vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding a third-party collection agency that has reported a debt on my credit report without my knowledge, without proper validation, and without following the appropriate legal processes as outlined under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Recently, upon reviewing my credit report, I noticed an entry from Midland credit management Inc regarding a {$640.00} debt that I have no prior knowledge of. I was never contacted regarding this alleged debt, was not given an opportunity to validate or dispute it, and was not informed of its existence before it was reported to the credit bureaus. This lack of communication is not only unfair but is a violation of my rights under federal law. 

According to the FDCPA, a debt collector must provide proper validation of a debt within XXXX days of initial communication. Additionally, under the FCRA, any information reported to the credit bureaus must be accurate and verifiable. Reporting a debt without providing notice or an opportunity to dispute it violates these protections. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having this collection account permanently removed from my credit report. I am prepared to provide copies of my credit reports and any other documentation needed to support this claim. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX, I disputed XXXX student loan accounts with TransUnion and Equifax. All of these loans were reported as delinquent and my credit score dropped XXXX points. The loan provider, XXXX, was contacted and forbearance was approved on XX/XX/XXXX and I received a letter stating all accounts were in good standing. On XX/XX/XXXX, I received another letter from XXXX stating that ALL accounts on current and in good standing and NOT in default. On XX/XX/XXXX, my credit score dropped again, due to TransUnion and Equifax denying my disputes, and all XXXX loans are showing delinquent on my credit report. Even under the status of each loan listed in my TransUnion account, the loan status sayd " current ''. On XX/XX/XXXX, I called XXXX again and confirmed NO loans are in default and they did not report it to any credit bureau. 
All of these loans should be removed immediately due to 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 2025-04-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX VA XXXX I want this information remove from credit report I sent a copy of police report. I did not make this charge I was incarcerated during the time frame in question. I also had the brutal of prison send in documents as well.. I also requested a XXXX and didn't receive anything

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 2025-04-27 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:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX VA XXXX I want this information remove from credit report I sent a copy of police report. I did not make this charge I was incarcerated during the time frame in question. I also had the brutal of prison send in documents as well.. I also requested a XXXX and didn't receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OK

Complaint narrative:
I was making monthly payments to the XXXX XXXXXXXX, a minumum of {$200.00} a month and got it paid down to less than {$900.00} dollars. I am not making any payments to a collection agency, since I am still making payments to the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question is : XXXX XXXX Reported as XXXX XXXX XXXX Charge-Off with Balance This account is XXXX XXXX fraudulent and in violation of the FCRA XXXX XXXX for the following reasons : XXXXXXXX XXXX XXXX  Incorrect Reporting as Charge-Off with Balance XXXX XXXX The creditor has * * failed to issue me a legally required 1099-C ( Cancellation of Debt ) XXXX XXXX  despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes. 

XXXX XXXX XXXX Violation of IRS Tax Code & FCRA XXXX XXXX By reporting this debt as a loss to the IRS XXXX XXXX without issuing me a 1099-C XXXX XXXX, the creditor has XXXX XXXX  misrepresented the debt status XXXX XXXX. If they claimed a tax deduction for this loss, the balance must be XXXX XXXX  {$0.00} XXXX XXXX  and the account must be XXXX XXXX removed from my credit report XXXX XXXX 

XXXX XXXX XXXX False & Misleading Information XXXX XXXX  The continued reporting of a balance while claiming a tax write-off is XXXX XXXX deceptive and unlawful XXXX XXXX under XXXX XXXX 15 U.S.C. 1681e ( b ) XXXX XXXX, which requires maximum possible accuracy in credit reporting.

XXXX XXXX Demand for Immediate Action XXXX XXXX XXXX XXXX XXXX XXXX Delete this account XXXX XXXX from my credit file immediately.

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 2025-04-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: MD

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 2025-04-27 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I recently pulled my credit report and notice that the following companies are reporting on my credit report inaccurately Bridgcrest acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX they are reporting inaccurate on my acct. first of all duplicated accts./ charge off and reporting a balance the open dates are different and the high credit amts are being reported differently on XXXX XXXX XXXX. violates 15 usc 1681 and violate my rights. This account is is written as a charge off but I never received a 1099-C form. I did send out certified letter and they said in response that it was verify but it still hasn't been verified accurately. the companies are inaccurately reporting this acct status as a charge off acct so this acct is paid in full so add it as a paid acct.15usc1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armstrong and Associates, Inc
State: MS

Complaint narrative:
I contacted XXXX and agreed on a payment plan for my bill. I received a statement by mail, which was dated XX/XX/year> stating my payment would be due by XX/XX/year>. A few days later, I received a notice of collection dated XX/XX/year> for the SAME account for which I have already agreed on a payment plan for. The account on the notice from XXXX is for {$61.00} however the amount on the notice from the debt collector is requesting {$230.00}. TWO DIFFERENT AMOUNTS FOR THE SAME ACCOUNT NUMBER, and furthermore, THE DEBT BEING REQUESTED IS SUPPOSE TO BE ON A PAYMENT PLAN WITH XXXX. I received another notice recently, stating one of those same accounts from my agreed payment plans has a due date of XX/XX/year>. So it seems UMMC Sold my debt AFTER arranging a payment plan with me and BEFORE even sending the invoice dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally demand the immediate removal of inaccurate and unauthorized negative items appearing on my consumer report maintained by ChexSystems under my Social Security number. 
The disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of these accounts and did not authorize their creation. Under FCRA 605 ( b ), you are required to block reporting of any information alleged to result from identity theft or unauthorized activity within XXXX ( XXXX ) business days of receiving a proper dispute. 
Accordingly, I demand that you : Immediately remove the above-referenced negative entries from any and all consumer files you maintain concerning me within XXXX ( XXXX ) business days of receipt of this notice. 


Provide written confirmation that the items have been removed. 


Should you fail to comply within the timeframe prescribed under federal law, I will pursue all available remedies, including but not limited to : Filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the XXXX Attorney Generals Office. 


Initiating legal action against your company for violations of the Fair Credit Reporting Act ( FCRA ) and seeking monetary damages for defamation, negligent enablement of identity theft, and willful non-compliance.

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 2025-04-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These are inquiries that i do not recognize on my credit report used to open a credit account. They where not successful and I did not experience any lost. I'm currently using XXXX XXXX XXXX monitoring services provided to me for free. Due to major data breach. I followed there advice and changed all passwords. I would like these inquiries removed from report. Even knowing they had minor to no effect on credit. I also submitted a credit freeze XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX  ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
These are inquiries that i do not recognize on my credit report used to open a credit account. They where not successful and I did not experience any lost. I'm currently using XXXX XXXX XXXX monitoring services provided to me for free. Due to major data breach. I followed there advice and changed all passwords. I would like these inquiries removed from report. Even knowing they had minor to no effect on credit. I also submitted a credit freeze XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX  ( Bank )

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 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the law FCRA 605B it is illegal to report anything on my credit report without my permission. Please remove negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
According to the law FCRA 605B it is illegal to report anything on my credit report without my permission. Please remove negative items

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 2025-04-27 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: NC

Complaint narrative:
According to the law FCRA 605B it is illegal to report anything on my credit report without my permission. Please remove negative items

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 2025-04-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. the items I deleted are listed in the report, I am a victim of identity theft and I did not make the charge. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this items as 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 2025-04-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. the items I deleted are listed in the report, I am a victim of identity theft and I did not make the charge. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this items as 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 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I have filed two disputes with Chime regarding not receiving a refund from XXXX and having a unauthorized charge from XXXX  On one of the disputes, ( # XXXX ) I provided clear and precise information for their " investigation '', including chat logs with XXXX Support clearly stating the charge was not valid and they still denied my dispute. They provided me with a provisional credit during the dispute and then after about 45 days they denied the dispute and pulled the funds from my account unexpectedly. After contacting support to ask why the claim was denied with the information and evidence I provided, I received no answer and I was told that I would receive an email within a few days containing an explanation. I never received the email or explanation. 

On my second and current dispute ( # XXXX ) I filed this dispute over 30 days ago and I did not receive any provisional credit or received any information about this claim/dispute. I just called into support and they provided no information about the claim. 

This is pretty ridiculous that if you have a dispute with a company and they charge you when they shouldn't your financial institution goes along with the fraud.

Company response to consumer: Closed with monetary relief