vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against CENTRAL PORTFOLIO CONTROL for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file.

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by CENTRAL PORTFOLIO CONTROL Despite my written request, CENTRAL PORTFOLIO CONTROL failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate. 

Until such validation is provided, no collection activity or credit reporting is permitted by law. 

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) CENTRAL PORTFOLIO CONTROL is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA.

When I disputed the account with both CENTRAL PORTFOLIO CONTROL and the credit reporting agencies, CENTRAL PORTFOLIO CONTROL failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) CENTRAL PORTFOLIO CONTROL has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy. 

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA.

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) CENTRAL PORTFOLIO CONTROL is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding the reporting and collection of a charged-off account. The account ( XXXX XXXX, Account # XXXX ) is being reported as a charge-off with a balance due on my TransUnion credit report. 

According to IRS regulations, if a creditor writes off a debt and claims a tax benefit for the loss, they are required to issue the consumer a Form 1099-C. I have not received any such documentation. At the same time, I am currently making monthly payments to an attorney/collection agency on this debt, which raises concerns about double collection or deceptive practices. 

On XX/XX/year>, I emailed the law firm collecting on behalf of XXXX XXXX and requested either a copy of Form 1099-C or confirmation that no such form had been filed. Instead of responding substantively, they replied with a generic message stating : " You have contacted this office with respect to your account. For further assistance, please contact our Consumer Services Department at XXXX or toll free at XXXX. '' As of XX/XX/year>, no relevant documentation or validation of the debt has been provided. I have followed up by sending a formal FDCPA-based debt validation request via certified mail. 

In addition to the ongoing collection efforts, I was threatened with a lawsuit and told I would be taken to court in XXXX XXXX, Florida. This threat was the primary reason I entered into the current payment plan with the attorney/collector. At the time, I had not received a 1099-C, nor had I been provided any documentation validating the debt. I was unaware that the debt may have already been charged off and potentially deducted for tax purposes. I believe the threat of legal action was used to pressure me into agreeing to a payment plan under false or incomplete information. 

The reporting of a charged-off debt with a balance dueif the creditor received tax reliefmay be both inaccurate under the Fair Credit Reporting Act ( FCRA ) and deceptive under the Consumer Financial Protection Bureaus standards. I am requesting a full investigation into the reporting and collection practices involved. 


Attachments to be included with this complaint : - Screenshot of the XXXX XXXX charge-off report from XXXX. 
- Copy of my email to the attorney/collector dated XX/XX/year>. 
- Screenshot of their email reply. 
- Certified Debt Validation Request Letter ( attached separately ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this formal complaint against MIDLAND CREDIT MANAGEMENT INC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file.

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being
reported and collected by MIDLAND CREDIT MANAGEMENT INC Despite my written request, MIDLAND CREDIT MANAGEMENT INC failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate. 

Until such validation is provided, no collection activity or credit reporting is permitted by law. 

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) MIDLAND CREDIT MANAGEMENT INC is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA.

When I disputed the account with both MIDLAND CREDIT MANAGEMENT INC and the credit reporting agencies , MIDLAND CREDIT MANAGEMENT INC failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) MIDLAND CREDIT MANAGEMENT INC has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy.

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA.

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) MIDLAND CREDIT MANAGEMENT INC is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
XXXX XXXX XXXX over a year ago requested a reduced settlement offer with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : URGENT LEGAL NOTICE Failure to Investigate Disputed Bankruptcy ( Ref : XXXX ) RE : Notice of Intent to File Civil Suit for FCRA Violation To Whom It XXXX Concern, This letter is formal notice that I am disputing the inclusion of a XXXX  XXXX bankruptcy ( Reference # : XXXX ) currently reported on my Experian credit report. This bankruptcy is allegedly from US Bankruptcy Court GA XXXX, but I have confirmed that no such bankruptcy exists under my name, and XXXX has no record of any bankruptcy filing for me. 

Additionally, XXXX  is not a legally valid verification method under the Fair Credit Reporting Act ( FCRA ), as it does not constitute direct verification from the original furnisher of the information. Merely copying information from a third-party public database without directly confirming the accuracy of that information fails to meet the FCRAs requirement for a reasonable investigation. 

Your failure to properly verify this bankruptcyespecially after being notified of the erroris a serious violation of the FCRA, specifically : 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy You are hereby given 15 days from the date of this letter to delete this inaccurate and unverified bankruptcy from my credit report and to send me written confirmation of the deletion.

If this inaccurate information is not removed, I will proceed with legal action for willful noncompliance with federal consumer protection laws. I will seek actual damages, statutory damages, legal fees, and punitive damages in accordance with my rights under the FCRA. 

This is your final notice before legal proceedings commence. 

Sincerely, 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out because I found incorrect information on my credit report that absolutely does not belong there and I need it fixed right away.

Specifically, theres an account showing up that I dont recognize at all. Ive never opened it, never authorized it, and I have zero ties to it. This is not my account, and I shouldnt have to deal with the consequences of someone elses error ( or worse, fraud ).

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a fraud transaction and Capitol One canceled the virtual card and reissued a new one. It appeared on my phone app but not on my online account. Told to wait XXXX hours. I was given a number to technical. I explained that the virtual card never appeared online and also, the phone app it disappeared. The XXXX XXXX ID # XXXX told me it could be a day, week, month that there is no specific date and to take a screenshot but again, it disappeared both phone and online laptop shows no virtual card. She recommended I write it down and carry it with me. That is the most ridiculous answer I have ever received. Several months ago, I was experiencing fraud every few days. Security spent a month working on me because they had to cancel and reissue 4 times before the account was secured. 

The fraud case I just got was using the virtual card that was canceled XX/XX/XXXX and then again canceled again on XX/XX/XXXX. 

No matter who I try to escalate they give you the incomplete answer. I attempted to call Capitol One XXXX XXXX XXXX at XXXX. It refers back to the normal center who can not give me specific information on how long before it appears. Writing down on a piece of paper is laughable.

Fraud is out of control and there should be corporate policy for handling a situation. I have been a customer since XXXX and XXXX cant believe you cant reach an executive that can answer correctly or determine their policy needs change and possible training of representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is reporting incorrect information and I request that it be investigated and removed from my credit file as it is affecting my report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
Prestige Financials, account number XXXX, is attempting to collect on an amount greater than what should be collected. They are also providing false information to the credit reporting agencies regarding date of last payment in order to pursue collection efforts longer than allowed. The last payment made on this account was in XXXX of XXXX from the sale of the vehicle at auction. They have reported a payment was made on XX/XX/XXXX, which is not true. They have also listed this account as a charge off for 3 consecutive months in XXXX of XXXX, which is factually incorrect and misleading. There are two balances being reported as well, one being {$17000.00} past due, and the other, {$14000.00} written/charged off. The balance reported as both past due and charged off appears inconsistent and possibly duplicated. The charge-off reporting for three consecutive months indicates errors in the way the account status is being updated. I am requesting a full validation of this debt, and I request it be verified in accordance with the FCRA. Please provide me with the proper documentation of the correct amount owed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, my information was leaked into the dark web. Since then, I have been a victim of fraudulent charges to my existing accounts and to fraudulently opened accounts. On XX/XX/year>, I hired XXXX XXXX to assist me during this difficult time. On my behalf, XXXX XXXX and myself have made several phone calls and have mailed letters to dispute the validity of these accounts to limited, if no avail. A lawsuit has been filed against me by Bank of America represented by XXXX XXXX XXXX and XXXX XXXX in NY, for those fraudulent charges which I am also disputing. Neither the attorneys nor Bank of America have submitted any debt validation documents or have replied to several letters requesting more 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: PA

Complaint narrative:
F.H Cann is still attempting to collect a debt that was resolved through the department of education. Reports negatively on my credit.

Company response to consumer: Closed with explanation