vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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:
I am submitting this as a follow-up to my original complaint regarding XXXX XXXX XXXX XXXX In that complaint, I made a lawful request for validation of the account in question. Specifically, I asked the company to provide a copy of the original contract bearing my wet signature or a valid electronic signature. This is a right granted to me under both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ).

Rather than providing the documentation or verifying the debt as required by law, the company responded by sending me a cease and desist letter. I believe this was intended to intimidate me and deter me from asserting my consumer rights.

This response appears to be retaliatory in nature and may violate consumer protection statutes that prohibit unfair and deceptive practices. The companys response fails to address the original dispute and instead attempts to suppress a lawful inquiry using legal threats. 

I respectfully request the CFPB to take note of this behavior, as it undermines the spirit of consumer protection laws and discourages individuals from exercising their legal rights. The account from XXXX XXXX XXXX is not verifiable and should be removed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Please investigate and delete this item if it can not be verified within 30 days, as required by law. 


Thank you for your time and assistance in 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 2025-04-26 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: OH

Complaint narrative:
I am submitting this as a follow-up to my original complaint regarding XXXX XXXX XXXX XXXX In that complaint, I made a lawful request for validation of the account in question. Specifically, I asked the company to provide a copy of the original contract bearing my wet signature or a valid electronic signature. This is a right granted to me under both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ).

Rather than providing the documentation or verifying the debt as required by law, the company responded by sending me a cease and desist letter. I believe this was intended to intimidate me and deter me from asserting my consumer rights. 

This response appears to be retaliatory in nature and may violate consumer protection statutes that prohibit unfair and deceptive practices. The companys response fails to address the original dispute and instead attempts to suppress a lawful inquiry using legal threats.

I respectfully request the CFPB to take note of this behavior, as it undermines the spirit of consumer protection laws and discourages individuals from exercising their legal rights. The account from XXXX XXXX XXXX is not verifiable and should be removed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Please investigate and delete this item if it can not be verified within 30 days, as required by law. 


Thank you for your time and assistance in 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 explanation
Consumer complaint received 2025-04-25 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: IN

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and potentially state consumer protection laws. 

On or around XX/XX/year>, I received a letter from Midland Credit Management threatening to take legal action unless I paid an alleged debt. The letter is misleading and deceptive for the following reasons : Threats of Legal Action Without Intention to Act : The letter threatens to sue, implying immediate legal action, despite there being no evidence that Midland had the present intention or legal authority to proceed at the time.

Failure to Verify the Debt : Midland has not provided any legally sufficient validation of the alleged debt as required by 15 U.S.C. 1692g. 
No original creditor contract, itemized billing statement, or chain of title proving Midlands lawful ownership of the alleged debt was included. 
Misleading Representations : The letter contains language that confuses the consumer about their rights and the status of the debt, violating FDCPA 1692e ( false, deceptive, or misleading representation ).

Potential Reporting to Credit Bureaus : If Midland has or intends to report this unverifiable account to the credit bureaus, it would constitute a violation of FCRA 623 and 807 by furnishing inaccurate or incomplete information. 
Emotional and Financial Distress : The threatening nature of the letter caused unnecessary stress, financial pressure, and emotional harm. 
Further demand is hereby made for the full and complete accounting of the alleged account according to Generally Accepted Accounting Principles ( GAAP ), including but not limited to detailed ledgers of all charges, payments, interest, fees, and adjustments from the interception of the alleged obligation to the present. Failure to produce a complete GAAP- compliant accounting within the statutory validation period will be treated as an administration that no lawful debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Based on the information available that we received from the XXXX XXXX XXXX : There is a " XXXX XXXX '' listed as financial advisors within XXXX XXXX XXXXXXXX XXXX, which is part of Bank of America XXXX XXXX XXXX XXXX  is mentioned in connection with Bank of America XXXX, having previously served as XXXX XXXX XXXX XXXX there. He later became XXXX of XXXX XXXX in XX/XX/year>. 
Therefore, based solely on the provided context, it's very possible to definitively state who XXXX XXXX of BofA XXXX XXXX XXXX XXXX XXXX is and what his current role within that specific time the entity is now, he has held senior roles at XXXX XXXX and Bank of America XXXX in the past.His name is involved in the transition of our Property to XXXX 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 2025-04-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: OK

Complaint narrative:
I am writing to formally file a complaint against MOHELA regarding the negative impact on my credit score due to student loan payments I was unaware had resumed. Like many other borrowers, my student loans were placed in administrative forbearance under the previous presidential administration. At some point during the change in administration to XXXX XXXX, the forbearance on my loans was lifted, but I was not properly notified or contacted about this change. 
As a result, I unknowingly missed payments beginning in XX/XX/XXXX. I was only made aware of this issue on XX/XX/XXXX, when I was informed by a loan officer during the early stages of applying for a home loan that my credit score had dropped drastically. My score went from XXXX to XXXX due to the reported missed payments. This decrease of over XXXX points has severely jeopardized my ability to move forward with purchasing a home. 
Upon learning of this, I immediately accessed my MOHELA account for the first time in over XXXX years and had to reset my password. I promptly submitted a payment of {$1600.00} to cover all outstanding principal and interest owed. I take full responsibility for my loans, but this situation could have been avoided if adequate communication had occurred when repayment resumed. Given the significant harm done to my credit profile through no deliberate fault of my own I am requesting that MOHELA update or remove the negative marks reported to credit bureaus during this period. 
This is an extremely important step for me as I work toward purchasing my first home and building a strong foundation as a responsible adult. I respectfully ask for consideration and forgiveness regarding the reporting of these missed payments and the corresponding credit score damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX - Declined XXXX XXXX XX/XX/year> XXXX - Declined I called the gift card company and asked about any work around to use the card and they said find a place that doesn't ask for a zip code. EVERYWHERE ASKS FOR THE BILLING ADDRESS.... so you literally cant use it anywhere. So now I have a XXXX gift card from my apartment complex that I can not use. 

This is for American Express. Selected from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-27 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: NC

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 explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I am filing this complaint regarding a significant and unjustified drop in my credit score reported by TransUnion. On XX/XX/year>, I contacted TransUnion to inquire about a sudden XXXX decrease in my credit score. The representative I spoke with only referenced an old debt on my report but failed to provide a clear or satisfactory explanation for the drastic decline. 

To better understand the situation, I reviewed third-party credit monitoring services, including XXXX ( through my bank ) and XXXX XXXX XXXX Based on my findings, the only notable change was a {$28.00} increase in my student loan interesta minor adjustment that should not warrant such a severe score reduction. 

I am deeply frustrated and concerned by this discrepancy. I have worked diligently to improve my financial health by making on-time payments, responsibly managing credit cards, and actively seeking to enhance my credit profile. The lack of transparency from TransUnion regarding the calculation of my FICO score is alarming. A XXXX drop over a negligible {$28.00} increase in interest is unreasonable and raises serious questions about the fairness and accuracy of their scoring methods. 

Furthermore, I suspect potential systemic issues in how TransUnion evaluates consumer credit. This is not the first time I have experienced unexplained and drastic score fluctuations with their reporting. I believe an investigation into their customer support practices and credit scoring methodology is warranted. 

* * I respectfully request the following : * * XXXX. A detailed explanation for the XXXX credit score drop on XX/XX/year>. 
2. A thorough investigation into TransUnions customer support and credit scoring practices to ensure compliance with fair and accurate reporting standards. 

This situation has left me feeling targeted and financially disadvantaged. I urge the CFPB to hold TransUnion accountable and ensure I myself the consumer as well as others are treated fairly. Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged debt that I do not owe. I have no contractual relationship with this company, and I never authorized them to possess or use my personal information. Despite this, they have contacted me and are threatening attorney review and potential litigation regarding an invalid debt. 

Furthermore, I formally notified XXXX XXXX XXXX XXXX XXXX in writing that I dispute the debt, and I demanded that they immediately cease collection activity and not report this invalid account to any credit reporting agencies. I made it clear that this debt is unauthorized, invalid, and unenforceable. 

Despite my clear instructions and the protections afforded to me under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX continues to pursue collection activity and/or threatens credit reporting. 

Details : XXXX XXXX XXXX has no valid contract with me. 
They obtained and are using my personal information without my consent. 
They are attempting to collect a debt without proper validation or authorization. 
I have formally demanded they cease all collection efforts and not report any information to credit bureaus. 
Continued collection efforts or reporting would be in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Complaint Regarding Unlawful Reporting of Collection and Charge-Off Account by XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXX  and any third-party debt XXXX associated with reporting a charged-off account and/or collections on my consumer credit reports in a manner I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account in Question : * Creditor Name : XXXX XXXX * Original Account Number ( last XXXX digits ) : XXXX * Date of Charge-Off/Collection : XX/XX/year> * Credit Reporting Agencies Impacted : XXXX XXXX XXXX  Alleged XXXX : XXXX. Failure to Provide Accurate and Verifiable Information ( FCRA, 15 U.S. Code 1681i & 1681s-2 ) Under the FCRA, XXXX of information ( including XXXX XXXX  ) must ensure the accuracy and completeness of any information they report to consumer reporting agencies. I have disputed this account directly with the credit bureaus, and no verifiable documentation was provided. Continuing to report unverifiable, outdated, or inaccurate information is a clear violation of 1681s-2 ( b ). 
XXXX. Re-Aging of Debt ( FCRA Violation ) If the date of first delinquency has been altered to make the debt appear more recent than it is, this constitutes re-aginga deceptive practice that violates FCRA reporting rules, particularly the seven-year reporting limit under 1681c ( a ) ( 4 ).

3. Failure to Validate the Debt ( FDCPA, 15 U.S. Code 1692g ) If this debt has been placed with or sold to a third-party collector, I have the right to request a full validation of the debt. If such request was ignored or incomplete, the debt should not be reported or collected upon. 
XXXX. Continued Reporting of a Charged-Off Account with a Balance ( FCRA & FDCPA ) A charged-off account should not continue to accrue interest or reflect an active balance if sold to another entity. Any such reporting is misleading and constitutes inaccurate representation under both FCRA and FDCPA provisions. 

Requested Action : I respectfully request that the CFPB investigate these matters and instruct XXXX XXXX and any associated data furnishers to : * Remove the XXXX XXXX account from all consumer credit reports. 
* Cease and desist from further reporting or collecting on this debt unless full validation is provided and all FCRA/FDCPA requirements are met. 
* Provide written confirmation of the results of your investigation. 
Please consider this a formal complaint and request for relief. I have attached supporting documents, including my credit reports and previous dispute attempts. 
Thank you for your attention and for helping to ensure that creditors and XXXX adhere to consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation