vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I mailed Midland Credit Management XXXX Inc. a written debt validation request regarding an alleged balance of {$380.00}. I requested proper documentation, including : A breakdown of the debt. 
The last billing statement from the original creditor.

A Bill of Sale, Purchase Agreement, or Assignment proving the debt was legally transferred to Midland.

A signed agreement showing my contractual obligation. 




On XX/XX/XXXX, Midland responded, but only sent a duplicate billing statement and vague language about the alleged transfer. They did not provide a Bill of Sale, assignment, or signed agreement. 



On XX/XX/XXXX, I sent a final validation demand and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), citing Sections 805 ( c ), 807, and 809. I instructed Midland to stop all collection activity and communication unless they could provide proper validation. 



On XX/XX/XXXX, Midland sent me another letter despite my cease request. It again repeated vague account information, failed to provide proof of lawful ownership, and asked me to provide documents instead. This violated FDCPA 805 ( c ) ( ignoring cease communication ) and still failed to meet 809 ( debt validation requirements ). 



On XX/XX/XXXX, I mailed a certified Final Cease & Desist notice, again demanding that Midland stop all collection activity and remove any related credit reporting. 



On XX/XX/XXXX, Midland sent me yet another letter. This letter acknowledged that I disputed credit reporting inaccuracies, but again failed to provide proof of ownership such as a Bill of Sale or signed agreement. Instead, it repeated the same vague information while continuing collection activity. This represents ongoing violations of FDCPA 805 ( c ) ( continuing to contact me after a cease request ) and 809 ( failure to validate ).

At no point has Midland provided legally sufficient validation of their ownership of this alleged debt. They continue to attempt collection and report to the credit bureaus despite my clear written disputes. 



Requested Resolution : Require Midland Credit Management to cease all collection activity. 
Remove any negative credit reporting related to this alleged debt.

Ensure Midland provides proper proof of ownership/assignment before pursuing any further collection.

Midlands conduct represents repeated violations of the FDCPA, including 805 ( c ) ( ignoring cease communication ), 807 ( false or misleading representations ), and 809 ( failure to validate ). Their handling of my dispute also raises concerns under the Fair Credit Reporting Act ( FCRA ) due to their failure to resolve or correct the reporting issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I am writing to file a formal complaint against Experian and XXXX XXXX XXXX XXXX regarding discrepancies on my credit report that continue to negatively affect my credit standing.

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 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX original payment to XXXX XXXX via his paypal invoice Transaction ID : XXXX XXXX ( no contact from XXXX XXXX ) XXXX dispute filed with XXXX conditional credit issued from XXXX to Us XX/XX/XXXX XXXX XXXX - XXXX XXXX Contacted us to work on project XXXX dispute ended by XXXX XXXX with XXXX money to be returned XXXX XXXX XXXX via Paypal ( 90 days- XX/XX/XXXX ) XXXX According to PayPal : Paypal decided the dispute in our favor ( chargeback accepted ), this never should have happened we did not file the dispute with Paypal and had dropped the dispute with our bank, XXXX 

XXXXXXXX XXXX  said money was returned this date, proved via an XXXX XXXX XXXX XXXXXXXX Paypal says that XXXX XXXX did not respond by XX/XX/XXXX that is why his money wasnt returned promptly, but it should be returned in 15 business days. 

XXXX PayPal told XXXX XXXX had not been returned to them, he forwarded us this email. 

XXXX XXXX has XXXX run a trace on the {$4000.00} we were charged and the money was found to be delivered to PayPal on XX/XX/XXXX XXXXXXXX XXXX can not help anymore as the XXXX was sent to XXXX on XX/XX/XXXX XXXX ARN was provided to Paypal so that they can trace the money XX/XX/XXXX -Checked in with Paypal, they need more time they have reached out to XXXX for more info. 

Issue summary : we paid an attorney {$4000.00} to do work on a trust will and LLC 's for us. When he failed to respond for over 2 months we filed a dispute with our credit card company, who issued us a conditional credit on XX/XX/XXXX. On XX/XX/XXXX we ended the dispute asking XXXX to please repay the attorney via Paypal. Which they did ( see attached document ). Paypal is saying they never received the money despite us providing an XXXX number showing it was delivered to Paypal. Paypal has lost the {$4000.00} we sent to lawyer. We have proof that they money has been sent and delivered via XXXX. We would like the money found ASAP. We need the issue dealt with in a timely manner at this point we have waited over 90 days to get no result. The attorney is threatening Litigation, as well as I have spent over 25 hours of my own time on this project. We would like the money returned to the attorney, or to us so that we can return it to the attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Improper collection reporting - I dispute the LVNV Funding collection. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 61 ( a ) and 63 ( a ) ( 3 ) unverifiable accounts must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I sent Capital One a formal Debt Validation Request by certified mail. I asked for a copy of the signed agreement, a full account history, proof of their legal authority to collect, confirmation that the debt was within the statute of limitations in Texas, and documentation of the required Texas debt collection surety bond. The letter was delivered on XX/XX/year>. 

On XX/XX/year>, Capital One replied but failed to provide validation. Instead, they asked for unnecessary personal information such as my full Social Security number and a copy of my credit report. I sent a second Debt Validation Request on XX/XX/year> ( delivered XX/XX/XXXX ). Capital One replied on XX/XX/year>, with another inadequate template response that still did not include the requested documents. 

I sent a Final Debt Validation Demand on XX/XX/year> ( delivered XX/XX/XXXX ) and a Final Notice on XX/XX/year> ( delivered XX/XX/XXXX ). In response, Capital One again sent template letters on XX/XX/year>, and XX/XX/year>, each stating the account was opened online or by phone and that they could not provide a paper contract or full statements. Despite this, they continue to report the account as verified to the credit bureaus. 

Meanwhile, the credit reporting agencies issued reinvestigation results stating the account was verified as accurate XXXX XXXX  on XX/XX/year>XXXX XXXX XXXX on XX/XX/year> ; and XXXX on XX/XX/year>. These verifications occurred without Capital One ever providing me with validation of the debt. 

This means Capital One is reporting and verifying an unvalidated debt, which violates both the FDCPA ( continuing collection activity without validation ) and the FCRA ( furnishing information without proper verification ). I am requesting that the CFPB require Capital One to either provide complete debt validation or remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I believed my account has not been handled in accordance with the agreed terms and I seek clarification. I was steered toward forbearance instead of providing appropriate repayment options, which increase my overall debt levels without addressing my financial assistance. I wasn't properly notified of transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
Subject : Dispute of Information Under Section 605B DearXX/XX/XXXXExperian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATEWIDE AUTO SALES
State: NV

Complaint narrative:
XXXXI am filing a dispute under the Fair Credit Reporting Act regarding the following account that appears on my XXXX  Credit ReportXXXXAccount Details (from my credit report):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus: Closed  Pays account as agreedXXXXStatus UpdatedXXXX XXXX XXXXBalance: $0\n\t\tBalance Updated: 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 XXXXThis account is reported inaccurately. I made all payments on time, the balance is XXXX and it was paid as agreed. However, the payment history is missing and showing Data Unavailable for XXXX XXXX, which creates an incomplete and misleading record.\n\nUnder the Fair Credit Reporting Act (FCRA):\n\t\t611 (15 U.S.C. 1681i): Credit reporting agencies must reinvestigate disputed information and correct or delete inaccurate or incomplete data.\n\t\t623 (15 U.S.C. 1681s-2): Furnishers are required to provide accurate information and correct any errors once notified of a dispute.\n\t\t605 (15 U.S.C. 1681c): Negative information cannot be reported beyond statutory time limits.\n\nI am not requesting the deletion of this account. I am only requesting that the inaccurate and incomplete reporting of my payment history be corrected to accurately show my on-time payments and XXXX  balance.\n\nPlease conduct a full reinvestigation and provide me with written confirmation once the correction has been made.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
Aargon Agency , Inc reported a collection account toXX/XX/XXXX in the amount of {$130.00}. I received an alert of this. This account does not belong to me. I reached out to Aargon Agency , Inc. via their website to ask for supporting documentation of this collection accont and have not received a response. 

The address and phone number of this collection agency is below : Aargon Agency, Inc XXXX XXXXXX/XX/XXXX XXXX ( XXXX ) XXXX The original creditor was reported as : 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 2025-09-21 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: MS

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Se

ction 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAUDU
LENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Iam filing a complaint against capital one regarding the deceptive practices related to there 360 high yield interest savings accout.capital one misrepresented the 360 savi gs accounts having o e of the nations highest interest rate yet failed to notify account holders about the superior rates offered by the 369 performance 360 account this diliberate obscurityand lack of transparency violated consumer trusting resulted in significant financial loss for many.breaching the consumer financialprotection act and they ruthless in savings acti seek reddressfor the misleading practicesand failure to fulfill thier advertised promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MA

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 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 2025-09-21 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: MA

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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The inquiry by Pen Fed Credit Union was unauthorized by me, that is not legitimate application.. The inquiry was on XXXX XXXX I was send letter to PEnfed and call but no response

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 2025-09-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My Personal information was exposed to XXXX XXXX Breach and my identity was stolen and i do not recognize these accounts listed Below : XXXX Account : LVNV FUNDING LLC XXXX Address C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$470.00} Pay Status >Collection< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account. 
Account Name Loan Type XXXX XXXX XXXXCCOUNT Balance {$650.00} Date Updated XX/XX/XXXX High Balance {$650.00} Past Due {$650.00} Pay Status >Collection<

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NE

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 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