate this debt, Remove any credit reporting from my credit reports if they can not verify their right to collect. 

I also request that the CFPB investigate this situation, as I feel this is not fair or lawful. 

Thank you. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX  High Balance : {$5400.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years XXXX High Balance : {$2100.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years XXXX XXXX XXXX High Balance : {$2800.00} Account Number : XXXX Date : XX/XX/year> Duration : XXXX  years

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 2025-07-29 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: GA

Complaint narrative:
This letter is in response to the correspondence I recently received from Discover Card regarding the account listed under my name. I appreciate your communication ; however, to properly address the matter and ensure that all information being reported is accurate, I am requesting full and verifiable documentation associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AR

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, XXXX XXXX sections XXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-29 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: GA

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 confidentially under 15 USC 1681. 

Convergent Account # XXXX has violated my rights XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A States I have my rights of privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing of the following items of information. Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-07-29 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing to request a XXXX XXXX on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This XXXX  is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Subject : Repeated Failure to Remove Unauthorized Inquiries and Correct Inaccurate Personal Information I am filing this complaint against Experian, Equifax, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with multiple unresolved disputes I have submitted. This is now the second consecutive month I have tried to resolve these issues, yet the credit bureaus have continued to report inaccurate, unverifiable, and unauthorized information on my credit reports. 

Despite formal dispute submissions, the bureaus have failed to take corrective action and have instead returned generic verified responseswithout providing the required method of verification as mandated under 15 U.S.C. 1681i ( a ) ( 7 ). This lack of transparency and failure to reinvestigate constitutes a violation of : 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification 15 U.S.C. 1681e ( b ) Failure to maintain procedures ensuring maximum possible accuracy Items Still Disputed and Unresolved : Unauthorized Hard 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 Incorrect Personal Information : Address : XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX Violations by the Bureaus : The credit bureaus have failed to provide : The specific method of verification used for each disputed inquiry and address The names, titles, and contact information of the data furnishers Any supporting documentation used to verify the disputed information This conduct is a direct violation of my rights under the FCRA, and it continues to cause harm to my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am aware of my rights under the FCRA And I expect this dispute to be handled accordingly. 
XXXX XXXX {$8500.00} The reporting for this account is all over the place. * XXXX XXXX reports acct number as XXXX, the other reports XXXX and the last Bureau report account number as XXXX which account number is accurate? Also the name of the furnished is XXXX from two bureaus and mfc for the other one which one is it? One Bureau reports paid off the other reports 0 balance the last reports balance owed as {$8500.00} which one is it? I am guaranteed complete and accurate reporting and I've disputed this time and time again to no avail. Each bureau report a different date. XXXX different remarks. Acct paid off account-voluntary repossession- account paid and closed. Complete and accurate reporting is what I am guaranteed per the fcra. Account showing paid in full but a different account showing a balance of XXXX. This is aging the account and it's illegal to do that. There is a statute of limitations and you are aging this account manipulating and dragging down my score and diminishing my credit worthiness monthly. This account is a voluntary repossession that's reporting monthly. This account is a charge off and violating metro2 and fcra guidelines. A voluntary repossession is a one time event not a recurring monthly update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am aware of my rights under the FCRA And I expect this dispute to be handled accordingly. 
XXXX XXXX {$8500.00} The reporting for this account is all over the place. * XXXX XXXX reports acct number as XXXX, the other reports XXXX and the last Bureau report account number as XXXX which account number is accurate? Also the name of the furnished is XXXX from two bureaus and mfc for the other one which one is it? One Bureau reports paid off the other reports 0 balance the last reports balance owed as {$8500.00} which one is it? I am guaranteed complete and accurate reporting and I've disputed this time and time again to no avail. Each bureau report a different date. XXXX different remarks. Acct paid off account-voluntary repossession- account paid and closed. Complete and accurate reporting is what I am guaranteed per the fcra. Account showing paid in full but a different account showing a balance of XXXX. This is aging the account and it's illegal to do that. There is a statute of limitations and you are aging this account manipulating and dragging down my score and diminishing my credit worthiness monthly. This account is a voluntary repossession that's reporting monthly. This account is a charge off and violating metro2 and fcra guidelines. A voluntary repossession is a one time event not a recurring monthly update.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a vehicle loan through XXXX XXXX. The loan was paid off and I have a refund coming to me. I received an email stating my refund would come in the form of virtual credit card, which is fine, except that there is a {$4.00} a month charge to use this card. I think it's insane that I should have to pay a fee for money that is owed to me, WITH the money that is owed to me. I realize it is not a lot of money, but it is the principal of the matter. They've already made a ridiculous amount of money off of the interest rate I've paid over the past XXXX and a half years, and this just seems like a way to make more money. I mean, honestly, if hundreds of people are paying them a fee to receive their refunds, they're still making money off of people with paid loans.

Company response to consumer: Closed with explanation