vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for inaccurate and duplicate reporting of the same account under multiple tradelines ( MIDLAND CRED and MIDLANDCRE ). 
It has been over 60 days since I requested debt validation, and no proof of ownership, assignment, or itemized balance has been provided. The company continues to report two separate accounts with identical balances and open/closed statuses, which violates FCRA 623 ( a ) and XXXX guidelines requiring only one accurate record per debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX  MN XXXX RE : FORMAL DEBT VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g ( b ) To Whom It May Concern, This letter is being sent in response to your recent communication regarding an alleged debt you claim I owe. Be advised that this is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am demanding full and complete validation of this alleged debt. 

Until you provide all documentation listed below, you must immediately cease all collection activity, including calls, letters, and credit reporting. Failure to do so will constitute a direct violation of federal law. 

I require the following : 1. Proof that Jefferson Capital Systems , LLC is the legal owner or assignee of the alleged debt, including a complete chain of assignment from the original creditor.

2. A copy of the original signed agreement or contract bearing my signature that created this alleged obligation.

3. A complete accounting of the alleged balance, including principal, interest, fees, and all other charges, with dates and explanations.

4. The name and address of the original creditor, and the date the alleged account was opened and charged off.

5. Proof of your authorization and license to collect debts in my state.

6. Documentation showing that the statute of limitations has not expired. 

If you fail to produce this information within 30 days of receipt of this letter, or if you continue collection or credit reporting activity without proper validation, I will view that as a willful violation of the FDCPA and FCRA. Such violations will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General. I also reserve the right to pursue civil action for damages, attorney fees, and court costs as permitted under 15 U.S.C. 1692k.

Be advised that I am keeping detailed records of all correspondence and communication regarding this matter. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Other Identity Theft Other Identity Theft Other Identity Theft Other Identity Theft Company or Organization : Company or Organization : Company or Organization : Company or Organization : XXXX XXXX XXXX Account Number : Account Number : Account Number : Account Number : XXXX Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/year> {$14000.00} I am writing to dispute account number XXXXXXXX XXXX XXXX XXXX XXXX  which was opened fraudulently in my name without my authorization.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint against TD Bank regarding its failure to honor the terms of a promotional cash bonus that was promised a {$500.00} cash bonus upon opening and complying certain transactions of a new account. The following information describes the bash bonus requirements : 1. To qualify for the {$500.00} Cash Back Offer, you must open a new TD Business Checking account. Business Simple Checking, Business Convenience Checking Plus, Business Interest Checking Plus or Business Premier Checking products are eligible. The criteria below must also be met : a. Deposit a minimum of {$2500.00} within the first 25 days and maintain at least a {$2500.00} balance for 90 additional days from the XXXX day after account opening. 

b. Conduct 25 qualifying transactions across the first 3 statement cycles. Your eligible transactions include ACH debits/credits, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, incoming/outgoing wires, checks paid, Small Business XXXX transactions XXXX XXXX XXXX Debit card transactions XXXX XXXX XXXX remote deposits XXXX and settlement transactions for TD Online Accounting or Tap-to-Pay on XXXX payments received. 

2. After you have completed the requirements outlined above, well deposit the bonus in your new account on or before 180 days after account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing. 

I have fully satisfied all the required terms listed above and am therefore entitled to the {$500.00} cash bonus as promised. Throughout the entire months of XXXX through XX/XX/year>, my account has been kept open and in good standing for the required 3 statement cycles. Despite completing these requirements, the bank has failed to deposit the promised bonus into my account. I have contacted TD Bank through its secure messaging system and they have not indicated in any way that i will be receiving the cash bonus. 

I believe TD Banks actions so far constitute deceptive and misleading advertising in violation of federal consumer protection laws, including the Truth in Savings Act ( Regulation DD ) and the Consumer Financial Protection Act ( UDAAP Unfair, Deceptive, or Abusive Acts or Practices ). Attached to this complaint are documents and communications with the bank in my attempts to resolve the matter directly. 

I respectfully request that your office : Investigate TD Banks handling of this promotional offer. Require the bank to immediately issue the {$500.00} bonus to my account. Ensure compliance to prevent other consumers from experiencing similar unfair treatment. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I've sent request to remove inaccurate and unverified information from my credit report, charge offs, late payments, and other numerical inaccuracies which has not been done successfully at this point I am seeking legal consideration to correct and confiscate errors in dollar form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I've sent request to remove inaccurate and unverified information from my credit report, charge offs, late payments, and other numerical inaccuracies which has not been done successfully at this point I am seeking legal consideration to correct and confiscate errors in dollar form.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have sent Resurgent Capital Services four certified letters ( on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; and two follow-ups including a final notice being mailed this week ) requesting full validation of an alleged XXXX XXXX XXXX. debt they claim to own or collect for LVNV Funding LLC . Each letter was sent via certified mail with return receipt and requested proof of ownership or assignment, a copy of the original signed contract, a detailed accounting of the balance, and proof of legal authorization to collect in my state. Despite multiple written requests and the time allotted under 15 U.S.C. 1692g ( b ), Resurgent has failed to provide the required documentation. Instead, they continue to send incomplete account summaries and maintain collection activity without lawful validation. I am requesting CFPB intervention to require Resurgent to cease all collection and credit-reporting activity until proper validation is provided as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I noticed a " collections '' on my credit report from a company called XXXX XXXX for {$13000.00}. I have never heard of them before, but I looked them up online, and there are many people and sites stating they are a scam. I tried to call them and the number does not work. There was an address XXXX XXXX XXXX XXXX, TX XXXX and I went to the location, and it does not exist. The only thing it shows on my XXXX XXXX account is that it was last reported on my credit on XXXXXXXX  and under 'remarks ' it states " medical ''. I have never heard of the company or ever received a bill from them in the past, and I have had full coverage insurance for the last 22 years with XXXX  that has not changed, and my out-of-pocket expenses are only {$6000.00}, so there is no way I could owe {$13000.00}. I am trying to report this as fraud and see how to get this removed from my credit report. I will attach a few screen shots of " XXXX searches '' I have done stating this company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: VA

Complaint narrative:
I opened a trust account for my now XXXX XXXX XXXX mother inXXXX, I haven't had access online since XXXX XX/XX/XXXX, I can't pay my mothers expense since.

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 2025-10-16 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: FL

Complaint narrative:
I am filing this complaint to report Experians ongoing violation of the Fair Credit Reporting Act ( FCRA ), specifically under 1681e ( b ) and 1681i, for failure to ensure maximum possible accuracy and to complete a lawful reinvestigation within the required 30-day period. 

The account in question is : XXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX ( Experian ) XXXX XXXX Experian continues to report derogatory and inconsistent late-payment notations on this account, even though the tradeline was paid, closed at consumers request, and shows a {$0.00} balance as of XX/XX/year>. The reported late payments ( 30 and 60 days past due ) contradict the accounts Paid/Current status and the closure timeline. This is an internal contradiction that directly violates FCRA 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

Furthermore, Experian failed to provide adequate verification or documentation from the furnisher ( XXXX XXXX XXXX XXXX  ) during the dispute process. Despite my prior dispute submission, Experian did not correct or remove the inaccurate data and did not provide evidence proving the accuracy of the late-payment records a clear breach of FCRA 1681i ( a ) ( 1 ) ( A ), which mandates a reinvestigation within 30 days. 

This negligence and failure to maintain accuracy has caused harm to my creditworthiness and financial reputation. The credit report misrepresents my payment history and undermines my credibility with lenders, violating my rights under 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 2025-10-16 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: CA

Complaint narrative:
I have repeatedly disputed an account with Discover Bank, asserting that the debt is not mine. The company has failed to provide sufficient evidence to prove the debt is valid. 

In a recent response dated XX/XX/year>, to a prior complaint, the company provided a detailed history of the account but failed to provide the core documentation I have requested : a copy of the executed contract or agreement that proves I legally entered into this credit relationship. 

Without this signed agreement, the company 's internal records do not constitute legal validation of the debt. Despite this lack of proof, the company continues to report this account to the credit bureaus. 

My desired resolution is for the company to either provide the executed contract that proves the debt is mine or, if they can not, to instruct the credit bureaus to delete the account from my credit file entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Summary of Issue : I am disputing an alleged debt that Source Receivables Management ( SRM ) claims I owe to XXXX XXXX XXXX XXXX XXXX I have serious concerns that this debt is inaccurate, unverified, and potentially re-aged in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Timeline and Details : This same alleged XXXX account was previously reported by XXXX XXXX XXXX and XXXXXXXX XXXX I disputed it with both XXXX, XXXX XXXX and the credit bureaus, and it was deleted from my credit reports after they failed to provide validation. 
Recently, I discovered that Source Receivables Management is now reporting what appears to be the same account, but with a new XXXX  opened date, effectively making an old, previously disputed debt appear new again. 
This practice constitutes re-aging, which violates FCRA 623 ( a ) ( 5 ) and FDCPA 807 ( 8 ), as it misrepresents the legal age and enforceability of the debt.

Debt Validation Failure : I sent Source Receivables Management a written debt validation request under FDCPA 809 ( b ). Their response included only generic account information ( balance, alleged dates, and internal reference numbers ). They did not provide : A signed contract or agreement establishing that I am legally responsible for the account ; An itemized breakdown of how the {$1000.00} balance was calculated ; Or proof that SRM is legally authorized to collect on behalf of XXXX 

This does not meet the requirements for proper debt validation under federal law. 

Credit Bureau Verification Issue : After disputing the account with the credit bureau ( s ), I was told the debt was verified. However, I was given no documentation or evidenceand the bureau provided even less information than SRM did. This suggests the credit bureau accepted a generic XXXX confirmation rather than conducting a reasonable investigation as required by FCRA 611 ( a ).

Violations Suspected : FCRA 623 ( a ) ( 5 ) : Re-aging of account / inaccurate reporting of the date of first delinquency.

FDCPA 809 ( b ) : Failure to provide proper debt validation.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation by the credit bureau.

FDCPA 807 ( 8 ) : Misrepresentation of the legal status and age of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
XXXX XXXX XXXX ( account number XXXX ) has been fraudulently reporting a XXXX XXXX XXXX account ending in XXXX Transunion since XX/XX/XXXX, despite having no valid proof of ownership. I requested documentation multiple times including chain of Title, assigment documents, and account verification and received nothing but a bulk bill of sale that does not include my name or account number. Transunion has allowed ths account to remain and update, even after I filed disputes dating back to XXXX. I activated a fraud alert recently. XXXX XXXX XXXX changed the loan type from debt buyer ( XX/XX/XXXX, saying it was accurate from the dispute I placed on XX/XX/XXXX ) to XXXX XXXX account mid investigation ( XXXX XXXX ). XXXX  deleted XXXX XXXX with the same account number that XXXX XXXX is using. XXXX  flagged the it for XXXX XXXX re-aging its closed date from XX/XX/XXXXXXXX  to XX/XX/XXXX. Transunion certified it on XX/XX/XXXX as accurate, then allowed XXXX XXXX XXXX to change the Loan type on XX/XX/XXXX. I submitted XXXX XXXX own documents, dispute history, and screenshot showing contradictory reporting. Transunion failed to investigate properly ( a full do day investigation ) and ignored clear evidence of fraud and misrepresentation. I am requestion a full investigation against Transunion into their handling of Disputes and allowing to still keep XXXX XXXX for falsely reporting fraud. This is not my account I reached out to XXXX  XXXX and they confirmed, and also XXXX  reach out to XXXX  XXXX and stated its not my 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 2025-10-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 if 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