vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Request For Debt Validation and Assignment of Debt XXXX XXXX XXXX XXXX XXXX  Dear Midland Credit Management, I am writing to formally request validation of the alleged debts you claim I owe. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act, specifically

15 U.S.C. 1692 g ( b ). I do not acknowledge or accept these debts, and I am requesting that you provide proper documentation validating your legal right to collect this debt.

Please provide the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including breakdown of principal, interest, fees, and any other charges.

3. A copy of the original signed contract or agreement that creates the obligation to pay. 
4. A complete chain of title for the debt, including breakdown : The original creditor Any subsequent owners of the debt The current creditor 5. A copy of the assignment or purchase agreement between your agency and the original or previous creditor, showing that you have the legal right to collect this debt.

If the full purchase agreement is confidential please provide a redacted version that clearly shows : The assignment of this specific debt The name of the debtor The amount owed The effective date of the assignment 6. Proof that you are licensed to collect debts in my state, if applicable, including your license number and state of issuance. 

Pending receipt of the above documentation please cease all collection activity and do not report this alleged debts to any credit reporting agency, or if already reported please immediately request removal until the matter is resolved. 

Please consider this letter a formal dispute of the alleged debts. If you are unable to provide the requested documentation, you must cease collection efforts as required by law. 

I expect a response in 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: MD

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 explanation
Consumer complaint received 2025-09-29 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: MD

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ 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 explanation
Consumer complaint received 2025-09-29 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My loans which were serviced under Naviet was not included in the lawsuit. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Is that was a result of Covid was removed from all bureaus I dont know how this is even still on my Trans Union report. I contacted Trans Union they remove my contact date it says invalid now its been over 56 days since it was initially reported as false information and they have not removed it they refused to remove it and less I contact you first

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute the accuracy of information reported on my credit file.

The account in question is : Creditor/Lender : SELF/LEAD Account NumberXXXX Status : Closed, {$0.00} Balance This account was paid in full and closed, yet it continues to appear on my credit report in a way that is inaccurate and misleading to potential creditors. The reporting of an inactive account that carries no balance but still negatively affects my creditworthiness is neither complete nor verifiable as required under FCRA 602 ( A ), 607 ( B ), and 611 ( A ).

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I am formally requesting : 1.A reinvestigation of this accounts accuracy ; 2.The deletion or correction of any incomplete or unverifiable information ; 3.A copy of all documentation the furnisher has provided that substantiates their reporting of this account ; 4.Notification to me in writing of the results of your investigation within 30 days as required by FCRA 611 ( a ) ( XXXX ) XXXX A ). 

If the furnisher of this information can not provide verifiable proof that this closed account with a XXXX balance is being reported accurately and in compliance with the law, it must be deleted from my credit file. Continuing to report unverifiable or inaccurate data violates FCRA 607 ( B ) which requires maximum possible accuracy of information. 

Please note that I am keeping detailed records of all correspondence. 
I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: LA

Complaint narrative:
I am filing a complaint against InDebted for violating the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I sent a written debt validation request via certified mail. The company received it on XXXX XXXX but has never provided verification of the alleged debt. 

Despite this, they have continued collection activity, including emails from XXXX XXXX with Indebted on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The emails from XXXX XXXX were trying to get me to settle but the debt has not been verified. I also received emails from XXXX on XX/XX/XXXX and XX/XX/XXXX stating the account was overdue. This is a violation of 15 U.S.C. 1692g ( b ). They are attempting to collect without proof that the debt is valid or that they have the legal right to collect it. 

I request that the CFPB investigate this company, require them to cease collection until proper validation is provided, and remove any negative credit reporting tied to this unverified account. Proof of my verification request and delivery confirmation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute the accuracy of information reported on my credit file.

The account in question is : Creditor/Lender : XXXX Account NumberXXXX Status : Closed, {$0.00} Balance This account was paid in full and closed, yet it continues to appear on my credit report in a way that is inaccurate and misleading to potential creditors. The reporting of an inactive account that carries no balance but still negatively affects my creditworthiness is neither complete nor verifiable as required under FCRA 602 ( A ), 607 ( B ), and 611 ( A ).

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I am formally requesting : 1.A reinvestigation of this accounts accuracy ; 2.The deletion or correction of any incomplete or unverifiable information ; 3.A copy of all documentation the furnisher has provided that substantiates their reporting of this account ; 4.Notification to me in writing of the results of your investigation within 30 days as required by FCRA 611 ( a ) ( 1 ) XXXX A ). 

If the furnisher of this information can not provide verifiable proof that this closed account with a XXXX balance is being reported accurately and in compliance with the law, it must be deleted from my credit file. Continuing to report unverifiable or inaccurate data violates FCRA 607 ( B ) which requires maximum possible accuracy of information. 

Please note that I am keeping detailed records of all correspondence. 
I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), regarding multiple inaccurate and unauthorized entries being reported on my consumer credit files. These items are either fraudulent, obsolete, or do not belong to me. I am requesting the Consumer Financial Protection Bureau to assist in ensuring these inaccuracies are investigated and permanently removed.

The following disputed items are being reported across one or more of the credit
bureaus : Creditor / Company Date Reported / Inquired Notes / Amount XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX / XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Obsolete Inquiry beyond reporting limits XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry / Account XXXX XXXX  XXXX ( Alabama ) XX/XX/XXXX {$9500.00} inaccurate balance XXXX XXXX XXXXXX/XX/XXXX Collection account, not mine XXXX XX/XX/XXXX Inaccurate reporting As a consumer, I am entitled to fair and accurate credit reporting. These disputed entries are causing significant harm and misrepresentation of my creditworthiness.

I request the CFPB to : 1. Review and process this complaint.

2. Ensure the credit reporting agencies comply with their obligations under the FCRA.

3. Provide me with updates on the status of this investigation.

I appreciate your immediate attention to this matter and request a resolution in accordance with federal law. 
Sincerely, 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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
22-year customer of BofA. Administrative error on BofA 's part, led to the automatic " Bill Pay '' being unexplicably stopped. I was told it was a new change to the system. I called to rectify the issue, and the agent set up the bill pay over the phone, along with a payment to catch up. A month later, the XXXX payment did not work, despite being told it would. When I noticed the balance was higher than it should be, I called back to inquire why the autopay, set up by the agent, did not work and again, made the payment. And yet, the petition for interest removal was denied. Agents on the phone say they can not do anything more. 

Why am I paying for BofA 's failure? Why, when this problem was " fixed '' by the agent over the phone, am I paying for it?

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America XXXX XXXX XXXXXXXX XXXX Bank teller shredded my card after I handed it to him. Damaged my card refused to replace it. 
Several fraud alerts place on my account no fault of my own Bank closed my account {$12000.00} Credit limit credit card Problem why it was closed. Verification on making text messages to phone invalid information. Did not believe me took my funds, sent information to vendors about me and my Account request payment back, made payments late.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-29 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: MD

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I recently disputed collection accounts with XXXX credit bureau, and they were marked as closed. However, these accounts remain on my credit report and continue to negatively affect my credit. I have requested verification and proper documentation from the bureau and/or furnishers, but they have not provided adequate proof that these accounts are accurate and should remain reported.

Under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2, and 1681e ( b ) ), credit reporting agencies and furnishers are required to ensure that all reported information is accurate, complete, and up-to-date. Reporting closed or paid accounts as derogatory violates these obligations. 

I am requesting that all closed collection accounts that can not be verified be immediately deleted from my credit report. I also request written confirmation once the deletion has been completed. Continued reporting of these accounts as negative information constitutes a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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 writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00}

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