vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received notification from my place of employment, XXXX XXXX XXXX XXXX that my checks will be garnished starting end of XX/XX/XXXX for over {$9000.00}. I never received service of being sued and did not have the opportunity to respond. I noticed an account in the collection status on my credit report on XX/XX/XXXX. On XX/XX/XXXX, I responded with a certified return receipt validation letter request. On XX/XX/XXXX, I received the notification from my job about the garnishment along with the summons that I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am XXXX they contacted my father and told him the amount of my debt and my birthdate it was midland credit management llc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Dear TSI Consumer Affairs, I am writing in response to your letter dated XX/XX/2025, regarding the above-referenced account. I dispute this alleged debt in its entirety and request full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, please provide : 1. A complete itemized statement of the alleged charges, including how each fee was calculated. 
2. A copy of the original signed contract or agreement with XXXX XXXX that establishes my responsibility for this account.

3. Documentation that TSI has the legal right to collect this alleged debt, including a copy of any assignment or transfer of the debt from XXXX. 
4. Verification that this debt is not time-barred under applicable statute of limitations.

5. Proof that this alleged debt has not been reported to any consumer reporting agencies. 

Until such validation is provided, you must cease all collection activity on this account, including phone calls, letters, and reporting to credit bureaus. 

Be advised that any failure to provide the requested documentation will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Indiana Attorney Generals Office for further review. 

Please note that I request all future communication from TSI to be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
I previously contacted the credit bureau because I am a victim of identity theft. There is a XXXX  XXXXXXXX XXXX XXXX account on my credit report. I dont have or have ever had a XXXX  XXXX XXXX  XXXX bureau says its a payment after a collection and another bureau says its a charge off. I didn't pay any settlement on this card because I never had one.

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 2025-08-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXXXXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt with LVNV Funding LLC. Please be advised that this is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I respectfully request that you provide validation of this alleged debt, including but not limited to : 1. The name and address of the original creditor.

2. The original account number.

3. The date the debt was allegedly incurred.

4. The amount of the alleged debt, including any interest, fees, or other charges.

5. Documentation bearing my signature showing I agreed to assume this debt.

6. Proof that your company is authorized to collect on this debt in my state. 

Until this information is provided, I request that all collection activity cease, including reporting this account to credit bureaus. If you have already reported it, please inform the credit reporting agencies that the account is disputed. 

I also request that all future communications be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Please assist me in removing unauthorized accounts that have appeared on my credit report. I did not open these accounts and was never made aware of them. Under USC 1681g, I am requesting their deletion within 15 days. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-19 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: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to Chase Bank on Saturday, XX/XX/XXXX, and spoke with private banker XXXX XXXX, with whom I presented proof of Power of Attorney ( I provided the original signed Power of Attorney documentation ), regarding my now incapacitated mother who I am working on obtaining XXXX for and requested Joint Account Access of my mother 's bank account. The private banker ( XXXX ) took my Power of Attorney documentation and made copies, then filed it into her system and began processing my request, stating that it would take XXXX business days for verification of my documentation. On XX/XX/XXXX XXXX XXXX called me and scheduled a meeting with me, set for XX/XX/XXXX, and informed me that my Power of Attorney screening was successfully completed and that my documentation was legitimized so we can now proceed with processing me as a joint account holder of my mother 's bank account. After our meeting on XX/XX/XXXX, XXXX informed me that my Joint account access request has been processed, and is now awaiting final approval from another department, which should take XXXX business days for completion. By XX/XX/XXXX I did not hear back from XXXX XXXX, nor anyone else at Chase Bank, regarding this final approval process ( at this point we have reached XXXX business days, without any status update ), so I decided to go into Chase Bank that day XX/XX/XXXX and request a status update in-person. I spoke with the Branch ManageXXXX ( XXXX XXXX ) regarding this issue, to which he responded that he would tell XXXX to reach out to the necessary party involved to find out why this process has become delayed. On XX/XX/XXXX, I did not hear back from anyone at Chase Bank, so I emailed both XXXX XXXX as well as XXXX XXXX, inquiring about the continued delay. I then called XXXX XXXX and left a voicemail regarding my concerns with this continued delay, to which neither the email nor the missed phone call was responded to by either of them. We are now going on XXXX business days of what was supposed to be a XXXX business day process, and no one at Chase Bank has provided specific feedback ( or any feedback ) as to why this process has not been completed and is still ongoing. There is no good explanation as to why my Power of Attorney Joint Account Access request is not being honored and has gone incomplete now at least XXXX business days past a reasonable amount of time, with no feedback, other than the reality that someone somewhere is not doing their job. If this issue persists, I will need to pursue legal action against Chase Bank for delaying acceptance of my Power of Attorney and putting my incapacitated mother 's medical proceedings in Jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NV

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-19 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: PA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment accounts on my credit report which isXXXX XXXX XXXX Opened XX/XX/XXXX Balance $ XXXX late XXXX Late Open- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C.

1681e ( b ) ]. I previously submitted a formal dispute regarding these inaccurate entries, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report.

Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that In XXXX CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
Complaint Against : Bridgecrest Acceptance Corporation ( and XXXX XXXX ) Summary of Complaint : I am disputing a repossession reported by Bridgecrest Acceptance Corporation because the underlying auto loan was based on a defective and unsafe vehicle sold to me by XXXX. 

Shortly after purchase, a licensed XXXX XXXX  inspected the vehicle and documented that the subframe was heavily rusted to the point of unsafe condition. This inspection ( attached ) proves the car was unfit for use and that the condition existed prior to my ownership. The repair estimate exceeded {$2100.00}. I have also included photographs showing the extent of the structural rust. 

Despite this, XXXX refused to take the vehicle back, and Bridgecrest later repossessed it when I stopped paying on an invalid contract. Bridgecrest is now reporting this repossession on my credit file, which is false, misleading, and a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

Requested Resolution : Immediate deletion of the repossession and all related derogatory reporting from my credit reports XXXX XXXXXXXX XXXX XXXX XXXX 

Written confirmation of correction. 


Supporting Evidence Attached : XXXX dealership inspection report ( XX/XX/year> ) stating subframe heavily rusted to the point of unsafe condition. 

Repair estimate exceeding {$2100.00}. 

Photographs of vehicle underside showing severe rust damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a XXXX XXXX  request block to Experian via online and via mail and never received any response and no items were blocked. This was supposed to be done in XXXX days per the law and it was not completed nor did they respond to me or request any additional information. The request was completely ignored. I have been attempting this for over a year now and was told theres miscommunication with my name, etc.. I did exactly what they told me to do and submitted at the correct way via XXXX methods and both methods came out with the same result Experian needs to immediately block the information I have sent to them via my XXXX XXXX request.

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 2025-08-19 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: OH

Complaint narrative:
I DID RECEIVED A COPY OF MY CREDIT REPORT AND I'M WRITING TO DISPUTES THE FOLLOWING THE INQUIRIES AS IT APPEARS TO BE INCORRECT OR INACCURATE AND I ASK THAT YOU DELETE THEM XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCE Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation