vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
DEAR SECURITY CREDIT SERVICES : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
In XX/XX/scrub>XXXX XXXX  a hacker remotely accessed my computer and used my information to open a fraudulent personal loan with Barclays. I never authorized the loan or received any funds. The loan proceeds were quickly transferred to an online-only XXXX XXXX XXXX. Column. Barclays has refused to assist, claiming the application came from my XXXX address. The loan paperwork also contains a signature that does not match my legal name. 

On XX/XX/year>, I mailed Barclays a certified dispute package with an FTC Identity Theft Report, police report, and proof of identity. Barclays has not acknowledged receipt and continues to add interest and report the account as valid. I request CFPB help to have Barclays pause charges, stop reporting, and properly investigate under FCRA 605B and FCBA 1666.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against the following debt collectors reporting inaccurate and unverified collection accounts on my credit report : National Credit Systems ( {$8600.00} rental debt from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ( {$1200.00} medical debt from XXXX XXXX XXXX ) XXXX XXXX / XXXX ( {$1800.00} cable bill ) These items are severely damaging my credit score and appear inaccurate and unverifiable : I never received proper documentation or notice of these debts as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Some of these debts, including the medical collection, may fall under the No Surprises Act and FCRA amendments disallowing unvalidated or low-balance medical debts from being reported. 

I have already disputed these accounts directly with XXXX, and all are currently listed as " Consumer Disputes Reinvestigation in Process '', yet no adequate resolution has been provided. 

I am requesting that the CFPB take action to ensure that these accounts are : Fully validated with original documentation ( signed contracts, itemized billing, etc. ), OR Immediately removed from my credit report if such verification can not be provided. 

I am attaching supporting documents including : A copy of my credit report with disputed accounts highlighted My original dispute letter sent to XXXX  Proof of identity and address I respectfully request a thorough investigation into the matter under the Fair Credit Reporting Act ( FCRA ) and FDCPA, and appropriate enforcement action if violations are found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 following up on my previous CFPB complaint regarding multiple inaccurate, unverifiable, and unauthorized items that still appear on my credit report. Despite my earlier dispute, these accounts remain and continue to cause financial and emotional harm. The following accountsXXXX XXXX XXXX XXXX {$6300.00} ; {$2000.00} ; {$1500.00} ), XXXX ( {$1300.00} ), XXXX XXXX ( {$11000.00} ), XXXX ( {$19000.00} ; {$2900.00} ) are still listed without any supporting 1099-C documentation. This violates FCRA 607 ( b ) and XXXX. Additionally, an unauthorized inquiry from XXXX XXXX XXXXXXXX dated XX/XX/year> remains, in violation of FCRA 604 ( a ), 604 ( f ), and 619. These inaccuracies have harmed my ability to obtain credit and caused significant distress.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management Follow-Up Complaint Continuing Violation After CFPB Case # XXXX This is a follow-up complaint referencing CFPB Case # XXXX which Midland Credit Management previously marked Cease and Desist XXXX Despite that representation, Midland continues to report this account as open with a {$5900.00} balance, contrary to the original creditor XXXX XXXX XXXX record, which shows the account was charged off and sold with a {$0.00} balance. 

Details : The account appears on my credit reports as both charged off / sold ( XXXX XXXXXXXX XXXX  ) and open collection / debt buyer ( Midland Credit Management ). 

These conflicting reports violate the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), for furnishing false or misleading information about the character of a debt.

The Cease and Desist letter to CFPB did not result in Midland or its law firm ceasing all collection activity, as they have continued reporting and maintaining an open account status. 

. 
Attached : Updated XXXX XXXX XXXX reports ( XX/XX/scrub>XXXX XXXX XXXX showing inaccurate status updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Last month, I received in the mail a store charge card. The bank was Wells Fargo and the store was XXXX XXXX. I did not apply for this card. I have no accounts with Wells Fargo. The wording in the letter worried me and I called the customer service number several times to close the account, I wasn't able to close the account. I sent a letter to Wells Fargo Fraud dept and it was returned to me. Last month, I cut up the card Wells Fargo sent to me and threw it away. Wells Fargo keeps sending me mail and it both irritates and worries me. Please help! Again I did not apply for a Wells Fargo card and have no dealing with them. 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kason Credit Corporation
State: NY

Complaint narrative:
According to FRCA section 605 B it is illegal to report information on my credit report without my permission I am not liable for this debt with Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications Also Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent. 
Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed off my credit report this is not mine I did not consent to that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I reached out to this creditor via mail asking to verify all said debts that I owe which has been transferred to these creditors which has satisfied any said debts owed. The creditor was not able to provide original contracts with my signature therefore the debt is void and invalid. This is a violation of my credit and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: WA

Complaint narrative:
I reached out to this creditor via mail asking to verify all said debts that I owe which has been transferred to these creditors which has satisfied any said debts owed. The creditor was not able to provide original contracts with my signature therefore the debt is void and invalid. This is a violation of my credit and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I deposited a pay check on my wifes bank account and the account was closed due to suspect fraud and they told me to verify it in person and I couldnt because the branch is out of state and I dont have money for traveling.

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 2025-10-15 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: NC

Complaint narrative:
I have removed this inaccurate information, tried to reach out to the agency & having no luck with getting responses, this is completely unfair to me. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is a formal dispute of the Midland Credit Management XXXX XXXX XXXX account, which appears on my credit report and is currently in collections for {$1000.00}. This account has previously been disputed. Midland has failed to provide documentation verifying the accuracy of the reported information, such as a signed contract, billing history, or proof of debt. This violates FCRA 1681i, which mandates that unverifiable data be removed from my credit report. Further, under FCRA 1681s2b the furnisher of this information is legally required to verify the accuracy or request deletion of the information. Your continued reporting of this account violates GLBA 6801b For failure to ensure the integrity and confidentiality of my consumer data especially given recent national data breaches affecting millions of Americans. 
As well as New York XXXX XXXX as it reflects deceptive and unlawful reporting behavior affecting consumers in New York State. 

In addition, Midland Credits failure to provide any meaningful reinvestigation, verification, or correction constitutes a willful violation of the FCRA, exposing them to statutory damages and potential punitive sanctions. Their conduct also violates the FDCPAs prohibition against unfair, deceptive, and misleading practices in debt collection and reporting. The inaccurate reporting of this charged-off account has caused me substantial harm, including but not limited to unjust damage to my credit score and creditworthiness, denial of credit and financial opportunities, emotional distress and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I obtained a mortgage from Navy Federal Credit Union for my primary residence. I pay my homeowners insurance directly to XXXX XXXX. Despite written proof of coverage and multiple notices to Navy Federal beginning in XXXX, they continued collecting escrow funds for hazard insurance as if they were paying the premium themselves. 

On XX/XX/XXXX, Navy Federal conducted an annual escrow analysis that included a {$1700.00} hazard-insurance disbursement and created an {$810.00} shortage, increasing my monthly escrow payment. I challenged these figures in writing and submitted a Declaration of Hazard Insurance Self-Payment stating that I will self-pay hazard insurance for the life of the loan.

After months of correspondence, Navy Federal performed an off-cycle escrow analysis on XX/XX/XXXX, issuing a {$1200.00} refund labeled surplus. This refund proves they had overcollected, yet it does not account for the full amount collected since XX/XX/XXXX. Navy Federal then claimed the remaining funds offset the earlier shortage that their own miscalculation caused. 

Navy Federal failed to provide the updated escrow statement within the required 30 days and did not deliver it through the online portal until XX/XX/XXXX, more than 30 days after the refund. They also ignored my Qualified Written Request under RESPA ( 12 U.S.C. 2605 ( e ) ) seeking a full accounting of hazard-insurance collections and a citation to any Deed of Trust clause making insurance escrow mandatory based on Loan-to-Value ( LTV ). They instead referenced an internal LTV policy posted on their public website, language not included in my Deed of Trust.

Navy Federals actions constitute improper escrow servicing, overcollection, and failure to respond to a RESPA information request. I seek full refund of all overcollected hazard-insurance escrow funds, written reconciliation of the account, and confirmation that future insurance premiums will not be collected through escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my dispute.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am writing to formally dispute the accuracy and validity of a collection account reported by XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX, in the amount of {$640.00}. No account number is listed. 

I have no record or recollection of any account with XXXX XXXXXXXX XXXX XXXX XXXX  that was sold, transferred, or assigned to XXXX XXXX XXXX. 

The reported balance is incorrect, and the account is being reported with inaccurate and unverifiable information. 

I have never received any documentation, signed agreement, or contract proving I am personally liable for this alleged debt. 

This account does not reflect accurate ownership or balance information and therefore violates the Fair Credit Reporting Act ( FCRA ) requirement that all consumer credit information be accurate, complete, and verifiable. 

I am requesting full validation of this account, including : A copy of the original signed credit agreement with XXXX XXXX XXXX XXXX XXXX ; A complete payment history from the original creditor ; and Documentation showing legal transfer or assignment of this account to XXXX XXXX XXXX. 

Until full validation is provided, this account must be deleted from my credit report immediately. Reporting unverifiable or inaccurate information violates 15 U.S.C. 1681s-2 of the FCRA.

If this account can not be fully verified within 30 days, it must be permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Cease and Desist Account # XXXX ( Original Creditor : XXXX XXXX  ) To Whom It May Concern, This letter serves as my formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that Midland Credit Management , Inc. immediately cease and desist all communication with me regarding the above-referenced account.

I do not admit to owing this debt. This letter is not an acknowledgment of liability nor a confirmation of any obligation to pay. I am simply exercising my right to request that you stop contacting me by phone, mail, or any other means. 

Please note that any further contact from your office, except for the limited purposes allowed by lawsuch as to inform me that your collection efforts are being terminated or that specific legal actions may be initiatedwill constitute a violation of federal law. Such violations will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

I request written confirmation that you have received this notice and will comply with this cease and desist request. 

Sincerely, XXXX XXXX Would you like me to make this into a ready-to-print PDF with your name and address filled in so you can mail it to Midland Credit Management? 
If so, please provide : Your full name Your mailing address ( Optional ) Phone or email to include

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I took out a {$750.00} personal loan, and I have asked to settle and request a hardship settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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