vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Re : Complaint Against Midland Credit Management , Inc . 
Account Number : XXXX Dear CFPB, Im filing a complaint against Midland Credit Management , Inc. ( MCM ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for FDCPA violations in collecting a {$6200.00} XXXX XXXX XXXX XXXX debt ( MY XXXX XXXX, account ending XXXX ). 

Violations : 1. Non-Validation ( 15 U.S.C. 809 ( b ) ) : I demanded validation on XX/XX/XXXX and XX/XX/XXXX, requesting my full name ( XXXX XXXX XXXX ) , contract, history, and assignment proof. MCM missed the XX/XX/XXXX deadline, sent nothing, yet continued collection with a XX/XX/XXXX pre-legal letter, breaching FDCPA.

2. False Records ( 15 U.S.C. 1692e ) : MCM uses XXXX, not XXXX XXXX XXXX , suggesting wrong or fake data, violating FDCPAs ban on misleading practices.

3. Time-Barred Debt ( 15 U.S.C. 1692e, 1692f ) : Defaulted in 2021, the debt is past New Hampshires 3-year limit ( RSA 508:4 ), likely applied in Maine ( 14 M.R.S. 866 ). MCMs litigation threats are unfair, violating FDCPA.

Impact : MCMs threats cause anxiety and disrupt my life, forcing me to defend my rights.

Requests : 1. Investigate MCMs FDCPA violations.

2. Order MCM to stop collection until validated.

3. Sanction MCM and clear my credit report if debt is invalid.

Evidence : - XX/XX/XXXX validation request - MCMs XX/XX/XXXX letter - Certified mail proof - ID with full name Please act swiftly to stop MCMs unlawful practices. Contact me for details. 

Sincerely, XXXX XXXX XXXX cc : Maine Bureau of Consumer Credit Protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union ( NFCU ) withdrew {$1100.00} from a joint checking account that I share with my spouse, without providing notice or legal justification. The funds were allegedly applied to a charged-off credit card and/or personal loan in my name, which was charged off in 2023 and does not appear under my current NFCU account nor under my spouses online profile. 



NFCU never disclosed or proved that it retained any right to collect on that debt, especially by using funds from a joint account where the other party ( my spouse ) is not a co-borrower and not liable for the debt. Furthermore, the withdrawal resulted in our joint account being overdrawn.

When my spouse contacted Navy Federal, she was told nothing could be done, and a supervisor hung up the phone during the discussion. To this day, NFCU has failed to provide : Any proof of where the funds were applied A copy of the underlying agreement justifying such an action An explanation of why this charged-off account is hidden from view This appears to be a violation of consumer protection laws, joint account rules, and likely amounts to conversion of funds not legally owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am the victim of identity theft. My personal data was likely compromised in the Equifax breach, and fraudulent accounts were opened in my name. These include XXXX accounts that were later bundled into a {$5000.00} collection by XXXX XXXX XXXX, and a {$2500.00} XXXX XXXX collection. 

I filed an identity theft report with IdentityTheft.gov and am requesting these accounts be permanently blocked and removed under 15 U.S.C. 1681c-2. 

XXXX also listed incorrect aliases like XXXX XXXX and XXXX XXXX. These errors further prove identity mix-up or fraud. My disputes have been ignored or auto-verified through XXXX  without proper investigation. 

Please escalate for removal across all three credit bureaus.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
XXXX XXXXXXXX 2025 I mailed a certified letter to National Credit Systems about this collection that has negatively been affecting my credit reporting. I sent this letter : To Whom It May Concern, I am writing in response to your attempts to collect an alleged debt from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I previously requested that you provide proper validation of this debt, including but not limited to : The name and contact information of the original creditor. A detailed accounting of the alleged debt, including how the amount was calculated. Proof of your agencys legal authority to collect this debt in my state, including a copy of your licensing information. The complete chain of custody for this debt, showing a proper transfer of rights from the original creditor to your agency. Despite my lawful request, you have failed to provide the required documentation. Your failure to validate the debt, coupled with your continued collection efforts, constitutes violations of the FDCPA, including but not limited to : 15 U.S.C. 1692g ( b ) : Failing to cease collection efforts until proper validation is provided. 15 U.S.C. 1692e : Engaging in false, deceptive, or misleading practices. 15 U.S.C. 1692f : Using unfair or unconscionable means to collect a debt. As a result of your violations, I have suffered undue stress, emotional distress, and other damages, for which I am seeking monetary compensation. Under the FDCPA, I am entitled to statutory damages of up to {$1000.00} PER violation, as well as actual damages and attorneys fees, should I be forced to litigate this matter. If you do not immediately cease collection efforts and provide full validation of the alleged debt, including proof of licensing and chain of custody, I will pursue legal action against your agency. This will include a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and a civil lawsuit seeking damages, including but not limited to statutory penalties, legal costs, and any additional relief the court deems appropriate. You have 15 days from the date of this letter to respond with the requested documentation and a resolution offer. Failure to comply will result in immediate legal action. This letter serves as formal notice of my intent to litigate should you continue your unlawful collection attempts. I never received information requested at all and the company is still reporting to credit bureaus.I HAVE SENT PROOF THAT THE ORIGINAL CREDITOR STATED I DO NOT OWE THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted XXXX XXXX several times since XXXX due to a job loss. They couldnt give me clear timelines for any actions they would take if payment wasnt provided. The fourth individual finally told me somewhat of a definitive timeline for their processes. Fast forward to a month ago, i finally find employment and tell them i can provide payment of one car note on a specific day, they said thank you we will take note. Most of XXXX passes and I get a notice saying my credit score had sank XXXX points after a late payment notice was included on 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  California XXXXD.O.B - XXXXXXXXLast 4 SS# - XXXX XXXXXXXX XXXXTransUnion\nXXXX XXXX XXXX XXXX PA XXXX XXXX XXXXSubject: Formal Dispute  Unauthorized Hard Inquiries  FCRA & Metro 2 Compliance \nDemand\n \nTo Whom It May Concern,\n\nThis is a formal dispute under the Fair Credit Reporting Act (FCRA) regarding unauthorized hard inquiries appearing on my consumer report. The inquiries in question do not meet the FCRAs permissible purpose standard under:\n\nFCRA  604(a)(3) [15 U.S.C.  1681b]  No person may access a consumer report without a permissible purpose, such as a consumer-initiated credit transaction.\n\nFCRA  607(a) [15 U.S.C.  1681e(a)]  Credit reporting agencies must maintain strict \nprocedures to ensure inquiries are made only for legitimate purposes.\n\nThe following inquiries are unauthorized and unverified, and I demand their immediate deletion:\n \n1. DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs per Metro 2 Compliance Guidelines, any inquiry that lacks a valid, documented permissible purpose initiated by the consumer must be suppressed and deleted under the Inquiry Type Code H (Hard Inquiry) if disputed.\n\nAdditionally, your continued reporting of these inquiries after my dispute constitutes:\n\nWillful noncompliance under FCRA  616 [15 U.S.C.  1681n]  Subject to statutory \ndamages of up to XXXX per violation.\n\nNegligent noncompliance under FCRA  617 [15 U.S.C.  1681o]  Liable for actual \ndamages, court costs, and attorney fees.\n \nACTION REQUIRED:\n \n1. Delete all unauthorized inquiries immediately.\n \n2. Provide written confirmation of deletion.\n\n3. Include the name and permissible purpose used by the furnisher for each inquiry, as \nrequired by FCRA  609 [15 U.S.C.  1681g].\n\nIf these inquiries are not removed within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the Office of the State Attorney General, and I will pursue civil legal action under FCRA  616 and 617.\n \nYou are now officially on notice. Noncompliance will result in further legal escalation.\n \nSincerely,\n \nOweeda Newton\n \nCopy of ID and Utility Bill'

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 2025-05-29 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: NJ

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-29 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a XXXX party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have made multiple attempts over XXXX months to straighten out an auto payment or even gain ability to login and make a payment. I initially went to my original mortgage bank and filled out all of the proper paperwork and setup auto payment. Eventually after 60 days, I noticed no payments were being processed. I reached out to original bank and they instructed me to contact the new bank for they couldnt do anything. Well, this companys call center transfers you to a XXXX party call center out of country with barely understandable English than requires you to answer questions like your full social security number and mailing address etc. what stops them from copying that down and selling it on the dark web? They proceed to tell me Ive not done anything, made payments etc when I literally have all the documents my other bank helped me with. Ive been able to make only XXXX payments and now Im not able to login again. Ive barely been able to get the logins or apps to work. Its almost like its rigged to make you fail or get frustrated to the point of walking away or considering legal action. I cant make this stuff up. Having my mortgage sold to PHH mortgage has caused me great grief unnecessarily. Ive fought day after day only to be told Im late on on payment with no solution. When you do get through to someone. The English is so bad you cant accomplish anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NH

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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