vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

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 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection agency that is currently handling my account due to a lease violation, which resulted in a balance of over {$4000.00}. 

Since XX/XX/year>, I have been receiving repeated phone calls from the agency almost every other day typically during the morning hours while I am unavailable due to being enrolled in educational. Despite my unavailability, the calls have continued during business hours. 

I continued to receive calls after XXXX XXXX, and out of frustration, I eventually answered and informed the agency that I am in school during the day and can not speak until after XXXX XXXX. However, the calls continued, including several calls received at XXXX XXXX  still during my working hours. 

When I was finally able to return the call, I advised the representative that I no longer wished to continue with automated payments and would instead make manual payments online. The representative responded that if I stopped the automated payments, the corporate office might pull my file and demand the full balance I advised that the comment does not make sense, If i make my own payment why would corporate remove my file?. I was also told that many customers who cancel auto-payments do not follow through with manual payments implying that I might do the same

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: IL

Complaint narrative:
Consumer : XXXX XXXX Company : Midland Credit Management Account ( s ) in Question : XXXX Complaint Summary : Midland Credit Management is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by using false, misleading, and deceptive practices, and by failing to provide me with a meaningful opportunity to dispute this alleged debt before furnishing negative information to the credit reporting agencies.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) Midland failed to provide me with the required disclosures about my right to dispute the debt in the validation notice.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Midland did not provide itemization or sufficient information required by law to allow me to understand or verify the debt.

3. 12 CFR 1006.34 ( d ) Midland placed this alleged debt on my credit report before giving me the opportunity to dispute it, which is unlawful.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Midland failed to provide the required notice of furnishing negative information to the consumer before reporting it to the credit bureaus.

Unfair & Deceptive Practices : Midland is using false, misleading, and deceptive means by reporting an unverified debt to my credit profile.

By failing to provide proper validation and disclosures, they deprived me of my right to dispute the debt before it was published to my consumer reports.

Requested Relief : I request that Midland Credit Management immediately : 1. Provide full debt validation, including : o A complete accounting of the alleged debt.

o A copy of the purchase agreement/contract between the original creditor and Midland showing their ownership and right to collect.

o Documentation proving the debt is valid and collectible.

2. Provide proof that Midland is licensed and bonded to collect in my state.

3. Cease all forms of communication with me immediately, including but not limited to phone calls, emails, text messages, letters, and any further reporting or furnishing of information to my consumer credit reports, except as permitted by law.

4. Delete this alleged debt from my credit reports unless and until it is fully validated in compliance with federal law.

5. Cease any further false or misleading reporting or collection activity until they comply with all legal requirements.

Conclusion : Midland Credit Management is in violation of FDCPA regulations ( 12 CFR 1006.34 ) and FCRA ( 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ). Their conduct has caused harm to my credit profile and is a clear abuse of my consumer rights. I respectfully request the CFPB investigate this matter and take enforcement action to ensure compliance with the law and protection of my rights. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a follow-up complaint because all three credit bureausExperian, Equifax, and TransUnionhave failed to properly reinvestigate and correct inaccurate information on my consumer reports, in violation of the Fair Credit Reporting Act ( FCRA ) .I submitted disputes regarding inaccurate addresses, disputed late accounts, and unauthorized inquiries. Instead of providing a proper reinvestigation, the bureaus responded that my documentation was not sufficient or that they relied solely on the furnisher/vendors verification. This is not compliant with the FCRA and does not constitute a reasonable reinvestigation.Inaccurate Addresses XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations Under FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Simply parroting the furnishers response without providing actual proof is not compliant.

Under FCRA 609 ( a ) ( 1 ), I have the right to all information in my file, including the actual verification documents used to continue reporting these items. The bureaus have failed to provide such documentation.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing a late payment reported on my XXXX XXXX XXXX  XXXX  XXXX. On multiple occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, I called customer service to pay my bill. I provided both debit card and bank account information, received confirmation numbers, and was told my account was up to date. 

Despite my good-faith payment attempts, XXXX failed to process my information correctly. I was later told my card was declined but I was never notified or given a chance to provide different payment details. Instead, my account was marked late, late fees were charged, and the delinquency was reported to the credit bureaus. I also questioned why they have not contacted me which therefore told me I was on the no call list that I authorized which is false. 

This was not caused by my failure to pay, but by the banks failure to process payments provided to their agents. I have written dispute letters and requested call recordings, which will show I made every attempt to pay on time.

This inaccurate late payment has damaged my credit score and does not fairly reflect my credit behavior.

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 2025-09-27 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: NC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting XXXX XXXX  XXXX XXXX XXXX XXXX Charge-Off Dear Consumer Financial Protection Bureau , I am filing a complaint concerning inaccurate and misleading reporting on my credit file by XXXX XXXX  XXXX XXXX XXXX The account details are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status Reported : Account charged off, {$500.00} written off, {$500.00} past due as of XX/XX/XXXX Reported Balance : {$500.00} Credit Limit : {$300.00} On Record Until : XXXX XXXX Status Updated : XX/XX/XXXX This reporting appears to violate the Fair Credit Reporting Act ( FCRA ). My concerns are outlined below : 1. The account is reported as both a charge-off and simultaneously past due in the amount of {$500.00}. These are contradictory statuses. Once an account is charged off, it can not continue to reflect a past-due balancethis results in duplicate derogatory reporting that misrepresents the true status of the account.

2. The payment history continues to reflect CO ( charge-off ) notations for multiple months in XXXX and XXXX, even though the charge-off date was already established in XX/XX/XXXX. Continuing to update the account with repeated charge-off codes after the initial charge-off unfairly inflates derogatory reporting. 
3. The accounts Date of First Delinquency ( DOFD ) and removal date appear inconsistent. The report states this account will remain until XX/XX/XXXX, which suggests the account may have been re-aged, extending the reporting period beyond the allowable 7 years from DOFD. This practice is unlawful under FCRA 605 ( c ). 

I respectfully request that the CFPB investigate this matter to ensure compliance with federal law. Specifically, I ask that XXXX XXXX  XXXX XXXX and the credit bureaus be required to : Correct or remove the duplicate derogatory information. 
Stop reporting a past-due balance once the account is charged off.

Ensure that the reporting period is calculated correctly from the true DOFD, not from later updates.

Provide me written confirmation of compliance.

This inaccurate reporting is causing unnecessary harm to my credit standing. I request the Bureaus assistance in holding the furnisher and credit reporting agencies accountable under the law.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and I request a thorough reinvestigation of the following items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following account. 
XXXX XXXX Balance : {$4900.00}

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 2025-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially misleading information reported on my credit file. First, my credit report lists XXXX addresses that are incorrect and should not be associated with my file. 
XXXX XXXX XXXX TEXAS XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Late XXXX Days Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, I have the right to dispute any information on my credit report that I believe to be incorrect. The credit reporting agencies and furnishers are required to conduct a reasonable investigation and correct or remove any information that is found to be inaccurate or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-09-27 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. XXXX ( Failure to reinvestigate ), FCRA 15 U.S.C. XXXX ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in cXX/XX/XXXXing, XX/XX/XXXX, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section XXXX, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-27 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: IA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. XXXX ( Failure to reinvestigate ), FCRA 15 U.S.C. XXXX ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in cXX/XX/XXXXing, XX/XX/XXXX, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section XXXX, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
My chime account was closed without reason.i was suppose to get the money from the account and only received a check for the checking part of the account which I was unable to cash being told something was wrong with the check. I never received the money that was in the savings or credit builder. Last time I called I was given the run around and eventually hung up on. I'm on the brink of homelessness and don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: PA

Complaint narrative:
The Unifin company continues to send me text messages on a daily basis claiming a credit card debt collection of {$700.00} that has been charged off since XX/XX/year>. Thats 8 years ago. Well past the 7 year statue of limitation has expired from XXXX XXXX. I would like them to stop contacting me for this debt that they claim belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This carters account has been closed for years now, it still shows on my credit report for some reason. I never used it like i planned on too and it is impacting my credit score badly. Can we please remove this report off of my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I have a loan with XXXX XXXX  and I have auto pay and payment is up to date. I received a letter from a Marlette Servicing LLC saying I owe a debt and they are collecting it. I make monthly payments and everything is on time.

Letter dated XX/XX/year> and it is from Marlette Servicing LLC dba XXXX XXXX. my monthly payments are {$200.00} and is payed auto pay every month. The auto pay was late a few days from due date and I got a threatening letter I am being sued and sent to collections. I called the company to validate this XXXX XXXX XXXX and spoke to XXXX at XXXX and she validated that I am up to date with my payments. 

Why am I being sued with a debt collector when my payments are up to date???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fidelity National Financial, Inc
State: CO

Complaint narrative:
I tried to sell my house as is to a seller. Contracts were signed and the closing date was scheduled for XX/XX/XXXX XXXX. After submitting a copy of the will/trust to both the buyer and the title company. The title company refused to close. They requested two signatures. The second person refused to sign any documents so the sell fell through. I told the seller that his title company refused to move forward with the sale. I told this seller that I had other buyers who are willing to work with me. I reached out to the title company again and XXXX XXXX said the closing of this property was a no go I told her that was fine as I had found another buyer. This XXXX XXXX XXXX Fidelity National Title company is refusing to sign the XXXX that requires both of out signatures and is maliciously blocking the sale of this home from other buyers. His title company will not allow him to close on this property and I have another buyer who is willing to purchase.. I have requested XXXX XXXX to forward those document s so I could sign off on them. But she had yet to send

Company response to consumer: Closed with explanation