vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MA

Complaint narrative:
Dear Midland Credit XXXX : MCM ; ( Plaintiffs Counsel : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX ) I am formally disputing the accuracy, validity, and completeness of an account Midland Credit Management , Inc. ( MCM ) is attempting to collect and report. The alleged balance is {$590.00}, originally attributed to XXXX XXXX XXXX  ( XXXX ), Reference # XXXX, with an alleged account ending in XXXX. I dispute this debt in its entirety.

MCM used a wrong and outdated address for me XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX which is not my address, has never been my address, and caused me to receive no legally required notices.

My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Because they used the wrong address, I did not receive validation notices, debt information, billing history, or any disclosures required under the FDCPA and CFPB Regulation F.

I have no verified relationship with Midland Credit Management or any debt purchaser, and I was not provided proper notice of this alleged account by MCM or XXXX XXXX XXXX. 

Under the FDCPA ( XXXX XXXX. XXXX ( b ) ) and the FCRA ( XXXX XXXX. XXXX et seq. ), I requested full validation of this account. Specifically, I requested : Original credit agreement or contract Full itemized accounting showing how the {$590.00} balance was calculated Forward Flow Agreement proving legal sale of the account Full chain of title / assignment documents Complete payment history Validation notice ( FDCPA XXXX ) Notice of default or intent to collect Proof the debt is within the Massachusetts statute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA XXXX ) To date, I have not received any of these required documents. 
Instead, I received generic, automated letters that do not constitute lawful validation. 

Because the debt remains unsubstantiated, MCMs continued attempts to collect or report it violate : FDCPA XXXX ( b ) ( collecting without validating ) FCRA XXXX ( b ) & XXXX ( b ) ( reporting inaccurate or unverified information ) Regulation F ( failure to substantiate before collection ) Case law confirms that unverifiable or inaccurate accounts can not lawfully remain on my credit reports, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally , the original XXXX XXXX XXXX Cardmember Agreement includes a mandatory arbitration clause, and I elected arbitration. MCM ignored my arbitration election and instead filed a lawsuit, which is improper under the Federal Arbitration Act.

Given the wrong address used, failure to validate, unlawful reporting, and disregard of arbitration rights, I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I have made payments to Department of Education however Experian, XXXX, and XXXX  are reporting as 180 days past due. My payments are current and on time

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit bureau continues to lie and report inaccurate information- they have to be held liable and sued! The credit bureaus are even blocking disputes! This practice is totally against the credit guidelines and the ethics of the fair credit act!

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 2025-11-24 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: MO

Complaint narrative:
Credit bureau continues to lie and report inaccurate information- they have to be held liable and sued! The credit bureaus are even blocking disputes! This practice is totally against the credit guidelines and the ethics of the fair credit act!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, A while back I did complaint about this charge. XXXX said they responded to me but I did not see anything in mail or me email. The previous case is XXXX. I called the bank again and again, but their agents told me that is not their issue and the issue is with Home Depot. I told that agent the store card was issue by Citi.com. I then called Home Depot they said that they did not know. I got round to so many agents can not resolve. The phone tag was played by the agent from the bank and Home depot make me very frustrated. Please help to resolve this issue so I can have my credit score back. I was always pay before the due date. 
Thank you, Best regards.

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 2025-11-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I deposited {$1900.00} cash into the ATM with ID XXXX in Citibank at XXXX XXXX XXXX, XXXX, IL XXXX on Sunday the XXXX of XX/XX/year> around ( probably just a few minutes before or after ) XXXX. The ATM screen went blank after the door of the cash deposit box closed when I had already placed the money inside it. The ATM did not issue a receipt of the transaction. I waited in front of the malfunctioned ATM as I called the number at the back of my Citibank debit card. The ATM then turned back on after a while, with a message that said, Sorry, this machine is temporarily out of service including a footnote : Checking for updates The ATM finally rebooted but the deposited {$1900.00} did not reflect in my checking account when I had logged in again with my debit card. The Citibank representative ( on the ongoing phone call ) confirmed that they had traced my recent {$1900.00} deposit on their records, and instructed me to wait after their official investigation is conducted. I followed up after a week via phone, and I was told that the ATM had no overage so they could not return my money. I asked to re-open the case with case number XXXX. I am still waiting for my money back. There were 3 cameras on the ceiling in that room, not including the ATM camera. The ATM took my money, but Citibank is claiming otherwise. I am hoping that this report to the CFPB will help bring me justice.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no public record history on my credit report, and these entries should not be there. Please delete them immediately, as they are creating serious 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my account and the recent closure of my credit card.

I sent Form 4506 to Citi as required, and I have the USPS tracking number confirming that the delay in delivery was due to USPS processing, not any delay on my part. I acted promptly and responsibly.

When I became aware of the USPS delay, I called Citi immediately to notify your team and requested an extension to ensure compliance with your deadline. Despite this, I was never granted an extension, and my card was ultimately closed. Additionally, Citi has not waived the annual fee, even though I fulfilled the requirements in good faith and communicated proactively throughout the process.

Given the circumstances, I respectfully request the following : Reinstatement of my credit card account, as the delay was beyond my control and I submitted the required documentation on time ; or, if reinstatement is not possible, A full waiver or refund of the annual fee, since the account was closed despite my timely compliance ; and Confirmation that no negative information related to this issue has been or will be reported to any credit bureaus

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 monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items on my Equifax credit report, which I believe to be inaccurate and incomplete. The following account has been reported incorrectly : Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$110.00} Late Payment : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
am a 50 % co-owner and co-borrower in a co-op apartment in XXXX XXXX XXXX. After the death of my ex-husband ( the second borrower ), his estate 's attorney instructed the mortgage servicer, CARRINGTON mortgage services LLC, to withhold all account information from me, despite my legal interests and obligations. The bank refused to provide me with mortgage statements, payment balances, or itemized debt informationeven after foreclosure was ordered and stayed by the court. After I filed a complaint with the Attorney General, I received a reinstatement notice dated XX/XX/2025, stating that payment was due by XX/XX/2025. The notice was delivered on XX/XX/2025, making compliance impossible. 

This violates Regulation X due to the late disclosure and refusal to provide statements to me as a co-borrower. I need this information to comply with court orders and apply for emergency relief from the HRA. The bank is violating my rights under RESPA and is obstructing my mortgage. I am asking the CFPB to conduct an investigation, including to mitigate losses due to the excessive accumulation of penalties and legal fees, as reflected in the delinquent documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accounts listed below that appear on my Equifax credit report. These items may be inaccurately reported, and I request a thorough review.

Charged Off Accounts : XXXX XXXX, XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
This debit was paid in full and I received a refund check from the dentist. The amount that MG Credit is trying to collect is the same amount as the refund that ASAP Dental provided.

I requested verification of debt however all MG Credit provided was a billing statement. On the billing statement there are large sections blacked out. I am assuming the blacked out sections are illegal charges. The billing statement does show the refund on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates falsely represented themselves as attorneys while attempting to collect a debt from me. This is a violation of the FDCPA 807 ( 3 ), which prohibits any debt collector from falsely implying they are attorneys or that legal action is being taken.

The company contacted me and presented themselves in a manner that made it appear that an attorney or law office was involved in the collection process. This is a deceptive practice, and I found it intimidating and misleading.

I am not disputing the debt in this complaint I am reporting the collectors false, misleading, and deceptive representation in their communications.

Additionally, Aldous & Associates has reported a collection to XXXX  despite failing to provide proper validation of the alleged debt. This appears to violate FDCPA 809 ( b ) and FCRA obligations regarding accuracy.

I am requesting : 1. Investigation into Aldous & Associates for false attorney representation 2. Review of this companys compliance with federal debt collection laws 3. Deletion of their tradeline from my credit report due to illegal practices 4. A written response with the results of the investigation I can provide documentation including dispute letters and reporting details upon request. I mailed a dispute letter to the today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Sunbit regarding a {$31.00} account they have been reporting for several years. I have disputed this account with the credit bureaus more than 15 times over the past 3 years. Sunbit has never responded to a single dispute, never provided validation, and has never contacted me directly about this debt. 

I have no knowledge of this account, never opened credit with Sunbit, and have never received a contract, billing statement, or explanation of the charges. The creditor has failed to provide any documentation as required under the Fair Credit Reporting Act. Despite repeated disputes, the account keeps returning as verified, even though Sunbit has provided no information whatsoever to support the validity or accuracy of the debt. 

This is the only remaining inaccurate account on my credit report, and it is preventing me from rebuilding my credit. The lack of response from Sunbit and their failure to validate the debt indicates that this account is either fraudulent or reported in error. I am requesting that Sunbit validate the account with actual documentation or delete it from all credit reporting agencies.

Company response to consumer: Closed with explanation