vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To : Midland Credit Management , Inc. 
XXXX XXXX XXXXXXXX XXXX, MI XXXX Subject : Arbitration Election and Cease Communication Demand To Whom It May Concern, This letter is to provide formal notice that I am electing binding arbitration to resolve all claims, disputes, or allegations you have asserted or may assert against me regarding the alleged debt you are reporting and/or attempting to collect.

If you contend you have acquired this debt from an original creditor, you are likewise bound to the arbitration clause contained within that original agreement. Per the Federal Arbitration Act ( 9 U.S.C. 1 et seq. ), I am invoking my right to arbitration, and this election is final and legally binding.

Additionally, under 15 U.S. Code 1692c ( c ), I am demanding that you immediately cease all communications, including : All phone calls, emails, letters, or other contact Reporting or verifying this debt to XXXX XXXX XXXX XXXX Any future collection or litigation attempts Cited Legal Grounds : Federal Arbitration Act ( FAA ), 9 U.S.C. 116 15 U.S.C. 1692c ( c ) Cease Communication ( FDCPA ) 15 U.S.C. 1692g ( b ) Failure to validate disputed debt 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate/unverified information to CRAs 15 U.S.C. 1681n & 1681o Civil liability for FCRA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has refused to update the inaccurate past due balance that XXXX XXXX services has reported to credit agencies. My credit report reflects that I have a past due balance with XXXX XXXX services of {$130.00} ; however, this is incorrect as I do not CURRENTLY have a past due balance. This incorrect and outdated adverse information is negatively impacting my credit score and has decreased my points. I attempted to dispute the inaccuracy with Experian but XXXX XXXX XXXX has continued to refuse to update the e inaccuracy and has not reported the update past due balance of {$0.00} to credit agencies per my dispute request. I have provided proof that my next payment is not due until XX/XX/year> and that I do not currently have a past due balance. Thus, XXXX XXXX XXXX needs to report to credit agencies that I do not have a past due balance currently and needs to do so IMMEDIATELY so that my credit score may regain the points I lost because of this matter.

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 2025-08-02 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: PA

Complaint narrative:
XXXX XXXX XXXX has refused to update the inaccurate past due balance that XXXX XXXX services has reported to credit agencies. My credit report reflects that I have a past due balance with XXXX XXXX services of {$130.00} ; however, this is incorrect as I do not CURRENTLY have a past due balance. This incorrect and outdated adverse information is negatively impacting my credit score and has decreased my points. I attempted to dispute the inaccuracy with XXXX but XXXX XXXX XXXX has continued to refuse to update the XXXX inaccuracy and has not reported the update past due balance of {$0.00} to credit agencies per my dispute request. I have provided proof that my next payment is not due until XX/XX/year> and that I do not currently have a past due balance. Thus, XXXX XXXX XXXX needs to report to credit agencies that I do not have a past due balance currently and needs to do so IMMEDIATELY so that my credit score may regain the points I lost because of this matter.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report. 
OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Security Credit Services, LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding a charged-off account currently being reported by XXXX XXXX XXXX sold to Security Credit Services LLC ) on my credit file. This account was opened in XX/XX/year> and is listed with a balance of {$490.00} ( previously ). It is being reported as 'Charged off and sold ', with the remark : 'Purchased by another lender, Unpaid balance reported as loss '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus.

This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding a charged-off account currently being reported by XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX XXXX my credit file. This account was opened in XX/XX/year> and is listed with a balance of {$490.00} ( previously ). It is being reported as 'Charged off and sold ', with the remark : 'Purchased by another lender, Unpaid balance reported as loss '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus.

This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

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 2025-08-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I am filing a complaint regarding an account reported by a debt collector under Account # XXXX * with a status of " Collection ''. I formally disputed this tradeline and requested proper validation under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ).

Despite this, the account remains on my credit report with no adequate supporting documentation provided. I specifically requested the following information to validate the account and justify its continued reporting : Full name and contact information of the original creditor Itemized breakdown of the amount claimed Full payment and delinquency history Legal documentation proving the agencys right to collect Proof of assignment or ownership of the debt To date, I have not received the required validation or documentation.

I also included a copy of my government-issued ID and proof of address to verify my identity. If the company is unable to verify the account in accordance with FCRA and Metro 2 compliance standards, they are legally obligated to have it removed

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 2025-08-02 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: NY

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XX/XX/year> Inquiry Issue : Unauthorized inquiry affecting credit score Law : FCRA Section 604 ( a ) Inquiries require permissible purpose Instruction : Delete this inquiry if no documented authorization exists Story : I do not recall applying for credit with KMF on or around this date. This appears fraudulent and should be removed unless you can provide evidence that I gave written consent XXXX  XXXX XX/XX/year> Inquiry Issue : Inquiry made without my knowledge or approval Law : FCRA Section 604 ( a ) ( 3 ) Permissible purpose must exist Instruction : Please provide the name of the party who requested this inquiry along with authorization, or remove Story : I was not involved in any transaction with XXXX XXXX on the mentioned date. The presence of this hard inquiry is unjustified and must be addressed immediately I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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 2025-08-02 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: MA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent credit inquiries. Please remove these fraudulent credit inquiries 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent a certifierd letter asking for proof of debt as i have never applied or had a card with this company. am writing regarding the above-referenced account, which appears on my credit report and is currently marked as in dispute. I respectfully maintain that this account is inaccurate and does not reflect a valid or enforceable debt on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of all inaccuracies and disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected ALL of the inaccuracies nor removed the disputed items despite the evidence I provided proving several FCRA violations have occurred and are still occurring presently on my credit report, causing ongoing harm to my credit standing. I am requesting immediate corrective to permanently remove these disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer. I have sent XXXX rounds of dispute letters to Experian in letters dated XX/XX/year> and XX/XX/year>. I have proof that Experian has received all my dispute letters via certified mail tracking and I have requested that Experian send the results of my investigations via XXXX XXXX delivery to the address on each letter I sent. I have not received the dispute results in writing as requested, neither the updated credit report also requested to be sent via mail, nor have all of the inaccuracies or inconsistencies been corrected. I no longer request any corrections as I can not trust Experian 's investigation will be proper according to the law or completed thoroughly. Experian has repeatedly violated FCRA section XXXX ( a ) -failure to conduct a reasonable investigation and FCRA section XXXX ( b ) -failure to maintain maximum possible accuracy. Therefore, I request permanent deletion of this account.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM WRITING TO REQUEST A GOODWILL ADJUSTMENT TO REMOVE THE CHARGE-OFF LISTED ON MY CREDIT REPORT FOR THE LISTED ACCOUNTS WITH A {$0.00} BALANCE. DURING THE TIME OF DELINQUENCY, I FACED SEVERE FAMILY HARDSHIP BEYOND MY CONTROL. AND DESPITE PAST FINANCIAL DIFFICULTIES I HAVE SINCE IMPROVED MY FINANCIAL HABITS. I WOULD SINCERELY APPRECIATE YOUR ASSISTANCE IN HELPING ME REBUILD MY CREDIT. WITH MY SITUATION STABILIZED, I RESPECTFULLY REQUEST YOUR SUPPORT IN REMOVING THE NEGATIVE MARKS FROM MY CREDIT REPORT. 



XXXX XXXX XXXX $ BALANCE CLOSED ) XXXX ( {$0.00} BALANCE CLOSED ) XXXX XXXXXXXX XXXX ( XXXX BALANCE SHOWING BUT PAID TO {$0.00} BALANCE ) XXXX XXXX XXXX ( XXXX $ BALANCE CLOSED ) XXXX  XXXX ( CLOSED {$0.00} BALANCE ) XXXX ( CLOSED {$0.00} BALANCE ) XXXX XXXX ( {$0.00} BALANCE CLOSED ) XXXX XXXX XXXX  ( {$0.00} BALANCE CLOSED ) XXXX XXXX XXXX ( {$0.00} BALANCE CLOSED ) XXXX XXXX INNCORRECT AMOUNT SHOWING $ XXXX PAID TO {$0.00} ) ACCOUNT # XXXX ( {$0.00} BALANCE CLOSED ) ACCOUNT # XXXX XXXX XXXX XXXX ( INCORRECT BALANCE SHOWING $ XXXX BALANCE IS {$2500.00} )

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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may not furnish a consumer report without a permissible purpose. 

Upon reviewing my credit report dated XX/XX/year>, I noticed one or more inquiries that I did not authorize and for which I gave no written or verbal consent. The inquiries in question are as follows : XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My PayPal account has been limited since XX/XX/year>. They asked me to upload documents, but every time I click the link provided ( in emails or inside my account ), it only redirects me to my dashboard with no upload option. 

I have contacted customer service many times via chat and phone. I have also tried using different devices, browsers, and the Resolution Center nothing works. The upload option is never available. 

This issue has been going on for over 5 months and is blocking access to my account. I am asking PayPal to reset the document request or manually review my case. 
I tried to change my email but always denied. And My registered email address no longer exists because it was from my old job. 

Please help escalate this issue and get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I noticed a collection account from XXXX XXXX XXXX appearing on my credit report with a balance of {$130.00}. I do not recall owing this debt, and I have not received proper documentation validating it. 

I contacted the company and requested validation under the Fair Debt Collection Practices Act, but they failed to provide sufficient proof that the debt is valid or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, negatively impacting my credit score.

I am requesting that the CFPB investigate this matter and that the company either provide full and proper validation of the debt or remove the account from my credit report.

[ Credit Bureau Name ] [ Credit Bureau Address ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information that appears on my credit report. I have reviewed my credit file and found an error regarding a collection account reported by XXXX XXXX XXXX. 

The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Opened Date : XX/XX/XXXX Balance : {$130.00} Status : Placed for collection Date Last Reported : XX/XX/XXXX I am disputing this item because I believe it may be inaccurate, incomplete, or unverifiable. I am requesting that this item be investigated under the Fair Credit Reporting Act ( FCRA ) and, if it can not be verified, that it be removed from my credit file. 

Please complete your investigation and provide me with written confirmation of your findings. If the account can not be verified, I respectfully request that it be deleted from my credit report. 

Attached are copies of my identification and proof of address to assist with your investigation. 

Sincerely, [ Your Full Name ] SSN ( Last XXXX digits ) : XXXX XXXX XXXX XXXX XXXX  ] Phone : [ Your Phone Number ] Email : [ Your Email Address ] ACCORDING to LAW XXXX XXXX XXXX you have violated my rights in lawful communications please remove this collection off of all XXXX bureaus and on my credit report immediately thank you

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with explanation