vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Collection Account Reporting Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The account in question is : Creditor Name : Midland Credit Management Original Creditor : XXXX XXXX Bank XXXX XXXX. 
Account Number : XXXX Balance Reported : {$4100.00} Status : Collection Account Upon reviewing my credit report, I identified factual errors that must be corrected : 1.Inaccurate Status Updated Date vs. Continuous Reporting : The report states that the accounts status was last updated in XX/XX/XXXX, yet the payment history continues to report delinquency through XX/XX/XXXX. If the account was last updated in XXXX, then it should not be reflecting ongoing monthly delinquency. This suggests re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 
2.Repeated Collection Reporting Extending the Negative Impact : The payment history incorrectly reflects a collection status every month from XX/XX/XXXX through XX/XX/XXXX. This kind of repeated reporting makes it appear as though new delinquencies are occurring, when in reality, this account was already in. 

These inaccuracies are misleading and negatively impact my credit. I request that XXXX investigate this account, and if the creditor can not verify accurate reporting, I request that the account be corrected or removed from my credit report. 

Please provide a written response with the results of your investigation within the time required under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Ive been trying for years to correct my credit I was victim of identity theft by the people I used to lived in the past I still have all those accounts the are not mine I try before many time disputing these with XXXX but no resolution 15 USC 1681 ( 0 ) civil liability for negligent noncompliance I want all the negative to erase and delete or remove for my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally dispute overdraft and insufficient fund fees that were charged to my account under circumstances that I believe were unfair and in violation of consumer protection laws. I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has taken action against Navy Federal for imposing surprise overdraft fees, where transactions that appeared to have sufficient funds at the time of purchase later resulted in overdrafts upon processing. Unfortunately, I believe I have been affected by this practice and would like to take action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XXXX I had put {$1000.00} into my XXXX account and they took my money and gave me a service fee to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume 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 explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I HAVE DISPUTED ITEMS ONLY TO COME BACK VERIFIED AND STILL I HAVE INFORMATION THAT DO NOT BELONG TO ME IS BEING FURNISHED, DISSIMINATED, SOLD, SHARED AND STORED WITH OUT MY CONSENT BY EXPERIAN, XXXX XXXX AND XXXX IN MY DATA, I HAVE STATED UNDER FCRA MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND THE SAME ISSUE NOW PREVENTING ME FROM OBTAINING A MORTGAGE DUE TO THESE ACCURATE REPORTING.

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 2025-01-30 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: MD

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$1700.00} XXXX XXXX  XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights 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 non-monetary relief
Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume 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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Complaint Against Midland Credit Management for FDCPA Violations Dear CFPB, I am filing a complaint against Midland Credit Management ( MCM ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Here are the details : My Information : - **Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations by MCM : 1. **No Validation of Debt : ** MCM did not send me written proof of the debt within five days of first contacting me, as required by law.

2. **Harassment : ** MCM [ describe harassing behavior, e.g., called repeatedly, used threats, or was rude ].

3. **False Statements : ** MCM [ lied about the amount owed, threatened legal action they can not take, or pretended to be attorneys ].

4. **Unfair Practices : ** MCM tried to collect fees or interest not allowed by law or the original agreement. 


Since XX/XX/XXXX, Midland Credit Management has been calling me daily from different phone numbers. This makes it difficult for me to avoid their calls or identify who is contacting me. The constant calls feel harassing and overwhelming. For example, on XX/XX/XXXX I received calls from three different numbers within a single day.

Additionally, MCM has threatened to sue me over this debt, even though they have not provided proper validation of the debt as required by law. A representative told me in a letter, we are going to take you to court if you dont pay immediately. This is a violation of the FDCPA, which prohibits debt collectors from making false threats or misrepresenting legal action, especially when they have not validated the debt.

What I Want : 1. MCM to stop contacting me about this debt.

2. The debt to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information.

Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction : XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Monthly payment - Past due amount {$1800.00} Terms 1 Month Responsibility Joint Your statement-

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information.

Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction : XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Monthly payment - Past due amount {$1800.00} Terms 1 Month Responsibility Joint Your statement-

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 2025-01-30 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:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
I am writing to bring to your attention a serious concern regarding the handling of my recent dispute. It has come to my attention that you have violated my rights by failing to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I submitted a dispute to Experian regarding XXXX XXXXXXXX XXXX XXXX$1000.00}, XXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX {$4800.00} and XXXX XXXX {$870.00}. According to the FCRA, upon receiving a dispute, you are obligated to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information.

However, I regret to inform you that your investigation was inadequate and failed to fulfill the obligations outlined by the FCRA. I disputed these account and Experian reported accurate without proper investigation under the 15 U.S.C 16810 Civil Liability for Neglgient Noncompliance Law I must emphasize the significance of this matter, as the accuracy of my credit report directly impacts my financial standing and opportunities. As a consumer, I have the right to expect a fair and thorough investigation of any disputed information. 
Therefore, I kindly request that you take immediate action to rectify this situation. I expect Experian to conduct a comprehensive investigation into my dispute, ensuring that all necessary steps are taken to verify the accuracy of the disputed item ( s ). Additionally, I urge you to provide me with a detailed report of the investigation 's findings and any actions taken as a result.

Please be aware that a failure to address this matter appropriately will leave me no choice but to pursue all available legal remedies to protect my rights under the FCRA. I trust that Experian will take this matter seriously
and act promptly to rectify the situation.

I look forward to a prompt and satisfactory resolution to this dispute. You may contact me at the provided phone number or email address should you require any additional information or clarification. 
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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it incorrect and does not reflect my true credit history.

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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
( SEE ATTACHED DOCUMENT ) LVNV FUNDING LLC attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX XXXXXXXX attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
My information was compromised and fraudulent accounts established. I have no knowledge of the accounts. I have disputed the accounts on several occasions with the three Major Credit Bureaus. I was never provided details of investigation process or procedures, accounts came back verified. Below are the accounts : XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX : {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/XXXX {$840.00} Open balance XXXXXXXX XXXX XXXXXXXX Original creditor These inaccurate information remain on my credit and is irreparable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
My information was compromised and fraudulent accounts established. I have no knowledge of the accounts. I have disputed the accounts on several occasions with the three Major Credit Bureaus. I was never provided details of investigation process or procedures, accounts came back verified. Below are the accounts : XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX : {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/XXXX {$840.00} Open balance XXXX XXXX XXXXXXXX Original creditor These inaccurate information remain on my credit and is irreparable.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was charged by Citi XXXX {$590.00} annual membership fee for my XXXX Citi XXXX, plus an additional {$170.00} for an authorized user on my XX/XX/year> statement. For the record, I had not used this card for sometime since XXXX of XXXX, so the only balance on the card was due for membership fee. Unfortunately, I was out of the country and I was late on my payment for a couple of months, and Citi reported me as 30 days late to credit bureau before closing my account. 

When I contacted Citi 's Customer service and then spoke to a supervisor to dispute the charges, I was told that unless I paid the full balance, they would report me as 60 days late. To protect my credit, I reluctantly paid the full {$790.00}, which included the membership fees, and interest. Despite this, I was informed that my card would remain closed and my membership card privilege is no longer active. 

Essentially, Citi charged me {$770.00} ( $ XXXX {$170.00} ) plus interest in membership fees then closed my card without reinstating it, even after I paid in full. I made no purchases on this card, and I find extremely frustrating. I requested that Citi XXXX supervisor to reinstate my account since I had settled the balance, but she declined.

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 2025-01-30 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: FL

Complaint narrative:
Disputing collection accounts on my credit report from XXXX did dispute a year ago received notification it is mine asked for roof of investigation namely what was done to investigate and also what process was used. I received no follow up response the items still remain on my bureau and they are affecting me and my score They are also reporting me as deceased when I am not I have been fighting with them to get that removed and updated as well as my personal bio

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