vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
In XX/XX/XXXX through XX/XX/XXXX, I made multiple good-faith attempts to request proper debt validation for an alleged XXXX account from XXXX XXXX XXXX Despite sending multiple certified mailings, XXXX failed to provide any proof of ownership, chain of assignment, original signed contract, or itemized breakdown of charges. 

Instead of resolving the issue, the account was transferred or sold to Source Receivables Management LLC, who has also continued collection activities and credit reporting without any validation, in violation of the FDCPA and FCRA. 

I have spent over 5 months of diligent effort, investing significant time, energy, and personal financial resources to protect my rights as a consumer and request fair validation. The cost of repeated certified mailings, lost time from my children, and XXXX XXXX have placed an unnecessary burden on me and my family. Every XXXX  and second spent pursuing a rightful resolution was a dollar and time taken from my household, my children 's necessities, and our well-being. 

I respectfully request the immediate deletion of this unverifiable collection account from all credit bureaus and the permanent cessation of any further collection activities. This situation has caused unwarranted humiliation, hardship, and disruption to my life and I seek full relief and correction under the FDCPA and FCRA. 

Attached Exhibits : Certified return receipt showing XXXX XXXX Services received my debt validation letters and failed to respond appropriately. 

Copies of my formal debt validation letters sent to XXXX XXXX XXXX and Source Receivables Management LLC. 

Collection notice from Source Receivables Management LLC attempting to collect without providing prior validation. 

These attachments support my claims of unlawful collection activity and failure to validate the debt under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-04-27 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: IN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Cease and Desist Communication Regarding Alleged Debt Account No. XXXX To Whom It May Concern, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you CEASE AND DESIST all further communication with me regarding the alleged debt referenced above.

According to my records, I have no contractual agreement with Midland Credit Management regarding this alleged debt originally with XXXX XXXX XXXX XXXX. Furthermore, this account has been charged off as of XX/XX/XXXX, and any further attempts to collect on this account may constitute a violation of my rights under the FDCPA. 

Additionally, the reporting of this alleged debt is inaccurate and disputed. I hereby request that you : 1. Cease all forms of communication with me regarding this matter.

2. Cease reporting this account to any consumer reporting agencies.

3. Provide proper validation of the debt if you intend to continue collection efforts ( though communication must cease until validation is provided ).

Be advised that any further communication beyond what is permitted by law, including but not limited to threats, continued reporting of disputed information, or legal action without validation, will be considered harassment and a violation of the FDCPA and other applicable consumer protection laws. I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general.

Please provide written confirmation that you have ceased collection efforts and ceased reporting this account to the credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
To : CFPB Complaint Submission Portal Subject : XXXXuto Loan Repossession Global Lending Services My name is XXXX XXXX, and I am submitting this complaint regarding an auto loan that resulted in a repossession with Global Lending Services, amounting to {$10000.00}. 


Account Info : Creditor : Global Lending Services Account # : XXXX Subscriber Code : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX This loan was co-signed during a time when I was experiencing financial and emotional abuse. I never agree with this vehicule because we were a small family and we didnt needed XXXX vehicles and financially it was over our budget. 

My ex-partner abandoned the loan and I was left solely responsible. I'm not XXXX % sure if the vehicle was repossessed, but I never received proper documentation about any sale or repossession. I never drive this vehicle, never touch it and he is just despair. 

I am a single mom with no support, working to rebuild after serious hardship. 

I am asking for : - Full documentation : loan details, sale info, final balance - Consideration for the context of abuse and abandonment - A review for possible removal. 

Thank you for reviewing this with compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
I have provided documentation relating to my loan on three different occasions. The documentation relates to a {$5000.00} teacher loan forgiveness. The last documentation I provided was from XXXX XXXX XXXX XXXX, being the third time theyve submitted paperwork showing that Ive been a certificated teacher with them since XXXX. EdFinancials form provides for only ONE entry and they wanted to know every school I worked for within the district with dates and locations. So our HR was kind enough to provide separate EdFinancial forms for each of the schools I worked at from XXXX  to present, despite that not being necessary. I once again got a rejection letter that my documents are not complete. When Ive tried to speak with them on the phone, they give me the run around and cant properly explain why their form has room for only one entry. Our own direction of Human Resources has noted other teachers with the same issue. It appears as though that EdFinancial is deliberately trying to stall in order for borrowers to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I sent a picture of a receipt from XXXX on XXXX XXXX XXXX and spoke to the store manager saying she would refund it ( they never refunded me for the XXXX dollar transaction but only for the XXXX dollar transaction, I sent a picture of that refund receipt and you all still denied that dispute ( I still have the receipt and if I send it again and you see I'm telling the truth I will get my attorney involved because now I know I'm being robbed by chime now. I also stated I had a police report number for all the other transactions and said I would get that turned in as well but needed time due to me trying to get mental health help ( this money loss caused a mental breakdown ) my children and I are XXXX because of this. I spoke to XXXX at chime and she told me to get the report turned in she never stated that there was a time limit or that it was time sensitive. Chime claims they need proof but won't give the due process to get documents turned in. I'm XXXX, XXXX XXXX, in and out of the XXXX XXXX and so much more. I am not always around my phone, they hold me for XXXX hours at a time. I told XXXX that I wanted to file a complaint with Chime because I already filed with the XXXX and she said that I would get a provisional credit by XX/XX/XXXX once I gave the case number. I live out of state and no longer live at that address on my account and don't have an address at the moment, all mail is being held so this makes it harder on me. This is how you treat customers? I've had refund receipts for all my disputed transactions and you can act like you never received them all you want I will take this to court after I go viral for exposing chime as a fraud. There has already been a lawsuit filed from chime swiping customers funds then closing the accounts and not sending their money in a timely fashion so now you let people steal funds say you done an investigation with no proof whatsoever and close the account for fraud? I'm the victim here, my money was stolen, and you treat me like I'm the villain and just for the pain and suffering of having to do all this I'm going to get my attorney involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request via certified mail to Sentry Credit concerning a collection account ( # XXXX ) they reported on my TransUnion and Experian credit reports. 

According to the Fair Debt Collection Practices Act ( FDCPA ), collectors must cease collection activities and validate debts upon consumer request within XXXX days. I provided full identification documentation and requested verification of the alleged debt. 

The XXXX return receipt confirms Sentry Credit received my request on XX/XX/year>. However, as of today ( XX/XX/year> ), I have received no response or validation from Sentry Credit. They have continued reporting the tradeline without proper validation, which constitutes a violation of FDCPA Section 809 ( 15 USC 1692g ). 

Despite receiving my formal dispute and validation request, Sentry Credit updated my TransUnion ( XX/XX/year> ) and Experian ( XX/XX/year> ) reports without providing proper validation. This continued reporting without validation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB investigate Sentry Credits failure to validate this alleged debt, require deletion of the tradeline from all credit bureaus, and ensure that Sentry Credit ceases any collection activities related to this account unless and until full validation is properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IN

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has wrong amount of debt false information on my credit report. It is hurting my credit score over false information. It states I have XXXX open account, total debt XXXX. Absolutely not, I dont have XXXX account opened. I have XXXX debt. Also stating that I have an account thats negative with late payment. With affirm, an account that has been removed of my credit but experien. By all means please fix this matter.

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 2025-04-27 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: NY

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Personal Statement Personal Statement Personal Statement i have several hard inquires on my credit that i did not authorize. i wad apart of a data breach and i will like these removed. 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 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 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 non-monetary relief
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report that are completely unassociated with me. These unauthorized inquiries have caused significant mental and financial distress, preventing me from purchasing my dream house and adequately providing for my family 's needs. As a victim of identity theft with documented evidence submitted to the Federal Trade Commission, I now find myself with no alternative but to consider legal action if this matter is not appropriately addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-04-27 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-27 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate charge-off reporting on my XXXX XXXX XXXXXXXX credit card account across all three major credit bureaus : Experian, Equifax, and TransUnion. 
The correct charge-off date for this account is XX/XX/XXXX, as reflected accurately by some credit reports. However, the bureaus are continuing to report this account as past due well after the charge-off date, which is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
Once an account is charged off, reporting of past-due amounts or continued late payments should stop. This account should not reflect a past-due status beyond the charge-off date. 
FCRA Violations Involved : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681c ( a ) ( 4 ) : Reporting time limits for charge-offs and negative account history.

Despite my dispute submissions, Experian, Equifax, and TransUnion have failed to correct this inaccurate reporting. The current reporting continues to show past due balances after the charge-off date, which violates FCRA requirements. 
Additional Context Economic Hardship Due to XXXX Pandemic : My account became delinquent during a period of severe economic hardship caused by the XXXX pandemic. On XX/XX/XXXX, onsite work at my job was fully paused due to pandemic restrictions. After this date, my employer reduced our wages by three-quarters of our pay, leaving me with only a fraction of my normal income. 
During this time, the job market collapsed many companies were engaging in mass layoffs, and no new jobs were being created because we were forced to stay inside and shelter in place. Like millions of others affected by the global economic shutdown, I had no control over the situation. 
To survive this period, I received Pandemic Hardship Assistance from both federal programs and the State of Georgia from XX/XX/XXXX through XX/XX/XXXX. Despite these efforts, I was unable to maintain my regular financial obligations during this crisis. I contacted XXXX XXXX XXXX to seek payment arrangements or hardship accommodations, but they were unwilling to provide any flexible options. 
Thankfully, I was eventually able to find career opportunities and move forward, but this inaccurate and inconsistent credit reporting continues to harm my financial recovery and unfairly penalize me for circumstances outside my control.

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