vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
Subject : Formal Dispute Re-aged and Inaccurate Accounts by Midland Credit Management XXXX : # XXXX, # XXXX, # XXXX To Whom It May Concern, I am writing to dispute the reporting of the above-referenced accounts by Midland Credit Management XXXX which are appearing on my credit report with false, misleading, and re-aged information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Legal Violations : FDCPA Violations : 807 ( 2 ) ( A ) : Midland is falsely representing the legal status and character of these debts by re-aging them to appear more recent than they are. This is deceptive and misleading conduct. 

808 : By reporting outdated and inaccurate delinquencies, Midland is engaging in unfair practices, creating false impressions of ongoing debt liability.

FCRA Violations : 1681e ( b ) : Midland has failed to ensure the maximum possible accuracy of the data furnished to the credit bureaus. The accounts reflect re-aged delinquency dates not supported by any verified last activity.

1681i ( a ) ( 5 ) ( A ) : If Midland can not verify these accounts with original contracts, chain of title, billing statements, and payment records, they must be deleted within 30 days of dispute.

1681c ( a ) ( 4 ) : If the accounts first delinquency was over 7 years ago, continued reporting is a violation of the seven-year limit on negative items. 

Case Law Supporting Deletion : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) : This case established that debt buyers like Midland are fully subject to the FDCPA and can not misrepresent or re-age debts in an attempt to collect or report inaccurately. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs and furnishers must go beyond surface-level data ; failure to conduct proper reinvestigation requires deletion. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Re-aging and failure to validate debt details violate the FDCPA and expose the debt collector to liability. 

My Demands : Permanently delete all Midland Credit Management accounts listed above from my credit reports. 

Provide written confirmation of deletion within XXXX business days of receipt of this dispute. 

Block reinsertion of any deleted data per FCRA 1681i ( a ) ( 5 ) ( B ) unless Midland provides full, verified documentation ( including original signed agreements and itemized billing history ). 

If these accounts are not removed immediately, I will seek legal relief for statutory damages under the FCRA and FDCPA, including but not limited to complaints with the CFPB, FTC, and State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was unable to make my credit card payment on time for my XXXX XXXX  XXXX. I called to pay the late fee and the amount due. The agent asked me if I wanted to set up an automatic payment for next month, for XXXX. I said yes please. On XX/XX/XXXX, the payment was taken out of my account immediately. However I noticed I was charged a late fee anyway for almost {$40.00}. I called customer service to get this settled. The agent told me he could only knock off {$15.00} from the late fee. I asked why only {$15.00} when my payment was taken on time and XXXX told me he couldnt help me any further. A few days later I called again to complain and ask for the full late fee to be waived. The agent was rude and told me he couldnt help me. He continued to ask me if I wanted to set up automatic payment for the next month, XXXX. Upset, I asked for him to explain to me why I'm being charged a late fee if I had agreed to an automatic payment already but they messed up on their end and im still paying for it. He continued to give me attitude and then told me they can't set up automatic payments, it's only done online through my end, so it's not their fault. I asked to speak to his XXXX, and he transfered me to his supervisor. I had to explain once again everything going on and asked for the full late fee to be waived sine it was not my fault. The supervisor told me no and he's couldnt do anything for me. I'm extremely frustrated with this credit card and the customer service that comes along with it. I did not make the payment myself, it was an automatic payment I agreed to, why am I being lied to that they can't do it on their end when they in fact already did? Why am I being charged a late fee when they took my payment before XXXX? I tried reaching out one more time through the website and sending an email but was only sent a message back to call customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts that were opened in my name due to identity theft. In accordance with FCRA Section 605B [ 15 U.S.C. 1681c2 ], I am demanding that the following accounts be permanently blocked and removed from my credit file.

Despite my not authorizing these accounts, they continue to appear and negatively impact my credit profile. This is not only unacceptable but a direct violation of my consumer rights under federal law. If these accounts are not promptly removed and this issue is not resolved in compliance with the FCRA, I will have no choice but to pursue legal action. 

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

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 2025-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: FL

Complaint narrative:
I am submitting this complaint to dispute two inaccurate collection accounts that are currently appearing on my credit report. These accounts are not mine, and I have no recollection of authorizing or owing the debts These accounts appear to be either fraudulent or reported in error. I have not received any verification of these debts despite prior disputes, and they are negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I payed a collection in exchange for delete and its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have made numerous of principal payments to my mortgage to save on interest and pay off the account. I added notes to all of my payments indicating when a principal payment was made. However, the mortgage company has been notorious for posting the principal payments as regular payments charging my account interest. XX/XX/year> I made a {$10000.00} which was posted incorrectly. XX/XX/year> I made a payment for {$10000.00} which was also not applied as a principal payment. I finally paid off the account and contacted the mortgage company in regards to the payments applied incorrectly and requested for the incorrect posted payments to be corrected. Nonetheless, when I paid off the account the correction was never made and the mortgage company charged me interest for the payments applied incorrectly. I have contacted the mortgage company three times in reference to this matter. I was advised, the account would be investigating and refund mailed to me. However, the refund has not been processed and this matter has been ignored after three attempts to have these payments corrected.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified experience on numerous occasion to remove unverified inaccuracies on my credit report. Experian, TransUnion and Equifax has not removed any of these inaccuracies from my report which includes late payments closed account that are affecting my credit reporting.

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 2025-05-11 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: GA

Complaint narrative:
I have notified experience on numerous occasion to remove unverified inaccuracies on my credit report. Experian, TransUnion and Equifax has not removed any of these inaccuracies from my report which includes late payments closed account that are affecting my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 am filing a complaint regarding an inaccurate charge-off being reported by XXXX Bank ( Account # XXXX ) * * on my Experian credit report. 

This account is only reporting to Experian, but not to TransUnion or Equifax, which suggests potential inconsistency or furnishing error. This violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate and complete information.

15 U.S. Code 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If data can not be verified, it must be deleted.

I have disputed this with Experian, but the inaccurate reporting remains. Since XXXX Bank is not furnishing this data to the other XXXX bureaus, and Experian can not verify its accuracy, I request immediate removal of the charge-off account from my Experian credit report. 

This inaccurate entry is harming my creditworthiness and my ability to qualify for financial products.

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 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
A collection account with XXXX XXXX that was previously removed after being disputed has reappeared under a new collection agency. I am attaching confirmation of the response from the prior agency that confirmed the removal of the account. Despite this, the same account has now been re-added to my credit report by a different company ; I C System. 
This account includes false and incomplete information that was furnished to the CRAS without proper verification and is therefore in violation of the Fair Debt Collection Practices Act, including but not limited to : -FDCPA 807 ( 8 ) : False or misleading information communicated to a credit reporting agency.

-FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the legal status of a debt.

I am demanding immediate removal of the re-reported account from all credit reporting agencies and written assurance that no further collection or reporting will occur regarding this account. 
Under the FDCPA, I am entitled to up to 1,000 per violation. I am hereby demanding {$2000.00} in statutory damages for the two violations outlined above. If this matter is not resolved voluntarily, I reserve the right to file a federal FDCPA action and will seek all available remedies, including statutory and actual damages, attorneys fees and cost.

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 2025-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: MA

Complaint narrative:
This is an account with Possible Finance that was charged off. I ended up paying the full balance on XX/XX/year> under the understanding condition that it would be removed completely from my credit report. I received an email on XX/XX/year> stating my payment had cleared and my balance was {$0.00} and it would be reported to the credit bureaus which take a little time. To date it is still being reported to all bureaus which is negatively affecting my credit score and financially hurting me. I paid this in full with the agreement it would be removed and I am requesting that this be updated and removed from all XXXX credit bureaus immediately. Photos are attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a formal complaint against Resurgent Capital Services for repeated and willful violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Resurgent Capital Services contacted me about an alleged debt, and in the course of their collection efforts, they committed multiple legal violations : No Debt Validation They failed to send me a written validation notice within five days of initial contact, in violation of 15 U.S.C. 1692g ( a ).

False Legal Threats They made threats of legal action that they either did not intend to follow through on or had no legal authority to make, which violates 15 U.S.C. 1692e ( 5 ).

Unlawful Third-Party Communication They disclosed the existence of the debt to third parties and continued communicating with third parties about me after being instructed not to, in violation of 15 U.S.C. 1692b ( 2 ) and 1692b ( 5 ).

Covered as a Debt Collector As defined in 15 U.S.C. 1692a ( 6 ), Resurgent Capital Services clearly qualifies as a third-party debt collector and is therefore fully bound by FDCPA requirements. 

These actions have caused confusion, emotional distress, and a violation of my federally protected privacy and consumer rights. I have evidence of these violations, including records of their communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX FL XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license displaying my correct name and my current address. 
Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened an account with TD Bank. I attempted to access the account and manage by ordering a physical and digital debit card, setting up direct deposit, etc. I very soon learned that online management options for TD customers are very limited through their Online Banking system. I could not order a new card, not through any system of theirs. I attempted to call multiple times to deal with aggressive waiting times, only for each of my calls to be disconnected, with no help or connection to a representative. I dont care if its XXXX XXXX himself, customers whove entrusted FDIC backed banks to deal with their finances and do so efficiently and effectively should not have to deal with completely unresponsive and potentially criminal behavior vis -- vis access to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Complaint FCRA and Georgia Law Violations * * Complainant : * * XXXX XXXX * * Address : * * XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX * * Date : * * XX/XX/XXXX To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) based on the contents of my Experian credit report dated XX/XX/XXXX. Experian has willfully and negligently failed to ensure the maximum possible accuracy of the information they are furnishing and has not complied with my dispute rights under the FCRA. 
* * The following items constitute FCRA violations and/or unlawful reporting : * * XXXX XXXX XXXX XXXX XXXX This account has been charged off since XX/XX/XXXX and continues to report Charge Off ( CO ) remarks monthly through XXXX, which constitutes re-aging in violation of FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX  BANK : Charged-off account closed in XXXX, yet delinquency history is being reported through XXXX, violating FCRA 1681i ( a ) and possibly 1681e ( b ). 
XXXX XXXX XXXX : Account shows XXXX late payments and ongoing past-due balance without verification or context, creating serious accuracy concerns and possible violation of FCRA 1681e ( b ) and Georgia FBPA provisions. 
XXXX XXXX XXXX : Collection account lacks validation and original documentation, reported in violation of FCRA 1681i and FDCPA 1692g. 
XXXX XXXX : This account is listed both under tradelines and collections, constituting duplicate derogatory reporting, which violates FCRA 1681e ( b ) and Metro 2 compliance standards. 

Despite good faith attempts to dispute these items directly with Experian, they have failed to conduct a reasonable reinvestigation or correct these inaccurate entries. I am requesting the CFPB to conduct an investigation into Experians reporting practices, ensure removal of inaccurate or unverifiable data, and impose any appropriate corrective actions or penalties. 
I am attaching a copy of my credit report as evidence. Thank you for your attention to this matter. 

Sincerely, 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 2025-05-11 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, XXXX, GA, XXXX Employment Information : 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 explanation