vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Violations Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) This is my pre-arbitrationd demand for relief under the North Carolina Uniform Arbitration Act ( N.C. Gen. Stat. 1-569.1 et seq. ) and the Federal Arbitration Act ( 9 U.S.C. 1 et seq. ). Defendant Midland Credit Management, is unlawfully harassing me over a purported debt of {$2300.00} ; allegedly owed. Midland Credit Management collection letters supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements mandated by federal and state law. 


The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: PR

Complaint narrative:
Multiple Navient student loan accounts ( ending in XXXX, XXXX, XXXX, XXXX, XXXX, etc. ) show XXXX or XXXX different XXXX or XXXX XXXX amounts for the same accounts ( e.g., {$7100.00} / {$9100.00} / {$9100.00} ). 
Balances also exceed the alleged original charge-off amounts, violating FCRA 607 ( b ), 611, and 623 ( a ). 

XXXX has never provided an amortization schedule showing balance changes after each transaction, so the reported figures can not be verified. 
XXXX  deleted all XXXX accounts due to unverified data, but Experian and Equifax still report the same inaccurate entries.

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 2025-10-17 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-17 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
CFPB, I am filing this complaint because I believe XXXX ( BlueChip Financial ) has engaged in retaliatory and unfair practices following my prior CFPB complaints. 

In its most recent CFPB response on XX/XX/year>, XXXX acknowledged that its own employees made mistakes while handling my loan and settlement. The company admitted : At the time you agreed to the settlement, the agent who assisted you did not take the proper actions in our loan system to have your payments automatically debited from your bank account on file. 

and also stated : During this telephone conversation, the agent who assisted you failed to mention the settlement of {$540.00} that was already in place on your account and offered you a new settlement of {$710.00}. 

Spotloan concluded : Due to the agent errors that occurred in XXXX and now in XXXX, we are willing to forgive the remaining balance on your loan and close your account. There is no need to make any further payments and we will stop contacting you. 

This means XXXX own response confirmed that the mistakes were caused by their employees and that they forgave my balance and closed the account. 

Since that last CFPB response, I have tried to reapply for a new Spotloan several times, and each time I have been instantly denied. The denial message says that I have a negative Spotloan history and that the decision was not based on any information from an outside source. 

Because Spotloan confirmed that they forgave the balance and closed the account, there should be no reason for any negative history to remain. The fact that I am automatically denied suggests Spotloan has placed an internal do-not-lend or negative flag on my name or profile. I believe this is retaliation for my previous CFPB complaints, which are protected consumer activities. 

Under 12 U.S.C. 5536 ( a ) ( 1 ) ( C ) of the Consumer Financial Protection Act, companies are prohibited from retaliating against consumers for filing complaints or exercising their rights. Automatically denying a consumer based on an internal negative flag after forgiving their balance due to company error is both unfair and retaliatory. 

I am requesting that the CFPB investigate whether Spotloan and its parent company, BlueChip Financial, maintain internal systems or lists that penalize consumers who have previously filed CFPB complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : 15 U.S.C. 1611 False or Misleading Representations/ Full Underwriting Disclosure Request Dear XXXX XXXX XXXX, This letter is written in connection with the above-referenced account and pursuant to my rights under the Truth in Lending Act ( TILA ) and 15 U.S.C. 1611, which prohibits the making of any false or misleading statements or representations in relation to a consumer credit transaction.

I have reason to believe that false, incomplete, or misleading information may have been communicated or reported in relation to this alleged debt or consumer credit transaction. Therefore, I am exercising my federal rights and requesting the following : 1. Underwriter and Decision Disclosure : Identify the underwriter, agent, or representative responsible for approving, verifying, or validating this alleged debt.

Provide a detailed listing of all underwriting factors, criteria, and documentation used in determining the existence, validity, or enforceability of this consumer transaction.

2. Verification of Reported Information : Supply documentation confirming the accuracy, completeness, and lawful basis of any information reported to credit bureaus concerning this account.

Identify any misstatements, inaccuracies, or misleading entries that may constitute a violation of 15 U.S.C. 1611.

3. Access and Use of Credit Information : Provide a clear explanation and documentation showing how and when any portion of my credit, account data, or financial profile was accessed, used, or transferred by your company.

If any portion of an unlimited or revolving credit line has been reclassified, restricted, or utilized without my express consent, please disclose the nature and legal basis of that access.

Please consider this letter a formal demand for full validation and underwriting disclosure. I request that you respond within 15 business days from receipt, providing certified documentation to support your claims of ownership, assignment, or collection authority regarding this account.

Failure to comply or continued reporting of inaccurate or unvalidated information may constitute a violation of federal law and may be referred to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 

Thank you for your immediate attention to this matter. 

Respectfully, 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : 15 U.S.C. 1611 False or Misleading Representations/ Full Underwriting Disclosure Request Dear XXXX XXXX XXXX, This letter is written in connection with the above-referenced account and pursuant to my rights under the Truth in Lending Act ( TILA ) and 15 U.S.C. 1611, which prohibits the making of any false or misleading statements or representations in relation to a consumer credit transaction.

I have reason to believe that false, incomplete, or misleading information may have been communicated or reported in relation to this alleged debt or consumer credit transaction. Therefore, I am exercising my federal rights and requesting the following : 1. Underwriter and Decision Disclosure : Identify the underwriter, agent, or representative responsible for approving, verifying, or validating this alleged debt.

Provide a detailed listing of all underwriting factors, criteria, and documentation used in determining the existence, validity, or enforceability of this consumer transaction.

2. Verification of Reported Information : Supply documentation confirming the accuracy, completeness, and lawful basis of any information reported to credit bureaus concerning this account.

Identify any misstatements, inaccuracies, or misleading entries that may constitute a violation of 15 U.S.C. 1611.

3. Access and Use of Credit Information : Provide a clear explanation and documentation showing how and when any portion of my credit, account data, or financial profile was accessed, used, or transferred by your company.

If any portion of an unlimited or revolving credit line has been reclassified, restricted, or utilized without my express consent, please disclose the nature and legal basis of that access.

Please consider this letter a formal demand for full validation and underwriting disclosure. I request that you respond within 15 business days from receipt, providing certified documentation to support your claims of ownership, assignment, or collection authority regarding this account.

Failure to comply or continued reporting of inaccurate or unvalidated information may constitute a violation of federal law and may be referred to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 

Thank you for your immediate attention to this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf.

Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Equifax to take all necessary action to correct and block this information as ordered by law.

l from now on request a formal investigation into my dispute and the removal of any incorrect information from Equifax 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America, opening a checking account XX/XX/year> : I went to a branch to open a new account and an associate/manager told me to apply on the app. So I applied for an account and was approved the same day. I had a co-applicant on the application too, so it was a joint account. I and the co-applicant agree to terms and conditions separately. I set up my login and password and confirm I can log in. 

XX/XX/year> : Both of us receive an email that the co-applicant still needs to agree to terms and conditions, and that " Time is running out to complete your account request '' and the deadline is XX/XX/XXXX. Co-applicant had already agreed to terms and conditions. Any attempt to do so at this point results in an error of " the request has expired. '' I contact customer service via chat, asking if the co-applicant needs to set up his own log in and the chat agent verifies this. I ask about the emails to agree to terms and conditions after they were already agreed to, and the chat agent gives me a customer service number. 

XX/XX/year> : I set up XXXX in the mobile banking app and send funds to the new account. Funds received by new account. 

XX/XX/year> : I attempt to log into my account, only to be given an error of " No match found. Please create a new user name and password. '' Co-applicant goes to branch to ask why. Associate at the branch told him my " account access has been revoked '' and I need to call customer service. They give him a business card with three different customer service numbers on it. I called customer service, who tells me my " account is in the process of closure because they could not verify the two forms of identification ''. I asked how the account application was approved and an account opened if identification couldn't be verified? Customer service rep avoids the question, just says they couldn't be verified and she doesn't know why. I ask how I will get my money from the " closed '' account if I can't log in. She says they will send a check to the address on file when the account is actually closed but she doesn't know when that will be. 

I received no notification that ID couldn't be verified, or a request to provide ID at a bank branch in person. I received no notification my account was in the process of being closed. 

The co-applicant was able to withdraw the funds I had put in the account while at the branch. A branch associate confirmed she has " seen this happen a few times with people who apply online and do not have an existing account with Bank of America. ''

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 2025-10-17 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief