vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have no knowledge of these accounts, therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report CAPITAL ONE ( Bank ) XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I attempted to make a purchase from XXXX online buying a l lawnmower and it was declined.i received a text from credit card company asking if the attempt was me I said yes they said wait XXXX minutes try again. It was denied XXXX mire times. I called company spoke to a supervisor he said XXXX is high risk and flagged high risk. So he said my card works fine anywhere else.so I said if I go to XXXX and buy there he replied that should be fine. I drove XXXX minutes to XXXX and at checkout card denied I called again they said that merchant XXXX is flagged high risk. I said to her that you verified my identity and im confirming that im making this purchase she said nothing thet can do. I the way home i stopped for gas and card denied. Also couldn't understand the accent of the agents on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request to Midland Credit Management via certified mail. I asked them to provide specific documentation proving the validity of the alleged debt, including the original signed agreement, a complete payment history, and evidence of their legal right to collect. 

They failed to respond. On XX/XX/year>, I mailed a final demand letter, which was delivered on XX/XX/year>. In that letter, I informed them they had until XX/XX/year>, to respond or I would escalate the matter to regulatory agencies. 

As of today, XX/XX/year>, I have received no response from Midland Credit Management. They continue to report this debt to the credit bureaus without having validated it, which violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting that Midland Credit Management cease all collection activity and remove the tradeline from my credit report unless they can provide full and proper validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I bought a {$500.00} vanilla ( vanillagift.com ) branded prepaid visa physical giftcard on XX/XX/XXXX to use it to pay bills online. I tried to use it to pay my verizon fios bill on XX/XX/year> through verizon.com bill pay with amount {$29.00}. However it declined my card even though I had {$350.00} balance. 

To solve this I called the number ( XXXX ) on the back of the card and explained my issue. However card services representative they told me that the card doesn't require the zip code, meaning I'm not able to register it to my home address. 

I think this was mis-advertised that it can be used anywhere a visa card can be used within the XXXX. XXXX about this card : Card issuer : XXXX, XXXX. Member FDIC XXXX : XXXX Card Distributor and Servicer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding a charge-off reported by Capital One that I believe violates consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

First, I was not given sufficient notice or opportunity to resolve the alleged debt before the charge-off was reported to the credit bureaus. Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies are required to ensure the accuracy and integrity of the information they report. I believe Capital One may have failed in this obligation by reporting this account as charged off without ensuring the information was complete and verifiable.

Additionally, I did not receive adequate documentation of the debt nor validation of the amount owed. If Capital One transferred or sold this debt to a third party for collection, then under the FDCPA ( 15 U.S.C. 1692g ), I have the right to request a written validation of the debt within XXXX days of initial contact. To date, no such verification has been provided. 

Furthermore, I believe the reporting may be inaccurate or outdated. If the date of first delinquency is incorrect or the balance reported is inflated ( due to interest, fees, or other factors ), this constitutes a violation of FCRA reporting requirements.

I am requesting that Capital One provide : 1. Documentation verifying the original debt, the full payment history, and the breakdown of any amounts charged off.

2. Confirmation that the reporting complies with FCRA guidelines, including the correct date of first delinquency.

3. A full investigation into the accuracy and legality of the charge-off reporting.

I am seeking a resolution to this matter through the CFPB, as I have been unable to resolve it directly with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX XXXXays, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

The CFPBs January XXXX enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 

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 2025-07-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I did approve the following inquires, I have no relationship with any of the companies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like these accounts deleted/removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
I did approve the following inquires, I have no relationship with any of the companies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like these accounts deleted/removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
ON XXXX I ASKED FOR DELETION FOR A BANKRUPTCY XXXX AND CFPB REQUESTED MORE INFORMATION. I SENT THAT IN STATING PER XXXX XXXX IT WAS NOT VERIFIED. SOME TIME LATER I CALLED AND PERSON FROM XXXX TOLD ME HE HAD TO WAIT TO SEE IF THE " OTHERS '' WOULD DO. LONG STORY SHORT IT WAS CLOSED. ON XXXXXX/XX/year> I TRIED AGAIN AND WAS TOLD THE COMPANY SOMETIMES NEED MORE TIME AND I WOULD BE CONTACTED 60 DAYS FROM THE ABOVE DATE. THEN IT CAME BACK THEY NEED MORE TIME. HEARD NOTHING BACK. ON XXXX I WAS TOLD IT WAS PROCESSED AND IN THE MAIL. NEVER RECEIVED IT AND CFPB ENDED UP CLOSING IT. THERE ARE SO MANY PEOPLE GETTING BANKRUPTY OFF IN 3-4 DAYS AND I HAVE PROOF FROM ALMOST 3 YEARS AGO AND IT'S STILL ON. THERE ARE TOO MANY FCRA VIOLATIONS FOR THIS THAT IT'S NOT ENOUGH ROOM TO STATE THEM ALL. I AM DEMANDING THAT IT GETS PERMANENTLY DELETED ASAP OR I WILL RETAIN LEGAL REPRESENATION FOR THE BUREAS AND CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I, XXXX XXXX XXXX, Beneficiary, am disputing a Federal Family Education Loan ( FFEL ) account ( Account # XXXX ) being reported and/or collected on by or through the XXXX XXXX XXXX XXXX XXXX This account has been reported as a " charge off '' or " profit and loss, '' which, under 26 U.S. Code 6050P, indicates a cancellation of debt and discharge of obligation. 

No party has produced : A certified copy of the original wet-ink promissory note Full chain of title Evidence of ownership or a right to enforce Trust name, XXXX or securitization agreement ( if applicable ) Under FCRA 611 ( a ) ( 1 ) ( A ), UCC 3-301 , 9-210, TILA 15 U.S.C. 1641 ( f ), and FDCPA 15 U.S.C. 1692e, I requested validation and received no verifiable response. 

Continued credit reporting and collection on a XXXX and securitized account is deceptive and harmful. XXXX XXXX XXXX XXXX or its agents must cease reporting unverifiable debt, especially if the debt was canceled under 26 USC 6050P. 

This unlawful reporting has negatively affected my credit from XXXX to present. I demand full verification or deletion of this tradeline.

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

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did approve the following inquires, I have no relationship with any of the companies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like these accounts deleted/removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
b'I am writing to formally dispute certain information on my credit report, as I believe some entries are inaccurate or outdated. I kindly request that you investigate these items and make the necessary corrections.\n\nBelow are the details of the items I am disputing:\n\nInquiries:  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, especially those that I do not recognize or did not authorize.\nThe XXXX XXXX account, which is now closed, should be reflected accurately; if it is still showing as active or contains inaccurate details, please review and correct.\nThe XXXX account, as I do not recognize it or believe it should be listed on my report.\nThe XXXX  account XXXX, as I do not recognize this account or believe it is inaccurate or outdated.\nPlease conduct a thorough investigation into these disputed items and provide me with the results of your findings. If any of these items cannot be verified, I request they be deleted from my credit report.\n\nEnclosed are copies of supporting documents for your reference. Please send me a written response once the investigation is complete, along with an updated copy of my credit report reflecting the results.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I received a series of text messages notifying me that I owed money to XXXX. Ive never had services from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against AVANT LLC / XXXX  for furnishing materially inaccurate, inconsistent, and unverifiable information to the consumer reporting agenciesviolating multiple provisions under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. The tradeline in question reports under different masked account numbers across the three major bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This inconsistency alone constitutes a XXXX XXXX compliance breach under Field 2 ( Account Number ), which must be uniform and traceable across systems. 

In addition, the reported credit limit is {$300.00} while the high balance is {$340.00}, suggesting the consumer exceeded a limit that never reflected an updated or accurate valuecreating a false impression of credit overutilization. This is a violation of XXXX XXXX Field 29 and FCRA 607 ( b ) requiring maximum possible accuracy. 

Further, the Date of Last Payment is conflicting : XXXX  reports XX/XX/year>2025, while XXXX  reports XXXX2025again violating XXXX XXXX Field 45 and triggering an FCRA 607 ( b ) infraction. These inconsistencies in key data fields materially alter risk modeling and underwriting, which impacts my creditworthiness unfairly.

All three bureaus report a 30-day late payment for XX/XX/scrub> 2025, yet the account status is still shown as Pays as Agreed or Current and the past due balance is {$0.00}. Thats contradictory XXXX XXXX reporting logic under Fields 17, 18, and 26, and violates FCRA 611, which requires timely correction or deletion of unverifiable data.

Additionally, the comments include a statement such as Account previously in dispute now resolved, reported by data furnisher, which can suppress the dispute indicator without my consent and is a XXXX XXXX violation if reported improperly, especially if done before the dispute was fully resolved under the law. 

Lastly, the credit furnisher has never validated or verified the 30-day delinquency upon request, in violation of FCRA 609 ( a ) ( 1 ) and 611. The supporting billing documentation provided does not establish a full 30-day delinquency as defined by law. Therefore, this entry is legally unverified and must be removed per the Law of Exclusions.

Company response to consumer: Closed with explanation