vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXXXXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Midland Credit Management / Midland Funding LLC Dear CFPB, I am filing a complaint against Midland Credit Management / Midland Funding LLC regarding their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ) and consumer protection laws.

Details of the Complaint : Debt collector : Midland Credit Management / Midland Funding LLC Date ( s ) of contact- multiple dates constant harassment Method of contact : Phone calls, letters, credit reporting, Issues : Attempting to collect a debt I do not owe or do not recognize. 
Failure to provide proper debt validation after my written request. 
Harassing and repeated calls. 
Reporting inaccurate or unverified information to the credit bureaus.

Continuing collection activity despite being disputed.

Description : Midland Credit Management has contacted me multiple times regarding a debt I do not recognize. Despite my request for debt validation on [ date ], they have not provided sufficient verification. Instead, they continue to pursue collection through [ phone calls/letters/credit reporting ].

Their actions are harassing, damaging to my credit profile, and in violation of my rights under the FDCPA.

Resolution Requested : I request that Midland Credit Management immediately cease all collection activities unless they can provide proper validation of the debt. 
Any inaccurate information reported to the credit bureaus should be corrected or removed. 
I request CFPBs investigation into their collection practices. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
This letter is a formal notice regarding the inaccurate and unauthorized reporting of a collection account by XXXX XXXX XXXX on my TransUnion and Experian consumer report. 



I did not authorize, permit, or provide consent for TransUnion or Experian to furnish, share, or report this alleged account. Under 15 U.S. Code 1681a, a consumer report may only contain information furnished for lawful purposes. Furthermore, 15 U.S. Code 1681b clearly limits the permissible purposes under which a consumer reporting agency may furnish such information. Reporting this account without my authorization is not a permissible purpose and therefore constitutes a violation of federal law.

Additionally, under 15 U.S. Code 1681i, TransUnion and Experian is required to conduct a reasonable reinvestigation of any disputed item and delete any information found to be inaccurate or unverifiable within 30 days of receipt of this dispute.

If TransUnion or Experian fails to remove this inaccurate collection within the required timeframe, it will be considered willful noncompliance under 15 U.S. Code 1681n, subjecting TransUnion to statutory damages, punitive damages, and attorneys fees. Even negligent noncompliance, under 15 U.S. Code 1681o, entitles me to actual damages, costs, and attorneys fees.

Failure to comply within 30 days will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and, if necessary, the initiation of civil action against TransUnion and Experian for damages as provided under the Fair Credit Reporting Act.

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 2025-08-26 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: AR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-26 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the account listed below and correct or remove any inaccuracies. 
Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance Reported : {$1100.00} This account is reporting late payment history that is inaccurate and misleading. 
My records confirm payments were made on time. 
In addition, the reported balance and payment history contain discrepancies that do not align with my actual account records. 
These errors are causing unjustified harm to my credit profile. 
I request that TransUnion perform a thorough reinvestigation of this account, verify all information with the original creditor, and promptly remove or correct any inaccurate or unverifiable data. Please provide me with the results of your investigation in writing, along with an updated copy of my credit report once corrections are made.

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 2025-08-26 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number XXXX XXXX, Account Name : XXXX XXXX, Account XXXX : XXXX, Account Name : XXXX, Account Number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$11000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$650.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$260.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-26 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: CA

Complaint narrative:
I respectfully sent a certified letter requesting that my personal information be updated, including the correction of several inaccuracies. However, my request was ignored, as I never received any response, letter, or notification from the company. I am requesting that these issues be addressed to ensure my credit file is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I am disputing inaccurate information that is currently appearing on my credit file. One of the accounts being reported is an XXXX XXXX account ending in XXXX with a balance of {$2100.00}. This reporting is inaccurate, and under FCRA XXXX ( a ) XXXX XXXX. XXXX ( a ), I have the right to dispute incomplete or incorrect information and you are required to conduct a reasonable reinvestigation. This account should be corrected or deleted. 
Another XXXX XXXX account ending in XXXX is listed as a charge-off with a balance of {$8000.00}. A true charge-off requires supporting documentation, including issuance of an IRS Form 1099-C. Since no such form exists, the reporting of this account is misleading and incomplete and therefore must be removed from my file. 
Additionally, there is an XXXX XXXX collection account ending in XXXX with a balance of {$370.00}, as well as a collection reported by Collection Management for an alleged medical debt with XXXX XXXX XXXX showing a balance of {$2000.00}. These accounts are not authorized by me and appear fraudulent. Under FCRA 605B 15 U.S.C. 1681c-2, consumers have the right to block information resulting from identity theft or accounts that are not theirs. Since these items were not authorized by me, I am demanding their deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 am disputing inaccurate information that is currently appearing on my credit file. One of the accounts being reported is an XXXX XXXX account ending in XXXX with a balance of {$2100.00}. This reporting is inaccurate, and under FCRA XXXX ( a ) XXXX XXXX. XXXX ( a ), I have the right to dispute incomplete or incorrect information and you are required to conduct a reasonable reinvestigation. This account should be corrected or deleted. 
Another XXXX XXXX account ending in XXXX is listed as a charge-off with a balance of {$8000.00}. A true charge-off requires supporting documentation, including issuance of an IRS Form 1099-C. Since no such form exists, the reporting of this account is misleading and incomplete and therefore must be removed from my file. 
Additionally, there is an XXXX XXXX collection account ending in XXXX with a balance of {$370.00}, as well as a collection reported by Collection Management for an alleged medical debt with XXXX XXXX XXXX showing a balance of {$2000.00}. These accounts are not authorized by me and appear fraudulent. Under FCRA 605B 15 U.S.C. 1681c-2, consumers have the right to block information resulting from identity theft or accounts that are not theirs. Since these items were not authorized by me, I am demanding their deletion.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

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 2025-08-26 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: FL

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-26 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:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-26 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: TX

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$130.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
My student loan originally started with XXXX XXXX. From XXXX XXXX, my student loans transferred to XXXX XXXX. From XXXX XXXX my student loans transferred to Navient. From Navient, my student loans transferred to XXXX. In XX/XX/year>, I applied for a consolidation loan. All my loans were with XXXX except loans I took out for my masters program, which was with XXXX and then transferred to Aidvantage. Under Navient, I had loans XXXX to XXXX, XXXX to XXXX. In my application for consolidation, I requested for loans XXXX balance {$1300.00}, XXXX balance {$1900.00}, XXXX balance {$1800.00}, XXXX balance {$2900.00} to not be included in my consolidation. The consolidation loan included what I did not want in the consolidation loan and paid Navient a payoff for loan XXXX in the amount of {$6600.00}, a payoff for loan XXXX in the amount of {$5600.00}, and a payoff for loan XXXX in the amount of {$5500.00} and loan XXXX disappeared. As you see, none of these payoff amounts they paid matches the principal balance I submitted in the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with non-monetary relief