vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management for potential violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the Complaint : Failure to Provide a Timely Debt Validation Notice : I received the first phone call from Midland Credit Management regarding an alleged debt on XX/XX/year>. 
However, I did not receive a written debt validation notice until XX/XX/year>, which is 16 days after their initial communication. According to XXXX U.S.C. 1692g ( a ), the FDCPA requires a debt collector to provide a written notice of the alleged debt within five days of their initial contact. 
Refusal to XXXX XXXX XXXX XXXX : When I attempted to send a debt validation letter and notice of dispute, Midland Credit Management refused to provide an email address or any other electronic method to communicate with them. 
This refusal creates unnecessary barriers to disputing the alleged debt and validating its legitimacy, potentially infringing on my rights under the FDCPA. 
Request for Collection Efforts to Cease : Given these violations and my ongoing dispute of this alleged debt, I am requesting that Midland Credit Management cease all attempts to collect this debt from me immediately, as allowed under 15 U.S.C. 1692c ( c ). 
How This Affects Me : These practices have caused significant frustration and distress. Their failure to provide a timely validation notice has delayed my ability to address this matter properly, and their refusal to accept electronic communication has created unnecessary obstacles. 
Requested Resolution : I request that the CFPB investigate Midland Credit Management 's actions and : Ensure that they comply with the FDCPA by providing timely debt validation notices in the future. 
Require them to accept electronic communication methods for disputes and validation requests to ensure accessibility. 
XXXX them to cease all collection attempts regarding this alleged debt. 
Take appropriate enforcement actions if violations are confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report on Equifax and noticed that several late payments have been inaccurately posted. These late payments are listed under the following accounts : [ XXXX XXXX ] Account XXXX : [ XXXX ] This company is in clear violation of federal law. Under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports, the law explicitly states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I provide written instructions authorizing you to furnish these late payment entries on my credit report? No such authorization was given. Furthermore, the Fair Credit Reporting Act under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), which defines exclusions from a consumer report, clearly states : ( 2 ) EXCLUSIONS. The term " consumer report '' does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, these late payments should not appear on my credit report as they violate the FCRAs permissible purpose and exclusion clauses. As a result, your agency is in violation of federal law, specifically 15 U.S.C. 1681b and 15 U.S.C. 1681a
( d ) ( 2 ) ( A ). 
I am formally requesting the immediate deletion of the above-mentioned late payment entries from my credit report. Failure to comply with the FCRA and correct these inaccuracies within the legally mandated time frame will leave me no choice but to pursue further legal action, including seeking damages under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), both of which can result in financial penalties, punitive damages, and liability for legal fees. 
Please respond within 30 days to confirm the deletion of these late payments, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of XXXX, XXXX XXXX and I concluded our auto loan agreement, I sent emails and placed several calls from XX/XX/XXXX til XXXX of XXXX asking that be removed from all 3 Credit reporting agencies since the loan is closed and no issues occurred. The various representatives assured me that the information upon closure of the account in good standing would be removed from all credit reporting agencies within XXXX days of closure providing there are no outstanding issues with the loan agreement. To date, XXXX XXXX, has blatantly refused to remove the information from the credit reporting agencies, XXXX, Transunion, and XXXX. I filed several disputes with all three agencies and they refuse to remove this information. This eggregious act has and continues to cause financial harm to my family and I as I seek out additional credit opportunities and Im being denied due this company and the Transunion, XXXX, and XXXX refusal to remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX I got an alert from my credit reporting agency that my credit usage went up from 3 % to 72 %. I had recently gotten an auto loan from Wells Fargo in XXXX and made my first payment on XX/XX/25. Day later I get this alert which brings my XXXX XXXX down for XXXX to XXXX instantly. The total amount of the loan brought my total debt from {$430.00} to {$35000.00}. The auto loan amount is being reported like a line of credit as if it was a credit card, but my loan with Wells Fargo should be reporting like an auto loan instead. This will make it to where my credit usage will always be high if this is not corrected.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> To Whom It May Concern, I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices in handling my disputes. Despite submitting all required documentation to validate my identity theft claims, TransUnion has failed to block fraudulent accounts, reinserted previously removed accounts, and refused to correct personal information, causing me significant harm. 
Specific Issues : XXXX. Failure to Block Fraudulent Accounts : * TransUnion has refused to block fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX despite receiving an FTC Identity Theft Report, police report, and proof of identity. 
XXXX. Re-insertion of Previously Deleted Accounts : * Accounts like XXXX XXXX XXXX were removed but later re-added without proper certification or notice, violating FCRA 611 ( a ) ( 5 ) ( B ).

3. Failure to Correct Personal Information : * Outdated phone numbers and addresses remain on my report, despite multiple requests for correction.

4. Deceptive Verification Practices : * TransUnion continues to claim accounts are verified without providing documentation, violating FCRA 609 ( a ) ( 1 ) ( A ). 
Impact : * F

inancial Harm : Denied credit opportunities and financial loss due to inaccurate reporting. * Emotional Distress : Prolonged stress caused by the mishandling of my disputes.

Requested Resolution : 1. Immediate and Permanent Removal : * Block fraudulent accounts, inquiries, and outdated personal information.

2. Compliance with FCRA : * Prevent the re-insertion of removed accounts without proper certification.

3. Monetary Compensation : * I am requesting {$25000.00} for financial harm, reputational damage, and emotional distress caused by TransUnions non-compliance and deceptive practices. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Proof of Identity * Correspondence with TransUnion * Highlighted Credit Reports Thank you for addressing this matter promptly. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Despite my sending a copy of my Texas Driver 's license, latest utility bill, and social security card in my dispute to Transunion to verify that it is from me, I received the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This is not the first communication that I have made to them. A simple check in my account should reveal that I have been active of late to correct items that I believe to be reporting incorrectly on my credit report. It is unreasonable in my opinion with these facts and the items I included in my dispute letter that it would be coming from a third party. I have responded to them, but I am very concerned with the statement that they are not processing my request. As I understand from XXXX U.S. Code 1681i ( a ) ( 1 ) ( A ), " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' A simple reading of this does not give them any recourse other than to investigate even if the letter came from a " reseller '', which as I stated, it did not.

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 2025-01-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I have a filed a complaint against the Erly Warning system who reporting inaccurate information on the report they have created for me. See attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MRS BPO, LLC
State: AR

Complaint narrative:
I am outraged and deeply disappointed by the unlawful and unethical actions of MRS BPO LLC. They are blatantly violating federal law and the arbitration agreement tied to this account, causing unnecessary stress and harm to my financial wellbeing. The agreement explicitly requires all disputes to be resolved through arbitration, yet MRS BPO LLC has disregarded this and pursued collection activities outside of the agreed process.

This is a clear breach of the contract and a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, misleading, and unfair practices. Their reckless actions demonstrate a complete disregard for the law and the rights of consumers like me who trust that agreements will be upheld.

Their refusal to comply with the arbitration clause has resulted in a fraudulent collection account being reported to the credit bureaus, damaging my credit score and causing significant emotional and financial distress. I feel powerless in the face of a company that refuses to follow the rules and actively harms consumers without consequence. 

I am angry and frustrated by their disregard for legal agreements and consumer protection laws. I am turning to the CFPB because it seems no one else is holding these companies accountable for their abusive and illegal practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I am submitting this complaint against Midland Credit Management XXXX XXXX regarding their handling of a debt collection lawsuit filed against me, case number XXXX XXXX, in the Special Civil Part, XXXX XXXX XXXX New Jersey XXXX The case, initiated on XX/XX/XXXX, resulted in a default judgment entered by the clerk on XX/XX/XXXX, with an initial demand amount of {$950.00}. I believe Midland Credit Management has engaged in unfair and potentially predatory debt collection practices, and I am requesting the CFPB to investigate their actions. 

Despite my efforts to address this matter, I was unable to properly respond to the lawsuit due to inadequate notice and unclear communication regarding critical case deadlines. Throughout the proceedings, I submitted multiple letters and objections to the court, including correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also filed objections to the wage garnishment initiated by Midland Credit Management. However, the plaintiff proceeded to request a writ of execution against my wages, which was issued on XX/XX/XXXX. I believe the wage garnishment process was unfairly pursued without consideration of my financial circumstances or a meaningful effort to resolve the matter outside of court. 

I also filed a Motion to Vacate Default XXXX on XX/XX/XXXX, which is currently pending and scheduled for a decision on XX/XX/XXXX. This motion highlights the procedural deficiencies that led to the default judgment, including insufficient notification of the plaintiffs motions and my inability to adequately defend myself. Furthermore, I requested an adjournment of the wage execution hearing originally scheduled for XX/XX/XXXX, which was later rescheduled for XX/XX/XXXX. 

I am concerned that Midland Credit Managements actions, along with the conduct of their legal counsel, violated principles of fairness and may have breached the Fair Debt Collection Practices Act ( FDCPA ). Their failure to provide timely notice and adequate communication deprived me of the opportunity to respond effectively and defend my case. Additionally, their pursuit of wage garnishment without addressing my objections or financial situation raises questions about their compliance with federal regulations governing debt collection practices.

Additionally, had Midland made offers in the form of a payoff presentment, following due process accordingly in good faith, I would have made the necessary arrangements to enter into good faith negotiations to suffice the debt. Instead, it appears that Midland feels that they do not have to follow the law in its entirety and pick and choose what best serves their bottom line. Since they have basically flaunted the law, I am seeking remedy and relief as well as disciplinary actions against Midland Credit Management , Inc for their blatant disregard for due process of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It was reported that I had account with a collection agency, of which I had no legal agreement as well as charge offs to account being reported continuously after the initial charge off date.

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 2025-01-28 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: AZ

Complaint narrative:
It was reported that I had account with a collection agency, of which I had no legal agreement as well as charge offs to account being reported continuously after the initial charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
On XX/XX/year>2025, a North State Acceptance representative told me they could not provide the auction receipt for my repossessed vehicle. However, after I filed a CFPB complaint, they changed their response on XXXX XXXX, 2025, and agreed to provide it. This contradiction shows dishonest communication. 

Additionally, my charged-off account is still reporting as open, which is inaccurate and misleading. I have also not received a full breakdown of the remaining balance after repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am a victim of identity theft. I have included the proper documentation with my report. There are inaccuracies with both inquiries and a XXXX XXXX account that need to be removed from all 3 credit reports XXXX XXXX and 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 non-monetary relief