vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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 to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding a serious issue involving the repossession and mishandling of my vehicle by XXXX XXXX and the lack of support from my finance company, XXXX XXXX XXXX. 

My vehicle was repossessed by XXXX XXXX. After I paid what I owed, the vehicle was sent to XXXX XXXX ( the auction lot ) for me to retrieve. When I picked up my car from XXXX, I discovered that my vehicle title, registration, and a sum of cash that were stored in my glove box were missing. 

I contacted XXXX directly, and they confirmed that XXXX XXXX delivered the car already emptied. XXXX provided photos showing that the glove compartment and vehicle interior were completely cleared out before they ever touched the car. XXXX XXXX initially claimed they dont remove items from glove boxes, which directly contradicts the evidence. 

I immediately contacted XXXX XXXX XXXX, and they told me that because I had no proof of the items in the car, theres nothing they can do even though XXXX provided proof the vehicle was cleared out before they received it. 

Ive since filed a police report and complaints with the XXXX XXXX XXXX  and the Michigan Attorney Generals office. I am now requesting that the Consumer Financial Protection Bureau investigate this matter, as XXXX XXXX appears to be engaging in theft of consumer property during repossession, and XXXX XXXX XXXX is refusing to assist in resolving the issue. 

I have documentation of the complaint trail and am willing to provide any additional evidence necessary.

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 2025-04-16 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: MS

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 2025-04-16 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: MS

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 2025-04-16 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: Professional Receivables Network
State: PA

Complaint narrative:
we did a settlement for XXXX they acepted it so after 1 year suddenly the send for colletion which was illegal plus that to fix fast my credit file a paid that pending balance of XXXX, but to credit card limit only was XXXX they send for colletion company and share my information was is illegal and this compay said the send an email for penfed send to them proof of my payment to clear it off months and nothing happment XXXX XXXX XXXX XXXX they know my phone number and every time i call the hang off the call their number is XXXX also they are hurting the credit file of XXXX autorize user that used to have on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please help im tired of this injustice from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXXXXXX 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
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-16 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management ( MCM ) for engaging in unlawful and abusive debt collection practices in direct violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( FCRA ).

Midland Credit Management placed two collection accounts on my credit reportsone for approximately {$1700.00} and another for $ XXXXwhich they claim are from former credit card accounts. Neither of these debts appeared on my credit reports at the time of receiving the initial letters from MCM, and MCM has failed to provide any documentation whatsoever to validate these debts. 

Timeline and Violations : Upon receiving their initial letters, I promptly exercised my right under the FDCPA Section 809 by sending a written debt validation request via certified mail. In that letter, I explicitly requested the following, as allowed by federal law : The name of the original creditor ; A copy of any signed contract or agreement bearing my signature ; A complete account history ; Proof of the assignment or transfer of the alleged debts to MCM ; The itemization of fees, interest, and charges that brought the balance to the claimed amount. 

Midland Credit Management did not respond to my letter. They did not provide a single document in return. 

Before sending the letter, I attempted to download any supporting documentation from their online portal. Their site did not provide access to a single document or breakdown of the alleged debt. 

Despite their failure to validate the debt, MCM proceeded to report these accounts to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX 

The accounts now appear with negative remarks, and the account status is listed as Closed and In Collections, while showing late payment history. 

This tactic is clearly meant to intimidate and pressure me into paying a debt they have no legal right to collect, given their failure to provide validation. 

Why This is Illegal : Under the FDCPA : 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day periodthe debt collector shall cease collection of the debtuntil the debt collector obtains verification of the debtand a copy of such verification is mailed to the consumer.

Under the FCRA : A furnisher of information ( Midland ) must not report inaccurate or unverified information to credit bureaus, especially after receiving a formal dispute. 

Midland Credit Management ignored their legal obligation and went forward with credit reporting. That is a clear violation of consumer protection laws and an attempt to use credit damage as a tool of intimidation and coercion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I am submitting a complaint since the following creditors are reporting late payments on my credit report : XXXX, XXXX, and XXXX XXXX which are inaccurate and have not been formerly verified. I Have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S. Code 1681s2 ( a ) furnishes MUST report ACCURATE information and under 15 U.S.C. 1681i the Credit Bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: NJ

Complaint narrative:
I am submitting a complaint since the following creditors are reporting late payments on my credit report : XXXX, XXXX, and Aqua Finance which are inaccurate and have not been formerly verified. I Have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S. Code 1681s2 ( a ) furnishes MUST report ACCURATE information and under 15 U.S.C. 1681i the Credit Bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC is claiming I owe a debt for the amount of {$1500.00} plus court cost. They are claim the debt was for a XXXX XXXX XXXX  card which I have no recollection of. The debt was charged off in XXXXXXXX XXXX XXXX which according to the statute of limitations means I do not owe this debit nor was I ever made aware of the debit. They have entered a default judgment against me which is illegal to do for a debt that is not mine and was charged off two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
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:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank You for your prompt attention to this matter.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX regarding a late payment reported on my credit report after my XXXX XXXX XXXX was transferred from XXXX XXXX. I was unaware that the loan had been transferred or that payments had resumed following the end of the XXXX forbearance period. I received no mailed notices or phone calls, and notifications were sent to an outdated email address I no longer monitored. 

I carefully monitor my calls daily and take my financial obligations seriously. That said, I understand how, given the volume of borrowers and transition complexity, this delinquency ended up reported. 

I only became aware of the issue when it appeared on my credit report. I immediately brought the account current and enrolled in autopay to prevent future problems. I then contacted XXXX via their chat platform to request a goodwill adjustment a courtesy many loan servicers offer for one-time issues tied to communication breakdowns. Unfortunately, the agent I spoke with was unfamiliar with the concept, refused to escalate my request, and stated that no one at the company handles goodwill adjustments. I asked several times for a supervisor and was told they were unavailable. 

I am not disputing the accuracy of the report, only requesting that my case be reviewed by someone with the authority to evaluate a goodwill adjustment. This single late mark has dropped my credit score by over XXXX points, despite my spotless payment history under XXXX. Given the lack of proper notification and my immediate action to correct the issue, I believe a fair review is warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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