vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
My phone was stolen on or before XX/XX/year>, and unauthorized XXXX XXXX transactions were made using my Current account ending in XXXX. I immediately locked my phone using Find My XXXX and reported the transactions to Current on XX/XX/XXXX. 

Despite my prompt action and the fact that I did not authorize or benefit from the charges, Current denied my dispute and is now refusing to reconsider unless I provide additional documentation which is not required under Regulation E ( 12 CFR 1005.2 ( m ) ).

Regulation E protects consumers from unauthorized electronic fund transfers when they report them in a timely manner and did not authorize the transfer. Current is not honoring these protections.

I am requesting the CFPB assist in having Current reverse the disputed charges and comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending to formally dispute the inaccurate and incomplete reporting on my credit report. 

XXXX XXXX XXXXXXXX balanced {$180.00} XXXX XXXXXXXX XXXX balanced {$3000.00} XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
On XX/XX/XXXX I sent Tenaglia & Hunt a FULL payment of {$2600.00} using an electronic check. The account shows a 0 ZERO dollar balance as it has been paid in FULL. On XX/XX/XXXX I got a summons showing I was being sued for the debt. I tried to call all it does is ring & ring, sent a e-mail was ignored. Tuesday I got a call not about my inquiry about the summons but to inform me that the payments department said my payment did not clear. They blame my bank said it was refused cause it was so much money so I called my bank they always allow electronic checks to go through no matter the amount & they also told me no payments matching the amount of XXXX were attempted nor were any totals close to it. I then checked my checking account info on the XXXX XXXX XXXX website just to be sure I didn't enter the wrong numbers, checking account numbers 100 % correct. Rep calls me back again so I tell him about the bank & my checking info being correct I'm then told they will repost my balance so I can resubmit payment again & i can do this after XXXX. So check at XXXX pm still {$0.00} balance can't pay with a zero balance, XXXX pm the same so thought did he mean XXXX? XXXX am the next day the same. I have made a good faith payment BEFORE i was aware of litigation and this scam company is REFUSING to process my payment! This is illegal when they can refuse partial payments it's illegal to refuse FULL payments. They just want to take me to court. I have printed what the website shows with my {$0.00} balance for my records. I should NOT be having to file this complaint. I'm self employed so sueing me will provide the same checking info provided. This is harrassment & illegal. I have paid all they need to do is accept & process the payment!

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

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX  XXXX * * Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} ; XXXX XXXX XXXX XXXX * Balance : {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-06 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I 'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
XXXX I requested that the late fees and interest CEASE and be rectified via me credit file. The data quoted is not exactly accurate. When I started the program, I was told that NO LATE FEES or interest would accrue, and that I could just work through the program to pay down my balance. Had I known they would illegally report late fees and interest, I would not have closed my account. I closed it to avoid further fees and charges. The response provides a partial credit, but fails to resolve my initial complaint as outlined in the FRCA regarding reporting late fees and interest on a closed credit account. This has ruined my credit rating and I would respectfully like this properly resolved. Barclays responded to both me and the CFPB via email, stating that they would issue a credit to my account and allow me to continue under a payment program. However, the company failed to apply any credits as promised, did not reduce the interest as indicated, and instead proceeded to charge off my account shortly afterwardwithout warning. This was a clear contradiction of their prior commitments and has resulted in substantial and unjust damage to my credit profile. This situation has not only caused financial harm but also emotional XXXX  due to the dishonesty and lack of transparency shown by the company. I respectfully request that the CFPB investigate this matter, require Barclays to correct all inaccurate credit reporting, remove any improperly assessed fees, and ensure compliance with all applicable consumer protection laws.The XXXX of Barclays, XXXX, responded to my concerns via email and acknowledged that she was not aware my account had been charged off while still under investigation. She stated that the charge-off could not be substantiated and indicated that late and other associated fees would be reviewed. While some fees were reversed, the charge-off itself and the subsequent placement of my account with a collection agency appear to be clear violations. This situation has caused significant harm to both my mental well-being and credit standing. If this matter is not fully resolved, I intend to pursue legal action.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered some inaccurate accounts listed on my credit report, and I have no clue how they got there. I routinely review my report, but this time I saw unexpected discrepancies. I even tried refreshing my browser thinking it might be a glitch, but nothing changedthe incorrect information remained. Given this, I kindly request that the documents I submitted be carefully reviewed to ensure this issue is permanently resolved.

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

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I 'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I 'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Yesterday I received a knock on my door from the XXXX XXXX sheriffs department about a debt for a XXXX XXXX XXXX, who is no relation nor has never resided in my household My name is XXXX XXXX XXXX XXXX, I dont owe this debt nor have ever heard about this debt from XXXX XXXX XXXX XXXX XXXX by way of debt collection attorney Weltman XXXX XXXX XXXX CO XXXX XXXX trying to to serve me with a civil lawsuit, I informed the sheriff that this is the wrong XXXX XXXX XXXX gave me the information to contact them but kept it as I am not the right XXXX XXXX XXXX I have no idea how they tied this person to my address as he has no relations to me or mine, the company has not responded to my voice mail, the embarrassment I suffered as a result of me an my neighbor sitting outside to be harassed about a debt thats not mine this is not the first time I have received communication or mail about this person we always write return to sender wrong address, they need to do a better job before sending sheriffs out to peoples home that have no connection to this person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-06 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: DE

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file as soon as possible. I have no knowledge of these accounts, nor did I authorize them. As provided under USC 1681g, I am requesting their removal within 15 days. Enclosed are the relevant documents for your review. It is also important to note that each bureau is reporting different and inaccurate information for these accounts.

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 2025-06-06 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, California XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX FINAL DEMAND FOR VERIFICATION OF ACCOUNT REPORTING Account # XXXXXXXX XXXX XXXX XXXX XXXX Demand for Signed Contract / Deletion of Account Under FCRA To Whom It May Concern : I am writing regarding the above-referenced account, which is being reported on my credit report by XXXX. 

This letter serves as my FINAL DEMAND that you provide me with a copy of the original contract that bears my original, signed signature, proving that I have a contractual obligation regarding this account. 

If XXXX  is unable to obtain and provide such original signed contract from the furnisher of this account ( Midland Credit Management or any other entity ), you are required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) to promptly delete this account from my credit report, as it is unverifiable and its continued reporting would constitute a violation of federal law. 

Please note : Generic billing statements, printouts, or account summaries are not sufficient. Only an original contract signed by me will satisfy this demand. 

You have 15 days from your receipt of this letter to comply with this request. Failure to do so will result in my filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and additional enforcement actions. 

Please send your response to both my mailing address and my email address provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, California XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

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

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief