vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I am filing this complaint against USAA regarding a dispute I filed for a transaction with XXXX, a company currently involved in widespread fraud affecting thousands of traders. 
USAA initially issued me a provisional credit, but after the investigation they : - Denied my dispute without providing a reasonable explanation - Did not provide the evidence used to deny my claim - Provided an inadequate investigation into a merchant now under fraud allegations- Closed my bank account shortly after the dispute outcome, which appears retaliatory Why this is a violation : Even though I received provisional credit, USAA still violated multiple federal regulations.

1. Regulation E ( if debit card transaction ) : USAA failed to : Conduct a reasonable investigation into the disputed charge Provide all documentation used to deny the claim Provide a clear written explanation of why the claim was denied Avoid taking adverse action ( account closure ) in retaliation for filing a dispute 2. Fair Credit Billing Act ( if credit card transaction ) : USAA failed to : Properly investigate the billing error Provide detailed evidence supporting their denial Provide clear reasoning in compliance with FCBA requirements Avoid punitive measures against me 3. Unfair or Deceptive Acts and Practices ( UDAAP ) : Closing my account after a dispute is unfair, harmful, and retaliatory, and violates consumer protections.

4. Potential FCRA Violations ( if reported to XXXX  ) : If USAA submitted negative information regarding this closure, it may be incorrect, retaliatory, or a violation of the Fair Credit Reporting Act.

Requested CFPB Assistance : I am requesting that the CFPB require USAA to : 1. Reopen my account 2. Remove any negative internal or XXXX  reporting 3. Provide full documentation used to deny the dispute 4. Conduct a proper reinvestigation of the merchant, who has since been exposed for fraud 5. Refund the disputed charge if a proper investigation confirms merchant misconduct 6. Provide a written explanation for the account closure and dispute mishandling Harm Suffered : USAAs actions resulted in : Loss of access to my bank account Interruption to paying bills and managing finances Emotional stress and financial disruption Potential negative reporting to XXXX  Punishment for filing a legitimate fraud dispute

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I am writing to dispute the reporting of a charged-off account on my credit report. This account [ insert account number or lender name ] was supposed to be reported as delayed or in good standing once paid. However, it is currently listed as charged-off, which I believe is inaccurate and negatively affects my credit score.

I request that this account be reviewed and corrected to reflect the accurate status, as per our agreement and payment records. Please provide written confirmation of the steps you will take to resolve this issue.

Attached are supporting documents : Proof of payment or payment plan Any correspondence confirming the reporting status Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: UT

Complaint narrative:
I didn't know I could dispute I didn't know I could seek financial help they never explained anything to me I didn't have a job they never explained anything to me I'm very confused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report. These items are inaccurate, incomplete, or have not been reported correctly. Below is a breakdown of the accounts in dispute, separated by bureau : CHARGED OFF : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} LATE PAYMENTS : XXXX XXXX  Account Number : XXXXXXXX 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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am disputing the accuracy and legitimacy of a debt that TARGET/TD claims I owe under the above account number. I received a notice of an alleged balance ; however, TARGET/TD has not provided proper debt validation or supporting documentation proving that the debt is mine, accurate, or legally collectible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$0.00} Legal Basis for My Dispute 1 . Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over 147 million individuals, is welldocumented.

As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts.

Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has refused to remove an account from my credit report that is a result of identity theft. I submitted a police report and FTC report ( # XXXX ) to them, and they initially removed the account. However, they later reinstated it. The account in question is with XXXX XXXX XXXX. I received an email stating that TransUnion obtained additional information to validate this account, which can not be true since I never applied for it. Additionally, TransUnion did not provide me with the specific information they used to validate this claim of misrepresentation.

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 2025-12-01 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:
I am submitting this letter to file an official complaint regarding improper use of my credit and fraudulent activity that has appeared on my consumer credit reports. These actions have negatively affected my credit profile, financial reputation, and overall creditworthiness.

I have recently identified accounts and/or inquiries that I did not authorize, initiate, or have any knowledge of prior to reviewing my report. These items are the result of fraudulent activity and constitute an improper use of my personal identifying information. I have attempted to resolve this matter with the credit bureaus and/or the creditor ( s ), but the issue has not been resolved appropriately or in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the following issues require investigation and correction : Unauthorized accounts and/or inquiries were added to my credit report without my consent.

My personal identifying information was used fraudulently, resulting in inaccurate and harmful reporting.

The credit bureaus and/or furnishers failed to properly investigate and correct the fraudulent information despite being notified.

This improper reporting has caused financial harm, including lowered credit scores, denied applications, and emotional distress.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information on my credit file. Any account or inquiry resulting from identity theft or fraud must be permanently removed. I am requesting that the CFPB conduct a thorough investigation into the credit bureaus and the data furnishers involved to ensure compliance with federal law and to protect my rights as a consumer.

I am requesting the following actions : A full investigation into the fraudulent accounts/inquiries.

Removal of all information that is the result of improper or unauthorized credit use.

Written confirmation that the disputed items have been permanently deleted and will not be reinserted without proper certification, as required under FCRA 611.

Enforcement of compliance measures if any party failed to follow federally mandated procedures.

Attached are copies of supporting documentation, including : My FTC Identity Theft Report I appreciate the CFPBs assistance in ensuring my consumer rights are protected and in helping resolve this matter promptly. Please contact me if any further information or documentation is needed.

Thank you for your time and attention to this matter.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My father was authorizing payments from my bank account. I realized what he was doing and contacted Citi. they permanently credited me for half the charges as they were fraudulent and then denied my other 2. They took the money out and overdrew my account. Made payments bounce. It has been over 12 business days since I filed an appeal for a dispute. i was told I would receive a provisional credit if the investigation is not done in 10. This now is Day 12 and they are violating regulation E.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
MRS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX - XXXX ET Monday-Friday XXXX ET Saturday XXXX XXXX XXXX  TO : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MRS Acct # : XXXX XX/XX/year> MRS BPO , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX Bank. We will use any information you give us to help collect the debt. 

Our information shows : You had a XXXXXXXX XXXX XXXX XXXX account from XXXX Bank with account ending in XXXX. 

As of XX/XX/year>, you owed : {$7700.00} Between XX/XX/year> and today : You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$7700.00} CONTACT INFORMATION Connect by Phone : XXXX Connect Online : XXXX : XXXX Connect by Mail : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Return Address : MRS BPO , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX How can you dispute the debt? 

Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX XXXX XXXX 

What else can you do? 

Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX XXXX XXXX 

Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 

Contact us about your payment options. 

Pngase en contacto con nosotros para solicitar una copia de este formulario en espaol. 

XXXX XXXX How do you want to respond? 

Check all that apply : I want to dispute the debt because I think : This is not my debt. 

The amount is wrong. 

Other ( please describe on reverse or attach additional information ). 

I want you to send me the name and address of the original creditor. 

I enclosed this amount : $ Make your checks payable to MRS BPO , LLC. Include the reference number XXXX. 

Mail this form to : MRS BPO , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IL XXXXRMP Services LLCXXXX XXXX XXXX  OH XXXXReference Number: XXXXOriginal Creditor: XXXX XXXX XXXXAlleged Account Number: XXXXSubject: Debt Validation Request & Cease and Desist Notice\n\nTo Whom It May Concern,\n\nI am submitting this letter in response to your correspondence dated XXXX XXXX XXXX, regarding the above-referenced alleged medical debt. This letter serves as both a formal dispute and a request for full validation of the debt under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g(b).\n\n1. Debt Validation Request (FDCPA 1692g)\n\nPlease provide all of the following:\n1. Complete itemized accounting showing how you calculated the alleged balance of XXXX, including:\n   - Original amount\n   - All fees and interest\n   - Insurance payments\n   - Adjustments or write-offs\n   - Payments or credits applied\n2. Copy of the original signed contract, billing agreement, or assignment of benefits with XXXX XXXX XXXX.\n3. Proof you have legal authority to collect this specific debt (chain of title).\n4. Copy of any judgment, if applicable.\n5. Proof that the statute of limitations has not expired for collecting this debt in Illinois.\n6. The full name and address of the original creditor if different from XXXX XXXX XXXX.\n7. Verification from XXXX XXXX XXXX  that this debt is valid, owed by me, and the amount is accurate.\n\nUntil you provide proper verification, you must cease collection efforts, including reporting or threatening to report this debt to any credit bureau, as required under FDCPA 1692g(b).\n\n2. Cease and Desist  Limited to Written Correspondence (FDCPA 1692c(c))\n\nEffective immediately, I demand that you cease all phone calls, texts, voicemails, and electronic contact regarding this alleged debt.\n\nYou may contact me ONLY in writing and ONLY for the following reasons:\n- To provide the requested validation\n- To notify me that collection efforts have been terminated\n- To inform me of specific legal action you intend to take\n\nAny other communicationsincluding third-party calls, workplace contact, or repeated attemptsare prohibited.\n\n3. No Consent to Electronic Communications\nI do not authorize email, SMS, or electronic contact. Written mail only.\n\n4. Notice of Record Keeping\nA record of this dispute and cease-and-desist request is being maintained. Any violation of my rights will be documented and may result in complaints filed with:\n\n- CFPB\n- Illinois Attorney General\n- FTC\n- Legal counsel if required\n\n\nThank you for your prompt compliance.\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On the day of XX/XX/XXXX three charges of XXXX usd and one charge of XXXX for a total of XXXX was spent from my checking account from a merchant called XXXX which was not authorized by me! I disputed it through SoFi and they denied my claim saying they found no error is this transaction. The merchant is located in XXXX  and I am located in XXXX!

Company response to consumer: Closed with monetary relief