vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I, XXXX XXXX, ask for immediate action based upon this complaint on a California based collections agency, Midland Credit Management , Inc. XXXX XXXX XXXX, XXXX XXXX, California XXXX on the premise of a Texas lawsuit filed on XX/XX/XXXX : Case No. XXXX for a collections account. 

I, XXXX XXXX have never signed a contract with Midland Credit Management XXXX Inc. at any time. There is no agreement with wet ink signature to establish a contract with Midland Credit Management , Inc. at any time. Furthermore, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX must cease and desist and all collection tactics as well as lawfare. My consumer rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) protects you from unfair and abusive debt collection practices. This federal law limits what debt collectors can do when attempting to collect debts that are primarily for personal, family, or household purposes. 

This complaint is also a privacy violation according to The Privacy Act of XXXX, which establishes rules for collecting. Also according to the Texas Data Privacy and Security Act Conducting data protection assessments for certain processing activities, including processing for purposes of targeted advertising ; the sale of personal data ; processing for purposes of profiling when profiling presents certain reasonably foreseeable risk [ s ] ; processing of sensitive data ; and any processing that present [ s ] a heightened risk of harm to consumers. Given the severity a CONTRACT was never signed by the consumer with Midland Credit Management Inc. establishes a failure to uphold federal protections, I formally request discharge and cancellation of this debt in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: LEXISNEXIS
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate information reported on my consumer disclosure reports and the failure of the reporting agencies to properly investigate my disputes. Additionally, I request immediate implementation of a permanent security freeze and opt-out on my consumer file.

Part 1 : Dispute of Inaccurate Information I have reviewed my consumer reports from LexisNexis XXXX XXXX, XXXX, XX/XX/XXXX and XXXX and identified several inaccuracies that are negatively impacting my consumer profile. Despite previous disputes, these inaccuracies remain unresolved. 

Disputed Accounts USDEPTOFED Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name USDEPTOFED. 

XX/XX/XXXXM Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XX/XX/XXXX 

I request a thorough and manual review of these accounts due to the complexity of the discrepancies. I have attached copies of my credit reports highlighting the inaccuracies for reference.

Requested Actions : Conduct a thorough investigation of the disputed accounts.

Provide a written statement detailing the investigation results and actions taken.

Remove the inaccurate accounts from my consumer reports.

Send me updated copies of my corrected consumer reports.

Part 2 : Request for Permanent Security Freeze and Opt-Out To further protect my personal information from potential fraud and identity theft, I formally request : A permanent security freeze on my consumer files with LexisNexis XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX and XXXX. 

A permanent opt-out from all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs managed by these entities. 

Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX - XXXX Current Address : XXXX XXXX XXXXXX/XX/XXXXXXXX Phone Number : XXXX XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required.

Relevant Laws Violated : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Collection Account on Credit Report Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the collection account entry listed on my credit report for the XXXX XXXX  account number XXXX. I request that this collection account be deleted from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant U.S. tax laws.

Upon reviewing my credit report, I discovered that this account is marked as a collection, which negatively impacts my credit score. Under U.S. law, specifically 26 U.S.C. 61 ( a ) of the Internal Revenue Code, any amount written off by the creditor is considered taxable income to the debtor. This means that once a debt is transferred to a collection agency, the original creditor has effectively discharged the debt, and the amount should no longer be considered an ongoing obligation. As a result, the col-lection balance should not be reflected as a valid debt obligation on my credit report.

Based on the above, I respectfully request that you delete this collection account entry from my cred-it report for the following reasons : 1. Collection as Income : According to 26 U.S.C. 61 ( a ), when a debt is transferred to a collec-tion agency, it is considered income to the debtor for tax purposes. This means the collection is no longer a legitimate debt, but income written off by the original creditor. Therefore, it should not continue to appear as an outstanding balance on my credit report.

2. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since a col-lection represents income and not a debt, keeping this entry on my credit report as a negative mark is inaccurate and should be removed.

In light of the above, I request that you conduct a thorough investigation and delete this collection account entry from my credit report if the information can not be verified as accurate or if it is inconsistent with the provisions of the Fair Credit Reporting Act and relevant XXXX tax law. 
Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
I opened an account with Bread Financial which is run by XXXX Express after receiving a letter inviting me to do so with a QR code. I tried to use the QR code but it did not work, so I called the phone support number and had one of their reps help me through the process. It took over an hour to do and the rep did not really seem to know what they were doing. I confirmed with the rep numerous times during our call that the XXXX bonus for opening the account would be applied. He said yes of course. I used the card and fulfilled all the criteria and noticed that the XXXX bonus had not been applied. I reached out to find out why. They said I had not fullfilled the terms. Then they said that I had never gotten the offer. Then they said that I had gotten the offer but did not accept it in time. Then they said again that I had never gotten the offer but that they could have me launch an investigation. They claim their investigation discovered that I was not eligible. I asked for a recording of the conversation that I had with the first rep when I opened the account where I clearly asked them to confirm that I would get the bonus and they told me that it was not available to me. I wasted over a dozen hours of my life on this. I am certain that there are others in my same situation. This is not just about XXXX dollars at this point. This is about holding companies who promise things accountable for what they promise. It has been a nightmare dealing with Bread financial, which is really strange because I have been an American express customer for over 10 years and never had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Notice of Dispute Inaccurate Information on Credit Report Credit Report Numbers : TransUnion : # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following errors that require investigation and correction : Inaccurate Information : 1. Creditor Name : XXXX XXXXXXXX o Account Number : XXXX o Inaccuracy : Reporting inaccurate account details. 

Supporting Documentation : I have enclosed copies of the following documents to support my dispute : Copies of my credit reports from TransUnion. 

Request for Investigation : Under the FCRA, you are required to investigate and correct any inaccuracies within 30 days of receiving this notice. Please : 1. Investigate the disputed items.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Provide me with a written response detailing the results of your investigation.

4. Send an updated copy of my credit report reflecting the changes.

If you determine that the disputed information is inaccurate, you must also notify the furnisher of the information ( e.g., the creditor ) to ensure their records are updated. 

Additional Information : Full Name : XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : * -- XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please confirm receipt of this dispute and keep me informed of the investigations progress. If you fail to respond within the required timeframe, I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 
Sincerely, BY : XXXX XXXX, XXXX XXXX FOR : XXXXXXXX XXXX XXXXXXXX XXXX WITHOUT RECOURSE Enclosures : Copies of my credit reports from TransUnion.

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 2025-03-09 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: AZ

Complaint narrative:
I have sent multiple letters, online disputes and emails concerning the information in my credit report being inaccurate. I am not associated with the information reported on my credit report. I have sent proof of address etc. I am being denied of proper use of my credit report.

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 2025-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card, They closed the account and I am paying on the balance but they keep charging the same interest and adding on fees. Plus, they keep marking this late and making my credit worse and the balance never goes down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime bank has stolen over XXXX grand from me. Every time I dispute a transaction. They deny it and I have lost over XXXX XXXX dollars because of chime. I need my money back

Company response to consumer: Closed with explanation