vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management To Whom It May Concern, I am submitting this complaint regarding Midland Credit Management who failed to properly respond to my written request for validation of an alleged debt they were attempting to collect on behalf Midland Credit Management. 
On XX/XX/year>, I sent a debt validation request to Midland Credit Management within the XXXX period following their initial collection notice. I have not received any response back from this company. 

Specifically, I have not received : Proof that any of the above entities are authorized to collect this debt ; - A copy of the original signed credit agreement or contract ; - A full payment history and itemized accounting of the alleged balance ; - Documentation showing the chain of ownership from the original creditor to the current entity. Despite my request with multiple debt proper validation request, Midland Credit Management Despite I have not received proper validation or supporting documentation. 

No documentation has been provided to show that Midland Credit Management have the legal right to collect on this alleged debt. I have not received any Chain of Assignment or Legal Proof of Debt Ownership I have received no documentation confirming the legal transfer of the debt from the original creditors to Midland Credit Management. Without this, they have no standing to collect or report. I request that Midland Credit Management to immediately cease all collection activities and provide written confirmation that the matter is resolved unless and until they can fully validate the debt. 

This company has failed to validate the debt and continues to report unverifiable and false information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau intervene to : Permanently delete this account from all credit bureaus Ensure the company ceases all collection and reporting activity Midland Credit Management for noncompliance Provide written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for a new balance transfer card from citibank on XX/XX/XXXX. I was approved for XXXX dollars. Then on XX/XX/XXXX, I get two emails about my other accounts with citibank. It goes on to say that they are lowering my limit on this account by XXXX. 
In the second email is another announcement that they are lowering this one also, by XXXX. 
This email gives me a few factors as to why, but it doesn't make sense. I have had accounts with them for years and never missed any payments! Equifax was the one that they got my report from.

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 2025-10-19 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: Fuel Capital Group
State: CA

Complaint narrative:
I did not authorize this inquiry I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP

Complaint narrative:
Dear Madam/Sir, My name is XXXX XXXX XXXX I am an American citizen, but now I live in XXXX. I have my account there for more than 30 years. I am not a rich person, but I am a good customer. For more than 30 years I paid all the fee they ask me to paid and I also paid on time my credit card amounts. I am writing about the treatment I receive from US Bank. Without any warning or reason US Bank- in XXXX, Minnesota, the XXXX. froze my debit card and access to my account. I have money in my account and every months I received a deposit from SS XXXX. I did call them multiple times, sent multiple e-mails. I told them that it is the only income I have. I am XXXX XXXX XXXX woman. If any things is wrong they should tell what I need to do to resolve this problem. Finally I received email they will investigate my case for 15 days. They did not inform me what is wrong with my debit card and my account. I DO NOT HAVE ANY MONEY, EVEN FOR A FOOD and paid my rent, but they did not care. Putting me on the street they try to kill me. I feel so helpless to resolve this issue without any information from their side. Without access to my account I am not able to do anything. Please, help me to resolve this problem. Best regards, 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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CO

Complaint narrative:
Will not very account with correct amount allegedly owed.

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 2025-10-19 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this dispute to report inaccurate and/or unauthorized information being reported or handled by Resurgent Receivables LLC XXXX Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent in several disputes to remove a fraud address that doesnt belong to me,, these 3 credit bureau will not remove it,,, this is a violation of the FCRA THEY HAVE FAILED TO REMOVE THESE ADDRESSES FROM MY CREDIT FILE I HAVE SENT I. ALL THE DOCUMENTS THEY ASKED FOR .. AND WHATS REQUIRED FOR THEM TO REMOVE THESE FRAUD ADDRESSES THAT IS NOT MAIL DELIVEABLE TO ME.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX there were pending transactions in my bank statement. A few were flagged and were not processed and then I informed my financial institution of the pending transactions that I did not make. It has been a month almost and my claim has been denied and I reopened my claim since I did not make these charges. No one is giving me answers, XXXX has already confirmed this was fraud and I have been out about {$1500.00} for a month now. If this doesn't get resolved I will be filing a claim in court for much more. It should not take a month for me to obtain my funds back which were clearly fraudulent charges that were not made by me and I even told them about it. With the amount of time this has taken, bills that have been left unpaid, and a growing family my financial institution now owes me much more due to leaving myself and my family in a serious situation that clearly is and has not been treated as a priority! 

Claim Number : XXXX ; a letter was then received staying closed/denied ; claim was then appealed and a request was made to have it reopened and reevaluated and that reference number is 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 2025-10-19 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: Fuel Capital Group
State: CA

Complaint narrative:
I am filing this dispute to report inaccurate and/or unauthorized information being reported or handled by XXXX XXXX. Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I am filing this dispute to report inaccurate and/or unauthorized information being reported or handled by Discover Card. Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AK

Complaint narrative:
I sent LexisNexis a formal dispute letter on XX/XX/year>, using the USPS Mail service at the address listed on my consumer report : XXXX XXXX XXXX XXXXXXXX, GA XXXX. I formally dispute the following errors in my LexisNexis consumer file in this letter : Inaccurate Personal Information The Accuracy and Verifiability of Bankruptcy Records : Court : XXXX  XXXX Bankruptcy Filing Number : XXXX However, on XX/XX/year>, my original dispute letter was returned to me unopened and undelivered. This is unacceptable. The mailing address I used was the same one listed on my LexisNexis consumer disclosure. The returned mail raises serious concerns : either the published address is invalid, or LexisNexis is deliberately avoiding dispute correspondence. 
Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is legally obligated to accept valid consumer disputes and conduct a reasonable investigation within 30 days of receipt. By failing to even accept my properly mailed dispute, LexisNexis is in direct violation of federal law. 
This neglect has real consequencesit compromises the accuracy of my consumer file and jeopardizes my financial well-being. LexisNexiss failure to adhere to its responsibilities under the FCRA demonstrates a disturbing lack of accountability and consumer transparency. 
To support my complaint, I have attached : A copy of my original dispute letter A photo/scan of the returned envelope

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For the month of XXXX they allowed payments to post to my account seeing that my balance was low. It always happens the day before my direct deposit post. I would not be given XXXX hours to fix it. They would over draft my account then hours later post my direct deposit and take over draft fees for XXXX it totally for a XXXX week span {$170.00}. If I go back and calculate it much more. So I changed my checking account type so that if my account dont have the funds my account wont be over drafted

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 monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Mohela has continued to ignore the fact that my school has had ALL their campuses closed due to injunctions and rulings acknowledging misconduct and predatory practices that were used to not only fraudulently obtain unregulated variable rate loans, but also made promises that 99 % of graduates were employed and they'd help me get a job that paid good. None of which happened. I frantically tried to find a job, got 1 month behind in rent and had to move 500 miles to my home town making $ XXXX while XXXX XXXX still expected their near $ XXXX  monthly payment. I was driven into so many forbearances and deferments and interest-only programs, I have had over {$13000.00} of capitalized interest added over the life of all my loans. My debt-to-income ratio has never allowed me to consider owning a home singularly because of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paysend US LLC
State: FL

Complaint narrative:
Money sent remittance from PaySend to XXXX XX/XX/2025 Money never received in XXXX XXXX email and case opened with Payend Keeps stating the are working on it Ref : XXXX transaction id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
On the XXXX of XXXX, I made an XXXX purchase from my long-time Cashapp account for an XXXX XXXX  The transaction totaled {$50.00}. When the item arrived- it was not the item pictured in the listing. I immediately reported this to XXXX per their policy instruction. After 72 hours lapsed with no response from the XXXX seller, I proceeded with a Cashapp dispute. I was told by XXXX that they are not in control of any disputed payment, and that Cashapp is in control of dispersing the funds. I received the belt on XX/XX/XXXX, and made the formal dispute on XXXX the following day- the XXXX, and finally made the Cashapp dispute on the XXXX of XXXX once the timeframe for the XXXX seller to resolve the issue lapsed. As of today, XXXX XXXX I have been making weekly calls and in-app chats to request information on this dispute as XXXX has informed me that the return and dispute are both over and CashApp now has the funds. After repeated requests- I have been promised that a specialized team will reach out. After nearly a month- my in app support requests are being deferred by the same AI prompt apologizing for my inconvenience and urging me to inform Cashapp if there is anything more they can do. The withholding of my funds is a direct breech of the agreement me and Cashapp both made when I agreed to link my personal bank account and create a Cashapp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I did not authorize this inquiry on my credit report and have know knowledge of this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
I made a purchase with XXXXXXXX on XX/XX/year> for {$55.00} the order canceled it's been XXXX days sense that order cancelled and they won't release the transaction and I have a refund pin they just won't release it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-19 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: TX

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report . 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I previously disputed this account stating : " The account information is being reported inaccurately on my report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously disputed this account stating : " The account information is being reported inaccurately on my report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 2025-10-19 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: TX

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any credit applications with XXXX, XXXX XXXX XXXX, or XXXX XXXX  dated XX/XX/year>. 
I previously submitted disputes directly to the credit bureaus, but these inquiries were either verified without proof of authorization or not removed. 
I am requesting that the CFPB ensure compliance with FCRA 604 ( a ) ( 2 ) and 611 ( a ), requiring verification of permissible purpose before reporting or retaining credit inquiries.

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