vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am formally disputing the accuracy of the following account on my credit report : Creditor/Collector : Midland Credit Management Midland has failed to provide proof of ownership of this alleged debt or any original creditor documentation as required. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ). Additionally, per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any account that can not be verified must be deleted from my credit file.

Since Midland has not validated or provided the required documentation, I am requesting the immediate deletion of this account from my credit report with XXXX XXXX XXXX XXXX 

Please complete your investigation within the time frame allowed by law and provide me with an updated copy of my credit report once the correction has been made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express Inaccurate Reporting of Credit Account I dispute the American Express account. Amex is reporting late payments and balances inconsistently across bureaus, violating FCRA 607 ( b ). Without full account verification, including original agreements, this tradeline must be deleted per 15 USC 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of negative information being reported on my student loan accounts. This letter serves as my formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) for a full investigation into the reporting of these accounts and removal of any inaccurate, unverifiable, or obsolete information.Please update to positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: DE

Complaint narrative:
I opened a XXXX XXXX account on XX/XX/year>. I totaled this vehicle with XXXX XXXX ; I had full coverage insurance along with XXXX  insurance. XXXX XXXX sued me for the remaining balance in XXXX XXXX in XXXX, XXXX. The lawyer that represented XXXX XXXX would not provide documentation as to why I was being sued. I had repeatedly called and spoke with representatives concerning this matter and never got any help. XXXX XXXX finally closed the account on XX/XX/XXXX, XXXX XXXX XXXX has not deleted the account from my credit report along with the late payments attached to 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 explanation
Consumer complaint received 2025-09-17 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: DE

Complaint narrative:
I opened a XXXX XXXX account on XX/XX/year>. I totaled this vehicle with XXXX XXXX ; I had full coverage insurance along with XXXX  insurance. XXXX XXXX sued me for the remaining balance in XXXX XXXX in XXXX, XXXX. The lawyer that represented XXXX XXXX would not provide documentation as to why I was being sued. I had repeatedly called and spoke with representatives concerning this matter and never got any help. XXXX XXXX finally closed the account on XX/XX/XXXX, XXXX XXXX XXXX has not deleted the account from my credit report along with the late payments attached to 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 explanation
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose. 
* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate. 

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * 30 days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *.

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within 4 business days and stop reporting it to third parties. 

* * 15 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures.

* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

1. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose. 
* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate. 

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * 30 days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *.

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within 4 business days and stop reporting it to third parties. 

* * 15 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures.

* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

1. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source

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 2025-09-17 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: DE

Complaint narrative:
I have disputed this inaccurate account numerous times with no results.

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 2025-09-17 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
What happened : On XX/XX/XXXX, I attempted to purchase gas at a XXXXXXXX XXXX using my SoFi debit card. The terminal placed a {$50.00} pre-authorization hold on my account. I did not pump any gas because the pump wasn't working, so no transaction was completed. Despite this, SoFi has continued to hold my {$50.00}, tying up my funds. 

Issue : SoFi acknowledges this is only a pre-authorization hold, not a posted transaction. 

XXXX has not collected any money from my account. 

I requested that SoFi release the hold, as the merchant never received any funds. 

SoFi refused, stating they do not have the ability to release pre-authorization holds. 


Why this is wrong : SoFi has the ability to reverse actual posted transactions via chargebacks. Claiming they can not release a temporary hold where no money was paid to the merchant is inconsistent and misleading. 

Multiple representatives deflected responsibility back to the merchant, but the merchant has no funds to return. Only SoFi is holding the money. 

This practice deprives me of access to my own funds for up to XX/XX/XXXX, with no valid justification. 


What I want : I am requesting that XXXX immediately release the {$50.00} hold, or provide a valid legal explanation as to why they can not do so when no purchase was made. Additionally, I ask that XXXX clarify its policy so consumers are not misled about their rights regarding pre-authorization holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Zions Debt Holdings
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Capital One Auto Account Acct. Ending in XXXX To Whom It May Concern, I am formally disputing the Capital One Auto account, account number ending in XXXX, that appears on my credit file. This account contains inaccurate, incomplete, and unverifiable information across XXXX, XXXX, and XXXX  reports. 

Specifically : The reported date of first delinquency is inconsistent across the XXXX bureaus. 
The reported balance amounts are inconsistent across the XXXX bureaus. 
Capital One has failed to provide a signed agreement or a complete payment history to verify the accuracy of the account. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) requires credit reporting agencies to assure maximum possible accuracy of information.

Section 611 ( a ) grants me the right to request reinvestigation and verification of disputed accounts.

Section 15 U.S.C. 1681a ( 5 ) ( A ) requires that unverifiable or inaccurate information be deleted from my report. 

Because Capital One has failed to provide proper verification and the information being reported is inconsistent, I am requesting that this account be removed immediately from my credit report with your bureau. 

Please conduct your reinvestigation and provide me with the results within the required 30 days, as mandated under the FCRA. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have been trying to access the money in this account from the unemployment offices and I need to pay bills and court fees. This is a run around between the Money Network automated system thats is the number in the back of the card that edd and the service is telling me to call. No resolution whats so ever and I need to withdraw this money.

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