vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: T.S. Holdings
State: IL

Complaint narrative:
I tried to contact this company to pay a debt. I can not believe the conversation that transpired when I called literally with a card in hand ready to pay the amount I owed. The representative on the phone WOULD NOT let me pay it. Instead she kept bringing up another balance when I was asking to pay an amount owed. I kept saying to the woman I have a card in my hand ready to pay will you please take my number and let me pay this. Instead I received a lecture on how " I need to get my life together ''. Which is not a way to treat anyone especially someone on the other end of the phone attempting to pay a debt and actively denying them the ability to pay it. This was the wildest and most insane experience I have every had. How can I attempt to pay what I owe when the company will NOT TAKE MY MONEY? If you need proof please pull the call from them. It was made on XX/XX/year> at XXXX central time. The representatives supervisor was named XXXX XXXXshe advised me. If you pull that call you will hear me asking to pay the XXXX dollars owed and the representative evading the payment, which is absolutely ludacris when I am trying to pay off something in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Account XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am filing a complaint regarding my XXXXXXXX XXXX account ending in XXXX. A 30-day late payment was inaccurately reported for XXXX XXXX. I made the payment on time, and this reporting is incorrect. 

I have requested that XXXXXXXX XXXX provide documentation verifying the late payment, but they have not done so. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ), furnishers are required to report accurate information. Under 1681i, the credit bureaus must also conduct a reasonable investigation. Neither party has met these obligations. 

I am requesting the removal of this inaccurate late payment from all credit bureaus ( XXXX, Experian, and XXXX ) as it is damaging my credit profile and was not reported correctly.

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 2025-05-12 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I called Chime at XXXX PM about a dispute related to a transaction with XXXX. The representative told me that XXXX had already approved the chargeback and that Chime was just waiting on the funds to be deposited. 

Later that same day, at XXXX PM, I spoke to another Chime representative who told me that was not true that XXXX had not approved anything. This confirmed that I was given false information about my account and the status of my dispute. 

I then asked for the name of the employee who gave me that misinformation and access to the call recording. I was denied both. I was also told that I needed legal representation to access my own call, even after I made it clear that I legally represent myself. I was dismissed and left with no resolution. 

This experience caused me significant emotional distress, anxiety, and fear that my account might be closed for asserting my rights. It affected my ability to plan financially and created unnecessary confusion and mental pressure. I am now filing this complaint to hold Chime accountable and seek compensation for how they handled this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

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 2025-05-12 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: CA

Complaint narrative:
I am disputing the inaccurate charge-off entry reported by XXXX XXXX on my TransUnion credit report, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a balance of {$1200.00}. This account information is outdated and likely compromised due to a data breach, resulting in false reporting that is damaging my credit. Given the age of this account and the potential mishandling of my personal information, this entry should have been removed or properly verified before being reported. Failing to do so constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i and 15 U.S.C. 1681n, TransUnion is required to ensure the accuracy of the data it reports, including charge-off information. Reporting inaccurate, unverifiable, or outdated data not only violates federal law but also undermines the integrity of the credit reporting system. This kind of negligence must be addressed immediately to prevent further harm to my credit profile.

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 2025-05-12 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: FL

Complaint narrative:
I am in disagreement with this account which still appears on my credit report, even after your investigation. I would like this item to be re investigated immediately. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up, Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 

Account name : XXXX XXXX Account number : 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 2025-05-12 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: TX

Complaint narrative:
I graduated from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX. 
My ability to repay this loan was depleted after my mother 's major XXXX in XXXX. 
I became her XXXX caregiver and was unable to repay due to my low income status. 
I qualified for deferment status and continued to qualify as to this current date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
XXXX at XXXX pm my info from a prepaid {$50.00} XXXX debit card was taken down by a XXXX XXXXh and spent at XXXX XXXX XXXXXXXX, I sent a letter to XXXX, no response yet they did create a case number. The tech spent all of the {$50.00} that was loaded on the card while i was on the phone and then requested another card and charged that XXXX, the second card i had shut off and disputed the charge and it was removed within XXXX mins of calling.as this was a " free trial ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and their legal representatives, Klima XXXX XXXX, XXXX, for knowingly reporting inaccurate and misleading information to all three major credit reporting agencies despite a court settlement and full payment. 

In XX/XX/XXXX, I was sued by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and the matter was formally settled in court. As agreed in the settlement, I paid the full amount in XX/XX/XXXX, with final payment completed on XX/XX/XXXX. The deadline to complete the payment was XX/XX/XXXXXXXX XXXX 

Despite this matter being fully resolved through the court system and payment made in full, XXXX XXXX verified the debt as open and with a balance of {$610.00} to the credit bureaus on XX/XX/XXXXXXXX XXXX XXXX days after payment. 

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), as the debt : Is no longer owed, Was settled and satisfied via legal agreement, And is being reported in a way that is knowingly false and harmful to my credit profile. 

On XX/XX/XXXX I sent letters to both XXXX XXXX and Klima Peters & Daly XXXX XXXX, providing proof of the court settlement and final payment. To date, I have received no response, and the derogatory tradelines remains active on my XXXX XXXX XXXX XXXX credit reports. 

I am requesting thaXXXX : 1. XXXX XXXX immediately cease all false reporting and update the tradeline to remove it entirely. Remove both XXXXXXXX XXXX  entry and the original loan tradeline ; as both are still showing even though it was sold. 
2. The CFPB to investigate this entity for knowingly misrepresenting the status of a settled debt. 
3. Any further reporting or collection attempts on this matter be permanently stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Capital Bank has failed to properly correct or investigate multiple FCRA violations I formally disputed. Despite receiving my Final Notice via certified mail ( signed XX/XX/XXXX ), they continued to ignore my legal right to receive a full consumer file under FCRA 609 and did not address the re-aging of charge-off reporting. 

XXXX XXXXXXXX account was charged off XX/XX/XXXX, yet Comenity continued to update this charge-off monthly until XX/XX/XXXX ( after I paid the balance in full ). This falsely extended the delinquency timeline, drastically damaged my credit, and is a known FCRA violation. I also requested account documents and full consumer records, which were never provided. 

Additionally, XXXX closed my XXXX XXXX XXXXmy oldest credit linewithout prior warning during a time of financial hardship. They claim a letter was sent in XX/XX/XXXX, but I never received it. This closure caused my credit score to drop over 50 points and significantly impacted my ability to secure housing and insurance.

I am including legal documentation showing : My mailed Final Notice and XXXX green card Their own response uploaded to CFPB admitting continued monthly charge-off reporting Experian screenshots showing over 20 months of charge-off updates I am requesting : 1. Full deletion of all Comenity Capital Bank accounts from all credit bureaus 2. A {$75000.00} settlement for damages 3. Immediate compliance with my legal document requests

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-12 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: MS

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
To Whom It May Concern, Subject : Identity Theft Dispute Round 2 Request for Immediate Removal of Fraudulent Accounts and Inquiries under FCRA ( 15 U.S.C. 1681c-2 ) I am writing to dispute fraudulent and unauthorized information listed on my XXXX  credit report. Upon review, I identified several fraudulent accounts and inquiries that I did not authorize or initiate. This is my second attempt to resolve this matter, and I am escalating my request for immediate action under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

These fraudulent entries continue to severely affect my ability to maintain good credit, which is vital for my personal and financial wellbeing. I request your immediate attention to this matter and appreciate your cooperation in correcting 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 2025-05-12 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: MO

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Unverified Items from Credit Report To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies and/or furnishers for failure to comply with the Fair Credit Reporting Act ( FCRA ) : Experian / TransUnion / Equifax / XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed several negative items appearing on my credit report that are inaccurate , incomplete , unverifiable, and/or obsolete. These items have not been validated within the required timeframe, and my previous disputes have either been ignored or falsely verified without proper investigation or documentation. 

Under Section XXXX and XXXX of the FCRA, I demand full documentation of any item verified as accurate. If such documentation can not be provided within the statutory time limits, these items must be deleted immediately. Continued reporting of these items without verification constitutes willful noncompliance and a violation of my consumer rights. 

I am requesting immediate CFPB investigation and enforcement action, including : Full removal of all unverified negative items Written confirmation of the results Fines or penalties for furnishers and/or agencies failing to comply with federal law Attached you will find my credit report, prior dispute letters, and any related documentation. This is your official notice to investigate and take corrective action without further delay. 

Thank you for your time and urgent attention to this matter. 

Sincerely

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