vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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The personal information on my credit report were outdated.

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 2025-08-26 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: Experian Information Solutions Inc.
State: LA

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Account # XXXX ( Original Creditor : XXXX XXXX XXXX  ) To Whom It May Concern, Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), this letter serves as formal notice that I refuse to pay the alleged debt referenced above, and I demand that Midland Credit Management cease all communication with me regarding this matterimmediately. This includes all forms of contact : calls, texts, emails, or mail. 

The law is crystal clear : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes the debt collector to cease communication, the debt collector shall not communicate further except to notify the consumer that collection efforts are being terminated or that specific legal remedies may be invoked. 

Therefore, any future contactoutside of notifying me that youre halting collection efforts or are escalating legal actionwill be deemed a direct violation of federal law. Be aware, Im keeping detailed records of this letter and any potential infractions. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: MO

Complaint narrative:
PRESTIGE XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE 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 2025-08-26 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I disputed multiple accounts with Experian. On XX/XX/year>, Experian marked accounts verified but provided only cryptic codes, including repeated Invalid date entries, without explanation. Despite MOV requests on XX/XX/XXXX and XX/XX/XXXX, Experian never provided the required method of verification. Experians reporting remains inaccurate, and disputed accounts are not marked as such. Attached PDF includes full evidence.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
Never sent payment history or any information with my signature on it forwarded flow agreement and master purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WI

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-08-26 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANKCRUPTCY - Account Number : XXXXXXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Allen Daniel Associates, Inc.
State: FL

Complaint narrative:
Received a letter from Allen Daniels associate stating I owe {$22000.00} to XXXX XXXX. I was told I had until XX/XX/XXXX to dispute but I didnt see the mail until after. I dont owe that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear, Federal Ethics Commission My name is XXXX XXXX XXXX, and I am a candidate for Texas House District 139. I am writing to file a complaint against PayPal for placing a hold on my official campaign account and refusing to provide a proper point of contact for resolution. 

PayPal has frozen access to campaign donations that were lawfully given to my campaign. I do not sell goods or services through PayPal, this account is solely used to receive political contributions. When I contacted their support line, I was told by a business specialist-XXXX  and a Customer Service Representative-XXXX XXXX no supervisors exist and XXXX stated that she was the highest point of contact. This is a serious issue, as federal and state law require that I access and report contributions promptly. This conversation took place today, XX/XX/year>. I asked them to transfer the money into close out the account because I did not appreciate the limitations. I had been receiving money in this account for almost 2 months now. And they just automatically put a freeze on my account. 

This freeze is interfering with my ability to comply with campaign finance regulations, and it prevents me from lawfully using my campaigns funds. Additionally, PayPals refusal to provide escalation channels appears to mirror the very issue that led to XXXX facing lawsuits over the lack of adequate customer support and accountability. 

I am requesting that your office investigate PayPals handling of campaign accounts and its failure to provide an appropriate escalation process for consumers. I also request assistance in compelling PayPal to release my campaign funds so that I can remain compliant with XXXX  XXXX XXXX reporting and campaign finance laws. 

Thank you for your attention to this matter. I look forward to your assistance in holding PayPal accountable and ensuring that candidates for public office are not unfairly deprived of access to their campaign funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute an item on my credit that I believe to be inaccurate. The item in question is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX Status : XXXX and XXXX Issues : Unverified balance, conflicting payment history, continued negative reporting post-closure FCRA 1681i ( a ) ( 1 ) ( A ) requires a reinvestigation of any disputed information within 30 days. Failure to verify must result in deletion under FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : >Charge-Off< Issues : Inconsistent reporting of balance and status post-closure ; no evidence of validation of debt provided. 
Under FCRA XXXX ( b ), all data furnishers must ensure maximum possible accuracy. This account is in violation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : >Charge-Off< Issues : Discrepancies in payment record and lack of account validation. 
Under FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ), a debt collector must cease reporting if validation is not provided upon request. 
XXXX XXXX XXXX Acct # XXXX Original Creditor : Department Stores National Bank Status : >Collection< Issues : Continued reporting despite dispute notation. Under FCRA 1681s-2 ( a ) ( 3 ), furnishers must report accounts as disputed.

Additionally, FCRA 1681s-2 ( b ) ( 1 ) requires furnishers to investigate disputed data and delete unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX and # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Status : >Collection< Issues : Incomplete account information ; no signed contract or itemized accounting ever provided. 
These accounts violate FCRA 1681i and FDCPA 809 ( b ) if they can not provide full validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX Status : XXXX and XXXX Issues : Unverified balance, conflicting payment history, continued negative reporting post-closure FCRA 1681i ( a ) ( 1 ) ( A ) requires a reinvestigation of any disputed information within 30 days. Failure to verify must result in deletion under FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : >Charge-Off< Issues : Inconsistent reporting of balance and status post-closure ; no evidence of validation of debt provided. 
Under FCRA XXXX ( b ), all data furnishers must ensure maximum possible accuracy. This account is in violation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : >Charge-Off< Issues : Discrepancies in payment record and lack of account validation. 
Under FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ), a debt collector must cease reporting if validation is not provided upon request. 
XXXX XXXX XXXX Acct # XXXX Original Creditor : Department Stores National Bank Status : >Collection< Issues : Continued reporting despite dispute notation. Under FCRA 1681s-2 ( a ) ( 3 ), furnishers must report accounts as disputed.

Additionally, FCRA 1681s-2 ( b ) ( 1 ) requires furnishers to investigate disputed data and delete unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX and # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Status : >Collection< Issues : Incomplete account information ; no signed contract or itemized accounting ever provided. 
These accounts violate FCRA 1681i and FDCPA 809 ( b ) if they can not provide full validation of the debt.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: AL

Complaint narrative:
XXXX canceled my account and still charged me for products and services I never received. I filled a dispute and chime denied my dispute despite the fact its a legitimate claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I applied for credit with Avant LLC and was denied. Under the Equal Credit Opportunity Act ( ECOA, 12 C.F.R. 1002.9 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681m ), I have the right to receive the specific reasons for the denial and, upon request, an explanation of the credit scoring system used. 

I made multiple documented attempts to speak with Avants Adverse Action or Underwriting Department and to have my documentation reconsidered. On XX/XX/XXXX, and the XXXX. I requested the exact reasons and scoring factors used in the denial, as well as review of my supporting documents. Avant refused to provide this information directly and instead stated that I would need to wait up to 14 days for a response, even though this information is already available to them and should be disclosed upon request.

Avant 's Back Office, also sent me an email that repeated the same generic information from the first Adverse Action Notice and instructed me to call for more information. When I called, on XX/XX/year> I was again told the specific underwriting/scoring information could not be disclosed. This is inconsistent with the disclosure obligations under ECOA and FCRA.

Additionally, Avant represented that the credit score used in my denial came from TransUnion. I confirmed directly with TransUnion that the score Avant reported was over XXXX points lower than my actual TransUnion score at the same time. This suggests Avant either relied on inaccurate information or failed to properly disclose how the score was generated. 

Avant has repeatedly stated that it is in compliance with federal law according to company policy. However, company policy does not override the statutory requirements of ECOA and FCRA. I believe Avant has failed to provide the specific reasons, scoring system, and reconsideration of my documentation as required by law.

I request that CFPB investigate Avants refusal to provide the required disclosures, its use of inaccurate credit score information, and its delay in reviewing my reconsideration request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation