vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
XXXX Bank XXXX. XXXX XXXX, XXXX XXXX XXXX, UT 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 RE : DEMAND FOR IMMEDIATE DELETION Disputed Items on Experian Credit Report dated XX/XX/year> To Whom It May Concern, This letter is a formal and final demand under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Guidelines, and Consumer Financial Protection Bureau ( CFPB ) regulations that you must immediately delete the following accounts from my Experian credit report : 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 Status : Open with reported charge-offs XXXX. XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection These entries are either factually inaccurate, unverifiable, outdated, or in violation of Metro 2 reporting standards. Despite previous disputes, these accounts remain on my report without any documented verification or correction. This is a direct violation of the FCRA, specifically : - Section 611 ( 1681i ) : Requires deletion of any item that can not be verified within 30 days.

- Section 602 ( 1681 ) : Mandates maximum possible accuracy in all consumer credit reporting.

- Section 623 ( 1681s-2 ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Furthermore, continued reporting of these accounts after dispute, without proper reinvestigation or documentation constitutes willful noncompliance and subjects both Experian and the furnishers to damages under federal law. 

I Demand the Following Action : - Permanently DELETE all XXXX accounts from my credit file at Experian immediately. 
- Send written confirmation of deletion to my mailing and email address. 
- Cease and desist from further reporting of these unverifiable or incorrect items. 
If the accounts are not removed within 30 days, I will file a formal complaint with the CFPB, the FTC, and consider legal action for damages related to willful FCRA violations. 

This letter serves as official notice that failure to respond appropriately or continuing to report unverified data will be documented as a legal violation of my consumer rights. 

I expect your full compliance and a prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I believe Chex system and early warnings has bought sold and traded my personal information for monetary gains and now has me XXXX  because Im having issue after issue with opening a account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 : {$1500.00} XXXX XXXX balance {$500.00} 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 : {$1500.00} XXXX XXXX balance {$500.00} 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: OK

Complaint narrative:
Complaint Type : Credit reporting issue Incorrect information on your report Company : Elevate Reco Problem : The collection agency reported a medical debt to my credit file without ever contacting me. The account shows as opened in XX/XX/XXXX, which is inaccurate. The original debt was paid in XXXX to XXXX XXXXXXXX XXXX, and I have confirmed this with the provider. 

This account has been sold multiple times, and previous agencies repeatedly added and removed it from my reports severely impacting my score. 

Elevate Reco has never sent a debt notice or validation before reporting. They are now reporting a debt that is already resolved and appear to have re-aged the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have requested written validation under the Fair Debt Collection Practices Act ( FDCPA ). I am seeking immediate removal of this account from all credit bureaus and a correction to the inaccurate reporting dates. 

Ive also experienced multiple data breaches involving my SSN from previous providers/collectors tied to this account. 

Resolution requested : Full deletion of this account from all credit bureaus and confirmation that Elevate Reco ceases all collection activity for this resolved, unverifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverified items currently appearing on my credit report as furnished by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), these entries are not only erroneous but are also a result of either identity theft or unverifiable information both of which are direct violations of my rights. In accordance with 15 U.S. Code 1681c-2, I am demanding that all information that is a result of identity theft or can not be verified be deleted and REMOVED from my credit report within four ( 4 ) business days from the receipt of this notice. 
XXXXXXXX XXXX XXXX BALANCED {$120.00}. XXXX XXXX  XXXX BALANCED {$820.00}. XXXX  XXXX XXXX BALANCED {$290.00}. XXXX XXXX BALANCED {$920.00}. XXXX XXXX XXXX BALANCED {$21000.00}. XXXX XXXX BALANCED {$1600.00}. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$9700.00}. XXXX XXXX BALANCED {$820.00}. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverified items currently appearing on my credit report as furnished by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), these entries are not only erroneous but are also a result of either identity theft or unverifiable information both of which are direct violations of my rights. In accordance with 15 U.S. Code 1681c-2, I am demanding that all information that is a result of identity theft or can not be verified be deleted and REMOVED from my credit report within four ( 4 ) business days from the receipt of this notice. 
XXXXXXXX XXXX XXXX BALANCED {$120.00}. XXXX XXXX  XXXX BALANCED {$820.00}. XXXX  XXXX XXXX BALANCED {$290.00}. XXXX XXXX BALANCED {$920.00}. XXXX XXXX XXXX BALANCED {$21000.00}. XXXX XXXX BALANCED {$1600.00}. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$9700.00}. XXXX XXXX BALANCED {$820.00}. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
Dispute Letter to XXXX Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX Subject : Immediate Action Required Violation of U.S. Law : Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ) and Fair Credit Reporting Act ( 15 U.S.C. 1681n ) After reviewing my credit report, I noticed serious billing errors that go against the Truth in Lending Act ( TILA ), specifically : Section 1666 ( b ) ( 4 ) : The creditor failed to properly reflect a payment I made or credit issued.

Section 1666 ( b ) ( 5 ) : There was a computation or accounting error in the billing statement.

Also, no proper billing statement was sent at least 21 days before reporting the late payment. This violates TILA and makes the reported late payment invalid and unenforceable.

Im asking for an immediate correction of the following : Provide verified proof from the creditors original accounting records ( not system notes ) showing : A payment was actually missed, and A proper billing statement was sent to me at least 21 days before the late payment was reported.

OR Update my credit report to show the account as Paid as Agreed.

If you dont fix this issue, I will take legal action. Under the law ( 15 U.S.C. 1681n ), I can sue for money damages, extra ( punitive ) damages, and attorneys fees. Provide verifiable proof from Santanders original accounting records not system notes showing that : A payment was truly missed, AND That a proper billing statement was provided to me at least 21 days before the report of delinquency If this is not corrected, I will be forced to pursue further action.

Under 15 U.S.C. 1681n, I may pursue legal damages, including monetary and punitive damages, as well as attorneys fees for willful or negligent violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
Dispute Letter to XXXX Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX Subject : Immediate Action Required Violation of U.S. Law : Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ) and Fair Credit Reporting Act ( 15 U.S.C. 1681n ) After reviewing my credit report, I noticed serious billing errors that go against the Truth in Lending Act ( TILA ), specifically : Section 1666 ( b ) ( 4 ) : The creditor failed to properly reflect a payment I made or credit issued.

Section 1666 ( b ) ( 5 ) : There was a computation or accounting error in the billing statement.

Also, no proper billing statement was sent at least 21 days before reporting the late payment. This violates TILA and makes the reported late payment invalid and unenforceable.

Im asking for an immediate correction of the following : Provide verified proof from the creditors original accounting records ( not system notes ) showing : A payment was actually missed, and A proper billing statement was sent to me at least 21 days before the late payment was reported.

OR Update my credit report to show the account as Paid as Agreed.

If you dont fix this issue, I will take legal action. Under the law ( 15 U.S.C. 1681n ), I can sue for money damages, extra ( punitive ) damages, and attorneys fees. Provide verifiable proof from Santanders original accounting records not system notes showing that : A payment was truly missed, AND That a proper billing statement was provided to me at least 21 days before the report of delinquency If this is not corrected, I will be forced to pursue further action.

Under 15 U.S.C. 1681n, I may pursue legal damages, including monetary and punitive damages, as well as attorneys fees for willful or negligent violations of the Fair Credit Reporting 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 2025-06-23 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
1. XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$2500.00} balance Violation : Conflicting account status and credit limit reporting ; charge-off while listed as open and past due. 
Law : 15 U.S.C. 1681i, 1681s-2 ( b ), Metro 2 Demand : Delete for unverifiable status, inaccurate high credit limit, and lack of contract.

2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Collection for {$2000.00} Violation : Improper aging of payment history, marked as 120 days late ; no signed documentation provided.

Law : 15 U.S.C. 1681e ( b ), 1681b Demand : Remove immediately for lack of permissible purpose and unverifiable data.

3. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Status : * * Charged-off with {$3200.00} Violation : High credit reported as {$3200.00} while past due balance exceeds that ; factual contradiction under Metro 2 .

Law : 15 U.S.C. 1681e ( b ), Metro 2 Demand : Delete immediately due to factual inaccuracy.

4. XXXX XXXX XXXX XXXX XXXX Status : * * Charge-off with {$270.00} balance Violation : Reported as in dispute, then resolved without verification ; shows closed but reported as active.

Law : FCRA 1681s-2 ( b ), CFPB enforcement on Experian  & XXXX  for sham dispute practices RDemand : Remove account due to failure to verify and improper reinvestigation.

5. XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$590.00} past due Violation : Misleading status ; no contractual agreement provided ; long dormancy period with inconsistent updates.

Law : 15 U.S.C. 1681i, Metro 2 Demand : Delete for unverifiable status and noncompliance.

6. XXXX XXXX XXXX XXXX XXXX XXXX  Status : * * Charge-off with {$630.00} Violation : Disputed multiple times ; no method of verification provided; duplicate entries found on XXXX and Experian.

Law : 15 U.S.C. 1681s-2 ( b ), 1681b Demand : Remove immediately due to unverifiable and duplicated reporting.

7. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status : * * Charge-off with {$570.00} Violation : Same as above ; multiple trade lines referencing the same debt under different numbers.

Law : Metro 2 Guidelines & 15 U.S.C. 1681e ( b ) Demand : Delete as duplicate and unverifiable.

8. XXXX XXXX XXXX XXXX XXXX Status : * * Charge-off with {$1100.00} Violation : Balance exceeds credit limit ; high credit reporting is inconsistent with credit line.

Law : FCRA 1681e ( b ), 1681s-2 Demand : Delete due to Metro 2 and factual reporting violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Pulled my credit report and found fraud accounts on my report Fraud Please delete this accounts this is as results of the experian breach and lawsuit with cfpb and FRCA deleted fraud addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete fraud accounts XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number 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