vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 had no part in opening these accounts and was unaware of them. Remove them within 15 days as allowed by USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I LOOKED AT MY REPORT AND SEEN SOME LOANS THAT I WAS NOT FAMILIAR WITH FILED MY COMPLAINT WITH THE COMPANIES AND I AM WAITING FOR REMOVAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TransUnion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had this Credit card its for Kohls and Capital One took it over changed the payment due date and I have another card with them so they know that I cant make the payment on the XXXX of month I get paid the XXXX. Theyve been charging me {$40.00} late fees every month since they took it over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I checked my credit report yesterday and it shows that Midland Credit Management is reporting a collection account in the amount of {$1600.00}. Ive never seen this account reported on my credit profile when Ive checked my report before during last week and any times before then. 

Midland has not notified me about this account and what they have done by not notifying me but reported the account on my credit report is debt parking. They did not notify me which made me not aware of this account and did not give me the right to dispute. 

Midland Credit Management is in violation of the Fair Debt Credit Practices Act, The Fair Credit Reporting Act and the Federal Trade commission with debt parking. 

The FTC has taken legal action against companies engaging in debt parking, emphasizing that it violates consumer protection laws. The FDCPA requires debt collectors to notify consumers about a debt before reporting it to credit agencies. The FCRA requires accurate reporting of credit information and allows consumers to dispute false entries. 

Cease all reporting and collection efforts as you are in violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
These accounts were not authorized by me and may be linked to fraudulent activity. I respectfully request their elimination from my credit history and a complete review. Supporting paperwork is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: CO

Complaint narrative:
On XX/XX/year> I received a voicemail message from XXXX XXXX at XXXX XXXX XXXX wanting me to call her as soon as possible because she had a file in her office regarding a judgement and wage garnishment. Upon returning her call that same day, XXXX informed me that I applied for an online loan via World Finance and I owed over {$4000.00}. I told her that I didn't know what she was talking about as I've never applied for an online loan. I also informed her that I was a victim of identity theft and had filed a police report in XX/XX/year>. She said the loan had my name, DOB, SSN and my banking institution was XXXX  and unless I could prove someone else took out the loan using my information my salary would be garnished. I informed her that I do not bank at XXXX. She said, " oh '' and proceeded to tell me that she could try to negotiate how much I could pay. I asked her for documentation and she could only provide me with an account and reference numbers from her office. Out of fear and embarrassment, I said, " I'll pay {$500.00}. '' She said that wouldn't be accepted, so I mentioned I could pay {$1500.00}. She put me on hold and came back on the phone and indicated " they '' would not take less than {$2200.00}. Ultimately, the balance I paid was {$2200.00} via my XXXX XXXX. A day or so later, I received documents indicating the debt was paid only after I had called asking for a receipt. After doing some research and thinking about paying a debt I did not owe, I called XXXX XXXX and disputed the charges on XX/XX/year>. On XX/XX/year>, I received an angry voicemail from XXXX indicating I needed to caller her as soon as possible because I had done a charge back and that I had broken the law and that wasn't how the law worked. She indicated her office was going forward with my judgement, garnishment and attorney fees and she hung up. I've left XXXX voicemail messages for her to call me back and she has not returned my calls. In addition, she has called me twice and hangs up before I can answer. This is the second time this company has done this to me. I paid them {$2500.00} back in XX/XX/year> for another so called online loan. I've indicated to this company on XXXX occasions that my identity was stolen and not once have I been asked to provide documentation or been given the opportunity to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX {$130.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need my correct information to be reported to my background I have inconsistencys with my information my correct Current Phone number is XXXX and my correct current email is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had unauthorized charges on my debit card for ATM withdrawal that were purchases on the account that were unauthorized! I contacted chime, letting him know that I did not make those purchases that I did not have my card or id and a lot of my cards and other info was stolen. My phone had been hacked-my phone data leak. I sent that to them as well. I sent them the police report. I also sent them where from the XXXX XXXXXXXX XXXX XXXX  and the XXXX XXXX that it was charges on there from XXXXXXXX XXXX XXXX that Im not even allowed in because Im signed out of XXXX XXXX and I have been since 2014 and they still denied my claim it was over {$2000.00} that was taken from me and I asked chime there was so many charges back to back to back to back. How did they not come up as a red flag? I sent them the information they still didnt have my claim. I also asked them to close my account because I did not trust anything because it was other charges as well Ive had nothing but issues with chime they have wrongfully took money from me fees, and I would just like my money and I want the account close cause I can not trust them at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit management company has called multiple times and multiple times before XXXX XXXX. They call at least XXXX or more times a day. I finally answered the phone and told them this is considered harassment and I will be reporting them I have not heard a phone call since

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am deeply concerned to find an address I have never lived at included in my credit report. This misinformation is affecting my well-being and causing unnecessary stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : FDCPA Complaint Against Midland Credit Management , Inc. 
Dear CFPB Representative, I am writing to file a formal complaint against Midland Credit Management , Inc. ( MCM ) for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). MCM is attempting to collect on two charged-off accounts originally issued by XXXX XXXX XXXX XXXX XXXX, affiliated with the XXXX XXXX XXXX XXXX 
On multiple occasions, MCM has engaged in misleading and coercive tactics to pressure me into making payments, including : 1. Sending false legal notices threatening litigation if I did not pay within a specific timeframe.

2. Failing to validate the debt in accordance with 15 U.S.C. 1692g, despite my right to request written validation.

3. Offering a payment discount verbally, then refusing to provide any written confirmation or breakdown of the arrangement, even after repeated requests.

4. Misrepresenting payment dates and terms and refusing to align them with what was originally discussed. 
XXXX. On XX/XX/year>, I explicitly requested that all communications regarding payment arrangements be sent by letter. MCM claimed they mailed the arrangement ; however, I only received generic account statementsnot a copy of the agreed payment plan or discount. 
This conduct has caused me stress and confusion, and I believe it violates multiple provisions of the FDCPA, including, but not limited to : 15 U.S.C. 1692e ( false or misleading representations ) 15 U.S.C. 1692g ( failure to validate debts ) 15 U.S.C. 1692d ( harassment and abuse ) I am requesting that the CFPB investigate this matter and take appropriate enforcement action against Midland Credit Management. I also request that MCM be compelled to : Provide proper debt validation, Issue a written payment arrangement that reflects the original discount offered, and Cease all coercive communication practices that violate federal law. 
Address for Debt Collection Agency Midland Credit Management XXXXXXXX XXXX  XXXX XXXX XXXX, California XXXX XXXX NMLS ID : XXXX Please contact me if you need further documentation or clarification. I am prepared to provide phone records, letters, or statements in support of this complaint. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-07-21 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: PA

Complaint narrative:
I recently revised my report and noticed some fraudulent inquiries, they are hurting my ability to obtain credit, please remove these inquiries from my report. Attached are my ID theft report listing these fraudulent inquiries as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy, as required by law. These errors are causing significant and ongoing harm to my financial stability and peace of mind.

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