vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: CO

Complaint narrative:
Formal Statement of Dispute and Notice of Legal Intent To Whom It May Concern, I am writing to formally dispute and document an ongoing billing and credit reporting issue involving XXXX XXXX XXXX XXXX, Mountainland Collections, and XXXX XXXX XXXX concerning a medical bill for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My daughter was covered under XXXX at the time of service, and the account was paid in full by XXXX. I have obtained and retained an itemized bill and confirmation of payment showing the account was settled months before it was ever sent to collections. 
Despite this, on or around XX/XX/XXXXXXXX XXXX XXXX Mountainland Collections illegally sold or transferred this paid account to XXXX XXXX XXXX, resulting in a collection entry being reported to credit bureaus and a XXXX drop in my credit score. This reporting is false, defamatory, and unlawful. 
I have audio recordings of conversations with representatives from : XXXX XXXX XXXX XXXX, confirming the account was paid and they never authorized the account to be sent to collections ; XXXX XXXX XXXX, confirming that Mountainland should never have transferred or sold the account ; and Mountainland Collections, during which staff were rude and dismissive when confronted with proof of payment. 
This situation constitutes potential violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), specifically for : Attempting to collect a debt not owed ; Failing to verify the validity of the debt before collection ; Continuing collection efforts after being notified of payment ; Furnishing inaccurate information to credit bureaus ; and Damaging my credit through negligent or willful misreporting. 
Accordingly, I am demanding the following actions be taken immediately : Cease all collection activity related to this account ; Remove any negative or erroneous reporting from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX ; Provide written confirmation that this account has been closed and will not be sold or transferred again ; and Issue a written apology and correction to my credit record. 
If these actions are not taken promptly, I will pursue all available legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Utah Department of Commerce, Division of Consumer Protection ; Filing formal disputes with all credit reporting agencies ; and Engaging a consumer rights attorney to file a civil lawsuit for damages under the FDCPA and FCRA, including compensation for credit damage, emotional distress, and statutory penalties. 
All documentation including payment records, billing statements, and recorded conversations has been preserved as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am reopening this complaint due to Midland Credit Managements failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Midland continues to report an account allegedly purchased from XXXX XXXX, despite XXXX XXXX having deleted their tradeline after confirming it was fraudulent and unverifiable. 

Midlands provided validation only includes a statement from the seller, not a signed contract or proof of authorization from me, which does not satisfy FDCPA 809 ( b ).

They are also knowingly furnishing inaccurate data under FCRA 623 ( a ) ( 1 ) ( A ), and ignoring my identity theft documentation under FCRA 605B, which requires blocking unverifiable accounts after receipt of a fraud report. 

I have filed a police report, placed XXXX fraud alerts across all bureaus, and provided documentation confirming XXXX XXXX removed this account due to fraud. Despite this, Midland continues to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
Dear RSI Enterprises, I am writing in response to your letter/phone call/email, regarding the debt you claim I owe. This letter is a formal request for validation of the alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

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

The amount of the alleged debt, including an itemized breakdown of all fees, interest, and other charges.

A copy of the original agreement or contract that bears my signature, showing that I agreed to assume this debt.

Documentation that you are authorized to collect this debt and that your agency is licensed in my state, if applicable.

The date of the last payment made on this account.

Until the requested information is provided, please cease all collection activities, including phone calls, letters, and reporting to credit bureaus, as required by the FDCPA.

Be advised that I am keeping detailed records of all correspondence related to this matter for possible future use. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX system falsely placed a stop-payment order on my savings account ending in XXXX. I never authorized any stop payment, and Wells Fargo later confirmed there were sufficient funds and no request from me. 

This internal system error caused my scheduled {$660.00} payment to XXXX XXXX to be returned, leading to a {$30.00} return fee. Wells Fargo admitted the stop-payment was entered in error but refused to reimburse me, claiming it was not charged directly by us. 

Because the loss stemmed from the banks own transaction error, I am requesting reimbursement of the {$30.00} and removal of the false stop-payment record under Regulation XXXX and the Consumer Financial Protection Act. I have attached XXXX XXXX written admission of the error.

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 2025-11-07 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-11-07 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX XXXX XXXX  Account XXXX XXXXXXXX Reported XX/XX/XXXX Balance : {$0.00} This account is reporting as charged off even though the balance is XXXX. I do not believe this is accurate. Please verify the charge-off status and update or delete if unverified. 

XXXX Account XXXX XXXXXXXX Reported XX/XX/XXXX Balance : {$0.00} This account should no longer show as charged off. Please verify the current status and remove any negative remark if it has been paid, settled, or closed correctly. 

Inquiries The following inquiries appear to have been made in a short period and may not have been fully authorized or initiated by me. I request verification of authorization for each inquiry listed below. 
If any can not be verified, please delete them. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments The following accounts are showing late payments that I believe may not be accurately reported. Please verify the accuracy of all payment histories and remove any that are unverifiable or incorrectly reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Case Number XXXX Court XXXX XXXX XXXX XXXX XXXX  XXXX  - Small Claims Filed XX/XX/year> Status XX/XX/year>, XXXX  ( XXXX  ) Adding information to previous complaint XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection XXXX asking the cfpb to file an XXXX brief on the above situation

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 2025-11-07 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: WA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. I believe some of the listed items are inaccurate or incorrectly reported. Please review the following accounts for verification and removal if applicable : Inquiries : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I had a written XXXX-month settlement agreement with Portfolio Recovery Associates XXXX XXXX ) for my XXXX  XXXX XXXX  account XXXX in XXXX. The agreement required XXXX payments of {$86.00} each. I successfully completed XXXX payments on time. My XXXX  payment, due XX/XX/XXXX, failed to process due to a bank transition issue. 

On XX/XX/XXXX, I discovered the payment had been returned and immediately logged in to resolve it. Upon login, I found that my settlement agreement had been canceled and my balance had increased to {$310.00}. I contacted customer service through XXXX  online chat and offered to make both remaining payments immediately the returned XX/XX/XXXX payment and the final XX/XX/XXXX payment to complete the settlement in full. XXXX  refused and stated I needed to call them. 

I have previously sent multiple letters requesting that XXXX  communicate in writing only, which is a reasonable accommodation under the XXXX  with XXXX XXXX ( XXXX ). Requiring phone contact disregards that accommodation. XXXX  refusal to reinstate my nearly completed settlement within XXXX hours of a single failed payment is an unfair and unreasonable collection practice. Their system also generated identical payment confirmation numbers for multiple transactions, raising concerns about the accuracy of their internal records. XXXX  actions demonstrate bad faith and poor compliance with fair collection and accessibility standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am requesting a full debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). LVNV Funding is reporting a charged-off account originally from XXXX XXXX, but they have not provided any documentation proving ownership or the amount claimed. 

I am requesting that LVNV Funding provide : XXXX. A complete debt validation including a detailed accounting of the alleged balance ; XXXX. A copy of the Bill of Sale and Assignment ( XXXX XXXX ) between XXXX  XXXX. XXXX and LVNV Funding, or any intermediary debt buyer, showing transfer of ownership ; XXXX. The chain of title demonstrating how LVNV Funding obtained rights to collect this account ; XXXX. The original signed agreement or contract establishing my liability ; and XXXX. Proof that LVNV Funding is legally licensed and authorized to collect debts in my state. 

Until proper documentation is provided, I dispute the validity of this account and request its removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I m formally disputing the Capital One account listed under my name nd credit file. I have " no knowledge '' of this account, did not authorize its opening, and have never maintained any relationship with Capital One regarding this account. Under the Fair Credit Reporting Act ( 15 U.S.C. S1681 ( i ) an 609 ( e ), I am requesting to immediately initiate an investigation and provide all documents used to verify the accuracy of this account. If Capital One can not verify that I am responsible for it please remove from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-11-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Tuesday XX/XX/year>, I logged into my bank account and was made aware it was blocked. This was for my checkings, savings and access account. I contacted the bank and spoke to the fraud department to said this was routine and it happens to everyone. I have banked with Citi for several years and this never happened to me. I was advised to allow XXXX and my account would be unblocked. I was told by the representative that he does not see anything on my account and that it would be cleared. I waited the XXXX and checked in periodically but my account was not unblocked. 
On XX/XX/XXXX, I contacted the bank once again and spoke to the fraud department and was told that I needed to wait an additional XXXX hrs for the team to respond. I was told that there was no response from the XXXX department and that they could not provide additional information. 
I requested a supervisor who I advised that I am a single mother of XXXX children and I need money. I dont have money for food. Gas or my children. I cried. I let them know my son was having XXXX and I didnt have money to cover these costs : I was advised again that I needed to wait XXXX. 

After my sons XXXX I went into the branch located on XXXX XXXX in XXXX XXXX and I spoke to XXXX XXXX, XXXX representative and she spoke to the XXXX team who said they would escalate this and I would receive a call right away. XXXX stated that I would receive a call within minutes and to keep my phone nearby for a response. I was not allowed to withdraw money from my account to at least have money to feed my children. 
I did not receive a call or response. 
On XX/XX/XXXX, I contacted the bank again and provided them all this information again and was told I needed to continue to allow XXXX hrs. 
I have not received a reason although XXXX  asked during every interaction as to why my account is blocked or what I need to do to unblock it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Someone to tell me why my escrow statement stated my taxes was paid and wasn't. My statement in XXXX said they were paid. My escrow statement in XXXX said my taxes was paid. All of a sudden you saying my taxes were not paid an charging me for XXXX taxes in XXXX. Where is the escrow that billed up and XXXX XXXX XXXX sent ya 'll went transferring my loan. You charging me for the late fees. 
Please explain. Drop me a letter in the mail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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