vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute of Collection Account Midland Credit Management , Inc . 

To Whom It May Concern, I am writing to formally dispute a collection account reported on my credit report by a debt collector known as Midland Credit Management , Inc . I do not owe any debt to this company, and I am disputing the validity of the alleged debt in its entirety. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and ensure compliance from the furnisher. Specifically, I am requesting that Midland Credit Management , Inc. provide the following : Full debt validation, including a complete and itemized breakdown of the alleged debt and identification of the original creditor ; A copy of the purchase or assignment agreement proving that Midland Credit Management , Inc. has the legal right to collect on the alleged debt ; Proof that they are licensed and bonded to collect debts in my state of residence ; Immediate cessation of all communications with me by phone, email, or text message. I revoke any consent for such contact. Any further communication must be done by U.S. mail only.

Until full validation of this debt is provided and proper documentation is furnished, I request that this collection account be marked as disputed with all consumer reporting agencies, and that Midland Credit Management , Inc. cease all reporting activities related to this account.

Failure to comply with these requests may be a violation of the FDCPA and FCRA, and I ask the CFPB to take appropriate enforcement action. I also respectfully request that this collection account be removed from my credit report due to the lack of verification and potential violations of federal law. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
i have noticed since XXXX  an account on my credit report XXXX XXXX that is fraudulent and I did not authorize it. I tried to solve it. Try to come up with a payment arrangement but at the end, I realize thats under the FCRA law I do not have to accept this fraudulent account.there is also a inquiry that is a appearing of my credit report that I did not approve ; 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
b'These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.\XXXX XXXX**** Balance: XXXX,XXXX XXXX**** Balance: 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 explanation
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I received an email from Capital One alerting me to a potential fraudulent transaction. I promptly contacted both Capital One and the company responsible for the charge and resolved the issue. 

Despite this, on XX/XX/XXXX, when I attempted to purchase food, my debit card was declined multiple times. I checked my account and confirmed that I had sufficient funds. I then called Capital One and waited over 30 minutes on hold, only to be informed that someone at Capital One had accidentally closed my debit card and that I would now need to wait 23 business days for a replacement card, even though they are expediting it. 

This incident has left me without access to my own funds, with no prior notification, no warning, and no follow-up email or text. I was not told the card had been closed, and I only discovered this when my transactions started being declined. Capital One has not offered any real-time solution for how Im supposed to pay for food, gas, or work transportation in the meantime.

I find this completely unacceptable. Their internal mistake and failure to communicate has resulted in : Denial of access to essential funds Embarrassment at point of sale Forced dependency on others to cover basic expenses Time wasted waiting on hold for their error The burden of updating all my automatic payment info when the new card arrives I am requesting a formal investigation into Capital Ones handling of this situation, and I would like to know what compensation or resolution is available for the disruption and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-10 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
Account number ( XXXX ) and report number ( XXXX ) Details : I mailed a debt validation request to Credence Resource Management on XX/XX/, via certified mail, but have received no response as of XX/XX/, violating my FDCPA rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XXXX XXXX, {$1400.00} was taken from my checking account, under the term XXXX XXXX in additional amount {$110.00}. Was also withdrawn from our account stating legal processing fee I contacted my bank on XXXX  XX/XX/year> and I was informed that it was a judgment against me by Midland funding LLC. As well as XXXX XXXX XXXX - when I finally was able to contact them after several phone calls to different offices I discovered they had address from 20 years ago, wrong phone number, and no email address. No one ever sent me any paperwork or documentation that this suit was going on. I had no mention of this debt from anyone, this debt was from XXXX years ago. They extracted all the money out of my checking account and left me with only {$25.00}. The amount that they are saying I owe in total is $ XXXX I did not have enough money in my checking account to cover that and now they are telling me they are going to keep garnishing money out of the checking account at random times until the entire debt is paid in full. I had no opportunity to make any kind of payment arrangements with these XXXX proceedings that I could afford, because I was unaware it even existed. This debt is from many years ago when I went through a divorce, I had no income at the time. They took all the money I had to pay montly bills and buy groceries etc. with no notice to me of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
Let me be absolutely clear : this complaint is valid and not made in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These inaccuracies are causing serious and ongoing harm to my personal and financial well-being. The impact is severe and deeply burdensome. These are extremely challenging times, and the correction or removal of these inaccuracies is not just helpfulit is essential and urgently needed.

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 2025-06-10 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 am filing this complaint as a follow-up and escalation to CFPB Complaint # XXXX regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically related to a fraudulent and XXXX-related XXXX XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX that remains on my credit report despite full compliance with FCRA documentation procedures. 
On XX/XX/XXXX, TransUnion sent me a letter stating : We have removed the adverse item ( XXXX ) of information that you identified as reporting on your credit report as a result of XXXX 
However, attached to the same correspondence was an Investigation Results report that : Verified the exact same XXXX XXXX tradeline as accurate, Continues reporting the charged-off balance of {$3600.00}, Fails to mark the item as disputed, Displays delinquency through XX/XX/XXXX, and Does not reflect any Metro 2 XB or suppression code as required.

This is not only a misrepresentation, but a clear violation of multiple FCRA provisions : Violations : 1. FCRA 605C ( 15 U.S.C. 1681c3 ) TransUnion failed to block adverse information related to XXXX XXXX within the 4-business-day statutory window. I submitted : Self-attestation under 605C Government-issued ID Identification of the account to be blocked Their failure to suppress the tradeline and instead conduct a reinvestigation is unlawful. 605C does not allow verification it mandates blocking. 
2. FCRA 605B ( 15 U.S.C. 1681c2 ) I also submitted an FTC Identity Theft Report ( # XXXX ), a police report from XXXX XXXX ( XXXX ), and proper identification. TransUnion failed to block the item as required under identity theft provisions. 
3. FCRA 1681i ( Reinvestigation and Notice Violations ) TransUnion sent me a letter saying the account had been removed, but their enclosed investigation summary verified it. This is a false and misleading notice under 1681i ( a ) ( 6 ) ( B ), and an inadequate reinvestigation under 1681i ( a ) ( 1 ) ( A ). 
4. FCRA 1681e ( b ) ( Maximum Possible Accuracy ) Continuing to report this fraudulent, blocked tradeline with altered payment history and no dispute code violates the duty to ensure maximum possible accuracy.

Ongoing Harm : Due to TransUnions unlawful reporting, I have been : Denied extensions of credit, Offered worse terms and interest rates, and Subjected to increased scrutiny by lenders despite having documentation clearing this debt as both fraudulent and XXXXrelated. 
XXXX XXXX XXXX accepted the exact same documents and promptly deleted the tradeline. TransUnion 's continued publication of this item is discriminatory, negligent, and willful.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I used Affirm to finance a {$3500.00} purchase from XXXX XXXX XXXX XXXX XXXX  ) via XXXX on XX/XX/XXXX for a 4-week mentorship and access to trading tools advertised as lifetime access.

The merchant failed to deliver the agreed services. Fewer than 50 % of the mentorship sessions were provided. Promised software and bonus sessions were never delivered. After I asked for a refund, I was ignored multiple times over email and XXXX 

In XX/XX/XXXX, I filed a formal dispute with Affirm and submitted extensive evidence, including : - Screenshots showing missing content - Email from the seller confirming revocation of services post-dispute - Proof that indicators and XXXX  access ( both included in the purchase ) were removed after filing Affirm later denied the dispute, stating the merchants policy made the sale non-refundable, without addressing or acknowledging the actual * * non-fulfillment * * of the service. 

This contradicts Affirms responsibility to only finance legitimate goods/services. Affirm did not review or reference any of the evidence I provided in their final decision. 

I am requesting CFPB assistance in : XXXX. Reopening or re-evaluating the dispute fairly. 
XXXX. Ensuring Affirm does not support merchants who retaliate against chargeback requests or deliver less than half of what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to request your assistance in recovering {$800.00} that appears to have been lost during a transfer between my personal bank accountsspecifically from my TD Bank checking account to my XXXX bank accountinitiated on XX/XX/year>. 
Despite repeated efforts to resolve this issue directly with both TD Bank and XXXX, including multiple calls and claims submitted to each institution, the matter remains unresolved. Unfortunately, both banks have closed the respective investigations without locating the missing funds. 
To date, I have not received any reference number or confirmation regarding this transaction, despite my numerous follow-up requests. The {$800.00} remains unaccounted for and appears to be stuck between the XXXX banks. 
For your review, I have attached detailed information and supporting documentation related to all relevant transactions. I would greatly appreciate your support in helping to trace and recover the missing funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report that is completely unverified and inaccurate. I disputed this entry and conducted my own investigation to determine the source of the data. 

The U.S. Bankruptcy Court confirmed in writing that they do not report, verify, or furnish bankruptcy records to credit reporting agencies, including Equifax. This alone means Equifax has no verified source for this entry. 

In addition, in CFPB Complaint XXXX I contacted XXXX, a known public records vendor used by Equifax per their written statement in dispute results and credit reports. They responded to my dispute on XX/XX/year> by stating : " We are unable to fully authenticate the consumers identity and as a result we are unable to provide specific details regarding the consumers file. '' They also claimed to have forwarded my dispute to Equifax. However, Equifax then responded saying that they refer disputes to the furnisher of the informationwhich, in this case, would be XXXX. 

As a result, both companies point the finger at each other and no one takes accountability or provides any verification of the bankruptcy, which continues to damage my credit file. This circular blame-shifting completely avoids the legal obligation under the Fair Credit Reporting Act ( FCRA ) to verify disputed information. 

If neither XXXX nor the court can verify the bankruptcyand Equifax refuses to provide evidence or remove the entrythen this is a clear FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
b'Today, XXXX XXXX I called Sunrise Credit Services at phone number XXXX XXXX  - address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because a XXXX appeared on my credit report from that company claiming I owe 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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was approved for a credit card and met all criteria for XXXX point from Chase. They closed my account without talking to me after a month. I met all criteria and stated they can not honor the XXXX point because the account is closed by them. They also charged me {$95.00} annual fee and refused to refund when I only had the card for 1 month when they chose to close my account, not my will. They need to honor my XXXX points .This is unethical practice. They approved you then removed you.

Company response to consumer: Closed with explanation