vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: Autovest, L.L.C.
State: NC

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom This XXXX Concern : The subject of my complaint is the unauthorized wire transactions of XXXX XXXX via ( Fraudulent Citibank Text ) case # XXXX which opened instantly XX/XX/year> followed by all police reporting, notorized affidavit and requested steps taken at Citibank request. No monies have been FDIC insured or returned as per several Bank employees stated facts for me to not worry. I in good faith followed the steps instructed and waited beyond patiently. Several letters and emails were sent but have seemed to fall on def ears. Fraudulently happenings are fraudulent happenings and fraudulently misguiding clients all over the world regarding FDIC insurance and safety nets to intentionally gouge is in no other form but criminal and wrong. Hopefully this report doesn't fall upon Def ears and this unfortunate situation is ultimately resolved correctly. Thanking you in advance for your time attention help and patience with this case.

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 2025-06-07 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: AL

Complaint narrative:
XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Against XXXX XXXX  - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their improper handling of my credit report information and subsequent failure to resolve a disputed error in my account records-a matter that has adversely affected my financial wellbeing. 
On XX/XX/year>, This error was not only unexpected, but it also led to a significant drop in my credit score, directly impacting my recent mortgage application. I immediately contacted XXXX XXXX to dispute the inaccuracy. Over the following days, I made repeated attempts-via phone, email, and letters-to have this error corrected. Unfortunately, despite multiple follow-ups, the company has not resolved the issue. 
I believe that XXXX ' actions represent a violation of several federal consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and fair reporting of consumer information.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The repeated, unaddressed contact regarding an error that I disputed has added undue stress and could be viewed as harassment in line with FDCPA guidelines.

- Consumer Financial Protection Act ( Title X of Dodd-Frank ), 12 U.S.C. 5481 et seq.

The deceptive practices by XXXX XXXX XXXX, including their failure to promptly and clearly correct this error, amount to an unfair and abusive practice under UDAAP provisions.

Attached are copies of my correspondence with XXXX XXXX. 
I respectfully request that the CFPB investigate this matter and assist me in obtaining a fair resolution. I hope that through your intervention, XXXX  XXXX will be held accountable for ensuring compliance with all relevant federal laws protecting consumer rights. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Against XXXX XXXX  - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their improper handling of my credit report information and subsequent failure to resolve a disputed error in my account records-a matter that has adversely affected my financial wellbeing. 
On XX/XX/year>, This error was not only unexpected, but it also led to a significant drop in my credit score, directly impacting my recent mortgage application. I immediately contacted XXXX XXXX to dispute the inaccuracy. Over the following days, I made repeated attempts-via phone, email, and letters-to have this error corrected. Unfortunately, despite multiple follow-ups, the company has not resolved the issue. 
I believe that XXXX ' actions represent a violation of several federal consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and fair reporting of consumer information.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The repeated, unaddressed contact regarding an error that I disputed has added undue stress and could be viewed as harassment in line with FDCPA guidelines.

- Consumer Financial Protection Act ( Title X of Dodd-Frank ), 12 U.S.C. 5481 et seq.

The deceptive practices by XXXX XXXX XXXX, including their failure to promptly and clearly correct this error, amount to an unfair and abusive practice under UDAAP provisions.

Attached are copies of my correspondence with XXXX XXXX. 
I respectfully request that the CFPB investigate this matter and assist me in obtaining a fair resolution. I hope that through your intervention, XXXX  XXXX will be held accountable for ensuring compliance with all relevant federal laws protecting consumer rights. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management, who attempted to collect and successfully collected a debt that was incurred through financial deception by my former spouse. The original debt stemmed from a credit card used to purchase furniture, which my former spouse retained after we separated. He falsely assured me the debt had been paid and even provided fraudulent documentation. Years later, I discovered it had not been paid, and it was then collected by Midland. 

This was an instance of identity and financial abuse. I have since resolved the matter legally through a divorce settlement, which required him to repay the debt to me directly, which I in turn made payments to Midland Credit Management to resolve the account balance. However, Midland Credit Management continued reporting this item to the credit bureaus and it still appears on my credit report. 

This reporting has caused years of financial harm and is inconsistent with the actual legal resolution of the debt. I am requesting a full investigation into how this account was verified and reported, and a full deletion of this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
Someone opened a card with the company XXXX in my name and made charges of nearly {$5000.00} on the card. I reported the fraud, and XXXX refused to investigate the places the charges were made, and would not credit the account. After that, XXXX sent the debt to debt collectors, who have been attempting to collect the debt since then. I made an identity theft report since then. The report was sent to XXXX and Alliant Capital Management, but the debt is still not being credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX Account XXXXXXXX XXXX  Account XXXX XXXX XXXX both Accounts XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account. 
XXXX XXXX Account XXXX XXXX Account. 
They are not mine and do not belong to me at all. Should be removed immediately under the Fair Credit Reporting Act. 
Ive been asking Experian to remove these inaccurate accounts from my credit report. Its false, unverifiable, and violates the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) for data accuracy. Section 611 ( a ) ( 1 ) ( A ) requires investigation, and 15 USC 1692c prohibits misleading representations. They need to fix it or face legal action. Sincerely, 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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
I do not owe anything to this company. Ive never done any business with this creditor. Ive never taken anything from this creditor. Ive not signed any contract with this creditor. Ive never dived any business with these creditors. This debt is not my debt. I do not owe them anything. 
Where did you buy this debt from? 
Where the chain of custody for this debt? 
Where is the contract with this debt collector and the original credit that has my signature on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
On XX/XX/year> mailed letter to Midland Credit Mngmt advising I do not accept ownership of the debt. However, willing to compromise to clear credit. Original Creditor XXXXXXXX XXXX I offered to do a pay to delete in the amount of {$120.00}. Advised I need letter confirming the offer within 15 days. No response from original creditor nor the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is literally REFUSING to show proof of ownership Ive sent out 2 legal law letters and I have receipts both times Ive been ignored very unprofessional corporate thugs who harass and mistreat the public

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions , Inc. for reporting multiple inaccurate and unverifiable items on my credit report, and for failing to properly investigate and correct these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a formal dispute letter to Experian with a copy of my government-issued ID and proof of address. The letter outlined multiple inaccurate accounts and inquiries. As of today, no satisfactory reinvestigation has been completed, and the disputed items remain on my report. 

The following accounts do not belong to me : XXXX XXXX XXXX Acct # : XXXX Balance : {$2600.00} DEPT OF EDUCATIONXXXX Multiple accounts, Balances : {$1500.00}, {$2200.00}, {$3100.00} All inaccurately reported and never opened by me XXXX XXXX Acct # : XXXX Balance : {$220.00} I never opened this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Closed XXXX XXXX balance accounts that are not mine Additionally, Experian is reporting a bankruptcy public record ( Case # XXXX ) that I never filed. I have never declared bankruptcy. 

The following unauthorized hard inquiries appear on my Experian credit file and were not initiated or consented to by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And others not authorized Experian is also reporting numerous incorrect personal identifiers : Incorrect names such as XXXX XXXX XXXX, XXXX XXXX XXXX, and others Old and unverified addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated phone numbers not tied to my current residence I have requested that Experian verify or delete these items as required by FCRA 611 and 607 ( b ). They have failed to provide verification or remove the inaccurate information within the 30-day timeframe. 

These reporting errors are affecting my ability to obtain credit, housing, and other services. I am requesting that the CFPB intervene to ensure Experian performs a complete reinvestigation, removes all unverifiable and unauthorized information, and complies with all obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions , Inc. for reporting multiple inaccurate and unverifiable items on my credit report, and for failing to properly investigate and correct these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a formal dispute letter to Experian with a copy of my government-issued ID and proof of address. The letter outlined multiple inaccurate accounts and inquiries. As of today, no satisfactory reinvestigation has been completed, and the disputed items remain on my report. 

The following accounts do not belong to me : XXXX XXXX XXXX Acct # : XXXX Balance : {$2600.00} DEPT OF EDUCATIONXXXX Multiple accounts, Balances : {$1500.00}, {$2200.00}, {$3100.00} All inaccurately reported and never opened by me XXXX XXXX Acct # : XXXX Balance : {$220.00} I never opened this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Closed XXXX XXXX balance accounts that are not mine Additionally, Experian is reporting a bankruptcy public record ( Case # XXXX ) that I never filed. I have never declared bankruptcy. 

The following unauthorized hard inquiries appear on my Experian credit file and were not initiated or consented to by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And others not authorized Experian is also reporting numerous incorrect personal identifiers : Incorrect names such as XXXX XXXX XXXX, XXXX XXXX XXXX, and others Old and unverified addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated phone numbers not tied to my current residence I have requested that Experian verify or delete these items as required by FCRA 611 and 607 ( b ). They have failed to provide verification or remove the inaccurate information within the 30-day timeframe. 

These reporting errors are affecting my ability to obtain credit, housing, and other services. I am requesting that the CFPB intervene to ensure Experian performs a complete reinvestigation, removes all unverifiable and unauthorized information, and complies with all obligations under the FCRA.

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 2025-06-07 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: KY

Complaint narrative:
Please see attached photos, I would like to have removed due to inaccurate information on credit reports, according to the FCRA, 15 U.S.C Section 1681i. This section requires that credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. and if the information is inaccurate, it must be DELETED. 

Transunion is showing a balance for XXXX XXXX  is showing a balance for XXXX Attachment is provided and please delete within 15 days per FCRA, 15 U.S.C Section 1681i.

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 2025-06-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC
State: NY

Complaint narrative:
I enrolled in a debt relief program with Alleviate Financial Solutions on XX/XX/XXXX. I was told the program would help negotiate my unsecured debts and manage them responsibly through structured biweekly payments of {$250.00}. 

Over time, I discovered that Alleviate allowed one of my enrolled debts ( XXXX ) to fall into collections without notifying me, despite claiming they would manage communications and negotiations. I was only made aware of this issue after requesting to cancel the service in XX/XX/XXXX. 

I also discovered that the payment plan I was sold into could not realistically cover both the debt settlements and the fees Alleviate charges ( 25 % success fees, legal plan fees, and monthly admin fees ). This program structure placed me in a worse financial position than when I started. 

I submitted a formal refund request via email on XX/XX/XXXX, and followed up XXXX business days later. I received only an auto-reply and no formal response or resolution from their team. As of today, Alleviate has failed to provide a breakdown of funds, a refund, or even acknowledge my complaint. 

I am requesting a full refund of all payments made into the program due to lack of communication, failure to fulfill service obligations, and financial harm caused by the program 's structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: LA

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 15 USC 168b permissible purposes of consumer reports. 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. 



ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief