vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to request validation of the debts you claim I owe, as listed in my recent credit report. This is a formal request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information for each alleged debt : The full amount of the debt ; The name of the original creditor ; A breakdown of the charges, including interest, fees, and any payments ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ; The date of default and when the account was opened. 
Accounts in question : Midland Credit Management XXXX- {$560.00} and {$420.00} ( two separate accounts ) Until you provide proper validation, I request that all collection activity, including reporting to credit bureaus, cease immediately. Failure to comply may be considered a violation of the FDCPA and I will report such violations to the Consumer Financial Protection Bureau and the Attorney General of my state. 
This letter is not an acknowledgment or acceptance of the validity of any debt. I am simply exercising my legal right to request proper documentation before taking any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a tradeline reported by XXXX XXXX XXXX XXXX XXXX related to a lease break with XXXX XXXX  which is owned and operated by XXXX XXXX. This is a rental contract dispute, not a standard consumer debt. Despite that, XXXX XXXX XXXX has reported it as an unpaid collection account in the amount of {$1700.00}. 

Key details : Date of First Delinquency : XX/XX/XXXX Reported Balance : {$1700.00} Status Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Type : Rental or Leasing I vacated the unit prior to the end of the lease term, but the apartment was re-rented and occupied by a new tenant before the month was over. XXXXXXXX XXXX  suffered no vacancy loss and collected full rent from the new tenant without any interruption in income. 

Despite this, XXXX XXXX charged me a reletting fee, which I am actively disputing as unreasonable and unjustified. Reletting fees are meant to cover marketing or vacancy costs. In this case, there was no vacancy, and therefore no actual financial damage. Charging this fee appears punitive rather than compensatory. 

XXXX XXXX XXXX is now reporting this disputed charge as a delinquent collection account, misrepresenting the nature of the alleged debt. I have not received : A copy of my original lease agreement An itemized breakdown of the {$1700.00} Documentation proving the fee is contractually enforceable Proof that XXXX is authorized to collect on behalf of XXXX XXXX Additionally, the accounts status date was updated to XX/XX/XXXX, even though there was no payment or activity from me. This may constitute illegal re-aging under FCRA 605 ( c ). 

Both XXXX XXXX XXXX and XXXX XXXX are responsible for the inaccurate reporting and unsupported charges being used to damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I am filing this complaint regarding a tradeline reported by XXXX XXXX XXXX XXXX XXXX related to a lease break with XXXX XXXX  which is owned and operated by XXXX XXXX. This is a rental contract dispute, not a standard consumer debt. Despite that, XXXX XXXX XXXX has reported it as an unpaid collection account in the amount of {$1700.00}. 

Key details : Date of First Delinquency : XX/XX/XXXX Reported Balance : {$1700.00} Status Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Type : Rental or Leasing I vacated the unit prior to the end of the lease term, but the apartment was re-rented and occupied by a new tenant before the month was over. XXXXXXXX XXXX  suffered no vacancy loss and collected full rent from the new tenant without any interruption in income. 

Despite this, XXXX XXXX charged me a reletting fee, which I am actively disputing as unreasonable and unjustified. Reletting fees are meant to cover marketing or vacancy costs. In this case, there was no vacancy, and therefore no actual financial damage. Charging this fee appears punitive rather than compensatory. 

XXXX XXXX XXXX is now reporting this disputed charge as a delinquent collection account, misrepresenting the nature of the alleged debt. I have not received : A copy of my original lease agreement An itemized breakdown of the {$1700.00} Documentation proving the fee is contractually enforceable Proof that XXXX is authorized to collect on behalf of XXXX XXXX Additionally, the accounts status date was updated to XX/XX/XXXX, even though there was no payment or activity from me. This may constitute illegal re-aging under FCRA 605 ( c ). 

Both XXXX XXXX XXXX and XXXX XXXX are responsible for the inaccurate reporting and unsupported charges being used to damage my credit profile.

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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am reporting this account as a result of identity theft. I did not open this account and have no knowledge of its origin. I discovered the account while reviewing my credit report, and it is negatively impacting my credit profile. 

I previously submitted disputes with Experian, Equifax, and TransUnion regarding this fraudulent account. Despite my formal disputes, the account remains on my credit report with no sufficient response or investigation results from the credit bureaus. I have provided an FTC Identity Theft Report and requested validation from both the bureaus and the debt collector, but I have not received any of the documents I requested to prove the account is mine. 

I also requested that the company provide documentation such as a signed contract, application information, IP address, device, or any identification used to open the account. To date, no verification or proof has been provided. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have a right to dispute inaccurate or fraudulent information and to request its removal. Since no validation has been sent to me and Ive submitted an identity theft report, this account must be removed immediately from all credit reporting agencies. If the company can not prove I authorized or opened this account, it should cease all collection activity and delete the account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

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 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
Consumer complaint received 2025-05-27 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: MA

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report inaccurate, unverifiable, and conflicting information on my credit report despite XXXX  formal disputes already sent. All three credit bureaus have failed to provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) and are publishing tradelines that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Ive included image evidence showing that the data for the same accounts is reported differently across the three credit bureaus, with material discrepancies in account status, high credit limits, last payment dates, and charge-off comments. These conflicts clearly violate FCRA 1681e ( b ), which requires credit bureaus to report information with maximum possible accuracy. 



Disputed Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX  XXXX  Equifax reports account as Open while Experian and TransUnion show Closed High credit is inconsistent ( {$890.00} on Equifax vs. {$1300.00} on TransUnion ) Different dates for last activity and payment Reports Charge-Off with a {$0.00} balance marked Open this violates XXXX XXXX XXXX XX/XX/XXXX formatting XXXX. XXXX XXXX XXXX XXXX  XXXX High credit is inconsistent : {$1200.00} ( Experian/Equifax ) XXXX {$2700.00} ( TransUnion ) Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Conflicting comments : Unpaid Balance Reported As A Loss vs. Charged Off Account XXXX. XXXX XXXX  Equifax reports the account as Open, Experian shows Closed, and TransUnion omits it High credit listed as {$0.00} ( Experian ) vs. {$4800.00} ( Equifax ) Last payment date varies between XX/XX/XXXX and XX/XX/XXXX All of this contradicts XXXX XXXX and FCRA standards Laws Violated : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccurate data XXXX XXXX Field Guidelines Conflicting charge-off statuses, Open + {$0.00} + Charge-Off inconsistencies

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 2025-05-27 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: MA

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report inaccurate, unverifiable, and conflicting information on my credit report despite XXXX  formal disputes already sent. All three credit bureaus have failed to provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) and are publishing tradelines that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Ive included image evidence showing that the data for the same accounts is reported differently across the three credit bureaus, with material discrepancies in account status, high credit limits, last payment dates, and charge-off comments. These conflicts clearly violate FCRA 1681e ( b ), which requires credit bureaus to report information with maximum possible accuracy. 



Disputed Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX  XXXX  Equifax reports account as Open while Experian and TransUnion show Closed High credit is inconsistent ( {$890.00} on Equifax vs. {$1300.00} on TransUnion ) Different dates for last activity and payment Reports Charge-Off with a {$0.00} balance marked Open this violates XXXX XXXX XXXX XX/XX/XXXX formatting XXXX. XXXX XXXX XXXX XXXX  XXXX High credit is inconsistent : {$1200.00} ( Experian/Equifax ) XXXX {$2700.00} ( TransUnion ) Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Conflicting comments : Unpaid Balance Reported As A Loss vs. Charged Off Account XXXX. XXXX XXXX  Equifax reports the account as Open, Experian shows Closed, and TransUnion omits it High credit listed as {$0.00} ( Experian ) vs. {$4800.00} ( Equifax ) Last payment date varies between XX/XX/XXXX and XX/XX/XXXX All of this contradicts XXXX XXXX and FCRA standards Laws Violated : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccurate data XXXX XXXX Field Guidelines Conflicting charge-off statuses, Open + {$0.00} + Charge-Off inconsistencies

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 2025-05-27 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: SD

Complaint narrative:
Subject : Request for Investigation of Inaccurate Information on Credit Report Account Name : XXXX Account Number : XXXX Dear : CFPB I recently reviewed a copy of my credit report and found several inaccuracies related to the account listed above. The presence of this incorrect information is negatively affecting my ability to obtain credit. 

I am requesting a formal investigation to verify the accuracy of the following item as it appears on my report : XXXX Account XXXX : XXXX Please correct or remove any inaccurate information in accordance with applicable credit reporting regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
Equifax is reporting a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX XXXX account XXXX partial account number : XXXX ). I disputed this error, and Equifax responded to the CFPB on XX/XX/XXXX, stating that the account is currently reporting as paid as agreed, with no past due payments. 
However, my most recent Equifax credit report, dated XX/XX/XXXX, still shows that same late payment. This directly contradicts their response to the CFPB and proves that the error was not corrected. 
Equifax has not provided any documentation validating the alleged delinquency, which violates FCRA 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable reinvestigation. Maintaining inaccurate information after declaring it to be current is misleading and harmful to my credit. 
I am requesting that the CFPB compel Equifax to delete the XX/XX/XXXX late payment from this account and ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX requested file audit investigation with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me correspondence via postal service dated XXXX that a investigation was completed and will not be pursuing collection of accounts and that they have closed the file and returned accounts to creditor XXXX XXXX XXXX billing. I called XXXX XXXX XXXX XXXX XXXX that payment has been sent to XXXX as we speak, they have received payments. I've sent dispute to XXXX XXXX XXXX XXXX  credit bureaus they have not removed collections from report. I have been disputing with bureaus with no end results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I submitted a formal dispute to both Experian and TransUnion regarding inaccurate and unverifiable information on my credit reports. I provided a signed letter, copy of my government-issued ID, and a recent bank statement to verify my identity and address. My disputes requested a full reinvestigation under FCRA 609 and 611, deletion of any unverifiable accounts, and copies of original signed contracts and the method of verification. 

TransUnion confirmed receipt and stated they contacted the creditors but have not provided any proper verification or results. Experian responded stating the dispute may not have come from me, despite receiving all required ID documentation. This is a violation of FCRA 1681i, which mandates a reinvestigation upon notice of a consumer dispute. 

I am requesting CFPB enforcement to ensure compliance, investigation, and deletion of all unverifiable data from my credit file

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, I was at home inXX/XX/XXXX along with my family members. Upon reviewing my bank account, I noticed that {$6000.00} was withdrawn from my Checking account at Bank of America branch at XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX I notified the bank customer service and fraud department immediately and reported the fraud. I was told by the fraud department that money was withdrawn in person from Bank of America branch in XXXX XXXX. Upon reviewing my account and talking with fraud department, it seemed like someone went to the Bank of America branch in XXXX XXXX with fraudulent identification and the bank failed to identify fake identification and possibly fake debit card and given money to the fraudulent person. I have never been inXX/XX/XXXX in my life. My debit card and Driving license are never stolen or lost so someone may have made fake identifications and used that information to withdraw unauthorized money from my account. I have always kept bank related information at secure place and no one has access of that information. All authorized persons in this account were at home with me as we live in a joint family at the same address. They also have not lost/stolen their identification card or debit card. 

Despite the fact that we never been to any of the above Bank of America branches inXX/XX/XXXXand reported these fraud transaction urgently, the Bank is not doing proper investigation, recognizing these as fraudulent transactions, and giving money back to me.

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 monetary relief
Consumer complaint received 2025-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The account has not been remove loan care show no such acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

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

Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally request validation of a debt that has been brought to my attention. I recently received a letter from a collection agency regarding an alleged debt, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request detailed verification.

Company response to consumer: Closed with explanation