vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Recently I received a Pre-Legal Notice for Non-Payment of Debt from Midland Credit Management , Inc . The notice claimed I owe {$16000.00} on an account allegedly originating with XXXX XXXX XXXX  ( XXXX ). The letter stated that Midland is considering litigation in Louisiana if payment is not made by XX/XX/year>. 
To date, Midland has not provided any documentation validating this alleged debt. I have not been given a copy of the original signed agreement, a complete accounting of how the balance was calculated, or proof of assignment establishing Midlands legal right to collect. Despite the absence of validation, Midland is threatening legal action and continues to report the account negatively to credit bureaus.

Impact : I am facing threats of litigation without proof that Midland has the legal right to collect.

The alleged balance of {$16000.00} is unverified and unexplained. 
Negative credit reporting tied to this account has severely damaged my credit, making it impossible to secure safe housing for myself and my child.

Collection notices and threats add daily stress to already difficult circumstances.

These practices are unfair, deceptive, and abusive, as Midland is attempting to collect and threaten litigation without first producing validation as required under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Collector name : Hollis Cobb Associates , Inc . 
XXXX : XXXX XXXX XXXX XXXX I am being charged {$5500.00} for the anesthesia and facility fees associated with a tubal ligation, an ACA-mandated preventive procedure ( XXXX XXXX ). My XXXX plan XXXX network through XXXX is a non grandfathered, ACA compliant plan. 

Under XXXX CFR XXXX, anesthesia and facility fees must be covered at 100 % with no cost-sharing for preventative procedures. 

I called XXXX on XX/XX/year> and spoke with an agent, XXXX, who joined me on a XXXX way call the same day with XXXX XXXX 's billing dept to correct the claim and reprocess with the correct codes so the facilities fees would be covered at 100 %. I was told the claim was being reprocessed and it would take 45 days to see the result of that reprocessing. I checked back with both the hospital billing dept and my insurance after 45 days and both said they had no record of the re-processing. 

Despite being in contact with XXXX XXXX billing and assuring them I was working with their dept and insurance to get my insurance to cover the claim ( as they are federally mandated to do by the ACA ), they sent me to collections. 

XXXX XXXX contacted me on XXXX via text without ever sending the required written validation notice, which violates the FDCPA. 

This situation has caused me stress and potential financial harm.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX [ Date ] XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear LVNV FUNDING, LLC, I am writing to request validation of the debt you claim I owe on the above-mentioned account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. * Original Contract * : A copy of the original contract or agreement between the original creditor and myself.

2. * Account Statements * : A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. * Chain of Assignment * : Proof of how the debt was assigned to LVNV FUNDING, LLC.

4. * Creditor Information * : The name and address of the original creditor. 

Please provide the aforementioned information within 30 days of receipt of this letter. Until I receive the requested validation, I dispute the debt and request that you cease all collection activities. 

If I do not receive the requested information, I will assume that the debt is not valid, and I will take necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Credit Collection Services is attempting to collect a debt that they do not have legal standing. I am requesting the following information.

It is my position that Credit Collection Services was no legal right to pursue this debt. I am demanding that XXXX XXXX XXXX provide the following : 1. Assignment Contract or Full Chain of Assignment 2. Bill of Sale from the Original Creditor 3. Account-level Documentation : Signed Contract, Statements, Charge-Off Details 4. Proof of Licensing and Bonding to Collect debt in Missouri 5. Full Breakdown of how the balance was calculated ( principal, interest and fees 6. Provide proof this debt was not securitized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosenberg & Associates Recovery Services
State: ID

Complaint narrative:
First received call from XXXX and man spoke very fast and stated there was a judgement against me and they want my address to serve me paperwork. I refused without more info and was told to call XXXX and speak to a rep and gave me reference number XXXX -- did not say who I was calling then hung up. I called the XXXX number and spoke to XXXX who said I had past due bill with XXXX XXXX from XXXX and I owe XXXX. She said this is a bill in my name only and also said the account collection was put on hold in XXXX and she wanted to know how I can pay the bill. I advised I know nothing of this and can not pay this bill and would like to speak to my spouse about it. She said I can call her back Monday. She was asking many personal questions thatg I would not answer. I told my sister about this and she knows the collection process, legal info on debts because I was so confused. Her and I called the company back together and I stated it was ok for them to speak to her and vice versa. We did not get XXXX but instead got a man named XXXX XXXX who said I actually owe almost {$7000.00} because of interest on the {$1700.00} principle and if I do not pay, I will be sued and garnished. When my sister asked who his company was he got very rude, skirted the question and asked why we were questioning him. She stated when is this from and he said account opened XXXX, closed XXXX but went deliquent in XXXX. She asked if I made a payment in XXXX and he said no. She then asked the company name and address again and he said Rosenberg and Associates then asked why and accused me of trying to stall and not pay. She advised we are going to send a cease and desist letter due to statute of limitations and he said he is a lawyer and we basically did not know what we were talking about then when my sister said Idaho law is 5 years, he hung up on us. Upon looking up Rosenberg and the number we called, we found out that the real Rosenberg has big warning on their website that if anyone gets phone call like this that it is not them and they filed complaint with the federal consumer office and to do the same. I went there to do thatg and was directed to this complaint to file.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Not handling my refund from unauthorized transaction and hanging up on me with constant emails and no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-04 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: SC

Complaint narrative:
I've been in communication with ( Transunion, Equifax or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about the incorrect personal information on my file. Not only is it unfair, it's also illegal. By law 15 USC 1681 ( b ) it clearly states that your reporting agency must follow these.

Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information accordance.

This whole this is unfair. This has been stopping me from being able to move forward in life because of the inaccurate information being reported on my credit report. I have told ( Transunion, Equifax or Experian ) many time I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This is clear violation of 15 USC 1681 & 15 USC 1681 C-2.

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only date of birth is : XX/XX/year> My only employer is : XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
Columbia Debt Recovery has failed to respond to my written dispute and request for debt validation, despite confirmed delivery. I provided all necessary documentation and requested a halt to collection and credit reporting until the matter was resolved. A month has passed with no reply, causing ongoing stress and potential harm to my credit profile. I am seeking agency intervention to compel a full response and compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: RI

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and my score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That commitment has not been honored, and the inquiries remain. This failure to act is unacceptable.

The continued presence of these fraudulent entries raises serious concerns of identity theft and is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: VA

Complaint narrative:
On XX/XX/year>, Kraken placed my account on hold and froze my cryptocurrency deposit. Since then, I have been unable to access or withdraw my funds. I submitted Complaint ID XXXX to the CFPB. Kraken responded by stating that my account is restricted for security purposes but did not provide any details or instructions on how to resolve the issue. They then marked my complaint as Closed with Explanation, although no resolution was provided.

My funds remain blocked, and I have not received any clear guidance from Kraken on what steps are required to restore access. The companys handling of my case leaves me without access to my property and without any meaningful explanation.

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 2025-09-05 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 am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-09-04 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and n

ot accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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