vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MN

Complaint narrative:
My bank denied my fraud dispute without providing sufficient investigation or written explanation. I am requesting the CFPBs assistance because this is a violation of Regulation E ( 12 CFR 1005 ), which requires a reasonable investigation of unauthorized electronic fund transfers. The bank has failed to provide evidence supporting their denial and did not properly consider the documentation I provided. I am asking for the bank to reopen and reinvestigate the dispute and provide all supporting documentation used in their decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I respectfully request that you remove any existing fraud alerts from my credit report and unfreeze my credit file. Please process this request promptly and provide written confirmation once these actions have been completed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a domestic wire transfer for {$300.00} from my Bank of America checking account. The funds were deducted from my account, but the transfer never reached the intended recipient.

Since then, the transaction has repeatedly appeared as if the money was refunded and then deducted again. This has happened multiple times over the past two weeks, creating confusion and affecting my account balance. 

I have contacted the bank several times, but I have not received a clear explanation or a resolution. I have requested a wire investigation, but the issue continues with no final answer. 

I am filing this complaint because the transfer has not been completed, the funds continue to fluctuate in and out of my account, and I need the bank to properly investigate, trace the wire, and resolve the situation.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that you validate this alleged debt before any further collection activity or reporting. 

Please provide : The original creditors name and address. 

The original account number. 

Documentation proving I am legally obligated to pay this debt. 

A detailed accounting of the alleged balance. 

Proof your company is authorized to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2025 : I submitted a request online to XXXX -- got an error message from Experian saying they were unable to give me my credit report. 

XX/XX/2025 : mailed a hardcopy request to XXXXXXXX XXXX XXXX requesting my Experian report -- received no response. 

XX/XX/2025 : submitted a request to XXXXXXXX XXXX XXXX via phone -- received no response. 

XX/XX/2025 : tried to create an account on XXXX -- received an error message that the site was unable to process my request; tried logging into an account that I forgot I had made and it yielded error messages saying that my phone number doesnt match their records and that my date of birth doesnt match my Social Security number . 

XX/XX/2025 : tried calling Experian 's customer service line -- automated phone tree refused to connect me to a representative because it " can only transfer calls under specific circumstances ''. 

XX/XX/2025 : sent letter via first class mail to Experian -- received no response. 

XX/XX/2025 : sent letter via USPS to Experian with confirmation of receipt -- received no response.

I have received multiple credit reports from Experian in previous years, all of which state my birth year and cell phone number correctly. 

I opened a new credit card two months ago and received a letter including my credit score from Experian so I don't understand why I can't receive a credit report from them directly to allow me to resolve whatever errors are preventing me from obtaining the report in the first place.

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 2025-12-05 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX  XXXX Under XXXX XXXX XXXX XXXX a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section XXXX ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
In XX/XX/year>, I reviewed my Experian credit report and discovered multiple inaccurate, duplicate, and unauthorized items that I did not recognize or authorize. These include duplicate medical collection accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX, as well as an additional collection account from XXXX XXXX XXXX. The balances reported ( ranging from approximately {$520.00} to {$3500.00} ) appear multiple times under different account numbers, which violates XXXX XXXX reporting standards for duplicate tradelines. 

During this same period, I also noticed several unauthorized hard inquiries from auto dealers, lenders, and third-party companies dating across XXXX. I did not apply for credit with these companies, nor did I give permission for them to access my credit file. These inquiries have harmed my credit standing and were reported without permissible purpose under FCRA 1681b. 

I submitted formal disputes to Experian, requesting deletion of the inaccurate personal information, duplicate collections, unauthorized inquiries, and misreported late payments. Despite providing documentation and requesting reinvestigation, Experian failed to correct or remove the inaccurate data. The disputed accounts remain on my report even though the companies involved have not verified the debts. 

These actions have resulted in significant negative effects on my creditworthiness, including a decrease in my score and difficulties obtaining credit. I am requesting CFPB assistance to ensure Experian conducts a lawful reinvestigation, removes unverifiable and duplicate data, and corrects all reporting errors in compliance with FCRA 607 ( b ), 611 ( a ), and Metro 2 standards.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Dates : XX/XX/XXXX XX/XX/year> Amounts : {$1200.00} and {$660.00} On XX/XX/year>, I discovered that Midland Credit Management reported two separate collection accounts on my credit report in the amounts of {$1200.00} and {$660.00}. I was never provided with proper written notice of these alleged debts before they were reported, and I do not recognize these accounts as valid obligations. 

On XX/XX/year>, I contacted Midland Credit Management to request written validation of both alleged debts, including documentation proving that the accounts belong to me and that Midland Credit Management has legal authority to collect them. Despite this request, no proper validation was provided, and both accounts continued to be reported. 

On XX/XX/year>, I formally disputed both accounts with the credit reporting agencies. As of XX/XX/year>, the accounts remain on my credit report and continue to be reported inaccurately, causing ongoing damage to my credit standing and financial hardship. 

At no time did I sign any agreement authorizing Midland Credit Management to collect either of these debts. Additionally, collection and reporting activity continued while the accounts were in active dispute, which is improper and unlawful. 

Midland Credit Management has failed to comply with the FDCPA and FCRA by continuing to report and attempt to collect on unverified and disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
tried to deposit money and the transactions are declined. bank is ok it is on the cash app side and it just dos n't work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NY

Complaint narrative:
I dispute a this account XXXX account to be deleted from my report fo inaccurate information reporting on my report XXXX ACCOUNT NUMBER XXXXXXXX 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I am filing this new complaint because my previous CFPB case ( XXXX XXXX. XXXX ) was closed without resolving the issue. I have also submitted a related report to the FTC, Reference/Report Number : XXXX. 

Fair Collections & Outsourcing ( FCO ) has failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my requests, FCO has not produced any of the documentation required to verify the debt, such as : A signed contract or lease Itemized account details Proof of their legal right to collect Original creditors supporting records Instead, FCO continues to report and/or attempt collection without providing the legally required verification. This constitutes collection activity on an unvalidated debt, which is a violation of FDCPA 809 ( b ).

Additionally, in their prior CFPB response, FCO claimed they would send verification, but no such verification has been received. Stating a balance is not validation. They are also referencing an email notification allegedly sent on XX/XX/year>, which I never received, and which does not satisfy validation requirements. 

I am requesting : Full debt validation, including supporting documents.

Immediate suspension of all collection and reporting activity until proper validation is provided.

Investigation into FCOs repeated failure to comply with federal law.

Removal of any negative credit reporting related to this unverified debt.

Thank you for reviewing this complaint. I am requesting CFPB intervention because FCO has not complied with verification obligations and continues collection efforts without proper documentation.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am submitting this complaint because my former XXXX XXXX XXXX is being inaccurately reported to the credit bureaus. I believed this loan was in forbearance and was not provided appropriate billing or past-due notices. As soon as I was notified, I acted immediately to resolve the loan through consolidation. The loan is now fully satisfied with a {$0.00} balance. 



Despite this, the loan is reporting as charge-off or derogatory with multiple late payments from XX/XX/year> through XX/XX/year>. Federal student loans do not charge off in the same manner as consumer credit, and the current reporting is inaccurate, misleading, and damaging to my credit standing. I am requesting that the servicer remove the derogatory marks and update the status to reflect Paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. Last XX/XX/XXXX, I purchased a XXXX  XXXX XXXX, which was financed through United Auto Credit. This vehicle had hidden defects, such as a very bad engine and transmission. Furthermore, I was never able to register or use it because it did not comply with emissions laws in Georgia, specifically in XXXX XXXX. Once the temporary license plate the dealer gave me expired, the car could no longer be driven. When I tried to claim the extended warranty they made me buy, they told me that all the defects were pre-existing and they could not cover them. 

XXXX XXXX XXXX XXXX Email XXXX Dealer name chamo auto sales Company name united auto credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filling this report because I am victim of credit card fraud and I did not authorize this account. 
SYNCB/MC XX/XX/year>

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
CFPB COMPLAINT TRANSUNION Unlawful / Improper 30-Day Investigation & Failure to Delete Inaccurate Information Credit Bureau : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX 1. Summary of Complaint I am filing this complaint because TransUnion claimed to have completed a 30-day reinvestigation, but : They did not remove any inaccurate items They did not correct unlawful reporting They verified items that violate federal law They failed to contact furnishers properly Their investigation was superficial, unlawful, or not performed at all This constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

2. Proof TransUnion Received My Dispute USPS Tracking Number : XXXX XXXX accepted the package : XX/XX/XXXXXXXX  XXXXXXXX XXXX XXXXXXXX, NY XXXX Delivered / Picked Up at TransUnion : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Pickup This proves : TransUnion did receive my dispute packet They were legally obligated to perform a full reinvestigation Their claim of verification is unsupported and unlawful 3. Disputed Items TransUnion Failed to Correct or Delete Using your uploaded Negative Item Report : 1 Department of Education XXXX XXXX ( XXXX Student Loans ) Reporting 120+ days late during the CARES Act protection period Violates CARES Act 3513 and 4021 2 XXXX XXXX XXXX XXXXXXXX XXXX Charge-Off Unverified balance + inaccurate delinquency Violates FCRA 623 ( a ) ( 1 ) ( A ) 3 XXXXXXXX XXXX XXXX XXXX XXXX Collection No lawful assignment or ownership verification Violates FDCPA 809 ( b ), UCC 9-406, FCRA 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX Collection No debt validation Violates FDCPA 807 ( 8 ), 809 ( b ) 5 Unauthorized Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violates FCRA 604 ( a ) ( no permissible purpose ) XXXX XXXX XXXX / Duplicate Tradeline Still reporting original tradeline despite assignment to XXXX Violates FCRA 605 ( a ) ( 5 ) Creates double reporting of the same debt 4. Why TransUnions Investigation Was Unlawful A lawful reinvestigation under FCRA 611 ( a ) requires : Contacting each furnisher Comparing consumer evidence with creditor data Correcting or deleting inaccuracies Removing unverifiable accounts Providing documentation upon request TransUnion did none of this. 


Instead, they : Responded generically Failed to correct even blatant violations Verified accounts without evidence Ignored federal CARES protections Left duplicate and unverifiable items on the report This is an unlawful reinvestigation, or it was not performed at all

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems LLC Dates : XX/XX/XXXX XX/XX/year> Amount : {$600.00} On XX/XX/year>, I discovered that Jefferson Capital Systems LLC reported a collection account on my credit report in the amount of {$600.00}. I was never provided with proper written notice of this alleged debt before it was reported, and I do not recognize this account as a valid obligation. 

On XX/XX/year>, I contacted Jefferson Capital Systems LLC to request written validation of the debt, including documentation proving that the account belongs to me and that they have legal authority to collect it. Despite this request, no proper validation was provided, and the account continued to be reported. 

On XX/XX/year>, I formally disputed this account with the credit reporting agencies. As of XX/XX/year>, the account remains on my credit report and continues to be reported inaccurately, causing ongoing harm to my credit profile and financial standing. 

At no time did I sign any agreement authorizing Jefferson Capital Systems LLC to collect this debt. Additionally, collection and reporting activity continued while the account was in active dispute, which is improper.

Jefferson Capital Systems LLC has failed to comply with the FDCPA and FCRA by continuing to report and attempt to collect on an unverified and disputed account.

Company response to consumer: Closed with explanation