vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am demanding the immediate removal of a fraudulent and unlawfully reported collection account by Midland Credit Management, which appears on my XXXX credit report. 

This account violates multiple consumer protection laws and regulations : FDCPA 809 ( a ) No validation notice ever received. No itemization of the debt. No original contract. No proof of ownership. Without this, they can not legally report this account.

FDCPA 807 ( 2 ) ( A ) Falsely represents the account type as Open. I never opened a credit line with Midland. This is intentionally misleading.

FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate reporting of debt without contract, terms, or legal status. Lacking any proof, this entry is harming my credit unlawfully. 
CFPB Regulation F ( 12 CFR 1006.34 ) Midland has not provided the Model Validation Notice or itemization required before reporting.

Deceptive trade practices They are misrepresenting their legal right to collect on a debt without offering proof of assignment or ownership.

Potential licensing violations Midland is not licensed in my state to collect debts. They refuse to provide licensing.

MIDLAND has failed to provide the following : Original contract with my wet signature Full debt itemization Legal proof of assignment/sale Evidence of licensing in my state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I disputed multiple inaccurate accounts on my Experian credit report, yet Experian failed to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite my disputes, Experian continues to report inaccurate and misleading charge-offs, including accounts that have a {$0.00} balance but are still marked as charge-offs and transferred accounts that should no longer be reported.

I requested Experian to provide verification and supporting documentation proving the accuracy of these accounts, including how they were verified and what documentation was used, as required under 15 U.S.C. 1681i ( a ) ( 7 ). Experian failed to provide this information. Under the FCRA, any unverified information must be removed ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), yet Experian refuses to correct these errors. 

I am requesting that the CFPB hold Experian accountable for failing to properly investigate and require them to delete the disputed accounts immediately. If Experian can not provide tangible proof that these accounts are accurate, they are in violation of federal law and must remove them from my 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 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Subject : Complaint Against Avant , LLC for Predatory Lending and Consumer Protection Violations ( Loan ID : XXXX ) Dear CFPB, I am submitting a formal complaint against Avant , LLC regarding their fraudulent and predatory lending practices, violations of the Fair Debt Collection Practices Act ( FDCPA ), and failure to comply with federal consumer protection laws. 

Violations and Concerns Identified Violation of UCC 3-605 & 3-605 ( b ) Fraud and Misrepresentation Avant engaged in material misrepresentation and fraud in the inducement of my loan agreement.

The contract contains unfair terms and concealed obligations that were not fully disclosed at the time of signing.

FDCPA Violations Improper Debt Collection Practices Avant has continued collection efforts on a disputed and unverified debt, which may violate 15 U.S.C. 1692. 

Their actions include deceptive and misleading representations regarding loan terms and payment obligations. 

Unconscionable Interest Rate ( 35.94 % ) and Unfair Fees The APR of 35.94 % is excessive and predatory, potentially violating state usury laws and the Consumer Financial Protection Act ( CFPA ).

Avant also charged a {$440.00} administration fee, which unfairly reduced my loan principal, leading to misleading financial disclosures.

Undisclosed Security Interest The loan agreement suggests a security interest in the form of a Payment Authorization, but this was not properly disclosed before signing.

I demand clarification on the extent of this security interest and whether Avant has a claim on my assets.

Failure to Provide Cash Collateral Account Information Under federal and state consumer protection laws, I have the right to review all financial records related to my loan. 

Avant has failed to provide a detailed account statement for the cash collateral account associated with my loan. 

Requested Action from CFPB Given the fraudulent and deceptive practices of Avant, I am requesting the CFPB to : Investigate Avants lending and collection practices for violations of federal lending laws. Require Avant to provide a full accounting of my loan, including all fees and interest calculations. Determine whether Avants lending practices violate the Truth in Lending Act ( TILA ), FDCPA, and CFPA. Order Avant to cease collection efforts and provide full debt validation. 

I appreciate your attention to this serious matter. Please confirm receipt of my complaint and advise on the next steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DISCOVER BANK
State: TN

Complaint narrative:
I previously notified Discover Bank that I am a victim of identity theft and requested that they : Close the unauthorized account and take steps to remove information about this account from my credit files. Discover Bank is reporting this account inaccurately across multiple bureaus with different charged off dates. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history in which a charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations also a violation of the FCRA. 

I still have not received written confirmation of the requested actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately and removed from my credit reports. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletions of the following account : Discover Bank- account XXXX XXXX - amount {$3000.00} I really do not appreciate Discover Bank XXXX XXXX XXXX XXXX XXXX and XXXX doing what they please with my credit report as we know this causes me financial harm. You have a duty to report accurate information only and if its not accurate it must be deleted. Please send me the METHOD OF VERIFICATION regarding your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
XXXX XXXX Revolving with account # XXXX opened on XXXX and a balance of {$200.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

Also closed account for no valid reason

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 2025-03-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the re-adding of previously removed accounts on my credit report. These accounts were previously removed, and their reappearance violates provisions under the Fair Credit Reporting Act ( FCRA ). 
The specific accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Removed : late 2023 as these accounts were not shown untill 2months ago they were re-added illegally * Reason for Dispute : Accounts were previously removed, but are now being reported again without justification.

Under the FCRA, particularly Section 1681i ( the section governing procedures for handling disputed information ), I have the right to dispute inaccurate or incomplete information. If an account has been removed, there must be a valid, verifiable reason for its reappearance. Furthermore, under Section 1681e ( b ), you are required to ensure the maximum possible accuracy of the information you report, and the unauthorized re-reporting of previously removed accounts indicates a failure to maintain this standard. 
Given that these accounts were previously removed, and there is no valid or updated documentation to support their re-insertion, I am formally requesting the following : XXXX. Immediate removal of the accounts from my credit report.

2. Verification and documentation of any actions taken to re-add these accounts.

3. A copy of the updated credit report reflecting the correct status of my accounts once the dispute is resolved.

Please investigate this matter in accordance with Section 1681i ( a ) of the FCRA, which mandates that you conduct an investigation within 30 days of receiving this dispute. If you can not substantiate the re-adding of these accounts, I ask that you permanently remove them from my credit report.

Furthermore, under Section 1681g of the FCRA, I am requesting that you provide me with a copy of my updated credit report once the dispute is resolved and these accounts are removed.

I expect a timely resolution to this issue and a response within the 30-day window mandated by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TN

Complaint narrative:
Hello, I am reaching out regarding an issue with my automotive payments that have not been successfully processed. I initially had a payment scheduled for XXXX XXXX XXXX, but it did not go through, and I was subsequently put into deferment.

After noticing this, I attempted to make the payment manually, and on XXXX XXXX XXXX, I received a confirmation email. However, the payment did not go through. I then attempted again on XXXX XXXX XXXX, and once more on XXXX XXXX XXXX but all of these payments remain pending and have not been processed. 

Additionally, I have set up autopay for next month, but given these ongoing issues, I am concerned about whether it will go through as expected. I would appreciate your assistance in resolving this matter as soon as possible and ensuring that my payments are processed correctly moving forward. 

Please let me know what steps need to be taken to rectify this situation. I appreciate your prompt attention to this issue. 

Best regards, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-25 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: IL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-03-25 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: CA

Complaint narrative:
I found out last year i was yet again a victim of identity theft, i filed a police report and a fraud affidavit. The bureaus said that they would block the accounts within 4 days

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX had a balance on my credit report. I had XXXX XXXXXXXX XXXX which was under warranty but got burnt under 5 years warranty. Now they told me to pay the balance. They XXXX told me to send certain documents which I did sent in regards to when the incident happened. Document I sent includes letter from Police showing the fire incident. Because the balance has been on my credit report, and XXXX sent it to a debtor collector, I decided to pay off the balance as attached so I can clear my credit for now and then follow up with XXXX XXXX on the warranty issue. Now XXXX XXXX sent the same amount to another company called 'Radius Global Solutions Inc - phone number : XXXX ' I called XXXX XXXX and they keep sending me to the debt collector and refused to close the account.

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, Equifax, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

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