vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the unlawful conduct of XXXX XXXX XXXX and Midland Credit Management ( MCM ), who are attempting to collect on an alleged debt and reporting inaccurate information on my credit reports. 

My Complaint : Both XXXX XXXX XXXX and MCM have attempted to collect a debt that I do not believe is valid. 

They have reported inaccurate, unverified, and misleading information to the credit bureaus, which has negatively impacted my credit. 

Despite my verbal and written requests for them to stop contacting me, they have continued to call and send letters. 

They have failed to provide proper verification of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Their credit reporting practices also violate the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), since unverifiable and inaccurate information should not remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The issue is with Chase Amazon Credit Card. I need to dispute a transaction dated XX/XX/year>. The Bank claims they can not dispute a transaction more than 110 days old. I explained the situation, I bought a laptop on XXXX using this credit card. The laptop had 1 year warranty. The screen of the laptop became glitchy, I reached out to the manufacturer and they confirmed the warranty was voided because the computer was illegally modified prior to the sale ( XXXX, XXXX, XXXX had been altered ). Thus, warranty was voided, I have attached the XXXX support email with details. XXXX has spent XXXX weeks fixing this issue, with no resolution other than we have to wait. Chase does not want to place a dispute, without reason other than it exceeds the time. I explained this could be an exception. The blamed VISA for not allowing exceptions. All I need is a new computer or the money back. XXXX the supervisor at Chase dispute team was not able to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I contacted Capital One to close my credit card account. At that time, I was informed that any residual interest would be waived so the account could be closed at a {$0.00} balance. Despite this, interest charges have continued to appear. 

I contacted the issuer again on XX/XX/XXXX and requested reversal of these charges so I could complete closure of the account. The issuer refused, leaving me with a closed account showing a balance of {$150.00}, contrary to what was promised. 

This has created a situation where I am being charged for fees that should never have been applied, and the issuer has not provided a good-faith resolution despite multiple attempts on my part. 

I request the following resolution : Reversal of the {$150.00} balance so the account reflects a {$0.00} balance at closure, as originally agreed. 

Written confirmation that my account is fully closed and will not be reported negatively to credit bureaus. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-28 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
In XXXX, XXXX, I was having financial difficulties and requested and approved for loan modification. I had to make three consecutive payments as a condition of this loan modification. I made three payments XXXX, XXXX and XXXX on the first of each month. My third payment cleared my bank on XX/XX/year>. 
I received notice after this payment that my mortgage company was being transferred to another company and that documents were being transferred to the new mortgage company. I reached out to the new company because they told me that they never received information that these payments were made. I emailed them my bank statements as verification that these 3 payments cleared.

I have called them several times to straighten this matter up. Im on hold for a minimum of 35 minutes, then when someone answers, Im told my mortgage is behind three months. After explaining the situation, Im told to give it more time for the transfer to be completed. Now, this is being reported as three months late. I have been calling them at least two times a week, to no avail. Im instructed to wait before making my XXXX mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TN

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 XXXX 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 XXXX  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 2025-08-28 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: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

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 2025-08-28 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: IN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-28 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: IN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I filed a dispute with cash app I was asked to verify my identity I informed the customer service representative that ID was expired and I would renew it in XXXX I was told on XX/XX/year> that my account would not be closed but my dispute may cancel until I verify my identity. My account was closed today because of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This complaint is not a repeat of my prior submission. Pentagon Federal Credit Union, through its Vice President of Consumer Loan Servicing & Administration, XXXX XXXX, provided a response to my earlier CFPB complaint. However, XXXX XXXX response failed to address the central issue : the unlawful reporting of 29 consecutive monthly Charge-Off ( CO ) notations. 

A charge-off is a one-time accounting event, not a rolling monthly derogatory. By continuing to furnish 29 consecutive CO notations ( even after the account was paid in full on XX/XX/year> ), PenFed is providing factually inaccurate and misleading information. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known ( or reasonably should be known ) to be inaccurate.

FCRA 605 ( a ) : Prohibits re-aging and continued reporting beyond the original charge-off event.

FCRA 607 ( b ) : Requires CRAs to assure maximum possible accuracy. 

The companys response signed by XXXX XXXX XXXX only referenced waiving a small balance and did not address the ongoing and unlawful practice of furnishing repeated CO notations. The harm here is the artificial inflation of derogatory history that is not permitted under FCRA or XXXX XXXX guidelines.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA Violations and Failure to Remove Debts I am writing to * * formally escalate * * my dispute regarding multiple accounts on my credit report that were * * paid in full through XXXX XXXX XXXX XXXX XXXX and are being * * illegally reported * * by Experian. My previous complaint submitted via the CFPB portal and directly to Experian on XX/XX/year>, has been met with a * * vague, template-style response that fails to meet any of the obligations under the Fair Credit Reporting Act ( FCRA ) * *. 

Experians response is * * wholly inadequate and legally deficient * * : 1. * * No verification evidence provided : * * Experian claims the disputed items were verified but does not provide any documentation, account-specific details, or explanation of what was actually reviewed. 
2. * * No furnisher information disclosed : * * I was not provided the name, address, or phone number of any furnisher contacted, as required under 1681i ( a ) ( 6 ) ( B ) ( ii ).

3. * * No account corrections or deletions : * * The accounts clearly * * paid by XXXX XXXX XXXX * * remain on my credit report, including : XXXX, XXXX XXXX, XXXX  XXXX ( now misreported as Portfolio Recovery Associates ), HSBC, and Wells Fargo. This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ).

4. * * Failure to include consumer-submitted evidence : * * I provided documentation proving payment, yet Experian ignored all relevant materials, violating 1681i ( a ) ( 4 ).

This is * * not a reinvestigation * * it is a deliberate, evasive, and misleading response intended to * * avoid compliance with federal law * *. Experian is * * legally obligated * * to remove or correct inaccurate and unverifiable information and provide a meaningful, verifiable response. Their refusal to do so constitutes * * willful noncompliance with FCRA * *.

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 2025-08-28 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-08-28 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NC

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
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief