vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management keeps calling, we don't answer calls from numbers we don't know. I XXXX their number to come up with who keeps calling. We have NO debt to anyone in fact my credit rating is is XXXX Credit cards are paid off monthly, same with mortage and we have no car loan. Even with a greeting on our answering machine that we don't answer call when we don't know the number or name they keep calling. 

MCM stands for Midland Credit Management, a debt collection agency that buys unpaid debts from original creditors like credit card companies, retailers, and utility providers. They are likely calling you because they purchased an account that was assigned to you and is now in collections. You have rights under the Fair Debt Collection Practices Act ( FDCPA ) that prevent MCM from harassing you or using illegal tactics, and you can dispute the debt or negotiate payment if it's valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: IN

Complaint narrative:
We have a business account with a vendor that has been signed up for collections - even though the bills are not due. 
We are net XXXX terms and the letters we receive have the same date as the invoice date listed on my end - Meaning, these bills are being sent to collections before they are XXXX sent to me or XXXX. 30 days before the invoices are even due. 

I have received a letter per invoice for the last month and on top of that - Several calls as well. 

I spoke to the company ( XXXX  ) on several occasions ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) and they have stated several times that the account was placed incorrectly and then pulled but XXXX continues to call, send letters, and try to collect a debt that is not due. 

My account is NOT past due and my account HAS NOT been due to this company yet they continue to harass, refuse to return communication when asked of them, refuse to communicate in any way outside of " collecting false debts. '' I made it clear to this company on Mon, XX/XX/XXXX at XXXX that this is a violation of Fair Debt Collection Practices Act ( FDCPA ) and have since then received no less than a dozen letters and received several calls so either they are not actively attempting to correct the error caused by the company requesting collection OR they don't care. 

To make matters worse, the collections request I received this week was for an invoice that the company duplicated and then reversed since it was XXXX order and they billed me twice. 
When you look at the date of when I received the duplicate invoice ( XXXX XXXX at XXXX ) and look at the collections notice, their notice was dated XXXX XXXX, meaning they are continuously putting my account into collections before invoices are even sent to me and to make matters worse, not even verifying if the due amount is accurate, as like in this case, the company duplicated an invoice and then removed the invoice after it was brought to their attention that it was not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this follow-up regarding my original complaint, # XXXX, filed on XX/XX/year>. 

On XX/XX/year>, the furnisher responded to my complaint acknowledging a XXXX XXXX XXXX debt, JCS Reference # XXXX. In their written response, they stated : They had terminated collection efforts, and If reporting, we will request the credit bureaus to delete our tradeline. Please allow XXXX  days for the credit bureaus to update their records. 

However, on XX/XX/year>, instead of deletion, a new collection tradeline was added to my Equifax credit file for this account. This is directly contrary to the furnishers own written response and is causing material harm to my credit profile. 

I am requesting CFPB assistance to ensure : The immediate deletion of the XXXX XXXX XXXX XXXX XXXX my XXXX  file ( and any other credit bureau files if present ). 

Written confirmation from the furnisher and/or XXXX  that the account has been permanently removed.

Assurance that no further inaccurate reporting will occur on this account. 

I have attached the furnishers official response letter for your review, which confirms their commitment to deletion.

Company 's Response " Thank you for bringing this matter to our attention. Based on XXXX XXXX complaint we have identified a XXXX XXXX XXXX debt under their name, JCS Reference # XXXX. To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradeline. Please allow XXXX days for the credit bureaus to update their records. We appreciate the opportunity to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account at ending in XXXX  and XXXX has been experiencing fraud and J.P. Morgan and Chase has allow the continued fraud to persist. It is clearly not my name on the description. 

Please contact me as soon as possible. Chase refuse to help and resolve this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : Re : Formal Notice of Cease & Desist and Permissible Purpose Demand This letter serves as my official notice regarding your actions involving my consumer credit file and any alleged debt collection attempts. 
Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer PORTFOLIO RECOVERY A Re : Cease and Desist & Permissible Purpose Demand Account # XXXX Reported Date : XX/XX/XXXX Amount : {$450.00} Re : Cease and Desist & Permissible Purpose reporting agency may only furnish a consumer report under certain legally defined permissible purposes. If you, your company, or any affiliated party have accessed, obtained, or reported information concerning me without a legally valid permissible purpose, you are in direct violation of federal law. You are hereby required to provide documented proof of your permissible purpose for any and all activity related to my consumer report. 
Additionally, pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), this letter constitutes my formal cease and desist demand. You are instructed to immediately stop all communications with me regarding any alleged debt, whether by phone, mail, email, text, or through third parties, including my employer and family. Any continued contact after receipt of this notice will be considered a wilful violation of federal law.

Failure to comply with the above will leave me with no choice but to take immediate action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to initiate a private civil lawsuit against your company for statutory damages, attorneys fees, and any additional relief allowed under the law. 
You have 15 days from receipt of this letter to provide written proof of your permissible purpose, and to confirm that all further communication with me will cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-30 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in a data breach with Equifax XXXX that occurred in XXXX and all my personal information got leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CT

Complaint narrative:
On XX/XX/2025 I called XXXX XXXX to update my travel arrangements. Currently I am in the XXXX XXXX and I updated my travel arrangements to use the card 6 months ago. They told me to call back in XXXX by XX/XX/XXXX when my travel arrangement expires, if I was still going to be in the XXXX XXXX. Yes I am going to be here for at least another XXXX to XXXX  months. So I thought I would call early on XX/XX/XXXX I got someone a customer service representative after XXXX minutes. She asked me to identify myself as usual. Then, I told " XXXX '' that I wanted to update my travel arrangements although I didn't want to wait till XX/XX/XXXX. She said let me put you on a brief hold. About XXXX minutes later she came back and said " just give me a minute '' and put me on hold again for another XXXX minutes. And then nothing, no music, no noise, no " thanks for your patience ... '' Nothing after a total of about XXXX minutes so I hung up. This is wrong on so many levels I should not have to go through this. No retired person or XXXX person or XXXX and retired person should have to wait this long and be treated like this. I have another social security retirement check to be direct deposited mid XXXX I need to be able to have access to this and I shouldn't have to be treated like this with XXXX XXXX. A brief hold is not another XXXX minutes and then nothing. The phone conversation did not disconnect but I expected it to, and after waiting a total of XXXX minutes why would I hang on any longer to be once again disappointed. Gee whiz this is disgusting. I need to be able to call and have a customer service representative update my travel arrangement before XX/XX/XXXX so that when I get my direct deposit on or around the XXXX of XXXX I can still use my card in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NJ

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX  XXXX XXXX Date opened : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation