vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting two collection accounts # XXXX for {$1500.00} and # XXXX for {$1300.00} and it has been well over 60 days since I requested validation. Midland has not provided the contract, the account history, a charge-off breakdown, proof of ownership, or any XXXX documentation for either account. Under FDCPA 1692g ( b ), Midland was required to stop all collection and reporting until it provided real validation, not a generic bill or internal statement. Instead, Midland continued to furnish these accounts to the credit bureaus without proving they legally own them or that the balances, dates, or statuses are accurate. This violates FCRA 1681e ( b ) ( maximum possible accuracy ), FCRA 1681s-2 ( b ) ( failure to verify after a dispute ), and XXXX reporting rules because the information being furnished is unverified, inconsistent, and unsupported. Midland Credit Management has been sued nationwide for the exact same violations including unlawful collection, failure to validate debts, and inaccurate reporting so they are fully aware of the law and knowingly ignored it here. Because these accounts remain unverified after 60+ days, Midland is now in active violation of the FDCPA and FCRA , and continuing to report these debts exposes them to civil damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Global Lending Services LLC
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15 usc 1681EB,. Not 100 % accurate.

15 usc 1681A2I. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc 1692C. Illegal contact without written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted my receipt for {$600.00} reimbursement for 3 months of childcare on XX/XX/year> and received a message I had not uploaded a receipt which was false I uploaded XXXX and the XXXX more time after receiving the message. I then longed into see the status and was shocked to see it was denied on XX/XX/year>. I have used the same receipts from my daycare for the past two years and now I'm being told I need another for of verification? This absurd, first you hold my claim for a week saying you didn't receive my receipt and then its denied. I would like for a supervisor or leadership to look into this claim because this is either lack of training or laziness on the part of your claims department.claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a complaint against TransUnion for unlawfully reporting a XXXX XXXX XXXX that can not be verified with the original source, as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXXXXX informed me directly that : The court does not furnish, verify, or report consumer credit information to any credit reporting agency. 

This means TransUnion can not legally verify this XXXX  using the original source. Any verification performed through XXXX, XXXX scraping, or other third-party vendors does not satisfy FCRA 611 ( a ) or 607 ( b ), which require maximum possible accuracy and direct source verification. 

Despite this, TransUnion continues to report the following public record : XXXX XXXX XXXX Filed : XX/XX/year> Reference Number : XXXX Status : XXXX I disputed this item with TransUnion and requested verification. They did not provide : Any documentation from the original court The name of the verifying agent The date/time of verification The Method of Verification required under FCRA 611 ( a ) ( 7 ) This means the XXXX  is legally unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

Additionally, if the XXXX was previously removed or suppressed and later reinserted, TransUnion was required under FCRA 611 ( a ) ( 5 ) ( B ) to notify me in writing within five business days. I received no such notice, which is unlawful reinsertion of a public record. 

I am requesting CFPB intervention because TransUnion continues to report a public record that : Can not be verified with the original source Is being verified through illegal third-party methods Was not properly reinvestigated Was not accompanied by a legally required reinsertion notice This reporting is harming my creditworthiness and violates multiple FCRA provisions.

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 2025-11-15 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: CA

Complaint narrative:
XXXX XXXX and Midland Credit Management are reporting inaccurate and contradictory information on my credit report. Both accounts show the remark account information disputed by consumer while simultaneously showing placed for collection and remain updated monthly as open collections.

This violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) because furnishers must report accurate and consistent information. They can not legally maintain a dispute remark without an active investigation, but they also can not report an active investigation while simultaneously reporting the account as a verified collection.

This mixed dispute coding and mixed account status coding renders the information unverifiable and inaccurate under the FCRA and Metro 2 guidelines.

I am requesting full deletion of these accounts from all credit bureaus because the information furnished is contradictory and can not be certified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that unverifiable or misleading data can not lawfully remain on a consumers 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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX orders placed for XXXX XXXX products to treat XXXX  in the XXXX  ( XXXX XXXX generated with XXXX XXXX and XXXX XXXX ). 

XXXX was the financial institution processing the XXXX orders and PAYMENT was through PAYPAL. 

All three orders were on XXXX and CANCELLED on XXXX. 

XXXX XXXX {$290.00} XXXX XXXX {$170.00} XXXX  XXXX {$160.00} SELLER offered FULL REFUND in an email. They wanted me to keep product and would refund HALF OF THE AMOUNT PAID. I indicated I was not interested as I believe the PRODUCT IS A HOAX/FRAUDULENT. 

PAYPAL has closed all but the Invoice of {$290.00} and not in my favor. I submitted another XXXX pages to PAYPAL today on XXXX DISPUTING ALL XXXX  CHARGES. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I was notified by XXXX, credit reporting that Credit Management Company listed me for an upaid debt on XX/XX/year> reference this debt in the amount of {$1500.00}. This post also gave me a less than favorable XXXX XXXX when I was purchasing my new vehicle at XXXX XXXX in XXXX XXXX, XXXX. Thus, I couldn't qualify for a more favorable finance rate. 

Therefore, as of XX/XX/year>, I was back talking with the XXXX XXXX XXXX XXXX trying XXXX resolve this billing collections adversity that resurfaced as an unpaid debt by the XXXX ( Ref. XXXX no. XXXX ) On XX/XX/year>, I contacted the XXXX  XXXX XXXX XXXX XXXX, asking for something in writing in regards to how to settle this dispute with Credit Management XXXX The clerk said she had nothing on her records to indicate any debt was owed and that it is possible that, because of the age of this debt, a company bought the debt -- but on the other hand, the XXXX  would no longer have this on file for payment. 

Also on XX/XX/year>, I contacted XXXX XXXX, XXXX and the billing clerk said my balance was at {$0.00} and I did not owe anything to them. And when she asked me what was the name of the agency collecting the debt of {$1500.00}, I told her XXXX XXXX and I was told she never heard of them and it wasn't on the list of collection agencies they deal with. 

In addition, as of XX/XX/XXXX, I initiated a consumer complaint against XXXX XXXX with the XXXX Attorney General 's office online, to help remedy this nonsense by removing this falsely accused debt from my credit report. 

Now, I am at my wits end dealing with this harrassment and their direct posting to my credit report. Please help me by resolving this issue because I was and I am fully insured by the XXXX  and was authorized care accordingly and according to the XXXX  ( sources ) and the medical facility it was paid. I feel I can't do anything further. Thank you in advance. 



XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  CFPB Complaint What happened? 

XXXX XXXX is reporting a tradeline coded as transferred/sold but is still furnishing derogatory information. The account includes inconsistent balances, conflicting open dates, and incomplete payment history. 

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX CFPB Complaint What happened? 

XXXX XXXX is reporting a tradeline coded as transferred/sold but is still furnishing derogatory information. The account includes inconsistent balances, conflicting open dates, and incomplete payment history. 

Violations : 1681s-2 ( a ) ( 1 ) 1681e ( b ) 1681i ( a )

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 2025-11-15 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: NJ

Complaint narrative:
I am submitting this report because I have fallen victim to the Equifax data breach, which exposed my personal identifying information without my consent. As a result of this breach, fraudulent accounts and inaccurate information have appeared on my credit file.

Under 15 U.S.C. 1681c-2 ( a ), I am formally requesting that these identity-theft-related items be blocked and removed immediately from my credit report. This section of the Fair Credit Reporting Act requires consumer reporting agencies to block information that results from identity theft once the consumer provides proper proof. 

I am asserting my rights under federal law and demanding the removal of all fraudulent, unauthorized, or identity-theft-related accounts or inquiries linked to the Equifax breach. These accounts were not opened or authorized by me, and I am requesting that they be permanently deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Attempted to have XXXX XXXX. validate a debt by me ( consumer ), sending a validation of debt letter via certified mail XXXX in which they received on XX/XX/. They failed to validate the debt by providing the name and address of the original creditor per 15 US Code 1692. I ( Consumer ) sent XXXX XXXX. a cease and desist notice via certified mail XXXX in which the received on XX/XX/2025. I later sent an Affidavit of Truth. I then submitted a CFPB complaint as number XXXX in which XXXX responded by stating " We received your written request to stop all collections contact with you regarding your accounts. This includes telephone calls to your home, work, and cell phone numbers, text message, letter, chat and emails. We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your accounts. '' Since this last communication I have not heard from them attempting to validate the debt in any way until XXXX XXXX. decided to hire an attorney by the name of Selip & Stylianou , LLP. They sent me a Model Form B1 1006.34 ( d ) ( 2 ) form along with a letter on XX/XX/XXXX and then sent me a letter on XX/XX/XXXX stating who the original creditor is without any proof attached. Selip & Stylianou , LLP violated the cease and desist notice twice in which is subject to {$1000.00} violation for each occurrence per 15 US Code 1692k. 

This is backed up by case law ; " In XXXX XXXX XXXX, the court rejected a debt collectors argument that using Model Form B-1 granted a safe harbor from all FDCPA claims. The court held that while Reg F provides a safe harbor for alleged violations of the information and form requirements of the validation notice context, that safe harbor does not extend to alleged FDCPA violations unrelated to those form/information requirements ( e.g., 1692c ( c ) ). 

I also consider this form deceptive according to 15 US Code 1692j ( a ), which is subject to another {$1000.00} violation.

See the attached invoice for {$3000.00} for violations committed by Selip & Stylianou , LLP. 

I have so many questions and concerns about how an Attorney can name the original creditor in a few days but the " creditor '' can't in 7 months? Seems very deceiving and a question of fraudulent activity especially not showing a requested promissory note and/or paper trail of where the credits originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding and XXXX XXXX XXXX are reporting inaccurate and contradictory information on my credit report. Both accounts show the remark account information disputed by consumer while simultaneously showing placed for collection and remain updated monthly as open collections.

This violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) because furnishers must report accurate and consistent information. They can not legally maintain a dispute remark without an active investigation, but they also can not report an active investigation while simultaneously reporting the account as a verified collection.

This mixed dispute coding and mixed account status coding renders the information unverifiable and inaccurate under the FCRA and XXXX XXXX  guidelines.

I am requesting full deletion of these accounts from all credit bureaus because the information furnished is contradictory and can not be certified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX amount {$3500.00} i did not open this account. identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Im complaining about Comenity Bank who manages my Carters credit card ( account closed in XX/XX/year> ). In XX/XX/year>, I contacted Comenity Bank to close my Carters credit card account and pay the full remaining balance, including all purchases and late fees. The Comenity representative assured me on a recorded call that the account would be closed in good standing and that no further fees would accrue.

I relied on that statement and immediately paid the full amount shown as due. However, months later Comenity began calling and emailing me claiming new late fees had accrued after the account was closed. 

When I called to clarify, a later representative acknowledged that the XXXX agent had misinformed me and confirmed the earlier calls were recorded. Despite this admission, Comenity has continued to demand payment and has refused to waive the residual balance. 

On XX/XX/year> I mailed a certified dispute letter to Comenity Bank ( XXXX XXXX XXXX XXXXXXXX, OH XXXX ). XXXX tracking confirms delivery on XX/XX/year>, yet collection calls have continued even after receipt of my written dispute and cease-communication request. I am attaching call history and voicemail evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Several accounts have appeared on my credit reports that I did not open or authorize. These include credit cards, store accounts, and collection accounts that are inaccurate and unverifiable. I have reviewed my credit reports from Experian, Equifax and TransUnion and confirmed that these accounts are not mine. I submitted an Identity Theft Report to document this misuse of my personal information. I am requesting that all fraudulent and inaccurate accounts be removed immediately. I have attached my Identity Theft Report and dispute letters for all three bureaus to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: IL

Complaint narrative:
After I formally disputed the debt with the first collection agency ( XXXX XXXX ) and requested validation in writing, a second collection agency, XXXX XXXX XXXX XXXX, contacted me attempting to collect the same disputed debt. 
This occurred while the debt was still under active dispute and validation had not been provided. 
Under the Fair Debt Collection Practices Act ( FDCPA ), a debt can not be transferred or collected by another agency while it is in dispute. Collection activity must stop until validation is provided. 
XXXX XXXX attempt to collect a disputed, unvalidated debt appears to violate FDCPA 15 USC 1692g ( b ) and may also indicate that the original creditor placed the same debt with multiple collectors at once. 
I am requesting CFPB intervention to : Investigate the use of multiple collectors on the same disputed debt Require all collection activity to cease until validation is produced Remove any negative reporting related to this debt Hold both the collection agencies and the property accountable for improper and abusive debt handling practices The situation is causing significant stress and harm, and the debt remains inaccurate due to the propertys failure to disclose the notice issue while I was still a tenant actively seeking clarification.

Company response to consumer: Closed with explanation