vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To : Midland Credit Management , Inc. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX and Encore Capital Group , Inc.

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Subject : Debt Validation Request under 15 U.S.C. 1692g Notice to Cease Reporting Until Full Validation Is Provided To Whom It May Concern : This letter is the 3rd formal request for full validation of an alleged debt you are reporting to the credit bureaus in my name. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I am disputing the validity of this alleged debt, and I request that you provide me with the complete and legally required validation documents, including but not limited to : A copy of the original signed contract or application bearing my signature A complete itemized breakdown of the total amount allegedly owed The name and address of the original creditor, and proof the debt was sold to Midland A full payment history showing how the alleged balance was calculated Proof you are licensed to collect debts in my state ( New Jersey ) Documentation that ties this debt directly to me and not another individual Additionally, under 15 U.S.C. 1692g ( b ), you must cease all collection activity and stop reporting this account to any credit bureau until you fully validate the debt.

Please also be advised that this account is subject to an active FTC Identity Theft Report and complaint under the FCRA 605B, and I have reason to believe this account was reported in error or as a result of fraud.

If you are unable to validate this debt with the required documentation, you must cease collection and delete this account from all credit reporting agencies immediately. Continuing to report an unverifiable debt is a violation of both federal law and my consumer rights.

You are also instructed not to contact me by phone. All communication must be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: PR

Complaint narrative:
I noticed several inaccurate and damaging items being reported on my credit file that do not reflect my actual credit history. Some of the accounts are being reported as derogatory even though they show a zero balance or have long been closed, such as accounts from XXXX, XXXX, and XXXX. Others, like XXXX XXXX XXXX and XXXX XXXX XXXX, are either duplicated or lack proper validation from the original creditor, and in some cases appear to be re-aged or inflated, which is a violation of the Fair Credit Reporting Act. I also found an unauthorized hard inquiry from XXXX dated XX/XX/year>, which I did not approve or initiate. Additionally, there are multiple variations of my name and addresses being reported that are incorrect and do not belong to me, increasing the likelihood of file mixing or identity confusion. These inaccuracies are negatively impacting my credit profile and were never addressed in my initial dispute. I am now formally requesting a thorough reinvestigation of each item and demand the immediate correction or deletion of any entry that can not be fully verified with accurate and complete documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally follow up on my previous complaint submitted via the CFPB XXXX on XX/XX/XXXX ( Complaint ID : XXXX ), regarding the unauthorized credit card account ending in XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, and charged off with a balance of {$690.00}. 
Despite my submission of a detailed identity theft report to the FTC, activation of a fraud alert with the credit bureaus, and provision of supporting documentationincluding government-issued ID and FTC affidavitthis account remains improperly associated with my credit profile.Summary of Prior Actions : FTC Identity Theft Report submitted and attached Fraud Alert initiated with all major credit bureaus Supporting Documentation provided via CFPB portal ( license, affidavit, account summary )

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 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On Friday, XXXX EST I could not log into my Credit Karma account - I wanted to check what interest was posted on XX/XX/year>. This is something I do monthly, as well as accessing my credit score. I got caught in a revolving door where the site wanted to send a text to my landline, which is associated with the account. It offered to change my phone number, but I could not as it would not recognize it. I was getting error messages so I did a chat. The rep wanted me to verify who I was to change my phone number- I became concerned and also received an email stating that my account email had been changed at my request, which I did not request. This rep could not tell me why I got that or what the problem was and ended the chat. I made the first internal complaint with a case number and was promptly asked what the last 4 of my social were and that they would promptly help me and I never heard anything back. I made a second complaint with them, got another case number, and was assured I would be helped and asked for the last 4 of my social again. I heard nothing. I then made a third internal complaint with a case number, assured again I would be helped, asked for my last 4 social and did not receive any response. To say I was in distress is an understatement because I could not access my savings account. I also tried to sign in with a code sent via email, but would get pushed back to the texting to my landline page again. Also pushed the option for calling me instead of texting and it would not validate my landline number, which was associated with the account, nor would it allow me to change to my cell phone number. Nothing was resolved last night. I started a chat this morning and got an excellent rep. I did have to go through the verification process to change my number, which I did do, but she had to leave the chat so I got another good rep, XXXX. The first rep sent me a link that I could get into my account and change my landline to my cell so codes could be sent. Then I got locked out of my account again. Finally, after several attempts, I was able to change my phone number and get into my account. I made them aware of this and have yet to receive acknowledgement ; however, I did inform them that I would be filing a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
Experian is reporting false and fraudulent data in violation of FCRA 1681e ( b ), 1681i ( a ), 1681b ( f ) and XXXX standards. My FTC Identity Theft Report # XXXX proves these accounts and inquiries are identity theft. Remove all late payment notations and mark XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  as Paid as Agreed/Current. Delete unauthorized inquiries from XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ). Payment histories conflict between CRAs, making them legally inaccurate. 

I have sent Experian formal written disputes demanding deletion of all false late payments ( accounts marked Paid as Agreed / Current ), removal of unauthorized inquiries, and correction of my personal information. Experian has not complied, continuing to publish and verify inaccurate and fraudulent 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 2025-08-02 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX - Date Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: KS

Complaint narrative:
I signed up under a promotion where I was to receive {$200.00} XXXX business days after direct depositing {$400.00}. I direct deposited {$400.00} on both XX/XX/year> and XX/XX/year> and have received no bonus. After approaching the company and sending several e-mails and responding to requests for information, I have still received no bonus.

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 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I opened a cell phone account with XXXX in XX/XX/XXXX XXXX days later I returned all of their equipment because XXXX was offering the exact same products at a way cheaper price. As a result, I returned their XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. They gave me a meager refund of {$74.00} after taking from me XXXX of my older phones XXXX days prior and provided me a receipt for the return of their items. Despite this XXXX XXXX XXXX has illegally damaged my credit and is now being reported as a debt when in fact I do not owe them at all. The receipt shows a restocking fee to proved they are illegally reporting this as a debt of {$2100.00} from me to date when they already have all of their equipment. Obviously, CBE Group INC apparently bought this false debt from XXXX and has damaged my credit extensively with all three credit agencies. HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank Of America has been neglecting my account. Ive asked him numerous of times for an update on my dispute and I still have yet to get an answer. They are going outside of their contract. They had up to 45 days to come up with a resolution for my check and still have yet to do so This is financially detrimental on my end. I do have financial responsibilities to take care of. I do not have time to keep fighting with a bank and doing their job for though Ive given them way more paperwork than they have sent out to me, which is a problem. They do not update me on much. I always call into update Myselfon whats going on with my account now here we are. Ive been told no more times to give it XXXX to XXXX hours after they put in an escalation request. on whats going on with my account now here we are. Ive been told no more times to give it XXXX to XXXX hours after they put in an escalation request I still have no answers. I just called in today and was told that they still do not have an answer if the contract says that they have up to 45 days to come up with an answer and now here we are two weeks later and I still dont have an answer. I want my money sent out to me. Im tired of this last time something like this happened they sent me a check in the mail While the investigation was still pending. I did not have a problem with that that dispute was settled once that checked with Cashed I feel like this is a never-ending problem for me and I really dont understand who would take a person through all of this financial harm. I honestly do wish it never happened in the first place because now Im suffering behind something I had nothing to do with in the first place but here I am left to clean up and put the pieces back together. Im asking for the bank to release my phone. Give me my money so I can end this situation. This has been going on for a couple of years now Im tired going back-and-forth with this Bank I need resolution I need help and one thing for sure is that Bank Of America is not on . Its consumer side its honestly sad to say, but it feels like they work more with the criminals or the ones thats taking from their customers rather than helping their customers get their money. Im tired of calling again and still getting no answer. Im tired of not having a resolution to end all of this mess. I just want my check expeditiously sent to my me immediately I do not think it is fair that consumers have to suffer because the bank is doing whatever they want to do and they are not even following their contract or their own rules. No wonder I was defaulted. This is not cool at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Equifax XXXX XXXX refuse to release the information that I requested twice. there statement enclosed of refusal for this account can not be legally verified under FDCRA an FCRA I have a legal right to this information, do not send me we contacted the furnisher that is not verification or method of verification, the document from CFNA is enclosed that all that is needed to remove this account legally requested forward flow agreement, chain of assignment securitization IRS, XXXX XXXX XXXX trust copy Respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX Truist bank was doing an investigation of fraudulent activities on my account checks that were deposit in my account without my knowledge. The annalist kept moving the dates ( XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to let me know what was going on with the case so after finally making a decision on XX/XX/XXXX, they decided to close my account, but because of doing so I was unable to stop my direct deposit from my employer. This is a major setback as not only I can't get my funds that was in the account and now I have to wait for my employer to receive the funds from the rejection of the direct deposit. I have not been able to get any funds for the last couple weeks, and I work hard, and they don't understand that. This has caused all payments for car, mortgage to have intensive late fees to be added and also no funds for gas of food. I really can't remember now I much they were supposed to send, I know its somewhere in the amount of {$1400.00}, plus {$10.00} in my saving account. I just think it's unfair on how they treated this situation. When speaking with the XXXX this morning, XXXX told me that my check was put in the system for XXXX the XXXX and would be mailed on XX/XX/XXXX. I do have a recording of that conversation.

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 2025-08-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 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 XXXXXX/XX/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 2025-08-02 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX  XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report.

Therefore, the continued presence of these accounts constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this 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