vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am disputing collection and credit reporting by XXXX XXXX XXXX / XXXX XXXX XXXX ( with Credit Control , LLC as their collector ) because they failed to provide proper validation of debt after my requests. 

Instead of validation, they sent me privacy notices and computer-generated Account Summary Reports created by XXXX. These are not original creditor documents and do not prove : ( 1 ) a signed agreement, ( 2 ) complete itemized accounting, or ( 3 ) chain of title showing XXXX  legal ownership. 

What they sent ( dates & details from their letters ) : XX/XX/XXXXXXXX  XXXX  letters deny my dispute and enclose verification consisting only of internal summaries. Balances shown : {$720.00} ( Acct XXXX  ), {$2300.00} ( Acct XXXX ), {$600.00} ( Acct XXXX ). 

Account Summary Reports show original creditors and dates ( examples ) : XXXX XXXX XXXX Origination XX/XX/XXXXXXXX  ; Charge-off XX/XX/XXXXXXXX  {$720.00} ; XXXX  XX/XX/XXXX ; Last payment XX/XX/XXXX. 

XXXX XXXX XXXX  Charge-off XX/XX/XXXXXXXX  {$2300.00} ; XXXX  XX/XX/XXXX ; Last payment XX/XX/XXXX. 

XXXX XXXX Opened XX/XX/XXXXXXXX  ; Charge-off XX/XX/XXXXXXXX  {$600.00} ; XXXX XXXXXX/XX/XXXX ; Last payment XX/XX/XXXX. 

Credit Control , LLC letters ( XX/XX/XXXXXXXX  ) demand payment for XXXX and provide dispute checkboxes but no supporting documents. 

Why this violates federal law : FDCPA 809 ( b ) : Collectors must cease collection until they mail validation. Internal account printouts and privacy notices do not satisfy validation. 

FCRA 611 ( a ) : Credit bureaus must delete unverifiable information after a dispute.

FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher may not report information it knows or should know is inaccurate or can not be verified.

Harm : They continue collection efforts and credit reporting without validation, damaging my creditworthiness. I have spent significant time disputing and responding, and these tradelines negatively impact my ability to obtain credit.

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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XX/XX/year> I was contacted via text the following : Hi XXXX, you will now receive texts from AmSher - a Debt Collector, about your unpaid balance with Charter Spectrum. Questions call XXXX. Pmts and Info : XXXX XXXX XXXX XXXX XXXX XXXX  # of Msgs Varies. Msg & amp ; Data Rates May Apply. To optout txt STOP I contacted spectrum who confirmed I did NOT have a balance that was sent to collections. I owed {$76.00} for a piece of equipment but it was not in collections. The rep advised that its possible this was a scam. I spoke to XXXX at XXXX. 

Further investigations of the company AmSher reveal a history of charging for things people dont owe. Likewise, I do not owe anything else to spectrum as I paid my {$76.00} that was NOT in collections. So I do not have business or affiliation with AmSher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-10 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing interest charges that were added to my XXXX XXXX account because the company failed to correctly apply my manual payments to a promotional balance. 

I had a promotional purchase of {$400.00} with a deferred interest expiration date of XX/XX/XXXX. My intention was to fully pay off this promotional balance before the deadline in order to avoid any interest. 

To do this, I made the following additional manual payments : XX/XX/XXXX {$150.00} XX/XX/XXXX {$410.00} Before making these payments, I contacted customer service several times, including speaking with a supervisor, to confirm that the funds would be applied directly to the promotional balance. I was assured there would be no problem. 

These extra payments were not made because I had surplus money. On the contrary, they required significant financial sacrifice. I made them specifically to pay off the promotional balance before the expiration date, as I had been assured by the companys representatives that this would prevent any interest charges. 

Despite my clear instructions and timely payments, the funds were not applied correctly, and as a result, interest charges were added after the promotional expiration date. 

On XX/XX/XXXX, the company responded to my dispute but refused to reallocate the payments, stating that reallocation was only available for the most recent payment. This response is unfair and unreasonable, as I made these payments well before the promotion expiration date specifically to close out the balance. 

I am requesting that the CFPB review this issue and require Comenity Capital Bank to : 1. Reapply my payments of {$150.00} ( XX/XX/XXXXXXXX  ) and {$410.00} ( XX/XX/XXXXXXXX  ) to the promotional balance ending XX/XX/XXXX. 
2. Remove all interest charges that resulted from the misallocation of these payments.

3. Correct my account balance to reflect the proper application of these payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bayview Solutions LLC
State: FL

Complaint narrative:
Hello, This company has a debt that is very old and not sure why they have it. The company is not legally licensed to collect to state of Florida. They have not provided proof. 


I am demanding you remove this collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XXXX XXXX XXXXXX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Re : Cease and Desist Demand Dear CFPB, This letter serves as a formal demand that you immediately CEASE AND DESIST from engaging in the following conduct : Making false allegations, an account that was fraudulently opened in my name. 

Your actions are unlawful and have caused emotional distress, financial harm. Please be advised that continued behavior of this nature may leave me no choice but to pursue all available legal remedies, including but not limited to filing a lawsuit for damages and seeking injunctive relief.

I demand that you : 1. Immediately stop the collection on my credit report.

2. Refrain from engaging in any similar conduct in the future.

3. Provide written assurance by 14 days that you will comply. 

Failure to comply with this demand will result in further action being taken without additional notice. 

This letter is sent in good faith with the hope that this matter can be resolved amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy. 
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-10 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
XX/XX/XXXX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX RE : FORMAL DISPUTE AND DEMAND FOR REMOVAL OF FRAUDULENT COLLECTION ACCOUNT DUE TO IDENTITY THEFT Dear Credit Reporting Agencies, I am writing to formally dispute a fraudulent collection account on my credit reports. This account is the direct result of identity theft following the compromise of my personally identifiable information in both the XXXX  Equifax Data Breach and the XXXX XXXX XXXX breach. 

The fraudulent account is as follows : Creditor : XXXX XXXX XXXX Amount : {$1300.00} Reported Date : XX/XX/XXXXXXXX  I have no knowledge of, and never incurred, any obligation to this debt collector. I am an identity theft victim, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I demand you conduct a reasonable reinvestigation pursuant to 611 and permanently block this fraudulent information from my credit file pursuant to 605B. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the collection of a debt not owed.

My personal information was exposed in two massive, publicly acknowledged cyber breaches for which your companies have a responsibility to account. The continued reporting of this fraudulent account causes significant ongoing harm.

I demand you immediately : 1. Initiate a formal fraud investigation.

2. Permanently delete this account from all my credit files.

3. Provide me with the name and address of the original creditor and the procedures used to verify this account, as required by law. 

Failure to comply with your legal obligations under the FCRA and FDCPA will leave me no alternative but to pursue all available legal remedies. 

Sincerely, 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are reporting FRAUDULENT NAME on my credit report. The NAME is -XXXX XXXX XXXX PLEASE DELETE/REMOVE INCORRECT NAME THAT IS REPORTING ON 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 explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 EXPERIAN TRANSUNION 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