vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Midland Funding is currently reporting Account Number : XXXX with XXXX different balances across the credit bureaus : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : {$3900.00} This discrepancy violates the requirement of 15 U.S.C. 1681e ( b ), which mandates that furnishers maintain maximum possible accuracy when reporting consumer data. Furthermore, this debt was never verified. When I contacted the original creditor allegedly associated with this account, they were unable to confirm either balance, raising further doubt about the validity of the debt.

Midland has a known history of purchasing old debts for pennies on the dollar and pursuing collection efforts against the wrong individuals. In multiple cases, Midland has filed false affidavits without documentation proving ownership of the debt or a contractual relationship. In this case, no such documentation has been provided to me to verify the legitimacy of the debt.

Under the FDCPA, when a consumer disputes a debt, the collector is required to investigate and verify the debt. If they can not, they are obligated to cease collection, correct adverse credit reporting, and refrain from reselling the debt. The presence of two different balances on my credit reports demonstrates Midland 's failure to conduct any reasonable investigation.

To avoid further harm and legal liability, I am demanding the immediate deletion of this account from all credit reporting agencies. Midland Fundings reporting practices are damaging, misleading, and in direct violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO XXXX XXXX XXXXI - XXXX, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX  USC XXXX. XXXX  -- Account Number : XXXX XXXX XXXX XXXX  section XXXX  A. States I have the right to privacy.

XXXX XXXX XXXX section XXXX A Section XXXX  : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX XXXX XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX XXXX XXXX XXXX A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am a victim of identity theft, which has led to the inclusion of unauthorized and inaccurate information on my credit report with Experian. My personal identification details, including my Social Security number, have been used without my permission. As a result, fraudulent accounts and inquiries have been reported, damaging my creditworthiness. These items were added to my file without proper verification or my consent. Despite prior requests for correction, Experian continues to report these inaccuracies. I am not requesting a fraud alert, but I am demanding the immediate removal of all fraudulent accounts and inquiries from my credit report.

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 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I used Affirm to finance an XXXX XXXX purchased from XXXX. The item was marked as delivered by XXXX on XX/XX/year>, but I never received it. I filed a police report ( Report # XXXX ) for stolen property. My home security cameras showed no delivery was made at the time listed in the XXXX tracking. No signature was required for this high-value item, and despite my multiple efforts, XXXX  has refused to release GPS delivery data. 

I contacted XXXX, XXXX, and Affirm immediately. All three companies closed the case within days and denied my requests for investigation or resolution. Affirm continued to show the loan as active and overdue. To protect my credit, I paid the amount in full and filed a chargeback through my bank. Affirm still reflects a balance and has made no effort to acknowledge the dispute or remove the charge. 

I have provided proof of attempted resolution, the police report, camera review, and my payment history. This has been mentally and financially draining, especially as I just started a new job and am recovering from financial hardship. 

I am requesting that Affirm be required to remove this charge, close the loan, and ensure no negative credit reporting occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MS

Complaint narrative:
Subject : Complaint Against Student Loan Servicer for Misconduct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> U.S. Department of Education MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Account Number : XXXX Type of Loan : Federal Loan Nature of Complaint : Select all that apply : Incorrect loan balance reported Misapplied or missing payments Wrongful denial of repayment plan ( e.g., Income-Driven Repayment ) Failure to process loan forgiveness or discharge requestsX Inaccurate reporting to credit bureaus Unlawful collection practices Other : [ Describe ] Description of the Issue : I noticed on my credit report my student loan balance was list as {$410000.00} Supporting Documents ( If Applicable ) : Payment records Loan statements Email/chat transcripts with servicer Denial lettersX Credit report showing errors Other : [ Specify ] Desired Resolution : I request that Mohela correct my loan balance, apply my payments accurately, and approve my repayment plan as per federal regulations. Additionally, I request confirmation in writing that these corrections have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding the way XXXX XXXX is reporting a charged-off account on my credit report. The account in question has been charged off ; however, it continues to reflect a current balance due and/or a past-due balance, which is inconsistent with the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, specifically 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information to consumer reporting agencies. A charged-off account is considered a closed and written-off debt for accounting purposes. Therefore, it should not continue to show a balance due, as doing so misrepresents the status of the account and misleads potential creditors and other users of my credit report.

It is my understanding that once a debt is charged off, the creditor can no longer report it as a current or outstanding balance. The account should be u
pdated to reflect a {$0.00} balance and no current or past-due balance should be shown.

I am requesting that the CFPB investigate this matter and ensure that First Premier corrects the inaccurate reporting in accordance with the FCRA. This misreporting is causing harm to my creditworthiness and may result in further financial impact if not corrected promptly.

Please advise if any additional documentation or information is needed to move forward with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
I am submitting this complaint regarding the way XXXX XXXX is reporting a charged-off account on my credit report. The account in question has been charged off ; however, it continues to reflect a current balance due and/or a past-due balance, which is inconsistent with the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, specifically 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information to consumer reporting agencies. A charged-off account is considered a closed and written-off debt for accounting purposes. Therefore, it should not continue to show a balance due, as doing so misrepresents the status of the account and misleads potential creditors and other users of my credit report.

It is my understanding that once a debt is charged off, the creditor can no longer report it as a current or outstanding balance. The account should be u
pdated to reflect a {$0.00} balance and no current or past-due balance should be shown.

I am requesting that the CFPB investigate this matter and ensure that First Premier corrects the inaccurate reporting in accordance with the FCRA. This misreporting is causing harm to my creditworthiness and may result in further financial impact if not corrected promptly.

Please advise if any additional documentation or information is needed to move forward with this investigation.

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 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was not contacted by Nelnet about my student loan balance until they put my account into delinquency. I have now received multiple hits to my credit that has dropped my credit score by around 115 points. I set up a payment schedule with Nelnet, and have brought my account up to date, but I am still getting hits to my credit that is tanking my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding the way XXXX XXXX is reporting a charged-off account on my credit report. The account in question has been charged off ; however, it continues to reflect a current balance due and/or a past-due balance, which is inconsistent with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information to consumer reporting agencies. A charged-off account is considered a closed and written-off debt for accounting purposes. Therefore, it should not continue to show a balance due, as doing so misrepresents the status of the account and misleads potential creditors and other users of my credit report.

It is my understanding that once a debt is charged off, the creditor can no longer report it as a current or outstanding balance. The account should be updated to reflect a {$0.00} balance and no current or past-due balance should be shown.

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccurate reporting in accordance with the FCRA. This misreporting is causing harm to my creditworthiness and may result in further financial impact if not corrected promptly.

Please advise if any additional documentation or information is needed to move forward with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
I am submitting this complaint regarding the way XXXX XXXX is reporting a charged-off account on my credit report. The account in question has been charged off ; however, it continues to reflect a current balance due and/or a past-due balance, which is inconsistent with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information to consumer reporting agencies. A charged-off account is considered a closed and written-off debt for accounting purposes. Therefore, it should not continue to show a balance due, as doing so misrepresents the status of the account and misleads potential creditors and other users of my credit report.

It is my understanding that once a debt is charged off, the creditor can no longer report it as a current or outstanding balance. The account should be updated to reflect a {$0.00} balance and no current or past-due balance should be shown.

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccurate reporting in accordance with the FCRA. This misreporting is causing harm to my creditworthiness and may result in further financial impact if not corrected promptly.

Please advise if any additional documentation or information is needed to move forward with this investigation.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Summary of Incident : We reserved XXXX passenger vans online for a group of XXXX people through XXXX XXXX XXXX XXXX XXXX for XXXX dates November XXXX XXXX. The pickup was scheduled at XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX 

XXXX days before our trip, XXXX XXXX XXXX canceled our reservation and referred us to XXXX XXXX XXXX XXXX XXXX, who agreed to rent us XXXX vans for the same dates at a total cost of USD {$500.00} ( all-inclusive ). We paid this amount in cash at the time of delivery at XXXX XXXX XXXX. 

At the time of delivery, XXXX XXXX XXXX XXXX XXXX requested a guarantee deposit of XXXX XXXX XXXX ( USD {$4700.00} ) per vehicle, supposedly as a hold to ensure the vans would be returned in good condition. We ( myself and XXXX XXXX ) provided our XXXX Citi Cards for this purpose. However, instead of placing a hold, they charged the full amount on our credit cards. 

We returned both vans on time, in perfect condition, with full fuel tanks, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agents confirmed the return and condition of the vehicles. At the time of return, they asked for XXXX XXXX XXXX as a deposit for any possible infractions or tickets. We negotiated this down to XXXX XXXX XXXX, which XXXX paid using his XXXX XXXX credit card. They promised the guarantee charges would be reversed within XXXX business day. 

Despite multiple follow-ups, the guarantee charges were never refunded. 

Worse, in response to our billing dispute, they now claim to be a carpentry company called XXXX XXXX XXXX and submitted what appears to be a fake contract for carpentry services at XXXX XXXX XXXX, XXXX XXXX XXXX, with forged signatures. 

It appears that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have worked together in this fraudulent scheme.

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 monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A transaction was posted to my Wells Fargo account on XX/XX/year> for XXXX at XXXX * XXXX XXXX * XXXX. It was later deleted from my account activity, but I never received a refund or credit. When I called on XX/XX/year> after receiving notice of a refund from XXXX, I contacted Wells Fargo for an update and they stated they see a refund pending and it should take 7-10 business days to clear. Everytime I called I was told the same thing. 

On XX/XX/XXXX, I realized I still was not refunded my money. When I contacted Wells Fargo, they denied the transaction ever occurred since its no longer on my statement. However, I personally saw it post to my account before it disappeared. I have been given no resolution, no investigation, and no credit for the funds. 

I am requesting a full investigation, refund of the missing funds, and confirmation that this issue will be resolved.

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 2025-04-24 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: NY

Complaint narrative:
This letter serves as my final demand for the immediate deletion of the disputed account which is inaccurately and unlawfully reported on my credit file.

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