vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding inaccurate and unverifiable student loan accounts being reported on my credit file. These accounts are harming my credit profile and violating my rights under federal law. 

The specific TransUnion accounts in dispute are : Account # XXXX Balance : {$3400.00} Opened XX/XX/XXXX Monthly Payment : {$32.00} Past Due : {$260.00} Account # XXXX Balance : {$4900.00} Opened XX/XX/XXXX Monthly Payment : {$54.00} Past Due : {$430.00} Account # XXXX Balance : {$3100.00} Opened XX/XX/XXXX Monthly Payment : {$31.00} Past Due : {$250.00} Account # XXXX Balance : {$5600.00} Opened XX/XX/XXXX Monthly Payment : {$56.00} Past Due : {$450.00} Dispute Basis : 1.Under the Fair Credit Reporting Act ( FCRA ) 609 & 611, I have the right to request verification of the information being reported. To validate these accounts, the original promissory notes, the chain of custody of the debt, and the complete payment history must be provided.

2.If the above documentation can not be produced, the continued reporting of these accounts is inaccurate and must be deleted.

3.Under the Gramm-Leach-Bliley Act ( GLBA ), furnishers of credit information are obligated to safeguard consumer data. Reporting unverifiable information while distributing my personal details constitutes a violation.

4.Under FERPA ( Family Educational Rights and Privacy Act ), my educational records are protected. Any disclosure of my student loan records without proper authorization and documentation is a breach of FERPA.

Requested Relief : I request a full investigation into the accounts listed above.

If the promissory notes, chain of custody, and complete payment history can not be provided, I demand the immediate deletion of these accounts from my credit reports with XXXX, Experian, and XXXX.

Please confirm receipt of this complaint and notify me of the corrective action that will be taken.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT , INC . 

Product or service : Debt collection, credit reporting Company : Midland Credit Management , Inc. ( MCM ) Issue summary : I dispute both Midland Credit Management collection accounts. I never signed a contract with MCM. I do not owe MCM. The tradelines lack validation and authorization. 

Account details : Account number : XXXX, balance XXXX dollars, reported opened XX/XX/year> Account number : XXXX, balance XXXX dollars, reported opened XX/XX/year> Facts : I have no agreement with MCM. 
I did not authorize MCM to obtain, use, or report my personal information. 
MCM has not produced a signed contract, full itemization, or proof of ownership for either account. 
I dispute the accuracy and legitimacy of both tradelines. 

Legal violations : FDCPA, 15 U.S.C. 1692g ( b ) : cease collection until validation for each account.

FDCPA, 15 U.S.C. 1692e and 1692f : false, misleading, or unfair practices, including reporting disputed, unvalidated debt.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) : duty to furnish accurate information and correct errors.

FCRA, 15 U.S.C. 1681s-2 ( b ) : duty to investigate and delete or correct after notice of dispute.

12 C.F.R. 1022.42 and 1022.43 : accuracy and integrity duties, and direct dispute investigation duties.

California Rosenthal Act, Cal. Civ. Code 1788.17.

Requested relief : Delete both Midland tradelines from all consumer reports. 
Cease and desist all collection and reporting on these accounts. 
Provide, in writing, all documents relied on for each account : original signed contract with the original creditor, full itemized account history, billing statements, notice of assignment, bill of sale, complete chain of title, data furnishing records, date of first delinquency, and any forward flow or purchase agreements showing ownership and authority to collect and report. 
Provide the complete results of your investigation and the procedures used for each account. 
Confirm deletion within 15 days. 
Provide compensation for statutory and actual damages, plus costs. 

Attachments to be provided by me : Government ID and social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$1600.00} DEPT OF EDUCATION/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$1600.00} DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$940.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The following accounts are no longer in dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Let the record reflect today at around XXXX I logged in to my Navy federal and in writing I ask for a digital card. Once I arrive in XXXX mi at XXXX I ask for the digital card and another rep said she could not give it. Over the last XXXX hours I have also been kicked out of my mobile banking. I need this money for hotel tonight and now I cant even access it if I wanted to XXXX  it to someone. I will know have to sleep on the streets tonight and dont know when I can access my funds. 

Attached evidence also shows how navy federal lies and tell me to go to branch but then send letters to you saying something different. The attachments are from today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
I am filing a complaint regarding inaccuracies on my Experian credit report related to XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$80000.00}, Date OpeneXXXX XXXX XXXX XXXX XXXX XXXX XXXXnd XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Both accounts are reported as having late payments on Experian, but they are not reported as late by XXXX XXXX XXXX demonstrating inconsistent and inaccurate reporting. Additionally, the XXXX account has been reported twice as a duplicate. I have previously requested an investigation and correction, but no updates or verification have been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ) ) and federal/state reporting laws, furnishers and consumer reporting agencies are required to ensure accuracy and integrity of all reported information.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: UT

Complaint narrative:
We had a friend on XXXX that was offering items for her aunt for sale and we didn't realize until it was too late that it was a scam. We immediately called XXXX and they said there was nothing they would do about it since it was friends and family. They told us to file a police report, submit a complaint to cyber crimes, and put a stop payment on the bank account. We did everything they said. XXXX days later, the payment showed up and the bank stopped it just like they were told. We immediately got a message on XXXX from the account that had been hacked asking why we stopped payment. I called XXXX again and they said the person was 'probably lying ' and we still owed the {$800.00} because while the payment was stopped, XXXX insisted they paid it so we owed it. Never mind that the email was still there and they did nothing to the person who had taken the money. Even after giving them the police report number, etc, they refused to knock the debt off our account. It was sent to collections to XXXX XXXX XXXX collections and they refuse to listen to anything and basically told us we're XXXX and we're stuck with it. XXXX told we owe {$800.00} for something is ridiculous when the 'seller ' is still on paypal and is getting away with it - and possibly doing the same to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to follow up on my previous disputes regarding multiple billing and payment inaccuracies appearing on my credit reports with TransUnion, Experian, and Equifax. These inaccuracies involve accounts reported with late payments and balances that are inconsistent with my payment history and records. I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666, which protect consumers against billing and reporting errors and require thorough investigations and corrections of inaccurate information. 

The following accounts are being inaccurately reported : XXXX XXXX XXXX Balance : {$9800.00} | Last Payment Date : XX/XX/XXXX | Reported Late : 90 days ( XX/XX/XXXX ) and 120 days ( XX/XX/XXXX ). 
These reported late payments can not be verified through my financial records. There is no documentation supporting these delinquencies, making them inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX : {$240000.00} | Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX | Reported Late : 30 days ( XX/XX/XXXX ). 
I reviewed my account statements and found no evidence of any delinquency. The reporting of this late payment is inaccurate and misrepresents my payment history. 

XXXX XXXX XXXX XXXX : {$20000.00} | Opened : XX/XX/XXXX | Reported Late : 30 days ( XX/XX/XXXX & XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XXXX XXXX ), and 120 days ( XX/XX/XXXX ). 
These reported late payments are unverifiable and inconsistent with my payment records.

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 2025-10-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I received a suspicious charge from " XXXX XXXX XXXXXXXX XXXX '' in the amount of {$100.00} on my Apple card. After conferring with my family as to what the charge could be, my mother admitted grabbing my card from my room and using it to buy XXXXXXXX XXXX XXXX, and that the charge was the first monthly installment. I contacted XXXX to see if they could return the passes and they refused, so I filed a claim with the credit card company the following day ( XX/XX/XXXX ) and explained I did not authorize the purchase. The dispute number for that case is XXXX. After disputing the charge, XXXX took the annual passes off my XXXX account, so I do not have access to them, nor have I ever used them. On XX/XX/year>, the company responded that I won the dispute, and the charge was taken off. 
However, on XX/XX/year>, I received a second charge from " XXXXXXXX XXXX XXXXXXXX XXXX '' in the same amount of {$100.00}. I disputed that charge as well ( XXXX ), as it tied to the original purchase that I did not make. On XX/XX/year>, XXXX asked for a copy of the correspondence between myself and XXXX from XXXX, which I did not have because it was a phone call. On XX/XX/year>, Apple denied the dispute and left the charge on my account. The same day, I re-opened the dispute again confirming that I did not make the charge, nor did I receive any services or products if I had made the charge ( XXXX ). On XX/XX/year>, Apple requested a copy of my purchase agreement, which as I explained via email, I did not have an agreement because I did not make the purchase. They then denied my claim again on XX/XX/year>, and once again, I reopened it the same day ( XXXX ). Finally, on XX/XX/year>, they denied it a third time, as they state a billing error did not occur. 

Additionally, XXXX charged me a third monthly payment on XX/XX/year>, which I disputed ( XXXX ) and Apple took off on XX/XX/year>, just as they did in XXXX. It is only XXXX I have had to dispute several times. 

I have tried explaining to them that they were able to take off the XXXX and XXXX charges for the same purchase, so it only makes sense to take off XXXX as well. Additionally, as I did not make the charge, I do not have a purchase agreement, only a statement from my mother attesting she took my card and made the purchase without permission. Apple has changed my card number at least twice now because of this, but they still insist no billing error occurred in XXXX. 

If there is any further clarification or details I can provide, please let me know.

Company response to consumer: Closed with monetary relief