vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. Code XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested verification of the apartment debt, including a copy of the lease agreement, final billing statement, move-out documentation, and proof of assignment showing they have the legal right to collect. I also asked for the method of verification and the date the account was validated, but I have not received any response or documentation, its been over XX/XX/XXXX days multiple disputes sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> To : Bank XXXX XXXX TransUnion LLC Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. XXXX ( c ) Account XXXX. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under XXXX U.S.C. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing Bank XXXX XXXX and the consumer reporting agencies listed above ( TransUnion,XX/XX/XXXX andXX/XX/XXXX ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice has been received, you are prohibited from contacting me further about this matter, except to : XXXX. Inform me that your collection or reporting efforts are being terminated ; or XXXX. Notify me that specific legal remedies may be pursued. 

Any communication beyond these limited exceptions will constitute a violation of federal law. 

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by Bank XXXX XXXX and cease the reporting or re-reporting of any unverifiable or disputed account information associated with this account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account 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 2025-10-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate reporting on my credit file concerning the following accounts : XX/XX/XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment XX/XX/XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment These entries are incorrect and have negatively affected my creditworthiness. Both accounts have a XXXX balance, yet they are being reported as late payments. This reporting is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be complete, accurate, and verifiable. 

I request that the CFPB investigate this matter and instruct the creditor and credit bureaus to : Immediately correct or remove the inaccurate late payment entries for the above accounts. 

Provide written confirmation that these corrections have been made to all major credit reporting agencies. 

Ensure that my credit report reflects accurate and up-to-date information. 

This issue has caused unnecessary stress and potential financial harm. I expect a prompt resolution and appropriate corrective action. I am prepared to provide any supporting documentation necessary to facilitate this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2025 To : XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Subject : Cease and Desist XXXX Notice XXXX to XXXX XXXX. XXXX ( c ) Account XXXX. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX XXXX and the above-listed consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ) to immediately cease all communication with me regarding the above-referenced account.

Under federal law, once this written notice is received, you are prohibited from contacting me further about this matter, except to : 1. Inform me that your collection efforts or reporting activities are being terminated ; or 2. Notify me that specific legal remedies may be pursued.

Any communication beyond these limited exceptions will constitute a violation of federal law. 

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXXXXXX XXXX and cease the reporting or re-reporting of any unverifiable or disputed account information associated with the above account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account XXXX. : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
XXXXnsumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I am filing this complaint because the company listed above is reporting a collection account on my credit report. I have sent multiple written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and Fair Credit Reporting Act ( FCRA 611 & 623 ). It has now been well over 30 days, and I have not received any documentation, proof of ownership, or verification of the alleged debt. 
Continuing to report this information without proper verification violates XXXX XXXX reporting standards, which require accurate and verifiable data, and constitutes noncompliance under FCRA 623 ( a ) ( 1 ) ( A ). 
I am requesting immediate removal of this collection account from all credit bureaus and written confirmation that the debt has been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: PA

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 2025-10-15 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: PA

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 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a collection notice from CMRE Financial Services for an account under reference number XXXX related to XXXX XXXX XXXX XXXX. The total balance was {$220.00} after partial payments were made. 
On XX/XX/year>, I paid this balance in full through CMREs payment portal and received confirmation. When I later searched the reference number, it no longer appeared in the system, confirming the account was resolved. 
However, on XX/XX/year>, CMRE mailed me a new collection notice under a different reference number ( XXXX ) for XXXX XXXX XXXX XXXX, again showing a balance of {$220.00} the same amount as the previously paid account. 
I believe CMRE is attempting to collect a duplicate debt that has already been paid. I have tried to verify this through their system, but the original paid account no longer shows up. I have not received any written clarification from CMRE after my payment.

This situation has caused confusion and unnecessary stress, as I continue to receive letters for a debt I already resolved. I am asking for assistance to ensure CMRE updates their records, stops sending duplicate collection notices, and confirms the account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: AL

Complaint narrative:
I recently moved from my apartment a month ago. I did a 60 day notice. I just received a letter from I.Q data international stating I owe them XXXX for the XXXX XXXX. I offered on numerous occasions to pay something on my account every month or so from {$50.00} to {$100.00}. The lady told me they dont do payment plans there not a finance company and I can borrow the money from someone or get a loan from a bank and pay the bank back in payments and not them. They are not a company who offers plans. I either pay in full or nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding a Truist Bank credit card I opened in XXXX at one of their branch locations. At the time of opening, I was offered a 0 % interest rate for 12 months as a promotional introductory offer. 

Around XXXX months later, I was notified by my mortgage company that my ex-husband, who was occupying my former residence, had fallen behind on mortgage payments, which negatively affected my credit score. As a result of this credit score drop, Truist increased my interest rate and voided the 0 % introductory offereven though I had been making all required payments on the credit card itself.

I contacted Truist Bank and spoke with a manager, but I was told that nothing could be done and that I would now have to pay full interest on the account. This was extremely disappointing and unfair, as I relied on the 0 % offer for a year when I opened the card to help fund and build my small business.

Had I known that Truist could void the introductory offer due to unrelated credit eventsespecially when my account was in good standingI would have never opened the business account or credit card with them.

I respectfully request that the CFPB review this matter and assist in restoring the original terms of the 0 % introductory offer or help ensure that Truist provides a fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Trust CC last XXXX XXXX Date 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have explained multiple times to them that I didnt use the card and it was probably done by a person I was going to do business with. I didnt go into business with him because he was doing questionable business policies. I didnt want to get involved in that. I was sick with XXXX XXXX XXXX XXXXXXXX and was XXXX I was just logging in to see the bill ammount and paying the bill. This is related to a card that had fraud ending in XXXX and was closed. They are claiming that this was a recurring billing charge. First of all when I log into my XXXX XXXXXXXX card it says this is your recurring charge. Discover never did that. Secondly when I cancelled that card this recurring billing charge went through on the old card which shouldnt have ever happened. I have recurring bills with master card and XXXX XXXXXXXX and they never went through until I provided my new card number. This is XXXX percent wrong and should be resolved ASAP. They didnt protect me against fraud. They originally told Me since its related to the old fraud case XXXX wont be held accountable. The person I was going to do business with had my address and used that at XXXX. I Should not be held accountable for something I didnt purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Achieve XXXX that does personal loans starts calling me 4x a day + if Im a day late on payment. They also call past hours theyre not legally allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I dispute the Midland collection account. Midland has failed to provide proof of ownership or original creditor documentation, violating FCRA 623 ( a ) ( 3 ). Per FCRA 611 ( a ) and 16781i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation