vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a {$2600.00} collection account to XXXX  and XXXX  without ever providing written validation or proof that this debt exists or that they have the legal right to collect it. 
I have been disputing this account for over 60 days, both in writing and through the credit bureaus, yet Midland continues to report the account as Account Not in Dispute. This is false and constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Compliance Standards. 
Under federal law : FCRA 607 ( b ) : CRAs must assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report data they knowor should knowis inaccurate.

FCRA 623 ( a ) ( 3 ) : Once notified, the furnisher must report the account as disputed.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable information must be promptly deleted.

Additionally, the FDCPA 809 ( a ) mandates that collectors provide written validation within five days of initial communication. I have requested written validation multiple times, both by mail and over the phone, but Midland has refused to provide any documentation.

Midland representatives have also made repeated, harassing phone calls and have threatened legal action if payment is not made. These threats are false and violate FDCPA 807 ( 4 ) and 807 ( 5 ), which prohibit deceptive or misleading representations and any threat to take legal action that is not actually intended.

Midlands continued reporting of this account without validation or dispute notation violates FCRA and XXXX XXXX Standards XXXX, XXXX, and XXXX, which require furnishers to maintain factual documentation and correct dispute coding ( XXXX  Consumer Disputes Investigation in Process ). This is a XXXX XXXX factual-dispute complaint, not an identity-theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: OH

Complaint narrative:
I am writing to file a formal complaint and dispute regarding the inaccurate reporting, servicing, and collection of my federal student loan ( s ). I believe my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related federal regulations have been violated by the student loan servicer ( s ) and/or credit reporting agencies. 

I have reviewed my credit report ( s ) and loan servicing records and found errors and inconsistencies concerning my government student loan accounts. Specifically : The accounts are being reported inaccurately ( e.g., incorrect balances, status, payment history, or delinquency dates ).

Some reported information does not match the records from the XXXXXXXX XXXX XXXX XXXX 
Attempts to resolve these issues directly with the servicer have been unsuccessful. 
These inaccuracies are negatively affecting my credit profile and financial well-being. 

Under federal law, I am entitled to : Accurate credit reporting under 15 U.S.C. 1681e ( b ) ; Fair dispute investigation and correction under 15 U.S.C. 1681i ; Proper loan servicing as regulated by the CFPB and XXXXXXXX XXXX XXXX XXXX ; and Relief from any false, outdated, or misreported student loan information. 



Requested Action I respectfully request that the Consumer Financial Protection Bureau : 1. Conduct an investigation into the reporting and handling of my federal student loan ( s ).

2. Require the loan servicer ( s ) and/or credit reporting agencies to correct or delete inaccurate information.

3. Ensure compliance with FCRA and CFPB student loan servicing regulations.

4. Provide a written response summarizing findings and corrective action.

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 2025-11-09 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: OH

Complaint narrative:
I am writing to file a formal complaint and dispute regarding the inaccurate reporting, servicing, and collection of my federal student loan ( s ). I believe my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related federal regulations have been violated by the student loan servicer ( s ) and/or credit reporting agencies.

I have reviewed my credit report ( s ) and loan servicing records and found errors and inconsistencies concerning my government student loan accounts. Specifically : The accounts are being reported inaccurately ( e.g., incorrect balances, status, payment history, or delinquency dates ). 
Some reported information does not match the records from the XXXX XXXX XXXX XXXX. 
Attempts to resolve these issues directly with the servicer have been unsuccessful. 
These inaccuracies are negatively affecting my credit profile and financial well-being.

Under federal law, I am entitled to : Accurate credit reporting under 15 U.S.C. 1681e ( b ) ; Fair dispute investigation and correction under 15 U.S.C. 1681i ; Proper loan servicing as regulated by the CFPB and U.S. Department of Education ; and Relief from any false, outdated, or misreported student loan information.

Requested Action I respectfully request that the Consumer Financial Protection Bureau : 1. Conduct an investigation into the reporting and handling of my federal student loan ( s ).

2. Require the loan servicer ( s ) and/or credit reporting agencies to correct or delete inaccurate information.

3. Ensure compliance with FCRA and CFPB student loan servicing regulations.

4. Provide a written response summarizing findings and corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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:
XXXX XXXX {$15000.00} XXXX {$770.00} XXXX XXXX {$620.00} XXXX XXXX {$1100.00} I have never been associated with ANY of these companies. My information was leaked in multiple data breeches and due to these breeches my information has been leaked. I have been working tirelessly to correct this with no resolve, please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I requested items to be deleted off my credit report due to several errors that were reported on my credit report. They didn't remove the items despite the fact that all the errors were pointed out in the letter and no way they could have properly verified these accounts and not remove them as they go against several FCRA, FDCPA and Metro2 reporting 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 2025-11-10 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: FL

Complaint narrative:
I requested items to be deleted off my credit report due to several errors that were reported on my credit report. They didn't remove the items despite the fact that all the errors were pointed out in the letter and no way they could have properly verified these accounts and not remove them as they go against several FCRA, FDCPA and Metro2 reporting 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 2025-11-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
Bridgecrest XXXX  is still reporting differently across all three credit reports. One says the account is open and it has been closed for a year. The comments do not match whatsoever. They have posted false information on XXXX  that they wrote off XXXX dollars which they never did. They received payment from insurance. They continue to lie on the reports. I want this removed from my credit report. They are violating 15 us code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MI

Complaint narrative:
I wrote to Transunion to correct errors on my credit report, but I havent seen any changes yet. Please review the documents and letter I provided about these issues.

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 2025-11-09 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: WA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account 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 2025-11-09 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: VA

Complaint narrative:
This is a Metro 2 factual dispute against all three credit bureaus for their continued reporting of unverified and inaccurate late-payment information from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX . 
Each of these tradelines is still being reported as Account Not in Dispute, which is false. I have filed multiple disputes with the bureaus and directly with the furnishers over the past 60 days, yet none of these companies have produced any actual documentation or validation to support the alleged late payments.

Under FCRA 607 ( b ), the credit bureaus must ensure the maximum possible accuracy of every item they publish. Under FCRA 623 ( a ) ( 3 ), furnishers are legally required to report an account as in dispute once notified by the consumer. Continuing to publish these tradelines as undisputed violates both provisions.

Furthermore, neither the bureaus nor the furnishers have produced any bank statements, billing records, or payment ledgers showing that a late payment ever occurred. Without documentary proof, these negative marks are hearsay data not verified facts and violate FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation supported by evidence.

According to the Metro 2 Compliance Manual 4.2.2, 4.3.1, and 6.2.1, furnishers and CRAs are obligated to maintain complete and verifiable documentation for any derogatory or delinquency code ( such as 30/60/90-day late ). Reporting unverifiable information for over 60 days after a formal dispute is willful noncompliance with both Metro 2 standards and the FCRA.

These disputes are not identity-theft claims and are not filed by any credit-repair company. They are factual, direct disputes submitted by me, the consumer. The bureaus continued reporting without verification demonstrates reckless disregard for federal law and consumer-reporting accuracy obligations.

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 2025-11-09 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: CA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-09 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: CA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime sai I owed my pay of XXXX I disputed it they did investigation after a few months of investigation refunded my money they took now they taking my money again they have taken XXXX $ so far as soon as I make a deposit they take it for my pay and I don't and haven't used my pay since I worked at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 8 late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statement showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Financial Services Solutions, Inc.
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am submitting a formal complaint regarding Beyond XXXX XXXX XXXX XXXX, with whom I enrolled in a debt-consolidation program for my XXXX XXXX account. 



Summary of events : XXXX XXXX balance : {$27000.00} Settlement negotiated by the company : {$20000.00} Company charged : {$6700.00} in program or performance fees Total cost of program : approximately {$26000.00}, which is nearly equal to my original debt. 



When I enrolled, I was told the program would significantly reduce my overall repayment amount. I was not informed until later that the companys fee structure would offset nearly all of the benefit of the negotiated settlement. I was advised by company representative to allow my account with XXXX to go delinquent and the estimated XXXX reduction with Beyond would be XXXX. 





Now that a settlement contract has been finalized, the actual debt reduction amounts to only approximately {$250.00} under the current agreement. The company states that it offers a no worse off policy ; however, this policy has not been provided in writing nor clearly defined, and it appears to be determined solely at Beyonds discretion regarding what qualifies as worse off.

I believe I was poorly advised by Beyond Debt Consolidation, as I had only one credit account that was not delinquent at the time I enrolled in the program. I should have been counseled to contact XXXX directly to explore a XXXX XXXX, which would have been a more appropriate and cost-effective option for managing and paying down this debt. Instead, I was misled into entering a contract that primarily served the financial interests of Beyond Debt Consolidation rather than providing a genuine benefit to me as the consumer. 





I believe the companys disclosures and fee structure may be inconsistent with the Federal Trade Commissions Telemarketing Sales Rule ( 16 CFR 310 ), which governs the timing and calculation of debt-settlement fees. I respectfully request that the Consumer Financial Protection Bureau review this companys practices for compliance and require the company to issue a refund or appropriate adjustment for the excessive fees assessed in connection with this transaction, which provided little to no financial benefit to me as the consumer. Please let me know which supporting documents you require in order to proceed with this process. 



Thank you for your time and for any assistance you can provide. Please confirm receipt of this complaint and advise if additional information is needed. 



Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate, unverifiable, outdated, and/or incomplete information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.I demand the XXXX XXXX immediate investigation and permanent deletion of the disputed items listed, as they violate multiple provisions of the FCRA XXXX Failure to comply with federal law will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for damages as permitted under XXXX XXXX 15 U.S.C. 1681n XXXX XXXX and * * 1681o XXXX XXXX

The following items on my credit report are inaccurate, unverifiable, outdated, or incomplete, in direct violation of the FCRA : 1. Account : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Violation : Inaccurate and unverifiable information under XXXX XXXX  15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX XXXX  and XXXX XXXX 1681e ( b ) XXXX XXXX 
- Details : This account is reported as delinquent, but I have no record of this account XXXX XXXX XXXX. or any contract with The information is unverifiable as the creditor has not provided documentation proving the debt 's validity. 
- Demand : Immediate deletion due to failure to verify the accuracy of this information.

Company response to consumer: Closed with explanation