vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
The debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement. A legal contract is signed by XXXX parties and I did not participate in any of it. They didnt follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 
Account name : Midlandcre Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Experian credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am disputing the following accounts with TransUnion. The disputed items include charged-off accounts, inquiries that may have been unauthorized, and a late payment that appears to be inaccurately recorded. I request a detailed review of the following accounts to ensure their accuracy : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The balance reported on this account appears to be inaccurate. I request a full investigation into this account for proper reporting. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} I believe this account balance may have been misreported. Please conduct an investigation and provide corrections where necessary. 

XXXX XXXX INT Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} There is an error with the balance on this account, and I am requesting that it be reviewed for accuracy. 

Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXXXXXX Account Number : XXXX This late payment entry is inaccurate, and I request a review and correction of the reported payment history.

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 2025-12-15 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: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
SoFi bank refuses to correct my report with all three credit bureaus to close the matter they are reporting inaccurate information and I have been denied credit. XXXX continues to ignore my complaint they either correct the report one day and change it back another to torment me. SoFi Bank continues to report inaccurate information. XXXX  is reporting inaccurate information even after furnishing proof. The account is still under investigation with XXXX XXXX XXXX XXXX  continues to close disputes with proper investigation. SoFi Bank reports inaccurate information to credit bureaus and continue to do so. This is not fair credit reporting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, a regulated digital asset exchange, for blocking access to my funds and failing to provide a functional account recovery process. 

I currently have approximately {$440.00} in my XXXX  account. I am fully verified and can log in, but I am unable to withdraw my funds because XXXX  requires XXXX Authenticator ( 2FA ) codes that I can not access due to a completely broken and unresponsive phone screen.

I submitted a formal 2FA reset request to XXXX  and provided government-issued identification as requested on XX/XX/year>. Despite this, XXXX  has failed to respond, provide a timeline, or offer any alternative recovery method. There is no accessible option within my account to reset or recover 2FA. 

As a result, XXXX  is effectively withholding my funds indefinitely, without due process, communication, or a reasonable recovery pathway. This creates an unacceptable situation where a consumers assets are locked solely due to device failure, with no timely human support. 

I previously contacted the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( NYDFS ) on XX/XX/year>, and was referred to the Consumer Financial Protection Bureau for further assistance. 

I am requesting CFPB intervention to require XXXX  to : Respond to my account recovery request immediately Reset or remove 2FA after identity verification Restore my ability to withdraw my funds Comply with basic consumer protection standards regarding access to owned assets XXXX failure to act places consumers at risk of permanent loss of access to their funds and reflects a serious breakdown in customer support and account recovery safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: DISCOVER BANK
State: MO

Complaint narrative:
On XXXX, I ordered 3 bottles of a product called XXXX That was supposed to be Nopal cactus that contained " XXXX XXXX  This was supposed really lower your XXXX, if not reverse the XXXX. I paid {$220.00} for this product. Upon receiving the product, I researched the ingredients and there was not a trace of nopal cactus or any other cactus. I called my credit card company to dispute this fraudulent product. The company is XXXX XXXX. Sometimes the emails sent about the order showed it was XXXX XXXX. All charges to my credit card were with XXXX XXXX XXXX  This is apparently a money laundering company for these scam/fraudulent medical ads. The credit card company said it was a legitimate purchase. I tried another product called " XXXX XXXX '' which I paid {$170.00}. I didn't work either. Tried making contact with that company " XXXX XXXX XXXX ''. Looked it up on the web and called the phone number for this business, and was told it was a scam/fraudulent company out of XXXX. This purchase was handled through this XXXX XXXX XXXX as well. On XXXX, the Today show on XXXX, aired a story about these scam medical ads. I have more documents for the order of " XXXX XXXX XXXX but they are not on my computer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting this 8th follow-up regarding my previous disputes and formal requests for the permanent removal of inaccurate, unverifiable, and unauthorized items appearing on my credit reports maintained by Experian, Equifax, and TransUnion. Despite my prior communications and multiple formal disputes, several accounts and inquiries continue to appear on my credit reports, which are false, misleading, and damaging to my financial reputation and creditworthiness. 
The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, reported in Experian, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance in Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, all of which are inaccurate and must be permanently removed. These listings violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires that all information reported to consumer reporting agencies be accurate and verifiable, as well as FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, which holds furnishers responsible for reporting accurate information and prohibits the reporting of false or unverifiable data. 
Additionally, XXXX XXXX XXXX reported with a {$0.00} balance in both Equifax and TransUnion, and XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance in TransUnion, are also inaccurate, unverifiable, and must be permanently removed under the same FCRA provisions. These inaccurate listings continue to create a misleading impression of my credit history and unfairly impact my financial standing. 
Unauthorized inquiries also remain on my credit reports, including XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX XXXX XXXX  ) in Experian, which were made without my authorization and violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). These inquiries must also be permanently removed from my credit files immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting this 8th follow-up regarding my previous disputes and formal requests for the permanent removal of inaccurate, unverifiable, and unauthorized items appearing on my credit reports maintained by Experian, Equifax, and TransUnion. Despite my prior communications and multiple formal disputes, several accounts and inquiries continue to appear on my credit reports, which are false, misleading, and damaging to my financial reputation and creditworthiness. 
The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, reported in Experian, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance in Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, all of which are inaccurate and must be permanently removed. These listings violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires that all information reported to consumer reporting agencies be accurate and verifiable, as well as FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, which holds furnishers responsible for reporting accurate information and prohibits the reporting of false or unverifiable data. 
Additionally, XXXX XXXX XXXX reported with a {$0.00} balance in both Equifax and TransUnion, and XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance in TransUnion, are also inaccurate, unverifiable, and must be permanently removed under the same FCRA provisions. These inaccurate listings continue to create a misleading impression of my credit history and unfairly impact my financial standing. 
Unauthorized inquiries also remain on my credit reports, including XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX XXXX XXXX  ) in Experian, which were made without my authorization and violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). These inquiries must also be permanently removed from my credit files immediately.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Imprint Payments, Inc.
State: TX

Complaint narrative:
I never received a hard-copy ( paper ) statement for my account. At no time was a mailed paper statement provided showing the balance, due dates, or itemization of charges. Because no paper statement was sent, I was unable to properly review or verify the account details.

In addition, Imprint charged late fees to my account even though I made my payments on time. I contacted Imprint to have these late fees removed, but they refused to take them off despite my timely payments.

The failure to provide a paper statement combined with the refusal to remove incorrect late fees has resulted in inaccurate billing and unnecessary charges. These practices have caused financial harm and prevented me from fairly disputing the account.

I am requesting a hard copy of the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-15 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Sent this dispute Name : XXXX XXXX Last 4 of SSN : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX Zip Code : XXXX State : XXXX Type : General Dispute Description : Request for Debt Validation Under the Fair Debt Collection Practices Act Dear Midland Credit Management, I am writing to formally request validation of a debt that your company claims I owe. I recently received a notice from Midland Credit Management regarding an alleged debt in the amount of {$1600.00}, with account number XXXX, originally from XXXX XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to dispute the validity of this debt and request verification. Please provide me with the following information : 1. The name and address of the original creditor. 
2. A copy of the original agreement or contract showing that I owe this debt.

3. Verification of the amount owed, including a detailed breakdown of any fees, interest, or other charges added to the original amount.

4. Proof that Midland Credit Management is authorized to collect this debt on behalf of the original creditor.

5. Any judgment or other legal documentation if applicable. 

Until you provide this validation, please cease all collection activities, including phone calls, letters, and credit reporting, as required by law. If you do not validate the debt within 30 days of receiving this request, I will consider the debt invalid and expect you to remove any related information from my credit reports and cease all further contact. 

Please send the requested information to me via mail to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Request sent XX/XX/XXXX at XXXX XXXX Attempt 2 on email confirmation. 

Was contacted again about the debt XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
This is the second complaint I have filed against this company. They responded back with a bunch of untrue statements. I have never talked with XXXX XXXX which is the company they paid for. I know nothing about these refunds from them. Also Rocket Mortgage denied they knew about the XXXX which was the increase that they claimed they never were notified. But in there letter it was there. 
Heres the facts and where they went wrong. 
XX/XX/XXXX first payment to XXXX XXXX. 
XX/XX/XXXX renewal to XXXX XXXX. 
XX/XX/XXXX renewal to XXXX XXXX. 
Heres where it goes bad notified XX/XX/XXXX of an increase of XXXX. NEVER PAID they were sent XXXX notices They sent another notice on XX/XX/XXXX reminding them a XXXX payment is due. NOTHING they sent another notice out on XX/XX/XXXX non payment. Cancels. 
On XX/XX/XXXX Seen months later I get a letter in the mail from Rocket telling me I dont have insurance I called them and ask why. They got XXXX on the phone and they said they didnt pay the XXXX so cancels. 
On XX/XX/XXXX I bought insurance thru XXXX XXXX. On XX/XX/XXXX XXXX months later they buy a policy from XXXX. 
Now the real kicker is they got a yearly policy renewal that wasnt even due its just to show the added XXXX for next cycle that was XXXX. The policy was cancelled They went ahead and paid it anyways. They paid that on XX/XX/XXXX. Come on really? 
This is why my escrow is so out of control. 
It all started because the XXXX increase was not paid. If it was the policy would have never canceled. 
I have never been late or missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
CFPB Complaint against Experian Good Morning CFPB, RE : Follow-up to complaint XXXX I am filing a complaint regarding predatory lending and inaccurate credit reporting. 

The creditors extended to me during a period of financial hardship under unfair and abusive terms. The accounts continue to be reported to the consumer reporting agency without lawful verification. 

Despite written dispute sent directly to the creditors and to the credit reporting agency, no original documentation has been produced to validate the account. The following accounts are predatory Lending accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This conduct violates the fair credit reporting act, including 15 U.S. C. {$1600.00}, 611, 623, and 616-617, and constitutes unfair and deceptive practices.

I am requesting immediate deletion of the accounts, correction of my credit file, and written confirmation of compliance. 
Sincerely, XXXX XXXX XXXX

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