vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Complaint Against : Midland Credit Management Issue : Continued collection attempts without proper debt validation State : Pennsylvania I am filing a complaint against Midland Credit Management regarding their repeated attempts to collect on a debt from XXXX. I previously requested that they validate the debt, but they have failed to do so and continue to contact me. 

I did not retain a copy of my prior request, but I did ask them to validate the debt through [ indicate how phone, email, online portal, or just say a prior communication if unsure ]. Despite this, they continue to contact me without providing any proof or documentation to support the alleged debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I understand that debt collectors are required to cease collection efforts until the debt is properly validated. Midland Credit Management is continuing contact without meeting that obligation. 

I am now resending a written validation request and requesting that the CFPB review this issue and ensure that Midland Credit Management complies with the FDCPA. I would also like to be notified of any further collection activity until they validate the debt. 

Thank you for your time and assistance. 
Warmly, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
There is a loan taken out from this company I dont have the date of the loan however when signing the documents to accept the loan I informed them the first repayment date was outside my payday. They informed me a few days wouldnt be an issue to just call and let them know the day I am able to make the payment. The first date was the first of the month. My payday was the fourth. On the first of the month nights finance attempted 6 ACH debits of my bank account. I called and asked them to wait until payday and was told if I couldnt afford to pay the payments I shouldnt have taken out a loan. The local office was extremely rude to me. I asked for a manager to contact me and was informed thats too bad I refused to make any payments until someone above my local office contacted me. Each week following Ive recieved multiple calls per day Monday through Saturday. I answered several calls and explained what hours I worked and not to contact me and also what the laws on seven calls in a seven day period was being broken. To which I was told thats not a law and we dont care. Ive attempted to contact a district manager for the past 25 days and not been able to make exact contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-31 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: GA

Complaint narrative:
I am disputing the presence of unauthorized hard inquiries and fraudulent credit and collections accounts on my credit report. Under 15 U.S.C 1681c-2 ( FCRA 608B ). I have the right to request the blocking of information resulting from identity theft. I request that these items be removed according to my FTC report attached to this claim.

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 2025-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Deletion Insufficient Validation of Alleged Debt Dear CFPB, I am writing to formally dispute the accuracy of the account listed below in my credit report : Account Name : XXXX XXXX XXXX Re : Creditor XXXX at XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX Reported By XXXX XXXX, Equifax, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Upon my request for validation and investigation of this alleged debt, I received only a move-out statement and a digitally signed lease. No copy of my identification, Social Security number, or any of the information used in the application process was provided. The only accurate information shown was my former address, email address, and cell phone number. 

According to the CFPB lawsuit against XXXX and Equifax ( XXXX ), simply providing generic statements or incomplete documentation does not satisfy the Fair Credit Reporting Act ( FCRA ) requirements for reasonable investigation and proper validation of debts. The law clearly states that you must provide actual, verifiable evidence that reasonably establishes I am the individual who incurred the alleged debt. 
The documents provided do not establish that I am legally responsible for this debt, nor do they prove the accuracy or ownership of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Deletion Insufficient Validation of Alleged Debt Dear CFPB, I am writing to formally dispute the accuracy of the account listed below in my credit report : Account Name : XXXX XXXX XXXX Re : Creditor XXXX at XXXXXXXX XXXX  Account Number : XXXX Account ID : XXXX Reported By : Experian, XXXX and XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Upon my request for validation and investigation of this alleged debt, I received only a move-out statement and a digitally signed lease. No copy of my identification, Social Security number, or any of the information used in the application process was provided. The only accurate information shown was my former address, email address, and cell phone number. 

According to the CFPB lawsuit against Experian and XXXX  ( XXXX ), simply providing generic statements or incomplete documentation does not satisfy the Fair Credit Reporting Act ( FCRA ) requirements for reasonable investigation and proper validation of debts. The law clearly states that you must provide actual, verifiable evidence that reasonably establishes I am the individual who incurred the alleged debt. 
The documents provided do not establish that I am legally responsible for this debt, nor do they prove the accuracy or ownership of the account.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
When signing up for my card, I made the good faith assumption that when I made a payment, my available credit would be updated within a reasonable amount of time. I noticed that my available credit was taking longer than expected to be updated, and I contacted the company. I was notified by the agent that although payments are processed and debited from my account, the available credit it not updated for 14 calendar days from the date of the payment. I find this incredibly unusual for a credit card company and it makes it difficult for me to keep track of my payments and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see some inquiries on my credit report that I did not authorize and did not give anyone permission. It is fraud.

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 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am trying to do my claim for credit acceptance I had a car loan and Im owed money

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Applications were made in my name without my knowledge or consent. I do not recognize these fraudulent inquiries, nor did I authorize them. As a result, my credit report was accessed by these companies, which has negatively impacted my credit score. 

I previously contacted the credit bureau regarding this issue, and a representative assured me that these inquiries would be removed. However, they still appear on my report, causing ongoing and unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
i need this consumer/company deleted off my credit i have been having an ongoing battle with them finally was able to submit a report and show my claim. i will attach everything so you can see if it is fraudulent and needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im filing this complaint because TransUnion has once again violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ), by reinserting this account that was already deleted from my credit report earlier this year. 

XXXX Card XXXX I disputed this account way back on XX/XX/year>, and they confirmed the deletion, and in fact, they sent me a letter. Experian sent me a letter dated XX/XX/year>, stating that this account was DELETED from my file. I have that letter and will include it as an attachment. So what was that? A mistake? A joke? Or just a display to shut me up? Because now, months later, that same account is back on my credit report, with no explanation, no documentation, and definitely no notice within the XXXX requirement outlined under 15 U.S.C. 1681i ( 5 ) ( B ).

The FCRA requires two things before reinserting any deleted information : A certification from the furnisher that the info is accurate and complete. 

A written notice to me within XXXX business days of the reinsertion, explaining what was reinserted, who reported it, and that I have the right to dispute it again. 

TransUnion did neither. I didnt get a notice. I didnt get the name, address, or phone number of the furnisher. I didnt even get told that it was being reinserted at all. So what kind of reinvestigation did they do? Because it looks like they just copy or rubber-stamped this through XXXX like always, marked it verified, and hoped I wouldnt notice. 

Thats NOT how this is supposed to work. This kind of sloppy and lazy reinsertion violates the FCRAs requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). If TransUnion cant even follow the basic legal steps to reinvestigate or explain why this account is back on my report, how am I supposed to trust anything they report? Theres no transparency. No accountability. Just silence and unverified data. 

I want this account PERMANENTLY DELETED AND NEVER ADDED AGAIN. Not just temporarily removed. I also want TransUnion to provide the full reinvestigation record, including who verified this account, what documents were used, and how they determined this account was legitimate. If they cant give me that, then they have no business reporting it in the first place.

Lastly, Im demanding that TransUnion be held accountable for this. Reinserting an account without notice is a direct FCRA violation, and under 15 U.S.C. 1681n and 1681o, they can be held liable for at least {$1000.00} per violation if done willfully. At this point, it sure feels willful.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-07-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX, XXXX XXXX at XXXX I was sent a wire transfer from XXXX of XXXX XXXX. 
I waited the XXXX business days and still it had not been deposited into my account. 
I called Wells Fargo and they said they looked it up and nothing was pending to my account and there's nothing they can do for me. 
I then asked the XXXX company to send the XXXX XXXX  confirmation document to trace the wire. 
They did and for their end it said it was sent, Wells Fargo still said they can not help me. 
it is now XX/XX/XXXX and no one seems to be able to figure this out 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Calling more than one time a day and more than seven consecutive days in a row.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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