vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Midland Credit Management Failure to Validate Debt Dear CFPB Representative, I am filing this complaint against Midland Credit Management for violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 
Midland Credit Management is reporting a collection account on my XXXX  consumer report with the following details : - Creditor Name : Midland Credit Management ( Debt Buyer ) - Original Creditor : XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$710.00} - Status : Collection Account, Past Due as of XX/XX/XXXX Violations and Issues XXXX. Failure to Provide Proper Debt Validation Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt and requests validation, the debt collector must cease collection until verification is provided. Midland has failed to provide : - A copy of the original signed contract, - An itemized accounting of the alleged debt, and - Proof of legal right/assignment to collect this debt. 
Despite this failure, they continue to report derogatory information to Experian, which constitutes unlawful collection activity. 
2. Misleading and Inaccurate Reporting ( Re-Aging ) The account shows as a collection every single month from XX/XX/XXXX through XX/XX/XXXX, even though the balance has not changed. This creates the false impression of continuous delinquencies, a practice prohibited under FCRA 623 ( a ) ( 1 ) ( A ).

3. Balance Reporting Issues The balance has remained static at {$710.00} since inception, with no payments, fees, or interest reflected. This suggests that the reported figure may be arbitrary, unsubstantiated, or not backed by valid documentation. 
4. Continued Collection Activity Without Validation By continuing to furnish data to XXXX  without first providing proper validation, Midland Credit Management is in direct violation of FDCPA 809 ( b ).

Requested Resolution I respectfully request that the CFPB : - Order Midland Credit Management to immediately cease collection activity until full validation is provided. 
- Require permanent deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX  ) if Midland can not produce legally sufficient documentation. 

- Investigate Midlands pattern of reporting Collection status monthly, which unfairly damages consumer credit profiles by creating the appearance of multiple delinquencies. 
I am prepared to provide a copy of my XXXX  report screenshots as supporting evidence. 
Thank you for your attention to this matter. I trust the CFPB will act swiftly to hold Midland Credit Management accountable for their unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made a legitimate deposit and they are holding the deposit for 10 days.I have no food or phone because of this and they absolutely don't care! All I wanted was account to be closed so I can move on but they will NOT comply so looking in to possible negligence lawsuit and will see where it goes but XXXX thing is for sure, they will be paying for not only my lawyer fees but court costs as well they just don't know IT YET!!!!!

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 2025-09-24 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: NH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2025-09-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contend that the inaccurate late payment notations on my accounts violate 15 USC 1666. I have maintained a consistent record of on-time payments, and any misreporting of this nature is both misleading and unlawful.

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 2025-09-24 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-24 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: MN

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 explanation
Consumer complaint received 2025-09-24 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 2025-09-24 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-09-24 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 am writing again because my credit report continues to display information that is inaccurate, unverifiable, and harmful to my financial standing. These items have already been disputed, yet they remain, and I must now demand their permanent removal under the protections of the Fair Credit Reporting Act. 
One account still appears as a late closed entry : XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$360.00} XXXX XXXX. This reporting is in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 605B 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as the accuracy and verification of this information can not be substantiated. 
I also see multiple charge-offs that can not be validated and must be deleted. These include XXXX, account number XXXX, showing a {$0.00} balance, XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also at {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX, reporting a balance of {$380.00}, and XXXX XXXX XXXX account number XXXX, showing {$0.00}. Continuing to report these items without proper verification is a violation of FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Additionally, I am being unfairly harmed by several collection accounts. These include XXXX XXXX, account number XXXXXXXX XXXX, with a balance of {$550.00}, XXXX XXXX, account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting balances of {$880.00} and {$890.00} XXXX XXXX and XXXX XXXX, account number XXXX, with a balance of {$11000.00}. These collections are inaccurate, unverifiable, and must be permanently deleted under FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Finally, there are unauthorized and unlawful inquiries still listed on my file, including XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. These inquiries were not authorized by me and therefore constitute violations of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 605B 15 U.S.C. 1681c-2. These must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 again because my credit report continues to display information that is inaccurate, unverifiable, and harmful to my financial standing. These items have already been disputed, yet they remain, and I must now demand their permanent removal under the protections of the Fair Credit Reporting Act. 
One account still appears as a late closed entry : XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$360.00} XXXX XXXX. This reporting is in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 605B 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as the accuracy and verification of this information can not be substantiated. 
I also see multiple charge-offs that can not be validated and must be deleted. These include XXXX, account number XXXX, showing a {$0.00} balance, XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also at {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX, reporting a balance of {$380.00}, and XXXX XXXX XXXX account number XXXX, showing {$0.00}. Continuing to report these items without proper verification is a violation of FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Additionally, I am being unfairly harmed by several collection accounts. These include XXXX XXXX, account number XXXXXXXX XXXX, with a balance of {$550.00}, XXXX XXXX, account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting balances of {$880.00} and {$890.00} XXXX XXXX and XXXX XXXX, account number XXXX, with a balance of {$11000.00}. These collections are inaccurate, unverifiable, and must be permanently deleted under FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Finally, there are unauthorized and unlawful inquiries still listed on my file, including XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. These inquiries were not authorized by me and therefore constitute violations of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 605B 15 U.S.C. 1681c-2. These must be removed immediately.

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 2025-09-24 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: TX

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 2025-09-24 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: TX

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 explanation
Consumer complaint received 2025-09-24 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: WA

Complaint narrative:
I see that multiple inaccurate accounts are still appearing on my credit reports, and none of these accounts have been removed. I urgently request that the documents Ive attached be carefully reviewed so that I no longer have to endure the constant stress caused by these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a rental debt in the amount of {$7800.00} being reported and collected by National Credit Systems , Inc. on behalf of XXXX XXXX XXXX. I disputed this account in writing by certified mail, but NCS has failed to provide validation as required under the Fair Debt Collection Practices Act. Despite this, they continue reporting the account to credit bureaus as an active collection, harming my credit. 

This is an attempt to collect a debt not owed, because it is unvalidated and disputed. Their conduct also constitutes false credit reporting and failure to provide a proper validation notice. I will provide other supporting documents in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Kovo
State: GA

Complaint narrative:
I disputed the XXXX  KOVO INC XXXX XXXX accounts with all major credit bureaus. One of the credit bureaus found the reporting to be inaccurate and removed the account from my credit file. Despite this, the other bureaus continue to report this account, and their responses to my disputes have been inadequate. The failure to correct or verify the account violates FCRA 611, which requires a thorough and reasonable investigation into disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
THIS IS ALREADY CONCERNING AND I AM WANTING TO KNOW ALL AND EVERYTHING ABOUT THIS, I WILL. MY ALL INFORMATION WAS STOLEN AND THERE ARE NOW INQUIRES WHICH ARE SHOWING THAT SOMEONE TRIED TO USE T TO GAIN ACCES TO MY NAME AND MONEY!! PLEASE HELP ME WITH THIS : 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 2025-09-24 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: TX

Complaint narrative:
Account NameXXXX Account Number : XXXX No written agreement exists. I never signed or participated in any contract with this furnisher. 

Action Requested : DELETE FROM 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