vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Complaint Category : Debt Collection Company : Midland Credit Management , Inc . 

Summary of Issue : I am filing a complaint against Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I received a
collection letter from Midland Credit Management and responded with a certified debt validation request. Midland failed to respond within the required time under FDCPA 1692g ( b ) and continued collection activity by initiating a lawsuit. This is a violation of the FDCPA, which requires validation before further collection efforts. Even though the letter included in the incomplete validation packet states that they would not contact me by mail or phone unless it's in response by me to the dispute.

The documents they are now using in the lawsuit including a redacted Bill of Sale, affidavits, and account-level data were never provided in response to
my original validation request. Their failure to validate, followed by litigation using withheld documents, violates both FDCPA 1692g ( b ) and 1692e.

In addition, Midland previously mailed me a letter referencing a legal case number that, upon public record search, was not associated with me. It referenced a civil case involving unrelated parties in a different XXXX XXXX. This constitutes misrepresentation of legal action under FDCPA 1692e.

Furthermore, the case number listed on the documents they served in this lawsuit still references a case that, according to public court records, belongs to
unrelated parties and a different jurisdiction. This indicates continued misrepresentation of legal status and violates FDCPA 1692e.

I am requesting the CFPB investigate these violations and compel Midland to dismiss the case, cease all collection activity, close the case with prejudice, and remove any associated credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I received a debt collection letter from Kimball , Tirey & St. John LLP in response to a dispute I submitted. They claim I owe {$2200.00} related to a property in XXXX, CA. However, they have not provided proper documentation to verify the debt such as a signed lease, an itemized list of charges, or any contractual evidence. I requested this information as part of my dispute, but they simply responded with a summary statement that the debt is valid. I am requesting the CFPB to investigate this matter, as I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened a checking ( spending ) account with Ally on XX/XX/XXXX taking advantage of a welcome referral offer where if I was to set up and receive a qualifying direct deposit within 60 days of account opening, I would get rewarded a {$100.00} bonus within 30 days of receiving your qualifying direct deposit. I made sure to sign up with a referral link first using a link of the person who referred me, before applying for the account using the same email address ( per the terms ). 
See attached both the email of signing up and account opening email. 
My first paycheck for {$1000.00} was deposited on XX/XX/XXXX and my second paycheck of {$860.00} was deposited on XX/XX/XXXX. I completed the requirements since XX/XX/XXXX and today is XX/XX/XXXX and I still have not received the bonus. I have completed every requirement of the offer, including being eligible since my last Ally account was closed on XX/XX/XXXX where the offer terms state that you are not eligible if you have, or have had, any type of account at Ally since XX/XX/XXXX, whether you are a primary account owner or non-primary joint account owner. I have contacted Ally multiple times inquiring about the status and all I have received is that someone should contact me within 5 days but no one has.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against Ally Financial for Misallocation of Loan Payment and Credit Reporting Error Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Ally Financial regarding a serious error in the servicing of my vehicle loan, which has negatively affected my credit report. 

In XX/XX/year>, I made my monthly truck payment on time to Ally Financial. However, without my knowledge or authorization, Ally misallocated this payment to an alleged extension agreement that I never signed, never agreed to, and was never valid. As a result, Ally incorrectly classified my account as delinquent for an excessive amount of days, despite the fact that I had submitted my payment on time. 

This misallocation was only discovered after I spent hours of my time calling Allys customer service, during which I experienced frustrating service, including being hung up on and speaking to a representative who could not adequately assist me due to a language barrier. Eventually, Ally acknowledged the mistake and reallocated the XXXX payment to the correct portion of my account. However, by this time, the damage had already been donemy credit report now reflects a serious delinquency that is entirely due to Allys internal error. 

This inaccurate negative reporting has caused significant harm to my credit standing and was neither caused nor contributed to by any action on my part. Despite acknowledging their error, Ally has not yet taken steps to correct my credit report or provide a written confirmation that this has been resolved. 

I am requesting the CFPB to investigate Ally Financials mishandling of my payment and credit reporting, and to ensure : Immediate correction of the XX/XX/year> payment to reflect it as paid on time. 
Immediate removal of any delinquency reporting from all credit bureaus. 
Written confirmation from Ally Financial that these actions have been completed. 
A review of Allys servicing procedures to prevent such errors from impacting other consumers. 

This issue falls under the scope of the Fair Credit Reporting Act ( FCRA ), and I believe Ally has violated its provisions by reporting inaccurate information and failing to promptly correct the error. 

Thank you for your attention to this matter. Please contact me if additional documentation or information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-02 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: Experian Information Solutions Inc.
State: GA

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-05-02 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 recently reviewed a copy of my credit report and notice that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX .. XXXX XXXX XX/XX/XXXX .. address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I am a victim of identity theft due to the Equifax XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
b'I am a natural person. I am a living human being. I have rights under 15 USC 1681.\nEquifax is governed by 15 USC 1681. And they have violated my rights numerous touch I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give equal facts written permission to furnish these accounts:\n\n am a natural person. I am a living human being. I have rights under 15 USC 1681.\n\n\n\nEquifax is governed by 15 USC 1681. And they have violated my rights numerous touch I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give equal facts written permission to furnish these accountXXXX 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 XXXXAccount charged off and shows consistent past due balance\n\n Summary of XXXX  price credit, unable to obtain credit'

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 2025-05-01 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: NM

Complaint narrative:
b'I am a natural person. I am a living human being. I have rights under 15 USC 1681.\nEquifax is governed by 15 USC 1681. And they have violated my rights numerous touch I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give equal facts written permission to furnish these accounts:\n\n am a natural person. I am a living human being. I have rights under 15 USC 1681.\n\n\n\nEquifax is governed by 15 USC 1681. And they have violated my rights numerous touch I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give equal facts written permission to furnish these accountXXXX 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 XXXXAccount charged off and shows consistent past due balance\n\n Summary of XXXX  price credit, unable to obtain credit'

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 2025-05-01 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-02 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:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

As I have consistently stated, the following address is incorrect and should not be associated with my credit file : My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within XXXX days of receiving a dispute. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-05-02 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: NY

Complaint narrative:
I am writing to report that I am a victim of identity theft. Recently, I discovered that multiple accounts and services have been opened in my name without my consent. I never authorized these accounts, and Im extremely overwhelmed and desperate to resolve this issue. Below is a list of fraudulent accounts and services that have been opened using my personal information : 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 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 These accounts have severely damaged my credit, and I am struggling to resolve this while trying to secure a home for my family. The fraudulent activity has put a tremendous strain on my financial well-being. I request that these fraudulent accounts be investigated, removed, and that no further charges be made to my name. 

I ask that the companies involved take immediate action to resolve this situation and provide confirmation that all fraudulent accounts have been removed from my record. Please let me know what additional information or documentation is required to process this claim. 

I kindly request this matter be resolved as quickly as possible, as it is causing significant hardship for me and my family. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: United Credit and Collections Inc.
State: NV

Complaint narrative:
Missouri Debt Collection Laws - Missouri Merchandising Practices Act ( MMPA ) Prohibits deceptive, unfair, or unconscionable practices in commerce, including debt collection. 
- Violations : - collections without a court order. Requested validation of that three times no response in the last five years. 
- Misrepresenting the amount owed or legal consequences. 
- Failing to provide written notice of debt validation rights. 
- Relevant Law : RSMo 407.020 020 ). 

- Statute of Limitations - Written contracts : 5 years ( RSMo 516.120 debt collectors have attempted to collect without validation for the last 7 years. 
- Violation : Attempting to collect a debt beyond the statute of limitations ( has not been renewed by court judgment ).

-- - 3. Federal Law Violations ( FDCPA/FCRA ) Missouri, collectors must follow federal laws : - FDCPA Violations : - Harassment, false threats ( e.g., claiming arrest for unpaid rent ).

- Failing to provide a written debt validation notice within 5 days of contact.

- FCRA Violations : - Reporting inaccurate eviction or debt information to credit bureaus. 
- Failing to investigate disputed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief