vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
CFPB Complaint Failure to Validate Debt ( Midland Credit Management ) Date : XX/XX/2025 To Whom It May Concern, I am submitting this complaint because Midland Credit Management has failed to validate a debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2025, I sent Midland Credit Management a certified Debt Validation Letter requesting proof of an alleged {$1700.00} debt they are reporting to XXXX. I have received no response or documentation from Midland verifying this debt. Despite this, Midland Credit Management continues to report this account to XXXX and has even updated the account status as of XX/XX/2025, without providing any evidence of validation. This is a direct violation of FDCPA guidelines, which state that all collection activity including reporting to credit bureaus must cease until the debt is properly validated. The account appears on my XXXX  report as : - Account Name : MIDLAND CREDIT MANAGEMENT- Balance : $ XXXX Opened : XXXX Status : Collection account, updated XX/XX/XXXX, XXXXMidland Credit is telling XXXX  the debt is valid, yet has failed to send me any documents or proof of this claim. I am requesting the CFPBs assistance in having this unverified account removed from ALL my credit reports and holding Midland Credit Management accountable for violating my consumer rights. Thank you for your time and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
CONSERVE is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSERVE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-09 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am disputing a charge-off account from Chase ( ending in * XXXX ) that is being inaccurately reported on my XXXX credit report. The account was charged off, and my last confirmed payment occurred before XX/XX/XXXX. I have attached full XXXX XXXX bank statements from XXXX through XX/XX/XXXX, none of which show any payment to Chase. 
Despite this, Chase is reporting the account as " 120+ days past due '' every month from XX/XX/XXXX through XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits re-aging accounts after charge-off and limits the reporting of negative information to 7 years from the date of first delinquency. 
Based on the documentation I provided, the date of first delinquency was no later than XX/XX/XXXX. That means the 7-year reporting period ended in early XXXX yet the account is still active on my XXXX report and is being re-reported monthly as delinquent. This has caused a recent, unjustified XXXX drop in my credit score. 
I already disputed this through XXXX and submitted the supporting bank statements, but they responded that the information was verified as accurate. Chase has not provided proof of a more recent payment or validated their ongoing reporting practices. 
I am requesting that the CFPB investigate and require Chase to either correct the reporting to reflect the original delinquency date or delete the account entirely, as it is past the legal reporting limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TN

Complaint narrative:
My personal information was involved in XXXX data breach. 

Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-07-09 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: CT

Complaint narrative:
This is my formal demand under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c2 ) for the immediate deletion and blocking of the following fraudulent accounts and unauthorized hard inquiries that were made without my knowledge or consent. 

I am a victim of identity theft, and these items are damaging my credit file. Enclosed is my FTC Identity Theft Report, along with proof of identity and residence, as required by law. 



FRAUDULENT ACCOUNTS TO DELETE IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR DISPUTE FCRA 605B Under FCRA 605B, you are legally required to block and delete any account or inquiry resulting from identity theft within 4 business days of receiving : A written request An FTC Identity Theft Report Proper identification and address verification These obligations are enforceable under 15 U.S.C. 1681n, which also provides for civil liability for willful noncompliance. 
ENCLOSURES : FTC Identity Theft Report Government-issued photo ID Proof of residence ( utility bill ) Copy of this letter Please take this as your final notice. If you do not remove these items within 4 business days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and will pursue legal action for noncompliance under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am writing to dispute an inaccurately reported late payment that has appeared on my credit report. My own documentation reflects that the payment was made within the appropriate timeframe and does not justify being marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CT

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MO

Complaint narrative:
In early XXXX, I began disputing multiple medical collection accounts reported by XXXX XXXX to TransUnion. There are XXXX separate accounts listed, all opened on XX/XX/year>. Three accounts show a balance of {$2000.00}, and one shows a balance of {$2100.00}. All four accounts list the same original creditor and appear to be duplicate entries for the same debt.

I submitted disputes to XXXX  explaining that these accounts are duplicates and requested that they be removed. Despite this, XXXX  responded that the accounts were verified and refused to delete them. 

I submitted the same dispute to XXXX, and after their investigation, XXXX  removed the accounts from my credit report. This indicates that the debts are either duplicates, inaccurate, or unverifiable. 

XXXX continued reporting of these accounts, despite clear evidence and action taken by another credit bureau, is a violation of the Fair Credit Reporting Act ( FCRA ). These entries are not only misleading, but they also unfairly impact my credit score and do not reflect an accurate representation of my debt.

I am requesting that the CFPB investigate this matter and require TransUnion to remove these duplicate, inaccurate entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Nationwide Arbitration Services LLC
State: NC

Complaint narrative:
I have a XXXX complaint with a license theft complaint of dmv records. Account show reversed mortgage forfeiture of access .. Inaccessible account log in error from compromised data breach credit report was Inaccessible with the email log in with data breach litigation. My account was fraudulent extortion of goods with forbidden breach of contract access with error on credit report XXXX affidavit. The account was identified as hacked identity theft inaccessible. Twingate data breach pawned website. My account access with XXXX XXXX was inaccessible with my credit report. My hacked link to my dmv log in was error of background report with business in compromise form square up business account. XXXX XXXX vs XXXX XXXX protection plan. I have a digital scan from XXXX XXXX account was hacked with id restoration showing inadequate security in claims and Arbitration of dispute was terminated with a citation attorney data broker council. My account has been sent to he legal claims department for account forfeiture. I want to update my email with fraudulent access to company business litigation settlement with account compromised of business employment and license professional agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them 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 2025-07-09 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Contacted the collection agency, and explain that the amount was wrong and that I had no knowledge of this amount and I request it paperwork an offer to pay the correct amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate or can not be verified, the agency must delete it promptly.

I am requesting immediate deletion of the following fraudulent accounts that do not belong to me and were the result of identity theft : XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ), Account # XXXX, {$360.00} balance, opened XX/XX/XXXX ; XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX, {$1000.00} balance, opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account # XXXX, {$73.00} balance, opened XX/XX/XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX, {$780.00} balance, opened XX/XX/XXXX. 

These accounts were fraudulently opened or reported and should be permanently deleted and blocked from being reported in the future.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate or can not be verified, the agency must delete it promptly.

I am requesting immediate deletion of the following fraudulent accounts that do not belong to me and were the result of identity theft : XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ), Account # XXXX, {$360.00} balance, opened XX/XX/XXXX ; XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX, {$1000.00} balance, opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account # XXXX, {$73.00} balance, opened XX/XX/XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX, {$780.00} balance, opened XX/XX/XXXX. 

These accounts were fraudulently opened or reported and should be permanently deleted and blocked from being reported in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I found on XX/XX/XXXX that my credit card had XXXX available balance. I reached out and found that my credit card from USBank, my savings account with US Bank and my checking Account with US bank were under review for fraud and they will be closed soon. There is no other information.

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