vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Acct # XXXX XXXX, XXXX & XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a formal dispute of the alleged debt and a request for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am entitled to request and receive proper validation of a debt you claim I owe. Please be advised that a generic billing statement or a printout of an account summary does not meet the standard of validation as outlined by law. You are required to provide the following documentation : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed contract or agreement bearing my signature.

2. A full itemized breakdown of the debt you allege I owe, including original balance, interest, fees, and any other charges.

3. Evidence that Midland Credit Management ( MCM ) has legal standing to collect on this debt, such as a valid assignment or purchase agreement from the original creditor.

4. A complete payment and transaction history for the account in question.

5. The name and contact information of the original creditor to whom the debt was initially owed. 

Until and unless you provide the above requested documentation, I do not acknowledge any liability for this debt and request that you immediately cease all forms of communication with me, including but not limited to telephone calls, written correspondence, emails, and text messages. 

Please also be advised that reporting this account to any credit bureau constitutes a form of communication under 15 U.S.C. 1692c, and continued reporting of a disputed and unvalidated debt may be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. If this account has already been reported, I demand that it be marked as disputed in accordance with 1692e ( 8 ) and 1681s-2 ( a ) ( 3 ). Failure to comply may result in further action to protect my rights.

If you are unable to provide the requested validation, I respectfully request that you remove this item from all consumer reporting agencies and confirm in writing that no further collection efforts will be made. 

All further communications must be in writing and mailed to the address listed on file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC ACCT # XXXX LVNV FUNDING LLC ACCT # XXXX LVNV FUNDING LLC ACCT # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a formal dispute of the alleged debt and a request for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Under the FDCPA, I am entitled to request and receive proper validation of a debt you claim I owe. Please be advised that a generic billing statement or a printout of an account summary does not meet the standard of validation as outlined by law. You are required to provide the following documentation : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed contract or agreement bearing my signature.

2. A full itemized breakdown of the debt you allege I owe, including original balance, interest, fees, and any other charges.

3. Evidence that LVNV Funding LLC has legal standing to collect on this debt, such as a valid assignment or purchase agreement from the original creditor.

4. A complete payment and transaction history for the account in question.

5. The name and contact information of the original creditor to whom the debt was initially owed. 

Until and unless you provide the above requested documentation, I do not acknowledge any liability for this debt and request that you immediately cease all forms of communication with me, including but not limited to telephone calls, written correspondence, emails, and text messages. 

Please also be advised that reporting this account to any credit bureau constitutes a form of communication under 15 U.S.C. 1692c, and continued reporting of a disputed and unvalidated debt may be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. If this account has already been reported, I demand that it be marked as disputed in accordance with 1692e ( 8 ) and 1681s-2 ( a ) ( 3 ). Failure to comply may result in further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: DC

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 explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Someone showed up at my house mid day on a Sunday and handed me a packet which ended up being a court summons from a Gurstel Law Firm I have never received any mail or calls from them in the past. Very odd for this bombshell to be dropped on me so unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account opened with XXXX XXXX XXXX on XX/XX/XXXX Hard Inquiries XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally address an issue I have encountered with my account at Navy Federal Credit Union 's Name. Specifically, I believe I have been overcharged with overdraft fees from XX/XX/XXXX until XX/XX/XXXX. 

Over this period, I noticed multiple overdraft charges that I believe were assessed incorrectly. I have reviewed my transaction history and account statements, and I would like to request a detailed breakdown of these fees for my records. 


Please let me know if you require any additional information from my end to facilitate this review. I look forward to your prompt response to this issue. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a
consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 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: CA

Complaint narrative:
I recently reviewed my annual credit report and was surprised to see a late payment show history. I have a perfect record of paying on time. I would like to remain a active customer of XXXX and will be happy to do so as soon as we get this matter cleared up. I refer friends and family to you all the time for your services. I kindly ask for this erroneous late payment to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my annual credit report and was surprised to see a late payment show history. I have a perfect record of paying on time. I would like to remain a active customer of XXXX and will be happy to do so as soon as we get this matter cleared up. I refer friends and family to you all the time for your services. I kindly ask for this erroneous late payment to be deleted from my credit report.

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 2025-04-08 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: NY

Complaint narrative:
I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I hope you know that I take my credit seriously and Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious. Hope you can address this soon to prevent further damage, please.

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 2025-04-08 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: TX

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX or more credit reporting agencies and/or data furnishers. 

Despite my formal disputes regarding inaccurate or unverifiable information on my credit report, the credit reporting agencies have failed to correct or remove the disputed items within the legally required timeframe. This failure directly violates my rights under the FCRA, which mandates that consumer reporting agencies must conduct a reasonable investigation and remove or correct any information that is found to be inaccurate or can not be verified. 

Additionally, I believe that the credit reporting agencies are not fulfilling their legal obligations to ensure the maximum possible accuracy of the information contained in my credit file, as required under 15 U.S.C. 1681e ( b ).

These inaccuracies are negatively impacting my creditworthiness and ability to obtain credit, housing, and other services. I respectfully request the CFPB to investigate this matter and take appropriate action to ensure compliance with federal law. 

I have attached documentation to support my claims, including copies of dispute letters, responses ( or lack thereof ), and relevant credit report entries. 

Thank you for your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
Im a victim of the XXXX data breach. this unauthorized account has reappeared on my credit report. 
XXXX XXXX XXXX XXXX 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 2025-04-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the three credit bureaus on yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act.

Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX. I have no knowledge of missing or delaying any payments for this account and request a reinvestigation. If the late mark can not be verified with proper documentation, I respectfully request its correction from my credit report. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am disputing the accuracy of the late payments reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These delinquencies do not align with my payment history. Please conduct a reinvestigation and provide verification. If the information can not be substantiated, I request immediate correction in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Late 30 Days I am disputing the reported late payment for XX/XX/XXXX on this account. I believe this reporting is inaccurate and XXXX have resulted from an administrative error or delay in processing. I respectfully request a reinvestigation and verification of the payment history. If the late payment can not be verified with supporting documentation, I ask that it be updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Payment Status : Current I am requesting a reinvestigation of this account, as there appears to be inaccurate or outdated information reporting. While the account status is current, I would like to ensure that all reporting details, including payment history and balance updates, are accurate and verifiable. Please validate all information and correct any inaccuracies as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the three credit bureaus on yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act.

Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX. I have no knowledge of missing or delaying any payments for this account and request a reinvestigation. If the late mark can not be verified with proper documentation, I respectfully request its correction from my credit report. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am disputing the accuracy of the late payments reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These delinquencies do not align with my payment history. Please conduct a reinvestigation and provide verification. If the information can not be substantiated, I request immediate correction in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Late 30 Days I am disputing the reported late payment for XX/XX/XXXX on this account. I believe this reporting is inaccurate and XXXX have resulted from an administrative error or delay in processing. I respectfully request a reinvestigation and verification of the payment history. If the late payment can not be verified with supporting documentation, I ask that it be updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Payment Status : Current I am requesting a reinvestigation of this account, as there appears to be inaccurate or outdated information reporting. While the account status is current, I would like to ensure that all reporting details, including payment history and balance updates, are accurate and verifiable. Please validate all information and correct any inaccuracies as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-08 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: DC

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 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account opened with XXXX XXXX XXXX on XX/XX/XXXX Hard Inquiries XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX

Company response to consumer: Closed with explanation