vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ City, State, ZIP Code ] XXXX XXXX XX/XX/year> DEPT OF EDXXXX or DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, TX XXXX XXXX Subject XXXX Request for Debt Validation Dear DEPT OF ED/XXXX  : I am writing in response to your Debt Collection letter, which I received regarding an alleged debt you claim I owe. 

This is not a refusal to pay, but a request for validation of this debt as provided for by the Fair Debt Collection Practices Act ( 15 USC 1692g ). I request that you provide the following information : 1. The name of the original creditor ; 2. The amount of the alleged debt, including a breakdown of any fees or interest added ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. A detailed explanation of how the amount was calculated ; 5. Proof that you are authorized to collect this debt on behalf of the original creditor ; 6. A copy of any judgment.

Until you provide the requested documentation, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you have reported this debt to any credit reporting agency, please notify them that the debt is disputed. 
Please respond in writing within 30 days of receipt of this letter. If you can not provide the requested documentation, I ask that you cease all efforts to collect this debt and remove any relevant entries from my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year>, I received communication from Midland Credit Management ( MCM ) regarding an alleged debt. The representative discussed transaction-level financial details of the account without first validating or confirming that the debt belonged to me, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 1692g.

During the same interaction, the representatives tone and conduct were antagonistic and intimidating, which may also constitute a violation under FDCPA 1692d, which prohibits harassment or abuse in debt collection.

The amount in question was approximately unknown, which I do not recognize and which was never formally verified or documented. 

On XX/XX/year>, I sent a formal demand letter to MCM via email. The letter identified five separate potential violations of the FDCPA and FCRA ( Fair Credit Reporting Act ), including : Failure to validate the debt before discussing details Unlawful disclosure of financial information Harassment through antagonistic communication Misleading representation of the debt or consequences Potentially reporting unverified debt to credit bureaus ( FCRA 1681s-2 ) I requested a written response within XXXX  days. As of today XXXX XXXX  days later ), I have received no response, acknowledgment, or resolution from MCM. 

This lack of response, combined with the original conduct, supports a pattern of noncompliance with consumer protection laws. I am now seeking enforcement action, damages as permitted under federal law, and a permanent resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : 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 XXXXXX/XX/XXXX, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

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 2025-05-03 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IN

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> * * Subject : Credit Report Dispute under FCRA Section 611 Student Loan Account from EdFinancial Services * * To Whom It May Concern, I am writing to formally dispute the accuracy of an account listed on my XXXX  credit report under the provisions of Section 611 of the Fair Credit Reporting Act ( FCRA ). The account in question is a student loan reported by EdFinancial Services in the amount of {$32000.00}, listed under my name, XXXX XXXX. 

I request that XXXX  initiate an immediate investigation into this account and verify its accuracy, completeness, and validity. In accordance with Section 611 of the FCRA, you are required to investigate and respond to my dispute within * * 30 days * * of receiving this request. 

Please provide a full reinvestigation and furnish me with : 1. All documentation used to verify the accuracy of the account.

2. The name and contact information of the furnisher who verified the account.

3. Written confirmation that the account has been updated or removed, if found to be inaccurate or unverifiable. 

For your reference, I have enclosed a copy of my credit report with the disputed item highlighted, along with a copy of my government-issued ID and proof of address. 

If the account can not be verified, I request that it be * * deleted from my credit file * * in accordance with the FCRA. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I am writing to you because I recently checked my credit report and noticed a few discrepancies. I feel that these accounts are adversely affecting my credit report and am requesting you to investigate these items to ensure accuracy. I have listed the items as followed below. 

Charge offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts are reporting a balance. It is my understanding that the debts were charged off and memorialized with a form 1099 C as proof of evidence thereof. As a result, the debts are cancelled and should reflect accordingly on my consumer file. This would indicate inaccurate reporting on your behalf and is a violation of the FCRA. By provision of 15 US section 1681i ( 6 ) ( A ) 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 2025-05-03 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: NC

Complaint narrative:
I dispute the following latepayment entries ( XXXX  days past due ) that XXXX XXXX XXXX reported on my credit file. On XXXX, I sent XXXX a written request for documentation verifying these delinquencies and detailed account statements showing my payment history. I received no response. I followed up on XXXX by phone and email, yet XXXX still did not provide any records. Because they can not verify the accuracy of these latepayment reports, I request that all such entries be removed and that my account be updated to Current or AsAgreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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 dispute the following latepayment entries ( XXXX  days past due ) that XXXX XXXX XXXX reported on my credit file. On XXXX, I sent XXXX a written request for documentation verifying these delinquencies and detailed account statements showing my payment history. I received no response. I followed up on XXXX by phone and email, yet XXXX still did not provide any records. Because they can not verify the accuracy of these latepayment reports, I request that all such entries be removed and that my account be updated to Current or AsAgreed.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account has been charged off and I have not received a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 2025-05-03 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: GA

Complaint narrative:
I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requesting investigation and correction of the following closed accounts appearing on my credit report : XXXX XXXX XXXX  ( 2 accounts ) Status updated XX/XX/XXXX - XXXX XXXX XXXX XXXX updated XX/XX/XXXX - XXXX XXXX XXXX  updated XX/XX/XXXX Under 15 U.S.C. 1681i ( a ), I request that the Consumer Financial Protection Bureau ensure these accounts are investigated for accuracy, completeness, and proper status reporting. If any information is found to be inaccurate or unverifiable, I request that it be corrected or deleted in compliance with 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ). 

Please confirm the outcome of your investigation and any actions taken to correct or update my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts on my Experian credit report due to identity theft. These include : a XXXX XXXXXXXX credit card opened XX/XX/XXXX ( Acct # XXXX * * * * * * ) ; a XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( Acct # XXXX * * * * * * * * * * * * * * ) ; XXXX XXXX XXXX student loans both opened XX/XX/XXXX ( Acct # XXXX * * * * * * * * * * * * * * ) for {$5000.00} and {$4600.00} ; and an XXXX secured loan opened XX/XX/XXXX ( Acct # XXXX * * * * * * * * * * * * * * ). These accounts caused fraudulent hard inquiries and collections. I demand their removal and the cessation of all related collection activity under my rights per FCRA and FDCPA. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
So a collection account from a company listed called XXXX is reporting an alleged account as charge off on my credit report that I have no knowledge of, I have asked them to investigate this inaccurate information, and every time I request for proof that this alleged account is mine, they never provide me with any information, I have know decided to take it a step further.Reporting alleged inaccurate can not legal.

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 2025-05-03 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: IL

Complaint narrative:
So a collection account from a company listed called XXXX is reporting an alleged account as charge off on my credit report that I have no knowledge of, I have asked them to investigate this inaccurate information, and every time I request for proof that this alleged account is mine, they never provide me with any information, I have know decided to take it a step further.Reporting alleged inaccurate can not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Account number : # XXXX Account name XXXX XXXX XXXX XXXX  OR XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX ( Finance ) XXXX HARD INQUIRY : XXXXXXXX XXXX ( Bank ) XXXX The Federal Credit Report Act promotes the accuracy, fairness, and privacy of information in a credit report. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and urgent demand to investigate and delete multiple negative, derogatory, and damaging entries currently reported by your bureau on my credit profile. These accounts have been burdening my report for far too long despite repeated efforts to correct them. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to compel immediate action. 

The following accounts must be immediately removed due to being inaccurate, unverifiable, outdated, or misleading : XXXX XXXX Closed and paid ; still marked derogatory and charged off. This is inaccurate and misleading. 
XXXX XXXX XXXX XXXX XXXX Reported as a collection account. No proof of validation or proper notice was ever provided. 
XXXX XXXXXXXX ( XXXX XXXX XXXX ) Multiple entries and outdated medical debt without proper verification. 
XXXX XXXX Disputed ; reflects as charge-off, but no valid documentation has ever been provided. 
XXXX XXXX Conflicting reporting. Inconsistent across bureaus and in violation of 1681i ( a ) for data accuracy. 
XXXX / XXXX XXXX Reported with misleading status ; still open but unresolved and lacks any validation. 

I have made repeated attempts over time to correct these records. My patience is exhausted. You are now formally notified that : You must complete a reinvestigation within XXXX days as mandated under 15 U.S.C. 1681i. 
Any item you can not fully verify with original documentation must be deleted immediately. 
If retained, you are required to mark each disputed entry with this statement : Consumer disputes this account. No verifiable documentation provided by data furnisher. 

If you continue to report unverifiable or misleading information, I will escalate this matter with the CFPB, FTC, and, if necessary, pursue legal action for damages under 15 U.S.C. 1681n and 1681o.

I demand written confirmation of the outcome of your investigation and copies of all documents used to verify the accounts. 

Sincerely, XXXX XXXX XXXX : [ MM/DD/YYYY ] SSN : * -- [ XXXX ] Phone : XXXX Email : 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 non-monetary relief
Consumer complaint received 2025-05-03 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: DISCOVER BANK
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a member of Chase bank for almost XXXX years and I was a victim of a scam and I let them know and when the scam company attempted to send me checks I paid the {$25.00} to have the checks returned and Chase said my balanced was reduced but took no action for two weeks and just a few days before my XXXX direct deposit was to be delivered to my account to offset any negative balance they kept using the word restricted I have no access to my money was lied numerous times by Chase Vertification and being left without a penny without having any clue to where my money was and humiliated like I was a criminal this is unfair and unacceptable I had to open another bank account while my bills couldnt get paid and Chase lied to me saying they are going to send me balance which is negative and they dont have my address I need some answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: DISCOVER BANK
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation