vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I redeemed XXXX {$10.00} XXXX XXXX gift cards through my XXXX XXXX Credit Card ( issued by Comenity Bank ). As of XX/XX/year>, I have not received any of the codes. 

I called customer service on XX/XX/XXXX. They said you should contact another department and they said it was the customer service number that I just called issue. I then called customer service again and told me to call the same number from before that they redirected me before. I call them again and they said customer service are full aware of they know that this number can not do anything about it. So customer service was doing the runaround with me. 

I then contacted customer service again and I demanded to talk to a XXXX. I said this is bad business and that I was going to report them to the CFPB for these business practices. They assured me it was within in my right and that there in there terms and conditions specify a XXXX delay which is today ( XX/XX/XXXX ). Being XXXX business days being today and still not receiving anything. 

As of XX/XX/year>, no reward codes have been delivered. This is misleading and potentially deceptive behavior. Customers are not receiving rewards as advertised, and the company appears to be giving inconsistent or false explanations.. When you redeem its say XXXX business days. See the attached image. So I believe that the XXXX was lying to me. 

This pratice is predatory and false advertisement. If customers don't receive the rewards for what they have earned. That is horrible business behavior and a good way to lose customers and againist the law. I have over XXXX points remaining and another pending award to be awarded. I'm afraid I will get nothing from the points that I earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I sent a validation letter request and they did not answer to my letter, I tried calling to get a written settlement and they did not have information necessary to validate debt. They said they had a different information in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed this alleged debt multiple times in writing, and the company has failed to provide proper validation. I sent XXXX separate debt validation requests by certified mail, and I have proof of delivery and signed return receipts showing they received all three. 
In my letters, I specifically requested : A copy of the original signed credit agreement bearing the signature. 
A complete account history showing all transactions, payments, interest, and fees to verify the alleged balance around {$6000.00}. 
Documentation of the chain of title, including the bill of sale or assignment from the original creditor, clearly identifying my account. 
Instead of providing this information, the company only sent a brief summary and a notice, without any supporting documentation 3 times. They sent the same exact paper 3 times and Despite their failure to validate the debt, they continue to report it to the credit bureaus. This is negatively affecting my credit and appears to violate both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
I am requesting that this unverified account be removed from all credit reports and that the company stop all reporting or collection activity until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - CBA * * * * * * * * * * * * * * * * * * 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 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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I keep receiving calls after calls after ive already written a cease and desist letter XX/XX/XXXX and wrote XXXX back XX/XX/XXXX and another letter in the summer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered several accounts and collection items being reported inaccurately and without proper verification. Some accounts, such as those from XXXXXXXX XXXX, XXXX XXXX, and multiple XXXX Bank subsidiaries, are listed as charged off or in collection status even though no documentation has ever been provided to verify their legitimacy, ownership, or accurate balances. In many cases, the reporting contains conflicting information regarding payment history, charge-off dates, and account statuses, which indicates a failure to maintain accuracy under the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without providing any chain of assignment, signed agreements, or proof that they have legal authority to collect or report these debts. To make matters worse, numerous hard inquiries appear on my report without my consent or permissible purpose under FCRA Section 604 ( a ). Despite prior attempts to dispute and request validation from the credit bureaus and furnishers, the same unverifiable and misleading information continues to appear, causing significant and unnecessary harm to my creditworthiness.

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 2025-10-21 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: FL

Complaint narrative:
Midland Credit Management , Inc . 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Subject : Follow-Up Complaint Harassment via Text Messaging Dear Sir or Madam, I previously submitted a complaint regarding a phone call I received on XX/XX/year> from XXXX XXXX XXXX XXXX husbands account XXXX. I am now submitting a follow-up complaint regarding unsolicited, inappropriate text messages sent to my husband from the number XXXX. 



The texts included statements such as : Are you busy? 

We all know youre a humorous person. 

Hope you can forgive me for being such a stupid woman. 

I am lucky to meet such a friendly friend. It must be a pleasure to be friends with you. 

My name is XXXX. Whats your name? 



These messages were received late at night, with the last XXXX at XXXX PM, and were sent after we explicitly instructed XXXX to communicate in writing only. The messages are completely unrelated to debt collection and constitute harassment and improper third-party contact under the FDCPA ( 15 U.S.C. 1692c ( b ) ). 



I demand that XXXX : Cease all non-written communication. All future contact must be via mail or written form only. 

Cease contacting any unauthorized third parties. No one other than myself ( authorized by my husband ) should be contacted. 

Investigate and discipline the personnel involved, including the person identified as XXXX. 

Provide written confirmation that this complaint has been received and that corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally online high-interest yield savings account which offers monthly compounding interest continues to miscalculate the amount of interest I should receive. 

Back in XXXX I received $ XXXX interest when my balance was a little over {$28.00} XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I added {$1100.00} to my savings yet somehow my interest was only {$80.00}. for this month. 

This is the same complaint I filed with you about Ally way back in 2022. I know I should find a new bank but what about the interest Ive been cheated out of? 

Hoping you will help, 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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
XXXX XXXX - account XXXX was closed in the summer of 2025. When the account was closed, a surplus balance was sent by XXXX to myself in the XXXX of a XXXX gift card. After receiving the gift, XXXX sent a bill saying the amount that was refunded was incorrect and I owed {$7.00} to close the account. The full amount of {$7.00} was paid to XXXX XXXX to satisfy their error. However, this amount of {$7.00} was refunded in the form of, once again, a XXXX gift card. I reached out to XXXX XXXX customer service on XXXX occasions where the representative informed me that the clerical error was a fault of XXXX and that there was no balance due. Shortly after the first conversion with the XXXX representative, I received a text notification from a collection agency that this {$7.00} was still due. I made a second call to XXXX customer service and they once again told me that the account was closed with no balance due. Additionally, I was told to visit the local XXXX store in person to receive a statement that the account was indeed closed with no balance due. However, the local XXXX representative was unable to provide this document for reasons unexplained to me. In conclusion, after multiple conversations with XXXX representatives that my account was closed with no balance due, I am still receiving collection notifications ( text messages ) from XXXX 's collection service demanding payment of {$7.00} for amount that already paid but then immediately refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX dollars for every violation. They must remove this account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 dispute the reporting of accounts under my name that were not authorized by me. Please examine the matter closely and expunge the improper entries. Documentation is enclosed.

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 2025-10-21 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: NY

Complaint narrative:
Dear Equifax 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 ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Got back from XXXX went out for liberty went to a restaurant with other service members went to the bathroom came back and a worker handed me my wallet and said that I was forgetting it! I appreciated that! I later tried to make a purchase and my card declined! I just got back from XXXX and knew i had funds. I went to an atm to check my balance and thats when I saw that this place charged my card {$1800.00}!!!! I called Navy Federal Credit Union to let them know. They saw my account was being charged and were fraud! They want me to make a police report in XXXX? I tried that thats impossible! They can clearly see it was fraud! I was going to use this money to go home i havent been home in 18 months! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a Method of Verification request under 15 U.S.C. 1681i ( a ) ( 7 ).

The bureau failed to provide the required information namely, the name, address, and telephone number of the verifying party and the method used to verify.

Instead, I received a generic letter stating that the accounts were previously verified or that an investigation would take up to 30 days.

This does not satisfy the legal requirement to explain how the information was verified.

I am requesting CFPB oversight to ensure compliance with the FCRA and to have these items deleted or properly verified with documented evidence. 

Please reference my prior correspondence ( attached ) and XXXXExperians dated responses.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-10-21 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: NY

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$630.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} INQUIRIES : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-10-21 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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