vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management/Midland Funding is reporting multiple collection accounts on my credit file, and several of these accounts are being reported twice on XXXX  under different variations of their name. The accounts in dispute are : XXXX XXXX  XXXX ( {$480.00} ), XXXX XXXX XXXX  XXXX ( {$2300.00} ), XXXX XXXX XXXX  XXXX ( {$750.00} ), XXXX  XXXX XXXX  XXXX ( {$1100.00} ), and these exact same accounts are duplicated again under MIDLAND CREDIT MANAGEMENT with the same account numbers and balances. Midland placed all of these collections on my credit report without ever sending me the initial legally required 30-day validation notice, and I have not received a single piece of written verification, proof of ownership, contract, itemization, chain of assignment, or any documentation that legally ties me to any of these alleged debts. Duplicate reporting is a violation of the FCRAs maximum-accuracy requirement ( FCRA 602 and 623 ), and continuing to furnish derogatory information without validating after multiple disputes violates FDCPA 1692g ( a ) and 1692g ( b ). Under Metro-2 standards, Midland must have the original signed contract, complete account history, the date of first delinquency, a full itemized breakdown of the balance, proof of legal ownership, and the full chain of title from the original creditor to Midland none of which has been provided. I have requested written validation several times, and Midland has failed to send even one legally sufficient document. I have researched Midland extensively and I am fully aware of their prior CFPB enforcement actions, lawsuits, and patterns involving inaccurate reporting, failure to validate, and deceptive collection practices, and what they are doing on my file is consistent with those documented issues. Midland is reporting unverified, duplicated, and inaccurate information, ignoring validation requests, and continuing to furnish derogatory data without proof, which is illegal under the FCRA, FDCPA, and Metro-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-11-27 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: FL

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-11-27 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-11-27 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing withinXX/XX/XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-27 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: AR

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-26 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: AR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney XXXX XXXX XXXX XXXX XXXX fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. System is reporting a collection account for ATT/XXXX  ( Account XXXX for {$890.00} ) on my credit file even though I never received the legally required initial 30-day validation notice, no bill, no statement, no itemization, and no documentation whatsoever before this debt was furnished to the credit bureaus. I have requested written validation multiple times, and I.C. System has failed to provide any legally sufficient proof such as the original signed agreement with AT & TXXXX , a full itemized breakdown of the alleged balance, the date of first delinquency, billing statements, proof of ownership, proof of assignment from the original creditor, or any chain of title showing that I.C. System has the legal right to collect or furnish this alleged debt. Under the FDCPA ( 15 U.S.C. 1692g ( a ) and 1692g ( b ) ), I.C. System is required to send written notice of the debt and MUST stop all collection activity until proper validation is provided, yet they continued reporting this debt without validating anything. Under the FCRA ( 602 and 623 ), I.C. System is prohibited from furnishing information that is inaccurate, unverifiable, or unvalidated, and XXXX reporting standards require complete documentation, accurate status codes, correct creditor information, and proof of permissible purpose before a debt can be furnished. I.C. System has supplied none of this, and instead continues to report this account as verified without showing me a single document proving the debt exists or belongs to me. I am aware of I.C. Systems history of complaints, lawsuits, and enforcement actions involving inaccurate reporting and failure to validate, and what they are doing to my credit file matches these same patterns. I.C. System is reporting an unvalidated, unverified, and legally unsupported collection account in violation of the FDCPA, FCRA, and XXXX requirements.

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 2025-11-27 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: NY

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., to formally dispute inaccurate and incomplete information being reported on the above-referenced account. This dispute is supported by documentary evidence and applicable case law establishing your legal obligations.

I. ACCOUNT INFORMATION BEING DISPUTED Based on my credit report, the following account contains inaccurate information : Based on the payment history shown, the letter addresses several material inconsistencies that violate FCRA accuracy requirements : Conflicting Payment Information : The account shows a Date of Last Payment : XX/XX/XXXX with an Actual Payment Amount of {$230.00} Yet XX/XX/XXXX also shows " 60 '' ( 60 Days Past Due ) status This is a logical impossibilityyou can not make a payment while simultaneously being 60 days delinquent nconsistent Scheduled vs. Actual Payments : Scheduled Payment Amount : {$0.00} Actual Payment Amount : {$230.00} If no payment was scheduled, late payment reporting is contradictory Payment History Grid Issues : Shows charge-off ( CO ) status for multiple months in XXXX Yet also shows on-time payment checkmarks ( ) for other periods Account closed XX/XX/XXXX with final payment madeconflicting with delinquency status XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) - Established that credit bureaus must go beyond simply re-verifying with furnishers when consumers provide evidence of inaccuracies 5 U.S.C. 1681i - Requires credit bureaus to conduct a " reasonable reinvestigation '' of disputed information and delete unverifiable data 15 U.S.C. 1681s-2 - Imposes duties on furnishers to report accurate information and investigate disputes CFPB Circular 2022-07 - Emphasizes that both CRAs and furnishers must conduct reasonable investigations, not just superficial verification SPECIFIC INACCURACIES IDENTIFIED Upon careful review of my credit report, I have identified the following material inaccuracies and inconsistencies that violate the FCRA 's accuracy requirements : A. Conflicting Payment Status Information The account simultaneously reports : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$230.00} XXXX XXXX  Payment Status for XXXX. 

correct current statatus of the to mark the accurate status. account paid as agreed and never late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX U.S. Code XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX U.S. CodXXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Issue : Incorrect collection from XXXX XXXX XXXX appearing on my credit report. 

What Happened : In XXXX, I moved out of a shared apartment. Before moving, I calleXXXX XXXX XXXX XXXX to notify them I was leaving and to have my name removed from the account ; I was told on that call that I would no longer be responsible for the account. After I moved, my former roommate failed to pay the remaining cable/internet bill. Despite my prior notice and confirmation, the account stayed in my name. 

XXXX XXXX XXXX then sent the balance to collections and later sold it to a third-party agency. I was no longer living at the residence during the billing period in question and did not incur this debt. XXXX XXXX XXXX did not properly update the account despite my move-out documentation, and the collector has not provided valid proof under the FDCPA. The collection periodically reappears on my credit report and is inaccurate under the FCRA.

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 2025-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Complaint : I am filing a complaint regarding Freedom Mortgage due to repeated mishandling of my mortgage payments, failure to properly apply funds, and failure to process promised reversals. 

Here is the timeline of events : XX/XX/XXXX : A regular mortgage payment and an additional {$50.00} principal payment were processed by Freedom Mortgage even though I canceled them in their online system. 

XX/XX/XXXX : I submitted my intended payment for XX/XX/scrub> 2025 through my banks XXXX XXXX. Freedom Mortgage incorrectly applied it as a principal-only payment, not as my regular installment. 

XX/XX/XXXX : A Freedom Mortgage representative told me the erroneous XX/XX/XXXX payments ( {$620.00} + {$50.00} ) were being reversed. 

As of today, no reversal has appeared in my bank account, and the XXXX XXXX payment is still posted as principal only instead of being applied to my XX/XX/scrub> 2025 installment. 

I have contacted Freedom Mortgage multiple times to correct these errors. I requested : Proper reallocation of my XXXX XXXX payment to my XX/XX/year>2025 mortgage payment, Completion of the {$620.00} + {$50.00} reversal, Written confirmation and correction of my account status. 

Despite these attempts, the issues remain unresolved. My mortgage account still shows incorrect payment application, and the reversal has not been returned to my bank. 

I am concerned about potential negative impacts on my account, including incorrect delinquency, escrow miscalculations, and mishandled funds. 

I am requesting CFPB assistance to ensure : My payments are correctly applied, The reversal is completed, My account is properly updated and documented, Freedom Mortgage responds in a timely and accurate manner. 

Thank you.

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 2025-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Credit bureau is showing the I have less payments made and a delinquency per the credit reporting department. My credit score dropped significantly I was told that XXXX worked directly with corporations placing students in internships and that there was a good possibility to go from a placed internship to working full time. But what they dont tell you are the real numbers. They dont tell you that most students dont experience any direct help from XXXX, never mind get a job. 
Between XXXX of XXXX to XXXX of XXXX, I took out between {$26000.00} to {$32000.00}. Before withdrawing, XXXX owed me a refund, and after I left, they claimed that I owed them that money. They immediately sent their collections agency after m me threatening that if I didnt comply with the payments, they could do something with my current financial aid. That freaked me out because I cant afford for them to mess with my financial aid again. 

I would say that I took out these loans under false pretenses. It was fraud, plain and simple. I was told I would receive a service that I never actually received. I was lucky that Im a little older so Ive had past experiences and family members that helped me realize things were not right. I caught the red flags eventually. I cant imagine being XXXX or XXXX and having no idea whats happening. I cant imagine how terrifying it would be to get these calls from collection agencies. These schools harass you to comply and its scary Mastery note and chain of custody Nelnet inaccurate miscalculation monthly payments Inaccuracy in billing Fcra violation under 15usc1681 mandates Nelnet removes student loans off each consumers credit report Dispute and delete request No responses. When I call its just refer to another number. No resolutions. 
They also report delinquency and Im on an Income based repayment. Which I have never been delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX refused to remove charges on account I didn't authorize these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: PA

Complaint narrative:
In XX/XX/year>, my XXXX was hacked. Someone changed the name, type of account, contact info, and added another bank account. They withdrew money from my bank account through XXXX and deposited it in the bank account that they added to my account. I caught this after they stole {$590.00}. I contacted XXXX that this was fraud. They told me they couldnt do anything and to take it up with my bank, XXXX. XXXX filed a dispute and determined it to be fraud and refunded me the {$590.00}. I promptly closed the XXXX account because I didnt plan to use it anymore and I didnt want any more fraud to occur. around XX/XX/year>, I started getting texts about a collections account. I thought it was fraud and blocked and ignored them. I got a document in the mail stating American Coradius was in charge of collecting this debt and I went to dispute it but it was after the date on their mailing. Neither XXXX or American Coradius could help me claiming it was out of their hands. In XXXX, I contacted an attorney who wrote a letter to American Coradius to stop contacting me since this was fraud. The attorney said they should respond within 30 days. By 45 days, in XXXX, there was no response from American Coradius. The attorney said to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime wont close my account when I stated to them that the account is a fraud

Company response to consumer: Closed with explanation