vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank has called me repeatedly since Sunday ( XXXX XXXX  XXXX ) to today ( XXXX XXXX  XXXX ). They have called from their number and an unknown number 10 times since Sunday ( see attached screenshot ). When I finally answered the unknown number yesterday, they said nothing and disconnected the call. 

I received my statement in the mail from Comenity Bank yesterday afternoon. During the review of the statement, I noticed that I was assessed a late fee of {$41.00} ( transaction date XXXX XX/XX/XXXX ). 

I called Comenity Bank this afternoon to discuss the status of my account and to request that the late fee be waived. My offer to them was to pay the past due balance, current balance and subscribe to autopay through billpay ( to ensure that they get payments in a timely manner ). I offered that in exchange for a total waiver of the late fee. However, I was told by an associate and a supervisor that they could only waive {$15.00} of the {$41.00} late fee. They went on to say that I had a late fee waive XX/XX/XXXX in the amount of {$41.00}. However, the amount " that amount [ we ] can waive is random... ''. The first representative told me that on a recorded line. That statement is considered an unfair business practice if that in fact is true. With that being said, I am requesting that the FTC review the phone call ( specifically with the first associate ) from today ( XXXX XXXX XXXX ). Later in the call, I spoke with a supervisor from the same department and another supervisor from collections. The reason I asked to speak with collections is because the supervisor told me that their collections department waived the {$41.00} late fee in XX/XX/XXXX. I made a final attempt to have the {$41.00} waived by presenting the same offer. However, I was told that the fee would not be waived and they asked me for my debit card number twice. I'm not even sure if the debt disclosure was read when asked the initial time ( by the collections department ). 

I strongly believe that this matter is worth an investigation for the following reasons-harrassment, intimidation and unfair collection practices. According to laws that protect consumers, Comenity Bank should be assessed fines for each time they called me from an unknown number ( at the minimum ) and a fee should be assessed for unfair practice ( " that amount [ we ] can waive is random... ''. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-04-02 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: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
This vehicle was a lemon and the engine blew up within 6 months of my having it. The company made no attempts to rectify the problem.

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 2025-04-02 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: NC

Complaint narrative:
I moved out of my apartment on good terms it showed I owed about {$460.00} I paid it a little late as I never got the letter my forwarding address was incorrect on the apartment end. But when I apply to apartments it shows as an eviction and the apartment complex is confused as well as the creditor but with apartment application is being ran through EXPERIAN and equifax. I have been getting denied for places when I dont have eviction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This company is not the original debtor and they are trying collect more than what was owed to the original company. They claim they sent documents I have never received anything from them but harassing calls just recently since i have sent in the last complaint. I don't have any knowledge of this company or the debt they are trying to collect from me. i mailed a certified letter asking them to delete the charges off all my credit profiles under the fair credit act law. They still remain on all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My account wasnfrozen for suspicious activity and i only sent money 2 two friends. And payed for something on XXXX XXXX  and they froze my account. I sent bank statements ID in for verification. They kept telling me I needed to send documents in I sent my XXXX statement in 4 times and XXXX XXXX statement in multiple times. Screenshoted my virtual card sent it to them then they state they are closing my acciunt and i have to wait 180 days. To maybe get my funds. This is crazy i have done everything they asked and they closed my account after denying me that option upon my request to have my funds transferred and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Genesis Credit Management LLC is reporting a {$34000.00} rental-related collection account on my credit report. I have disputed this account multiple times and requested full validation. The only documentation they have provided is a copy of a lease, which does not validate the debt, prove liability, or confirm they have the legal right to collect or report it. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. This debt remains unverified and is damaging my credit. I do not acknowledge the validity of this debt and have not received lawful validation as required. I am requesting immediate removal of this account from all credit bureaus. 

I have attached documents showing that the only response from Genesis was a lease, which does not constitute valid debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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: AL

Complaint narrative:
I was informed on XXXX 's recorded line that if I paid {$100.00} towards my XXXX XXXX, it would fully satisfy the remaining balance, and no further payments would be required, resulting in the closure of the account. Despite being informed on XXXX 's recorded line that a {$100.00} payment would fully satisfy the remaining balance and close my account, XXXX has failed to uphold this agreement. Instead, they have added the balance to my credit report and sent it to collections. I contacted the collection agency, and they stated that only XXXX could resolve this issue. However, my attempts to reach XXXX have gone unanswered. I am requesting the immediate removal of this inaccurate debt from 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 2025-04-02 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 am requesting that the information below be delted from my file. The items to delete are inicated in the report. I am an identity theft victim and did not reeive the charge. I am requsting the items be dleted to remedy my credit report. I have reported the identity theft to the Federal Trade Commission and I have also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Remove the items at your earliest convenience.

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 2025-04-02 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: TX

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I don't have any information other than the collection agency name radius global and a amount this just showed up on my credit report i don't remember owning anyone the amount they claim i owe. I turned everything in on my bankruptcy 2 years ago

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 2025-04-02 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-02 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-02 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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 XXXX XXXX XXXX XXXX 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a XXXX man living in California. I suffered a XXXX last year that forced me into XXXX XXXX. After two years of being XXXX  and fighting to get XXXX benefits, I finally received a portion of my retirement payout $ XXXXwhich was deposited into my Chime account. 



Chime immediately froze my account and held the money. I complied with their requests and submitted my drivers license, utility bill, and documentation from the investment company that originated the retirement funds. After review, they unfroze the accountonly to freeze it again a day later. 



I am now staying in a motel and have no access to my money. I have no food, no way to pay for shelter, and I am experiencing tremendous XXXX XXXX XXXX XXXX, which is especially dangerous given my medical history. 



Despite repeated contact and full documentation, Chime keeps giving the same generic response : under review. I can not survive like this. I need urgent access to my legally earned and fully documented funds. 



Amount in dispute : {$100000.00} Im requesting immediate release of my funds and written confirmation of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
I received a debt collection notice in the mail that I owed {$710.00} for XXXX XXXX XXXX. It does not state what this debt is for, only that it is in collections for this amount as of XX/XX/scrub>/2025. This came from The Receivable Management Services LLC. I called the number, XXXX and asked what this was for. He told me it was for a workers comp claim and for XXXX XXXX XXXX XXXX. I informed him that I have never been injured at work in my life nor my husband as this was directed to both of our names. I did have XXXX XXXX for home owners insurance and XXXX for boaters insurance. I called XXXX XXXXXX/XX/XXXX and they informed me that this was fraudulent and that nothing was filed in their system about this. I did not call The Receivable Management Services LLC back as I am nervous of what additional things they can take from me for information. This is a serious problem and hopefully is not impacting my credit in some way. Please shut this place down from doing this to someone else and they will in fact pay it.

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 2025-04-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-02 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: GA

Complaint narrative:
Dear Credit Bureau I am writing to formally dispute the late payment reported on my credit file associated with my accounts XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I believe this information is inaccurate and request your assistance in correcting it. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. The relevant sections of the FCRA include : - Section 609 : This section gives consumers the right to request information in their credit file.

- Section 611 : This section outlines the procedures for disputing inaccurate information.

In my case, the late payments reported does not accurately reflect.

I respectfully request that you investigate this matter and remove the inaccurate late payments from my credit report as required under the FCRA. Please provide me with written confirmation of your findings and any actions taken regarding my dispute.

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief