vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Midland Credit Management, XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Dispute of Alleged Debt Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) To Whom It May Concern, I am formally disputing the validity of the alleged debt that your company has reported under my name. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the accuracy of this account. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 3 ), you are required to report the disputed status of this debt to all consumer reporting agencies ( CRAs ) to which you have provided information.

Request for Validation and Investigation : 1. Provide verification of the original creditor and any contractual obligation that legally binds me to this alleged debt. 

2. Supply all relevant account documentation, including signed agreements, payment history, and itemized statements.

3. Confirm whether this account has been sold, transferred, or assigned, and provide proof of your authority to collect.

If you fail to verify the legitimacy of this alleged debt, you must immediately remove any negative reporting associated with it from all consumer credit bureaus. Furthermore, if you fail to mark this account as disputed while it remains under investigation, you will be in direct violation of federal law, subject to penalties and legal action. 



I request that you respond to this dispute in writing within 30 days of receiving this letter, as mandated by the FCRA. If you fail to comply, I will not hesitate to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 



Please send all correspondence to the address listed above. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
Unauthorized or unverifiable inquiries are reporting on my credit file. I disputed with all three credit bureaus, but they failed to provide proof of permissible purpose or remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK
State: IN

Complaint narrative:
XXXX, XXXX, & XXXX filed a lawsuit against me on XX/XX/XXXX. I got served on XX/XX/XXXX. I called them on XX/XX/XXXX at XXXX pm XXXX and talked to XXXX. She advised me that the call was being recorded and we continued. We worked out a settlement repayment plan for {$500.00} down on XX/XX/XXXX and {$150.00} per month for 13 months, due by the XXXX of the month. The XXXX month would be {$58.00}, for a total repayment of {$2500.00}. I asked her for a written contract to be sent to me so I could review it, sign it, and set up the initial payment. She said that they do not work that way and that a payment needs to be made BEFORE any contract would be sent out. She also said that I should trust them and that there is no need to respond to the lawsuit because they will handle everything. I set up the payment for {$500.00} to be taken on XX/XX/XXXX by giving bank account and routing numbers. She repeated the terms on the phone, but had mistakenly said the payment was for XX/XX/XXXX and went back and deleted a portion of the conversation. I do no not know what portion or how much was deleted. She then restated the terms with the correct XX/XX/XXXX date for the {$500.00} payment. The payment of {$500.00} was taken out of my account on XX/XX/XXXX as scheduled, HOWEVER, as of today, XX/XX/XXXX, I still have not seen a written contract. I have since answered the lawsuit with these very concerns because taking a payment before a written contract is reviewed and signed by the consumer is a violation of the FDCPA for deceptive, misleading, and predatory debt collection practices. I answered the lawsuit because had I not, they would have used the ethically ill-gotten bank account information to file for a default judgement against me even though a verbal agreement was made on a recorded line, AND a payment was made before a written contract was given for review and signature. I am demanding {$1000.00} in statutory damages per the FDCPA for deceptive, misleading, and predatory debt collection practices by not providing a written contract before demanding and accepting a payment, and saying that I should not answer the lawsuit. I am also demanding {$500.00} in actual damages per the FDCPA for demanding and accepting the payment on a debt without providing a written contract outlining the exact terms before accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I am writing to formally report a data breach that has resulted in unauthorized access to my personal information and credit file. My information was compromised during a data breach involving [ Name of the Company or Organization that experienced the breach ] on [ Date of the Breach ]. As a result, I request your assistance in addressing this matter, as my credit file has been adversely affected. 

The accounts impacted by this breach include : 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 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 and the following inquiry items with trans union 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/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ), I have the right to dispute any information in my credit report that I believe is inaccurate. The accounts listed above are a result of unauthorized access to my personal information and are, therefore, inaccurate.

Additionally, pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), I am entitled to have my credit file updated to reflect the accurate information, and under 15 USC 1681i ( a ) ( 5 ) ( B ), I have the right to request that these inaccurate entries be removed from my credit report. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that the affected accounts are deleted from my consumer file. I am also seeking guidance on any additional steps I should undertake to safeguard my identity and credit status. 

Enclosed are the relevant documents pertaining to the data breach and its impact on my credit file. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXXXXXX 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 2025-02-12 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: MO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am on the SAVE plan and on Friday, XX/XX/XXXX XXXX XXXX XXXX got an email from Aidvantage that my loans have been placed into a forbearance. It stated that " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' On XX/XX/XXXX I received an email from the US Department of Education that also stated that " Under this general forbearance, you do not have to make your monthly payments on your student loans, interest is not accruing However, when I log into my Federal Student Aid website and also my Aidvantage website, it says that I have an unpaid Interest of {$570.00} This interest just showed up recently and I am frustrated because I was told from both Aidvantage and the XXXX Department of Education that there would be no interest accruing while on Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I received a letter from the Bank of America dated XX/XX/XXXX, stating that 1 ) " Email alerts we've sent you were returned as undeliverable '' and 2 ) " Thank you for choosing paperless delivery. '' First, the Bank did not identify which of my credit card accounts, I have two with the Bank, it was referencing. Second, my email account has no other problems receiving emails. I consider the Bank 's claim to be a fraudulent excuse for changing my accounts to paperless. Third, I never requested paperless delivery, not from this Bank, nor from any other online accounts I have with any entity. Moreover, I have not done business on either of my online accounts with the Bank since last summer. I consider the Bank 's unilateral change from paper after several months of no activity online to paperless to be an act ( s ) of fraud. The Bank criminally attempts to save the costs of postage, paper, etc., by illegally changing customers ' preference from paper.

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 2025-02-12 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: MN

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
I ordered a teeth alignment service from XXXX XXXX XXXX, but before my treatment was finalized, the company went bankrupt, and I never received the product. Despite this, their financing company, Healthcare Finance, has continued to bill me. 

I have reached out multiple timesboth through messages and phone callsproviding clear documentation from XXXX XXXX XXXX confirming that I did not receive the service. However, Healthcare Finance has ignored my dispute and proceeded to file my account with XXXX XXXX 

I have since submitted a dispute with XXXX XXXX including the same documentation from XXXX XXXX XXXX, but they have also failed to acknowledge my claim. 

I refuse to pay for a service I never received, and I expect this matter to be resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 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 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  has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-02-12 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: LA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
am writing to bring to your attention a potential violation of the permissive purpose provisions under the Fair Credit Reporting Act ( FCRA ), specifically concerning the dissemination of information obtained from the U.S. Bankruptcy Court.

As per the U.S. Bankruptcy Court guidelines, court records related to bankruptcy proceedings are not made available for public distribution or sharing with third-party credit agencies. The U.S. Bankruptcy Court does not directly furnish any bankruptcy records or information to third-party credit reporting agencies such as Lexis Nexis. 

It has come to my attention that Lexis Nexis have obtained and processed information from the U.S. Bankruptcy Court related to my personal bankruptcy records without a clear and proper permissive purpose, as outlined under the FCRA. This is a matter of concern as I believe that Lexis Nexis didn't have had the legal standing or valid purpose required to obtain or distribute this sensitive information.

Company response to consumer: Closed with non-monetary relief