vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute and debt validation request to Midland Credit Management ( MCM ) pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This request included a demand for : ( 1 ) an itemized accounting of the alleged balance of {$XXXX} ; ( 2 ) documentation supporting the amount claimed ; ( 3 ) a complete chain of title evidencing the assignment or sale of the debt from XXXX XXXX XXXX XXXX to MCM ; and ( 4 ) a copy of the original agreement bearing my signature.

In response, MCM failed to provide the documentation required under federal law. The Bill of Sale included in their packet was generic, heavily redacted, and did not identify me or the account in question. Their inclusion of a single credit card billing statement does not constitute validation of the full balance or establish legal authority to collect.

Despite this failure to comply with the statutory requirements of 809 ( b ) of the FDCPA, MCM continues to furnish this tradeline to consumer reporting agencies. This action may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information that they know or have reasonable cause to believe is inaccurate or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX XXXX {$XXXX} Date of Last Activity : XX/XX/XXXX Late XXXX  Days XXXX  XXXX BALANCED {$XXXX} XXXX XXXX XXXX XXXX BALANCED {$XXXX} XXXX XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX BALANCED {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Daily emails stating I paid something in XXXX but haven't since. There is nothing delinquent in my credit report. It states XXXX XXXX. I contacted XXXX XXXX and they confirmed I have nothing overdue. I haven't contacted directly as I am not certain the communication is legitimate and not a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX BANK ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX A ACCOUNT XXXX ACCOUNT NAME : XXXX CARD ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-04-01 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX BANK ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX A ACCOUNT XXXX ACCOUNT NAME : XXXX CARD ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am of the opinion that I am being ignored. I am with injury in now-time due to this most improper neglect. Pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1601-1667f, I requested a clear disclosure of the identity of the original creditor involved in this transaction. I also requested production of account and general ledger statement ( s ) showing the full accounting of alleged obligation. It is my legal right to have transparent information about the principal party of interest. According to federal law, you are required to respond within 30 days, but you have neglected to do so. Non-compliance with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( refer to 15 USC 41, et seq. ). I explained to XXXX that also my personal information was compromised during the XXXX data breach, amongst other breaches and as a result, several fraudulent accounts and subsequent credit inquiries were opened in my name without my authorization or knowledge. Anyone helping to perpetuate this fraud is considered a co-conspirator and if I need to seek resolution through litigation I will include everyone participating in this fraud against me as a Defendant. If these entities do not properly safeguard a consumers data and it is compromised ( e.g., XXXX XXXX XXXX of XXXX  ), they can be held liable under GLBAs Safeguards Rule pursuant to Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ). I explained that Knowingly enforcing or benefiting from a contract suspected to be fraudulent or deceptive, without providing verifiable clarification when reasonably requested, may lead to : Civil liability ( damages, restitution, injunctions ) and Criminal fraud charges, if intent to deceive is proven ( 18 U.S.C. 1341 Mail Fraud ; 1343 Wire Fraud ). 

... please see attachments : I have included verification of my address with my drivers license and copies of the confirmation from the XXXX data breach and also a copy of the letters I sent to Experian and a copy of my Identity theft reports.

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 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I have a collection on my XXXX credit report from XXXX XXXX in the amount of {$XXXX} from a collection agency name XXXX in XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The original creditor was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: CA

Complaint narrative:
XX/XX/XXXX XXXX complaint I am writing to formally dispute my federal student loan obligations due to significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Federal Educational Rights and Privacy ( FERPA ) : Ensures the confidentiality of students records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicer 's to protect student data.

Privacy Act 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loan borrowers ' personal and financial information with third parties, including XXXX XXXX, DOGE, constitutes a violation of borrower data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and noticed inaccurate personal information listed under my file. Specifically, the report contains incorrect/misleading data such as outdated addresses, unauthorized addresses, or misspelled names that I have no connection to.

This misinformation is affecting the accuracy of my credit report and may impact my ability to obtain credit or other financial services. According to the Fair Credit Reporting Act ( FCRA ), it requires that only accurate and verifiable information remain on a consumers file. Despite my good-faith efforts to resolve the matter directly, I have not received a timely or satisfactory response. Therefore, I am filing this complaint with the CFPB and requesting your assistance in ensuring that this inaccurate personal information is corrected or removed from my credit file.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
Some one stole my purse and took all my money out my account and they didnt want to refund all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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

USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: MN

Complaint narrative:
Response to flagship In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX with an extended warranty. The vehicle began having engine issues shortly after purchase. I returned it multiple times and was eventually told it needed a full engine replacement. The dealership quoted {$6100.00} and offered to cover {$2000.00}, leaving me with a {$4100.00} balance despite my warranty. 

During this time, I was making monthly payments to XXXX XXXX XXXX. I have email confirmations of at least XXXX payments made while the vehicle was in the dealerships possession. Still, XXXX reported I made 0 % of my payments on time and later charged off the account, damaging my credit. My XXXX score dropped over XXXX points, and there are ongoing inconsistencies in how the account is being reported. 

The dealership also provided me with a rental vehicle and told me not to worry about the cost, but later issued unexpected charges. Communications from XXXX XXXX XXXX team members ( XXXX and XXXX ) confirm the {$6100.00} estimate and their {$2000.00} contribution. 

I have documented : Email confirmations of payments made Invoices and estimates from XXXX XXXX Screenshots of my credit report and reporting changes XXXX with dealership staff about the repairs and rental This situation has resulted in inaccurate credit reporting, financial stress, and a loss of reliable transportation. I am requesting that XXXX correct the tradeline or remove it entirely and that the CFPB investigate how both the lender and dealership mishandled 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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I was scammed by a clothing brand company. They stole around {$500.00} from me. I sent all the proof on XX/XX/XXXX that it was a scam and that these people are dangerous and steal money. They declined my request, so I appealed and they still declined and their excuse is I have to wait 15 days to report why would I do that if it was clearly a scam??? And plus all my friends disputed and did not provide evidence and still got moneyback. I submitted a second appeal XX/XX/XXXX but they declined and it and said they werent gon na help anymore. The company was truist

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XXXX XX/XX/year> Credit Bureau XXXX Equifax Equifax information services LLC [ XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Accounts under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts currently being reported on my credit file with Equifax. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is 100 % accurate, verifiable, and in compliance with federal law. Failure to do so constitutes a violation of my consumer rights. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX xxxxx Pursuant to 15 U.S.C. 1681i ( a ), I demand an immediate investigation into these accounts. If these accounts can not be fully verified by original source documentation, they must be permanently removed from my credit file. As per 15 U.S.C. 1681e ( b ), you are legally obligated to maintain maximum possible accuracy. The continued reporting of inaccurate or unverifiable information is a clear violation of this statute. 

Additionally, I have suffered financial harm due to your failure to uphold FCRA compliance. I have been denied loans, credit cards, and subjected to increased interest rates, directly affecting my financial well-being. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I reserve the right to seek legal damages for willful and negligent noncompliance if these errors are not rectified immediately.

I am providing a copy of my government-issued ID, proof of residence, and a copy of my credit report highlighting the disputed accounts. You have five ( 5 ) days from receipt of this letter to permanently remove these inaccurate accounts, or I will be left with no choice but to escalate this matter legally. 

Please send me written confirmation of the deletion of these accounts upon completion of your investigation. I expect full compliance and a swift resolution.

Company response to consumer: Closed with non-monetary relief