vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
My problem is with Midland Credit Management. I owed money to a credit card company and was paying the debt as agreed with them during Covid. They sold the debt to Midland Credit Management who immediately contacted my payroll department and that is how I became aware of it. I then received a letter saying they would garnish or sue me unless I paid in full or agreed to payments over 5 years for the entire amount owed-which was more than I owed to the credit card company. I entered into an automatic payment agreement for 5 years to avoid possible loss of job since negative financial issues affect my employment and credit. When I researched midland credit I learned that they use these tactics when they buy debt for cheap and then collect full amount owed even if they didnt buy debt for that amount. I feel bamboozled and powerless to do anything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am writing to formally dispute an inaccurate account currently appearing on my credit report : Creditor Name : XXXX ( XXXX ) Status : Charged-Off Balance : {$0.00} Date Added Back : XX/XX/XXXX This account had previously been deleted from all three credit bureaus after a successful dispute and a written confirmation from XXXX XXXX XXXX XXXX who had purchased the debt. That letter stated the account was closed, and I had no further obligation or liability. 

However, it was reinserted in XX/XX/XXXX by XXXX, without my authorization or notification. I was not provided with the required notice within five business days, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( ii ).

Additionally, this account is reporting under an outdated address I havent lived at since XXXX, which is not tied to my current credit file or legal identity. I believe the use of this incorrect address contributed to the inaccurate verification and reinsertion of this debt

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate account currently appearing on my credit report : Creditor Name : XXXX ( XXXX ) Status : Charged-Off Balance : {$0.00} Date Added Back : XX/XX/XXXX This account had previously been deleted from all three credit bureaus after a successful dispute and a written confirmation from XXXX XXXX XXXX XXXX who had purchased the debt. That letter stated the account was closed, and I had no further obligation or liability. 

However, it was reinserted in XX/XX/XXXX by XXXX, without my authorization or notification. I was not provided with the required notice within five business days, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( ii ).

Additionally, this account is reporting under an outdated address I havent lived at since XXXX, which is not tied to my current credit file or legal identity. I believe the use of this incorrect address contributed to the inaccurate verification and reinsertion of this debt

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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Continuation of Case : XXXX It can not be Closed because it was not Resolved. My truck XXXX XXXX was returned to me in Texas on XX/XX/XXXX but without plates. Inspection and registration was removed from the truck as well. My belongings remain in New York where I have the Title there. 

The letter they sent reflects that I continue to be requested to pay : {$6900.00} dollars when I already paid that amount. That amount is the exact mileage from XXXX in Alaska to XXXX in XXXX. I also paid this months and last months loan amount : {$2600.00}. I believe my payments are amounting to nothing and any discussion further depletes me of my rights. 

Texas XXXX wont process the XXXX XXXX vehicle without Texas insurance, vehicle title, vehicle registration and loan payments up to date. So I am in a loop where I have the truck, I can not use the truck, I can not find employment otherwise, my cellphone feels in-housed, and no amount of complaints have helped resolve the issue. 

The company continues calling requesting for money. Repeating words : Lack of Payment, Monitored, Satisfy Payment, and Deliquency. Again the agents who put on an intimate bedroom tone of voice and its really upsetting. Their voices are XXXX and I find other races so repulsive. Im sorry I am XXXX but its like they are intentionally putting on this act to annoy and trigger far beyond a business exchange. 

These dont feel like Bank of America employees but government agents like ICE or Space Force or Police Department Law Enforcement attempting to make me feel like a delinquent and forcing out negative information about my character and then translating it into matters of criminal related topics. 

I have been insinuated that I am under-armor which means I carry a hidden technology when it was the government that supplied me lithium and radioactive elements in the hospital to XXXX  enable me XXXX and then proceeded to remove my children from me and remote operated me to seem unwell. The attacks have been continuous and daily. They are also harassing because I wont stop talking about it and sharing my story on this issue. I am receiving multiple types of threats not only from the under-tone of Bank of America XXXX 

The truck is parked and I can not use it. Changes were done to it. Including XXXX new XXXX fuse boxes that were not there before. I feel I am being exploited, harassed and humiliated. In an effort to neutralize me or destroy me. This is not only about Bank of America but about crimes done by our very government that they want to silence. 

I have attempted to hire an attorney and I have attempted to resolve by other means, the result always being the same. I am repeatedly accused of fraud when I am not a 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 monetary relief
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was surprised to find a late payment listedI request a review and its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX'I sent a certified letter to Equifax on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX   at XXXX XXXX in XXXX, GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXXaccount # XXXX)\nMY XXXX XXXX XXXX (account # XXXX)\n\n\nEquifax failed to respond. I sent another letter on XXXX  which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
You have repeatedly and illegally changed the dates on credit reports. You have just recently updated them again. You update the dates every month. This makes it seem like the report is new, it is not. You are providing false information to the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent collection account for {$310.00} from XXXX XXXX XXXX XXXX, originally from XXXX XXXXXXXX. This account was opened on XX/XX/scrub> 2025, and is now reported as derogatory. 

I did not authorize or open this account, and I believe it was opened using my personal information fraudulently. 

I have also identified multiple unauthorized hard inquiries on my credit report : XXXX  XXXX XXXX XXXX ( XX/XX/scrub>/2025 ) XXXX  XXXX ( XX/XX/year>2025 ) XXXX XXXX XXXX ( XX/XX/year>2025 ) XXXX XXXX XXXX XXXX XX/XX/year>2025 ) XXXX XXXX XXXX  ( XX/XX/year>2025 ) These inquiries and the collection account are the result of identity theft. 

I have attached my identity theft affidavit, supporting documentation, and dispute letters. I request that these items be deleted from my credit profile under the Fair Credit Reporting Act and FDCPA.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> Transworld System Inc XXXX XXXX XXXX XXXX XXXX  pa XXXX RE : Unauthorized Credit Reporting and Request for Debt Validation Account Number : XXXX To Whom It May Concern, I recently checked my credit report and discovered that your company has reported an account in my name without first notifying me, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting immediate validation of this debt, as I do not recognize it and have received no prior communication from your office.

Please provide the following : 1. The name and address of the original creditor ; 2. A copy of the original signed agreement or contract ; 3. A full account history showing how the amount was calculated ; 4. Proof that your agency is authorized to collect debts in my state ; 5. Documentation proving your right to collect this debt ; 6. Verification that this account is accurate, complete, and legally enforceable.

Until the above is provided, I demand that you : Cease all collection activity, Delete or mark the account as disputed with all credit bureaus ( XXXX XXXX XXXX XXXX, and Refrain from any further reporting of this account until validation is complete. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider legal action for damages under the FDCPA and Fair Credit Reporting Act ( FCRA ). 

This letter is a formal dispute. Please respond within 30 days. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I disputed ( made a claim ) unauthorized charges to my account for {$1300.00}. Chase bank denied my claim on XX/XX/year>. I called in on XX/XX/year> and spoke to XXXX different people who told me if i uploaded my transaction history to crown coin merchant showing i didnt make those charges and a copy of my apple wallet also showing I didnt make those charges it would be reopened and i would receive my money. Well on XX/XX/year> I still didnt have my money back, so I called Chase again and they told me my claim had also been denied even though I uploaded the exact document they requested showing I did not make those purchases. I want my money back. those were unauthorized charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraudulent account on mycreditreport. 
1XXXX 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 2025-07-24 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report. I have submitted multiple disputes concerning inaccurate and/or unverifiable accounts, yet Experian continues to report them as " verified '' without providing any meaningful investigation or supporting documentation.

Despite my repeated requests, Experian has not provided verification of the debt, the original signed contract, or a breakdown of how the amounts were calculated. This lack of transparency and failure to properly investigate violates my rights under federal law.

Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian citing systemic failuressuch as neglecting to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These issues directly mirror my experience.

Experians ongoing noncompliance is causing significant harm to my credit and financial well-being. I am requesting immediate corrective action to remove or amend the disputed accounts in accordance with the FCRA and my rights as a consumer.

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