vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reportina Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX bal {$140.00}, XXXX XXXX XXXX  XXXX bal {$140.00}, XXXX XXXX XXXX XXXX bal {$16000.00}, XXXX XXXX XXXX XXXX XXXX bal {$610.00}, XXXX XXXX bal {$120.00}.

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 2025-07-21 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: NJ

Complaint narrative:
I want to make it absolutely clear that this complaint is valid and must be taken seriously. My credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are having a significant negative impact on my life and must be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: IN

Complaint narrative:
I received a debt collection letter from MRS BPO , LLC dated XX/XX/year>, regarding a loan account referenced as XXXX. I did not receive this letter until approximately XX/XX/year>. 

On XX/XX/year>, I contacted MRS by phone to inquire about the debt and offer a repayment arrangement. During this call, the female representative I spoke with was dismissive and unkind. I explained that I was the primary borrower and willing to resume payments, but she stated she was not interested in working with me and that she intended to pursue my cosigner instead. I informed her that my cosigner had no role in the default and that I wanted to take full responsibility. She continued to disregard my offer, and when I requested to speak with a supervisor, I was placed on hold and later told a manager was in a meeting. I was never called back. 

The next day ( XX/XX/XXXX ), I attempted to file a formal inquiry or dispute through the companys website, but the page repeatedly returned an error message. This issue persisted through at least XX/XX/XXXX, making it impossible to communicate with the company electronically. 

On XX/XX/XXXX, I mailed a certified letter to MRS BPO that included : A formal debt validation request A hardship explanation A repayment proposal offering $ XXXX starting XX/XX/year> A request to cease all collection efforts toward my cosigner, who was not responsible for the missed payments Although the certified letter shows as delivered to their local post office on XX/XX/year>, it still has not been marked as picked up, and I have received no written response to my formal request. As of today, XX/XX/XXXX, 2025just XXXX day before the response deadline of XXXX XXXX have received no contact from MRS acknowledging or addressing my letter. 

I believe the companys conduct is unfair, as I have made good faith efforts to resolve this matter, and my cosigner is being unfairly pursued despite my willingness to pay. Their lack of response and the malfunctioning website have further delayed my ability to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/year>, while traveling from XXXX  to XXXX to reunite with my partner over the XX/XX/XXXX weekend, Ally Bank froze my account while I was attempting to check into a hotel in XXXX, XXXX  after a XXXX XXXX. My debit card was declined. I contacted Ally by phone, chat, and secure message. I was repeatedly told that the restriction could only be lifted by the fraud departmentand that no one from that team would be available until Monday, XX/XX/XXXX- the fourth day after they froze my accounts. 

I was told verbally and in writing that no escalation or override was possible. I would have to wait until Monday. 

Because of these representations, I canceled the trip, had my partner cancel his transit, and drove back to XXXX  on XX/XX/XXXX - XXXX miles round trip. On Saturday, XX/XX/XXXX, I reached Allys fraud department by phone, and they lifted the restriction immediately. This proves the information I received from multiple employeeson different channelswas false and materially harmful. 

Ally has since refunded {$1000.00} for documented out-of-pocket costs ( hotel cancellation, lost transit fare, and partial mileage ). However, this refund does not resolve the issue and I do not accept it as being sufficient : My partner and I did not get to see each other directly because of Ally 's failure to provide a reasonably timely method to redress their freezing of my accounts. 

The problem was not that Ally followed a fraud protocol. The problem is Allys negligent failure to offer reasonable access to redress or escalation, especially during a national travel holiday. 

The misinformation I was given was not isolated. It was repeated in chat, by phone, and in secure message responses. That indicates a systemic internal breakdown, or perhaps policy, not simple customer service error. 

Allys XX/XX/XXXX letter admits that its staff erroneously advised me that resolution was unavailable until Mondayyet offers only partial reimbursement, with no recognition of the lost opportunity their conduct caused. They declined to respond to an invitation, both by phone and by email, for them to reconsider. 

I am not seeking to profit by Ally 's acts. I am seeking to be made whole.

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 2025-07-21 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: CA

Complaint narrative:
I am writing regarding my XXXX XXXX account, which I opened on XX/XX/XXXX, to finance a {$2600.00} Invisalign treatment under a deferred interest promotional offer. I was under the impression that no interest would accrue if I paid the balance within the promotional period. 

I signed up for electronic statements to help save on paper and reduce costs. However, I never received any email notifications with my statements or reminders about the upcoming end of the promotional period. Instead, I had to proactively log in to manage my automatic payments and check my account status. 

On XX/XX/XXXX, I was surprised to discover an accrued interest charge of approximately {$1500.00} added to my remaining balance of {$1100.00}. I was not notified in advance that the promotional period would end on XX/XX/XXXX, and therefore, was unable to make arrangements accordingly. 

Since account opening, I have acted in good faith to fulfill my financial obligation. Upon noticing the interest charge, I immediately contacted XXXX XXXX and offered to pay the full balance, including interest. I respectfully requested a goodwill adjustment to reconsider the accrued interest charge due to the lack of prior notification and my positive payment history. Unfortunately, my request was denied by both the customer service representative and senior account XXXX, and no appeal process or alternative resolution was offered. XXXX made on XX/XX/XXXX. Spoke with rep XXXX and senior account XXXX XXXX. 

I am therefore formally requesting a thorough review of my account and reconsideration of the accrued interest charge. I believe the charge is excessive and was applied without adequate notice, and I am eager to resolve this matter promptly and amicably. 

Thank you for your time and attention. I look forward to your timely response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter is sent in response to a [ letter/phone call ] I received from your office on [ insert date received ], regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am formally requesting full verification and validation of this alleged debt.

I dispute this debt in its entirety and request that all collection activity cease immediately.

Please provide the following documentation for validation : The full name and address of the original creditor, including the original account number and the original amount of the alleged debt.

Verification that there is a valid legal basis for claiming I am obligated to pay the amount you have stated. 

A complete itemized breakdown of the debt, including : The last billing statement from the original creditor ; A detailed accounting of all interest, fees, and payments applied since that billing statement ; The legal basis for any interest charges, including applicable state or federal statutes. 

The date of delinquency as reported by the original creditor, and whether this account is still within the statute of limitations for collection or legal action in my state. 

Important Notice : I am requesting written communication only. 

Please cease all phone calls to my number immediately and contact me exclusively in writing at the address listed above. 

Until the above information is provided and validated, you are not permitted to pursue further collection efforts or report this account to any consumer reporting agency. Failure to comply with this request will be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a voice mail XX/XX/XXXX stating that i have documents to sign from a guy name XXXX XXXX he left a case # XXXX the phone number he left on the voicemail was XXXX i called that number back on Saturday XX/XX/XXXX at XXXX which i spoke with a lady name XXXX she was very rude but she did tell me that i have a debit from CitiBank that is from XXXX thru XXXX and they are sending paperwork to the courts to put a lien on my property I tried to ask her questions on this matter but after i asked her is this fraudulent or a scam she hung up on me. I did not call back until XX/XX/XXXX at XXXX. Which no one answered and i then called back at XXXX XXXX  which a guy answered but put on hold and sent me to a voicemail. no one returned my call. i then called back at XXXX. This time i spoke with a guy who didnt tell me his name. he stated that i will receive paperwork in the mail tomorrow XX/XX/XXXX This is the first time i am notified about this I never had a credit card thru CitiBank.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. It showed 3 late payments on an account that was actually paid on time. The consumer reporting agencies need to report all information with complete 100 % accuracy. This account was not late on these payments. I have attached a of my report showing the inaccurate reporting on the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified days I demand that the payments be updated to paid on time immediately. Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Subject : Formal Dispute JPMCB Card Services Reporting Inaccurate Charged-Off Balance To Whom It May Concern : I am writing to dispute and request the immediate removal or correction of inaccurate and misleading information being reported on my consumer file regarding the following account : Creditor : JPMCB Card Services Date Last Reported : XX/XX/year> Reported Balance : {$690.00} Original Credit Limit : {$500.00} Account Status : Charged-Off This account is not only reporting a balance that exceeds the original credit limit, but it is also continuing to report a balance after being charged off, both of which violate the principles of accuracy and fair reporting under federal law. 

Grounds for Dispute : Violation of 15 U.S.C. 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Credit reporting agencies are required to ensure all information reported is accurate and complete. A charged-off account continuing to accrue a balance beyond the original credit limit is factually inaccurate and misleading.

Violation of 15 U.S.C. 1681i ( a ) Duty to Reinvestigate I am exercising my right to dispute this item. If JPMCB Card Services and XXXX  can not fully validate and document why a {$690.00} balance is being reported on a $ XXXX account, and explain why the balance remains active after charge-off, the item must be immediately corrected or deleted. 

Continued Reporting of Charged-Off Balance Potential Violation of FTC Guidance Once an account is charged off, continued reporting of increasing balances or interest may misrepresent the status and legality of the debt and may falsely influence creditworthiness, which is prohibited under the FCRA and reinforced by Consumer Financial Protection Bureau ( CFPB ) enforcement policies.

Consumer Harm Denial of Financial Access Due to this inaccurate account, I have faced adverse actions from financial institutions, including denial of new credit and basic checking account services, which constitutes material and unfair harm. 

Formal Request : I am formally requesting that JPMCB Card Services Delete the account entirely if the current reporting can not be substantiated. 

Cease any further dissemination of this inaccurate information to third parties. 

Provide me with the reinvestigation results in writing within the legal timeframe. 

If this matter is not resolved promptly, I will file formal complaints with the CFPB, Federal Trade Commission, and my state Attorney Generals office, and pursue all remedies available under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief