vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year>XXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Dear CFPB Team, I am submitting this complaint regarding a debt reported by Midland Credit Management, a debt collection agency located at XXXX, MI XXXX. The debt, with a balance of {$1400.00}, is reported in collections on my credit report and is associated with a rental property. The account was delinquent as of XXXX, XXXX. I have requested debt validation from Midland Credit Management in accordance with the Fair Debt Collection Practices Act ( FDCPA ), but they have failed to provide sufficient proof of the debts validity or that I am legally obligated to pay it. Under 15 U.S.C. 1681c-2, if a debt collector can not validate a debt upon request, they are required to cease collection activities and notify the credit reporting agencies to delete any adverse information related to the unverified debt from my credit report to ensure its accuracy. I am requesting that the CFPB investigate this matter, enforce the provisions of 15 U.S.C. 1681c-2, and assist in ensuring that XXXX XXXX either validates this debt or that the credit bureaus promptly remove it from my credit file. Please find attached copies of my correspondence with Midland Credit Management and relevant portions of my credit report highlighting the disputed debt. Thank you for your assistance in protecting my consumer rights and maintaining the accuracy of my credit information. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ROSS MORTGAGE CORPORATION
State: MD

Complaint narrative:
It pertaining to an apartment I used to live in. They say we owe, but we went to court, and we prove that we did not and they were supposed to take it off for credit but is still on my credit so I just wanted to get it off my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-20 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: MI

Complaint narrative:
CFPB Complaint Statement ( Revised for Urgency and Impact ) : I am a victim of identity theft and have submitted all required documentation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605C, to Experian, XXXX, and the following furnishers : XXXX XXXX XXXX XXXX and XXXXXXXX. This includes my FTC Identity Theft Report, a police report, a sworn statement of identity theft, and supporting evidence showing that the accounts in question were fraudulently opened without my authorization. 

Despite these efforts, these companies have failed to comply with FCRA 605C, which clearly mandates the blocking and removal of fraudulent information from consumer reports once proper documentation is provided. My repeated written disputes and requests for removal have either been ignored or improperly denied. These actions ( or lack thereof ) are in direct violation of federal law and are continuing to cause me serious harm, including credit denials, emotional distress, and financial hardship.

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 2025-06-20 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: MI

Complaint narrative:
CFPB Complaint Statement ( Revised for Urgency and Impact ) : I am a victim of identity theft and have submitted all required documentation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605C, to XXXX, Equifax, and the following furnishers : XXXX XXXX XXXX XXXXXXXX, and XXXX. This includes my FTC Identity Theft Report, a police report, a sworn statement of identity theft, and supporting evidence showing that the accounts in question were fraudulently opened without my authorization. 

Despite these efforts, these companies have failed to comply with FCRA 605C, which clearly mandates the blocking and removal of fraudulent information from consumer reports once proper documentation is provided. My repeated written disputes and requests for removal have either been ignored or improperly denied. These actions ( or lack thereof ) are in direct violation of federal law and are continuing to cause me serious harm, including credit denials, emotional distress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute and file a complaint regarding a fraudulent collection account that has been wrongfully reported under my name and credit file. 

On XX/XX/XXXX, I attempted to sign up for a gym membership but was denied due to a collection account that appeared on my credit report. This was the first time I had ever been made aware of any such debt. To my knowledge, I do not owe any debt to collections. 

I have made multiple attempts to contact the collection company responsible for this account. Despite my efforts, I have received no resolution, and instead was told to simply file an identity theft report which I did. However, this did not stop the ongoing confusion and inaccurate reporting. 

This collection agency appears to have tied my name to every XXXX XXXX or similar-sounding name in the system, without verifying identity details properly. 

The person allegedly responsible for this debt is listed as : XXXX XXXX, with a birthdate of XX/XX/XXXXXXXX  That is not me. 
My correct information is : XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX  I reside in Georgia Additionally, I reported the issue to the Consumer Financial Protection Bureau ( CFPB ). The response I received was mailed to my address, but referred to yet another person named XXXX XXXX with a different birthdate of XX/XX/XXXXXXXX  again, this is not me, and this individual is from a completely different state. 

At this point, I am extremely concerned that this is not just an error but may be negligence or potential fraud. The collection company has failed to properly verify identity, has given me conflicting and false information, and has caused me undue harm by damaging my credit and reputation based on information that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-20 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: TX

Complaint narrative:
I submitted multiple disputes to TransUnion requesting correction and deletion of inaccurate and unverifiable information appearing on my credit report. Despite my formal second-round dispute sent on XX/XX/XXXX, TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ). 

XXXX. Department of EducationXXXX account XXXX XXXX continues to show late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX through XX/XX/XXXX. These were not properly validated and were either inaccurately reported, unverifiable, or outside the permissible reporting period under FCRA 605 ( a ). 

XXXX. XXXX XXXX XXXX XXXX is reporting a collection account with an updated balance of {$8400.00} for XXXX XXXX. I never received proper debt validation, and the reporting was 'verified ' by TransUnion without disclosing the method of verification or any supporting documentation. This is a direct violation of FCRA 809 ( b ) and 1681i.

I submitted a verification demand under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) requesting the method of verification, name of the source, and proof. TransUnion has failed to provide this and continues to report these accounts, harming my credit and causing denial of credit. 

I am requesting that the CFPB investigate TransUnion for these repeated violations of federal law and require them to either produce full validation or delete the disputed accounts from 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 non-monetary relief
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My account 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.

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 non-monetary relief
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
My account 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.

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 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 2025-06-20 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 have disputed these items with the creditor and credit reporting agencies multiple times. 15 USC 1681s-2 and Metro 2 , in regards me the right to dispute inaccurate and unverifiable information that is on my credit report. These accounts are being reported verified and as a profit loss, these inaccuracies violate IRS reporting as well as FCRA laws. These accounts are causing harm to my personal and career health.

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 2025-06-20 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My credit report states I have no fraudulent alerts on my account but when my bank and a mortgage company try to pull my credit its states there is a fraudulent alert

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: GA

Complaint narrative:
Request for Debt Validation To Whom It May Concern, This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting * * validation and verification * * of the debt your agency claims I owe. I recently obtained a copy of my credit report and noticed an entry from your agency regarding a credit card debt. 

Please provide the following documentation : 1. * * A copy of the original contract or agreement * * bearing my signature.

2. * * The name and address of the original creditor * * and the alleged account number.

3. * * A detailed accounting of the charges * * that make up the total balance.

4. * * Verification that you are legally authorized * * to collect this debt in my state.

5. * * Proof of chain of custody * * ( how your agency acquired this debt, including purchase/transfer documentation ). 

Until this debt has been properly validated, you are required to : - Cease all collection activity. 
- Cease reporting this account to any credit bureau. 
- Mark the account as in dispute on any credit reporting platform. 

If you fail to provide proper documentation within 30 days, or continue reporting unverifiable information to the credit bureaus, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

Please send your response to the address listed above. I request that all future communications be made * * in writing only * *.

Company response to consumer: Closed with explanation