vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Management ( MCM ) sent me a letter stating that they had purchased my debt from XXXX XXXX This was a charge off that I paid in XXXX. Alabama Statute of Limitations is XXXX  years for debts except for Federal debts. The letter states that I have to contact them by XX/XX/XXXX to pay in full or set up a payment plan or they will sue me and ruin my good credit. This is for a bill that is XXXX XXXX XXXX and the charge off has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I have filed several disputes on late payments on my account and inaccurate accounts on my credit report. After XXXX  days I have no yet heard from the agencies when I contacted them they said it was verified and representative said they will file another dispute. Also I on their website everything is inaccurate because it has XXXX collections in XXXX bureau and when I called for them to look at my account they verified that it was only XXXX collections and if the account was deleted why wasn't I notified and my report reflect it. This is causing a lot of distress going back and forth and nothing is deleted and score either the same or decreasing. I also had an account Disputed and they turn around and added XXXX dolalrs to teh account balance

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Ok I went to a dealer. And they asked XXXX for the truck. I payed XXXX. 2 months later they repoed the truck. And let some random person get it out tow yard. I have not seen the truck since. They say I owe them XXXX dollars.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am submitting this formal complaint because XXXX failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I filed over 30 days ago. On XX/XX/year>, I sent a written dispute challenging the accuracy and completeness of the following account ( XXXX ) on my credit report : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the credit bureau is required to conduct a reasonable reinvestigation and respond to the consumer within 30 days. It has now been more than 30 days, and : XXXX. I have not received any written confirmation of investigation results XXXX. OR : I received a response, but it failed to include proper verification documentation, or the reinvestigation was incomplete and insufficient Additionally, continued reporting of inaccurate or unverifiable data violates : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified FCRA 616 & 617 Willful or negligent noncompliance with FCRA obligations I have acted in good faith and provided all relevant documentation. This noncompliance has negatively impacted my credit, and I am requesting that the CFPB take regulatory action to ensure my rights are upheld.

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 2025-05-10 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:
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 2025-05-10 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:
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 non-monetary relief
Consumer complaint received 2025-05-09 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: OH

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On or about XX/XX/XXXX, a hard inquiry from JPMCB Card ( Chase ) was placed on my credit report, currently showing on XXXX and scheduled to remain until XX/XX/XXXX. I want to clarify that while I do have an existing credit card account with JPMorgan Chase, I did not submit any new credit application, request a credit limit increase, or authorize any action that would require a new hard inquiry at or around that time. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a permissible purpose must exist for a credit inquiry, even where a consumer has an existing relationship. Access to a credit file for promotional, account review, or other purposes that do not involve a new credit request must be done as a soft inquirynot a hard inquiry. 

I have received no explanation or disclosure from JPMorgan Chase regarding this hard pull, and without a valid permissible purpose ( such as an actual credit application ), this inquiry appears to be unauthorized and in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LA

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 2025-05-10 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am submitting this as a follow-up to my original complaint concerning Portfolio Recovery Associates , LLC ( XXXX ) and its continued furnishing of information regarding a disputed tradeline ( account ending in XXXX ) after I had issued a clear refusal to pay. 

In XXXX XX/XX/year>, response, they state : We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. 

Yet despite this representation, the tradeline continues to appear on my credit reports. 

This raises a fundamental concern : if XXXX has ceased all communications, why is it continuing to report the account? Credit reporting is a communication with consumer reporting agencies that functions as a powerful tool of collection. Courts and regulators have acknowledged that furnishing derogatory credit information is often intended to pressure consumers to pay. At minimum, it maintains reputational damage that would not otherwise exist but for the collectors choice to continue updating or maintaining the tradeline. 

The contradiction here is not trivial. XXXX can not have it both waysclaiming to have ceased communication under 15 U.S.C. 1692c ( c ), while simultaneously engaging in activity that is functionally and legally understood to be a communication related to the debt. The result is ongoing consumer harm despite the collectors formal assertion that it is no longer pursuing the account. 

Moreover, XXXX  position that validation was provided and resolved the dispute is not supported by the content of the XX/XX/year>, documentation, which failed to provide meaningful verification and did not cure the central issue : the disputed tradeline remains inaccurate and continues to harm my credit profile. 

I am documenting this as an individual consumer who has experienced what appears to be evasive or inconsistent collection practices. While I understand that the Bureau may not intervene on every single complaint, I believe this case reflects a microcosm of a broader pattern where debt collectors : Make facially compliant but functionally misleading representations, Continue collecting via indirect methods after a 1692c ( c ) refusal, Use credit furnishing as leverage despite asserting they've ceased communication. 

I hope this submission will aid the CFPB in recognizing behavioral patterns across complaints and furnish relevant insights for your supervisory role. Thank you for maintaining a forum where consumers can flag these contradictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
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 2025-05-10 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:
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 non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
XXXX  and TransUnion are reporting a charged-off account for XXXX XXXX XXXX with a balance of {$200.00}, which I formally disputed on XX/XX/2025. Despite my dispute, XXXX  responded claiming that this item belongs to you without providing any supporting legal documentation or complete validation of the account, which is required by federal law.

Because this account is reported as charged-off, I formally requested : The IRS Form 1099-C, as required under 26 U.S.C. 6050P, if the debt was canceled or forgiven.

Full debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including : A copy of the signed contract, Full account history, A breakdown of charges and fees, Proof of legal authority to collect or report this debt.

Despite my request, no documentation was provided. Continuing to report this account without proper validation or required tax documentation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ) and the FDCPA ( 15 U.S.C. 1692g ).

I am requesting that this account be fully validated or immediately deleted from my credit report if legal validation and tax documentation can not be provided.

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 2025-05-09 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never done business with XXXX. They may have acquired XXXX my student loan provider ; however, I have not received a bill from either XXXX or XXXX. I do not have any idea what they are saying I should be paying them monthly to even make a payment to them. 

I am currently unemployed. It is extremely stressful and unfair to be bombarded with this false information on my credit report over the last 2 days with claims that I have foregone my payments for 3 months. 

There must be some legal requirement to first ask for payment before you can claim that I have failed in my duties and to make this claim for the last 3 months all at once as an initial conversation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation