vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
b'Date: XXXX XXXX XXXXFrom:\XXXX XXXX\nDate of Birth: XXXXSSN: XXXX\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX\nTo:\nMidland Credit Management, Inc.\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nRe: CFPB Case XXXX  | Midland Account #XXXX  | Original Creditor: XXXX XXXX XXXX Balance: XXXX\nTo Whom It May Concern,\nThis letter is in response to your submission to the Consumer Financial Protection Bureau (CFPB) regarding the above-referenced account. I am formally disputing this debt and demanding full validation pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, and the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i.\nDeficiencies in Your CFPB Response\nYou admitted you do not have the original signed contract or complete payment history.\nYou admitted your verification consists only of information provided by the seller. A data file is not proper validation under federal law.\nYou failed to provide a full chain of title proving your legal ownership of the alleged debt.\nYou stated the account has been marked Cease and Desist, but also claimed it remains due and owing, which is contradictory and misleading.\nMy Legal Demands\nProvide the following documentation for this alleged account:\nA copy of the original signed contract/agreement with Citibank, N.A.\nA full itemized accounting of how the balance of XXXX was calculated (including interest, fees, and charges).\nProof of assignment/ownership of the account from XXXX to Midland (bill of sale, assignment documents, chain of title).\nThe name and contact information of the individual you claim verified this debt.\nUntil you provide this documentation, you must:\nCease all collection activity.\nDelete this account from all credit bureaus (XXXX XXXX XXXX).\nNotice of Violations\nA bill is not validation. Courts (e.g., XXXX XXXX XXXX XXXX XXXX, Spear v. Fenkell) have ruled that mere reference to a creditors data is not meaningful verification.\nContinuing to report unverifiable information violates the FCRA (15 U.S.C. 1681i, 1681s-2) and subjects you to civil liability.\nUnder the FDCPA (15 U.S.C. 1692k), continued collection activity without validation also subjects you to statutory damages.\nRequired Action\nIf you cannot provide the documentation above within 30 days, you must:\nPermanently delete this account from all credit reporting agencies.\nCease any and all collection attempts.\nFailure to comply will result in additional complaints to the CFPB, FTC, and State Attorney General, and I will pursue all civil remedies available under law.\nThis is not a request. This is a legal demand. Govern yourselves accordingly.\nSincerely,\nRandell Reese'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CA

Complaint narrative:
On XX/XX/year>2025, I mailed a certified Debt Validation Request ( dated XXXX XXXX, 2025 ) to CRI / XXXX Department of Education regarding account number XXXX. I requested : ( 1 ) the original signed promissory note, ( 2 ) a complete payment history, ( 3 ) documentation proving CRIs legal right to collect including assignment from XXXX, and ( 4 ) the name and address of the original creditor.

CRI did not provide a proper written response. On XX/XX/scrub> 2025, I mailed a Failure to Validate/ Cease & Desist Notice. On XX/XX/year>2025, CRI replied by email instead of written mail, and only provided partial documents ( a promissory note and loan listing ). They failed to provide a full payment history or documentation of assignment/transfer from XXXX. 

CRIs actions constitute incomplete debt validation under the FDCPA. Despite this, they continued collection efforts. I am requesting CFPBs assistance to require CRI to provide full written validation and to cease collection until they comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. The information pertains to my bankruptcy filing. While the reporting of a bankruptcy is a public record, the UNITED STATES BANKRUPTCY XXXX, XXXX XXXX OF FLORIDA, XXXX DIVISION does not report any filings to the credit agencies : EXPERIAN, TRANSUNION, and XXXX. Certain details are incorrect and violate the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681. The inaccurate reporting is misleading and harms my ability to rebuild my credit. The Fair Credit Reporting Act, specifically 15 U.S.C. 1681i requires you to conduct a reasonable investigation of all disputed information and correct or delete any information found to be UNVERIFIABLE. I have attached a letter from the UNITED STATES BANKRUPTCY COURT, MIDDLE DISTRICT OF FLORIDA, XXXX XXXX, supporting my claim..

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. The information pertains to my bankruptcy filing. While the reporting of a bankruptcy is a public record, the UNITED STATES BANKRUPTCY XXXX, XXXX XXXX OF FLORIDA, XXXX DIVISION does not report any filings to the credit agencies : EXPERIAN, TRANSUNION, and XXXX. Certain details are incorrect and violate the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681. The inaccurate reporting is misleading and harms my ability to rebuild my credit. The Fair Credit Reporting Act, specifically 15 U.S.C. 1681i requires you to conduct a reasonable investigation of all disputed information and correct or delete any information found to be UNVERIFIABLE. I have attached a letter from the UNITED STATES BANKRUPTCY COURT, MIDDLE DISTRICT OF FLORIDA, XXXX XXXX, supporting my claim..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: American Financial Network Inc.
State: NM

Complaint narrative:
a mortgage company gave money to title squatters without owner title insurance on a home belonging to another family who has no contractual relationship with the ghost title holders, it appears it is fraud and this is a trend investigated now by the FBI for similar title theft of title squatters who want to make. a quick buck ( apparently either XXXX ) on a property that had no valid current mortgage to collect and a paying XXXX land contract that gives the right to the owners of record ( XXXX to XXXX by title of XXXX in nm is 10 years ) to repair the property, and pay taxes, iimprove it and collect the equity. This property ws appraised for XXXX in XXXX when sold to XXXX XXXX closing at first american title -- -- they said they can not get a " payoff '' of the discaharged loan of XXXX since ws stale dated, so the property was " rfree and clear '' and failed to close due to interference of this title squatters who do not have owner XXXX title insurance to prove they paid XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX and his estate and to XXXX XXXX XXXX and her children. Please send to FBI to investigate as they are investigating this trend of equity stealing by title squatters.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
This company has locked up my funds for over a week due to security verification. I completed all of their requested security verifications to verify my identiy and my account.

I have requested on 5 different occasions, via email, via chat, via phone number to resolve my issue and unlock my funds. Everytime they have failed to solve my issue. They consistently tell me they are escalating the issue and the process is never-ending. 

These are my funds, and I have followed all of their requested steps and provided well enough ample information and time for them to support my requests and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation. E hilar hese actions have caused significant inconvenience and financial loss,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXFromXXXX XXXXDate of Birth: XXXXSSN: XXXX XXXX XXXX XXXX XXXXTo:\nEquifax Information Services LLC\XXXX XXXX XXXX XXXX XXXXRe: Formal Dispute of Auto Loan Account XXXXTo Whom It May Concern,\nI am formally disputing the accuracy of the following account being reported on my Equifax file:\nAccount #XXXX   Balance XXXX  High Balance XXXX  Closed/Repossessed\nReasons for Dispute:\nEquifax reports the Date Reported as XXXX two years later than XXXX  XXXX) and XXXX  (3/31/2021). This appears to be re-aging of the debt, which is an FCRA violation.\nEquifax reports the Creditor Type as Auto Financing, while the other bureaus list personal loan/savings & loan. This is inconsistent and inaccurate.\nCreditor Remarks are different: Equifax shows Redeemed repossession / Closed or paid account, while other bureaus show conflicting terms.\nThe account reflects paid/closed status, yet late payment notations remain. Reporting a $0 balance as derogatory is misleading and inaccurate.\nUnder the Fair Credit Reporting Act (15 U.S.C. 1681i), Equifax must ensure data is accurate and complete. Since the inconsistencies cannot be reconciled, I demand immediate deletion of this account from my Equifax file.\nThis is not a request  this is a legal demand. Govern yourselves accordingly.\nSincerelyXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
Company : Cash App ( Block, Inc. )/ XXXX XXXX  ( issuer of Cash App Visa Debit ) Reference : Unauthorized retention of funds Authorization Hold Not Released Summary of Complaint On XX/XX/year>, XXXX placed a temporary authorization hold of {$66.00} on my Cash App XXXX XXXX XXXX ending in XXXX. Later that same day, XXXX cancelled the order due to lack of delivery staff and released the funds immediately. 

On XX/XX/year>, a separate final charge of {$3.00} correctly posted to my account, proving that XXXX never captured the {$66.00}. 

Despite this, Cash App continues to display the {$66.00} as a pending hold and refuses to release the funds. I have contacted both XXXX and Cash App : XXXX confirms the funds were released and never captured. 
Cash App refuses to escalate to their issuing bank, instructing me only to wait 10 days, and has since closed my support case without resolution. 

Basis of Complaint This is not a pending transaction it is a cancelled authorization hold.

Under Regulation E ( 12 CFR Part 1005 ), electronic fund transfer errors must be corrected promptly.

Under Visas operating rules, issuers must release cancelled authorizations immediately. 

Cash Apps failure to release these funds is a violation of both regulatory and card-network requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of late payment account on my credit report which are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities.

I am also aware that In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing.

I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o.

I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-25 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Fraudulent Hard Inquiries : ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent Hard Inquiries : ( Equifax ) XXXX XXXX XXXX XXXX XX/XX/year> These inquiries were not authorized by me and must be permanently deleted.

3. Address Corrections Please remove all prior addresses and ensure my address appears ONLY as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Legal Basis for My Demand 15 USC 1681e ( b ) : You must maintain reasonable procedures to assure maximum accuracy.

15 USC 168li ( 5 ) ( A ) : When information is found to be inaccurate, unverifiable, or fraudulent, you are required to delete or correct it promptly.

15 USC 1666b : Unauthorized billing/inquiries must not be reported against me. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX inaccurate late payments must be deleted. 
I do not authorize XXXX to report this account. I demand it be permanently removed from my Equifax, Experian, and TransUnion 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 explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
Company : XXXX, XXXX. 
Product : Personal Loan / Installment Loan Issue : Incorrect information on credit report / debt for services never received Complaint Narrative I am disputing an account with XXXX, XXXX ( Account ID : XXXX ). This account is being reported as a charge-off for {$6800.00}. 

This is inaccurate and invalid because : The debt stems from a subscription with BNBUniversity that I canceled due to health and financial hardship before any services were rendered. 

Despite cancellation, I never received any services. 

I contacted both XXXX and XXXX numerous times by email ( copies attached ). My cancellation request was ignored, and XXXX never provided a response with proof of a valid debt. 

I also sent XXXX multiple written dispute letters requesting validation. XXXX failed to provide any supporting documentation but still reported the account as a charge-off. 
Reporting a debt without validation is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ).

This inaccurate charge-off is severely damaging my credit report and financial well-being. 

XXXX XXXX XXXX deletion of this account from my credit reports with Experian, Equifax, and TransUnion. 

Written confirmation from XXXX that this invalid debt has been 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 explanation