vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit Management Company is reporting two separate collection accounts on my credit reports with XXXX, XXXX, and XXXX. I have never had any relationship, communication, or agreement with this company. I was never notified, never introduced, and absolutely never gave permission for any of my personal information to be shared, sold, transferred, or handled by this company. 

The presence of my private information in their system is a serious and unlawful breach of privacy. Under 15 U.S. Code 1681b, no entity has the right to obtain or use my personal information without a permissible purpose. This company has failed to prove any such purpose. They are in possession of my personal identifying information without my consent, which is a violation of federal law. 

Additionally, I have not received any notice of debt placement, no dunning letter, no validation of the debt, and no proof that I agreed to do business with Credit Management Company. This violates 15 U.S. Code 1692g ( a ), which requires that a debt collector send written notice within 5 days of first contact. 

I am demanding to see full validation of the alleged debts not a generic printout or summary but : A full copy of the original contract with the original creditor My wet ink signature A breakdown of the charges The exact date the debt was acquired and by whom The name and reference ID of a real individual assigned to the file I do not want to be sent automated, computer-generated documents that do not meet the legal standard of verification. This company is illegally reporting negative items to all three credit bureaus without proper documentation, authorization, or validation. 

They are in direct violation of : 15 U.S. Code 1692g ( b ) Failure to validate the debt 15 U.S. Code 1681s-2 ( a ) Duty to ensure accurate reporting to the credit bureaus 15 U.S. Code 1681b No permissible purpose to obtain or hold my consumer report information 15 U.S. Code 1692c Failure to notify before sharing or selling my personal information FCRA Section 604 Unauthorized access to consumer information FCRA Section 611 Failure to conduct a reasonable investigation upon dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a 0 % promotional APR on my XXXX  credit card ( used for a single purchase at XXXX XXXX XXXX ). Approximately two weeks before the promotional period ended, my scheduled autopay made a regular monthly payment. At the time the promo expired, I had a remaining balance of {$460.00}, which I fully intended to pay off. 

Because I was on autopay and had no history of missed or late payments, I wasnt regularly reviewing monthly statements, especially since those emails were landing in my " Promotions '' folder. I received no separate notice or alert outside of those statements that the promotional period was about to end. 

The day after the promo expired, I received a notice that I had been charged retroactive interest on the entire years balance. I called customer service within 24 hours and explained the situation : that I had misunderstood the deadline due to the lack of visibility while on autopay, and that I was ready and willing to pay the original {$460.00} balance in full. I asked for a one-time goodwill adjustment to reverse or reduce the interest charges. 

My request was flatly denied. I escalated the matter to multiple representatives and supervisors, all of whom told me there was nothing that could be done. 

At that point, I made the conscious decision not to pay, because I understood that any payment would continue to accrue interest, and there was no resolution pathway being offered. I did not default out of negligence, I did so out of principle, after every effort to resolve the issue in good faith was dismissed. 

The account has since been closed and is now reporting negatively to the credit bureaus. I have not received a single collections notice or outreach attempt from the creditor. 

When I discovered the account had been closed ( as of XX/XX/year> ) on my credit report, I called again to try once more to resolve the matter. On XX/XX/XXXX, I was told again that no exceptions were possible. The representative I spoke with ( XXXX, ID XXXX ) refused to provide written confirmation of their refusal. 

I am requesting the following : That the company waive the retroactive interest charges and allow me to pay the original {$460.00} balance in good faith - and that the company update credit reporting to reflect that the account was in good standing and closed without derogatory marks I believe the companys handling of this issue has been punitive, disproportionate, and out of step with fair consumer treatment, particularly considering that I acted immediately, responsibly, and respectfully. I am asking for a reasonable resolution. 

I have no documents to attach because they have locked me out of my account and will not send me any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to express my concerns regarding my account that I have been charged a late fee of {$43.00} every month for the past two years. I typically make my payment on the third of each month. However, I have incurred a total of {$510.00} in late charges over approximately 12 months due to the company not sending me my monthly statements by mail. THEY REFUSED TO SEND ME A HARD COPY OF MY STATEMENT. I do not understand why I stopped receiving these statements, as they are crucial for tracking my payments and avoiding late fees. I was unaware I was being charged late fees until I accessed my account online. During my conversation with XXXX, the manager, I found her response to be very rude and dismissive. She threatened to hang up on me and refused to discuss any compensation for the late charges. XXXX insisted that I had opted for online statements, but I did not choose that option. SHE LIED REPETELY. I feel that her behavior misrepresents the company AND THE PEOPLE OF THE USA. And this is not the first negative experience I have had with them. I would like to cancel my card and request a total credit of {$510.00} for the late charges. BUT THIS COMPANY REFUSED CREDIT ME THE BALANCE OF LATE CHARGES OF {$410.00} XXXX INSTEAD, THE JUST CLOSED MY ACCOUNT AND AND TRASH MY REQUEST LIKE GARBAGE. As a XXXX, I feel that this company is taking advantage of my age while being abusive and unhelpful. Their actions misrepresent consumers in the United States, and I believe they should be banned from doing business in this country. THECFPB AND FTC SHOULD NOT ALLOUD SUCH VIOLATIONS AS THERE ARE REPRESENTATE OF THE UNITED STATE OF AMERICA. I appreciate YOUR COOPETATION IN THIS MATTER. XX/XX/year>, I SPOKE TO XXXX XXXX XXXXCFPB, BUT SHE WAS NOT KNOWLEDGEABLE AND SEEMS IMCOMPANT, I WAS VERY DISSAPOINTED IN HER SERVICE AS A REPRESENTATIVE OF THE CFPB. I WOULD LIKE CFPB TO SUBMIT THIS COMPLAINT TO THE CORECT AUTHORITY DEAL WITH THIS CHEATING CREDIT CARD BY SYNCHRONY BANK, Any guidance you can provide on how to address this issue and recoup my lost funds. SYBCHRONY BANK /CREDIT CARD IS CHEATING THE PEOPLE OF AMERICA AND SHOULD BE ADDRESS THE AUTHORITY OF THE USA . 




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 2025-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-21 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME : XXXX ACCOUNT # XXXX NAME : XXXX XXXX ACCOUNT # XXXX NAME : XXXX XXXX ACCOUNT # XXXX NAME : XXXX  ACCOUNT # XXXX NAME : XXXX  ACCOUNT # XXXX XXXX NAME : XXXX DATE XXXX XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX XXXX DATE XX/XX/XXXX NAME : XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX  DATE XXXX XX/XX/XXXX NAME : XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX  XXXX  DATE : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, Crypto.com suddenly restricted access to my account, blocking me from withdrawing my funds. The company claimed this was due to a court case ( Cause No. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX 

However : I have never been served or received official court documentation about this case. 
On XX/XX/year>, I confirmed directly with the XXXX XXXX XXXX that my name does not appear in the case. 
Crypto.com admitted in writing that the link they provided for unlocking my account ( crypto-legal-claims.com ) is not affiliated with them, yet they insist I must use it. 
Despite multiple requests since XX/XX/year>, the company has failed to provide any valid documentation or explanation for the restrictions. 
My account continues to show as XXXXXXXX XXXX XXXX contradicting their claim that it was suspended. 

This situation has caused me financial losses, stress, and I believe it constitutes unlawful retention of funds and possibly a fraudulent practice. 

I request the CFPB to investigate this matter, require Crypto.com to provide legitimate documentation, and restore access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
Inaccurate Late Payment Reporting Consumer Name : XXXX XXXX XXXX Credit Bureau Involved : Equifax Date of Report : XX/XX/XXXX Summary of Complaint : Equifax is inaccurately reporting late payments on my credit file that are not correct, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). These errors are causing significant harm to my credit standing. 
Details of Inaccuracies : XXXX XXXX ( Account No. XXXX ) Equifax reports a XXXX late payment in XX/XX/XXXX with a past due amount of {$830.00}. 
This is inaccurate and not supported by my actual payment history. No verifiable proof has been provided. 
XXXX BANK, XXXX. ( Account No. XXXX ) Equifax reports a XXXX late payment in XX/XX/XXXX. 
This is erroneous and not reflective of my true payment status. 
Violations : FCRA XXXX ( a ) ( XXXX ) : Failure to maintain accurate and verifiable information in consumer credit files. 
FCRA XXXX ( a ) ( XXXX ) : Right to review and receive proper documentation of reported items. 
XXXX XXXX XXXX Guidelines : Late payments must only be reported if accurately documented and verifiable by original creditor records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I discovered that XXXX is reporting 30-day late payments on my account # XXXX for XX/XX/XXXX and XX/XX/XXXX. I was shocked to see this because I believe I made my payments when due. At the time, I was going through serious medical emergencies related to XXXX and my checking account was also temporarily blocked by my bank due to fraudulent transactions. These circumstances may have prevented proper processing of my payments, but they do not accurately reflect my payment intent or history. I believe these late notations are inaccurate and unfairly damaging my credit report, in violation of FCRA XXXX ( b ) which requires maximum accuracy in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I have submitted the documents to the fraud team and even submitted complaints with copies of the requested filled out documents to XXXX  but they still reply with a generic " fill out this paperwork and required submit documents. Even though I have done this multiple times, even through Consumer Financial Protection Bureau. Please see attached documents that have been sent multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX ) XXXX XXXX  Amount : {$7700.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount : {$54000.00} XXXX XXXX ) XXXX XXXX  Amount : {$25000.00} XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX ) XXXX XXXX  Amount : {$7700.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount : {$54000.00} XXXX XXXX ) XXXX XXXX  Amount : {$25000.00} XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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