vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I previously filed a CFPB complaint about a debt Midland Credit Management was collecting. In their response, they agreed to mark the account as Cease and Desist and stated they would no longer contact me unless required by law. Despite this, I received a Pre-Legal Notification letter from them dated XX/XX/year>. This letter was not a formal legal notice, but rather an attempt to intimidate and pressure me into paying a disputed debt, which appears to violate the FDCPA ( 15 U.S.C. 1692c ( c ) ).

Additionally, I requested proper validation of the debt, including a signed agreement, proof of ownership or assignment, and a breakdown of the charges. Midland has never provided this. Instead, they sent billing statements that do not meet FDCPA standards. 

I believe this is a continued violation of my rights, and that they are attempting to collect and possibly report a debt they have not legally validated, despite my formal requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I am a victim of identity theft. I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address to [ Experian/Equifax/TransUnion ] in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I specifically requested that fraudulent accounts be blocked and permanently removed. XXXX  XXXX Account # XXXX, XXXX XXXX Account number XXXX Despite receiving all legally required documentation, the credit bureau failed to comply with federal law and instead marked the accounts as " verified '' and continues reporting them on my credit file. This violates my rights under the Fair Credit Reporting Act. I am requesting that [ Experian/Equifax/TransUnion ] immediately block and delete all identity theft-related information as required by law, and send written confirmation along with corrected credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I am a victim of identity theft. I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address to [ Experian/Equifax/TransUnion ] in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I specifically requested that fraudulent accounts be blocked and permanently removed. XXXX  XXXX Account # XXXX, XXXX XXXX Account number XXXX Despite receiving all legally required documentation, the credit bureau failed to comply with federal law and instead marked the accounts as " verified '' and continues reporting them on my credit file. This violates my rights under the Fair Credit Reporting Act. I am requesting that [ Experian/Equifax/TransUnion ] immediately block and delete all identity theft-related information as required by law, and send written confirmation along with corrected credit reports.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally dispute the bankruptcy listed on my credit report, which I believe is either inaccurate or outdated. Please be advised that this request is made in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information reported on my credit file be accurate, complete, and verifiable. The bankruptcy in question is listed under the following details : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After reviewing my records and the information presented, I believe this bankruptcy entry is inaccurate or unverifiable for the following reasons : DATE OVERDUE FOR REMOVAL PER FDCPA AND FCRA respectfully request that the bankruptcy be removed from my credit report due to its inaccuracy or outdated nature. Please initiate a full investigation of this matter in compliance with 15 U.S.C. 1681i of the FCRA.

Additionally, I request that any supporting documentation verifying the legitimacy of this bankruptcy filing be sent to me. If no verification can be provided, I expect the item to be deleted promptly from my credit file. Please inform me of the results of your investigation at the address listed above.

I expect resolution of this dispute within the statutory 30-day period as required by the FCRA. Thank you for your attention to this matter, and I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
I mailed two certified disputes to TransUnion. The first was delivered on XX/XX/XXXX, with tracking number XXXX. I mailed a second follow-up dispute on XX/XX/XXXX, after receiving no mailed response or documentation. Both letters demanded full deletion of inaccurate and derogatory accounts with proof of reinvestigation as required under the Fair Credit Reporting Act ( FCRA 611, 15 U.S. Code 1681i ).

TransUnion never sent proper reinvestigation results by mail, as legally required. Instead, they either failed to respond or claimed to have verified the accounts without providing any documentation showing how or with whom they verified. This is a willful violation of the FCRA.

I disputed the following six accounts, which are damaging my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but still shows late payments from XXXX despite 92 % on-time payment history Most of these accounts are closed, settled, or have incomplete and unverifiable reporting, including missing statuses and inconsistent payment histories. TransUnion ignored my certified disputes and failed to remove these accounts or send mailed reinvestigation results. Im requesting immediate deletion of all six accounts and a formal written response from TransUnion as required by 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 2025-07-30 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: KY

Complaint narrative:
On XX/XX/year>, formal dispute letters were mailed via First-Class Mail to all three nationwide consumer reporting agencies : Experian, Equifax, and TransUnion. These disputes specifically addressed multiple accounts containing inaccurate, incomplete, or unverifiable information and highlighted incorrect Metro 2 formatting and reporting.

Accurate and complete reporting, as mandated by federal and state law, is essential. I urged the agencies to ensure factual, lawful claims and provide verifiable evidence for the existence and usage of the disputed accounts.

The disputes challenged the accuracy and validity of these accounts or tradelines under the Fair Credit Reporting Act ( FCRA ), demanding proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The agencies were further obligated under 1681i ( a ) ( 6 ) ( A ) to provide me with written results of their reinvestigations, and under 1681e ( b ) to ensure the maximum possible accuracy of the information being reported.

As of todays date, over 30 days have elapsed since the bureaus received the disputes. Only one collection account has been deleted. The remaining disputed accounts continue to appear on my credit reports, and I have received no written results of reinvestigation as required by federal law. This absence of a timely response and the continued reporting of disputed information constitutes non-compliance with FCRA obligations.

Unsupported derogatory remarks, including claims of delinquency, can not remain on my credit profile without documented, verifiable proof of their accuracy and permissible purpose. At this point, the bureaus are in violation of their statutory duties, and I am formally seeking the CFPBs assistance in enforcing compliance and holding these agencies accountable for their failure to follow lawful procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: KY

Complaint narrative:
On XX/XX/year>, formal dispute letters were mailed via First-Class Mail to all three nationwide consumer reporting agencies : Experian, Equifax, and TransUnion. These disputes specifically addressed multiple accounts containing inaccurate, incomplete, or unverifiable information and highlighted incorrect Metro 2 formatting and reporting.

Accurate and complete reporting, as mandated by federal and state law, is essential. I urged the agencies to ensure factual, lawful claims and provide verifiable evidence for the existence and usage of the disputed accounts.

The disputes challenged the accuracy and validity of these accounts or tradelines under the Fair Credit Reporting Act ( FCRA ), demanding proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The agencies were further obligated under 1681i ( a ) ( 6 ) ( A ) to provide me with written results of their reinvestigations, and under 1681e ( b ) to ensure the maximum possible accuracy of the information being reported.

As of todays date, over 30 days have elapsed since the bureaus received the disputes. Only one collection account has been deleted. The remaining disputed accounts continue to appear on my credit reports, and I have received no written results of reinvestigation as required by federal law. This absence of a timely response and the continued reporting of disputed information constitutes non-compliance with FCRA obligations.

Unsupported derogatory remarks, including claims of delinquency, can not remain on my credit profile without documented, verifiable proof of their accuracy and permissible purpose. At this point, the bureaus are in violation of their statutory duties, and I am formally seeking the CFPBs assistance in enforcing compliance and holding these agencies accountable for their failure to follow lawful procedures.

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 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am reporting identity abuse and unauthorized data reporting. My private information is being furnished to XXXX XXXX XXXX XXXX  without my written consent. By Jefferson Capital LLC, for the total amount of {$1800.00}. These furnishers/debt collectors are reporting charge-offs, balances, and payment historiesclassified as transactions and experiencewhich are excluded from consumer reports under 15 USC 1681a ( 2 ). Per 15 USC 1681b, no CRA may report data without my prior written consent, which has never been given. This constitutes identity theft under 12 CFR 1022.3, as my identifying information is used without authority. Ive filed an FTC Identity Theft Report and am invoking 15 USC 1681c-2, which requires these accounts be blocked within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AZ

Complaint narrative:
I have also noticed a recent drop in my credit score, despite paying off all of my loans. As of now, I only have one active credit card, and I maintain a good payment history. I request a thorough review of my credit report for any errors or negative reporting associated with the loan accounts I have paid off. If any incorrect or outdated information exists, I request that it be corrected or removed.

Please investigate both matters and provide written confirmation once the updates have been made. I have included a copy of my ID and supporting documentation to assist with your investigation.

Thank you for your time and attention to these important matters.

It has come to my attention that my background check report reflects a misdemeanor charge. This is inaccurate. The charge was dismissed and should not appear as a conviction on any report. It was a matter of self-defense, and I was informed that all charges were dropped. Please find enclosed documentation from the court verifying this dismissal. I request that this information be promptly removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-30 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: AZ

Complaint narrative:
I have also noticed a recent drop in my credit score, despite paying off all of my loans. As of now, I only have one active credit card, and I maintain a good payment history. I request a thorough review of my credit report for any errors or negative reporting associated with the loan accounts I have paid off. If any incorrect or outdated information exists, I request that it be corrected or removed. 

Please investigate both matters and provide written confirmation once the updates have been made. I have included a copy of my ID and supporting documentation to assist with your investigation. 

Thank you for your time and attention to these important matters. 
It has come to my attention that my background check report reflects a misdemeanor charge. This is inaccurate. The charge was dismissed and should not appear as a conviction on any report. It was a matter of self-defense, and I was informed that all charges were dropped. Please find enclosed documentation from the court verifying this dismissal. I request that this information be promptly removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IA

Complaint narrative:
I checked my recent credit report and noticed multiple inaccurate account that do not belong to me.

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 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
They don't give me access online they say my phone number is ineligible Please I need online banking access and my {$33.00} fee back please

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: WA

Complaint narrative:
Subject : 90-Day Late Payment Reported Despite No Notification of Forbearance Ending I am disputing a 90-day late payment that was reported on my federal student loan account after it was transferred to XXXX. I was never properly notified of this transfer, nor was I informed that payments were due. On XX/XX/XXXX, I received an official email from XXXX confirming that my account was in administrative forbearance, with no end date provided in that notice. I was never notified that this forbearance had ended or that payments would be due shortly thereafter. 
Additionally, when I later became aware that something might be wrong, I attempted to log in to my XXXX account to resolve the issue but the website was inaccessible at the time. I made multiple attempts to check my status and submit payment, but could not access the necessary systems. 

I later contacted XXXX to dispute the 90-day late mark and requested that it be removed, considering the circumstances : 1. I was told I was in forbearance 2. I was never informed it ended 3. I never received notice of the loan transfer or payment due 4. I attempted to log in and act in good faith XXXX responded that I had no proof the website was down and stated that they do not offer goodwill adjustments under any circumstances. Despite this, I brought my account current immediately once I learned of the situation. 

I have always maintained good credit and a clean payment history. This derogatory mark is not the result of negligence, but of poor servicer communication, lack of notice, and system access failures all of which are beyond my control. 
This 90-day late caused a XXXX drop in my credit score. I am respectfully asking that the Consumer Financial Protection Bureau assist in having this mark removed or suppressed, due to improper notice, lack of clarity around forbearance status, and good faith effort on my part to resolve the matter once I became aware. 

I am able to provide a copy of the XX/XX/XXXX forbearance email upon request. 

I want to be clear : I have no problem accepting responsibility when Ive made a mistake. But in this case, I was never properly informed, misled by a forbearance notice with no end date, and blocked from accessing my account when I attempted to act in good faith. Reporting this as a 90-day delinquency is not just inaccurate it is, in my view, deeply unfair and unethical. I am respectfully asking that the Consumer Financial Protection Bureau assist in having this mark removed or suppressed due to the unique and preventable circumstances that led to it. I

Company response to consumer: Closed with non-monetary relief