vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TN

Complaint narrative:
On XX/XX/XXXX, I lawfully submitted a written dispute requesting debt validation and proof of ownership/unbroken chain of title of the alleged debt XXXX is reporting and collecting on. As required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), XXXX was to cease all collection activities, including credit reporting, until proper validation was provided. 

* To date, as of XX/XX/XXXX, well over 30 days have passed since XX/XX/XXXX, and I have not received any debt validation nor chain of title, as requested according to federal law. XXXX alleged claim that validation was mailed on or around the XXXX day is unsubstantiated, unvalidated, and unproven, as no proof of contents, certified mailing, or tracking confirmation has been provided to demonstrate delivery or authenticity. 

* By law, I am not required to take their word for compliance. Proof of validation and an unbroken chain of title/assignment must be provided to confirm legal ownership of the alleged account. XXXX has failed to provide either. 

* Additionally, the Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ) data breaches have already exposed my personal identifying information. By continuing to report and share unvalidated and fraudulent account information, XXXX and the CRAs have further compromised my data integrity and privacy. * According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies ( CRAs ) can not merely rely on a furnishers data ; they must perform an independent investigation into its accuracy. XXXX 's inaccurate and unvalidated reporting has caused extreme violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX chime sent a text message stated CHIME ALERT: transaction pending verification did you try to use you chime debit card  XXXX XXXX XXXX XXXX XXXX XXXXp Atlanta GA ON TUESDAY XXXX XXXXCHIME ALERT THANK TOU GOT BANKING WITH CHIME MEMBER SERVICE. YOUR ACCOUNT IS BEGIN CLOSED ON YOUR BEHALF AS OF TUESDAY OCT 7 A refund check for 1,807.77 will be issued out via mail to address on file. Please advised it may take up to 30 days to receive refund check.  \nAFTER THAT XXXX  kept calling so I finally asked it was someone from chime closing and also referred my money to at phone number XXXX I filed a police report and information about this transaction. My police report number is XXXX XXXXTHE PERSON BEHIND THE XXXX XXXX XXXX XXXX XXXX XXXX  SHES LOCATED IN VICKSBURG MS SHE THE PERSON EGO CALLED FROM 1844 224-6363 saying her name was Susan from chime. My documents are uploaded about the case. IM VERY UNHAPPY MY KIDS ARE SERVING LIGHTS ARE OFF BECAUSE OF SOMEONE FROM CHIME STATING THEY ARE YOULL WIPING PEOPLES BANKS ACCOUNT DRY.  Ive been banking with chime for almost 4 YEARS I DO NOT APPRECIATE THIS AT ALL.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX Mortgage XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks. I called during the months of XXXX and XXXX to make the payment and they never answered me, nor did I have access to the application since they changed the lender and stayed with the same lender. They only affected my credit. Another thing is that if the bank tells me I only owe {$310000.00}, why do they tell me I owe {$320000.00}?

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Subject : Dispute Inaccurate / Unverified Collection Account Request for Deletion Account Number : XXXX Listed Creditor : Halsted Financial Services/ XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
Reported Furnisher on File : XXXX XXXX XXXX I am disputing the accuracy and completeness of the above-referenced collection account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), and 1681c ( a ( 4 ) .This account is reported as a collection placed with Halsted Financial Services XXXX original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). However, the report also shows XXXX XXXX XXXX as the furnisher or reporting entity. This is a direct factual inconsistency and creates uncertainty about who actually owns or is authorized to report the debt. 
Please conduct a full reinvestigation and verify the following directly with the furnisher ( s ) : 1. Identity of Furnisher / Current Owner Provide documentation proving which entity currently owns the account and is authorized to furnish reporting ( e.g., bill of sale, assignment/chain-of-title, purchase agreement, and the date of transfer ). If multiple entities are involved, provide the dates and documentation for each transfer. 
XXXX. Date of First Delinquency ( DOFD ) Verify the original DOFD with the original creditor ( XXXX XXXX XXXX XXXX. ) used to calculate the reporting period and the removal date. 
XXXX. Account Type / Status Confirm the correct account classification ( this is a collection account ; it should not be listed as an Open or Factoring account ). 
XXXX. XXXXXXXX XXXX XXXX XXXX Verify the current balance and pay status directly with the furnisher. 
XXXX. Proof of Authorization to Report If XXXX XXXX XXXX is reporting, produce proof it is the current owner or that it has an authorized reporting relationship with Halstead Financial Services or XXXX XXXX XXXX. 
If the furnisher can not provide documentation verifying ownership/authorization, the XXXX, or any other material detail, please delete this item from my credit file immediately. 
Please provide written results of your reinvestigation within 30 days, as required by 15 U.S.C.1681i ( a ). If you validate the information, please provide the documentation you relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-14 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
Cavalry Portfolio Services LLC has breached its contractual obligation by failing to comply with the XXXX XXXX XXXX XXXX XXXX ) Consumer Arbitration Rules and the Consumer Due Process Protocol. As confirmed by the XXXX, Cavalry was removed from the XXXX XXXX XXXX and therefore the XXXX declined to administer my arbitration claim. This failure demonstrates Cavalrys noncompliance with fair consumer dispute resolution standards, depriving me of the agreed arbitration process outlined in the contract. Such conduct constitutes a breach of contract and an unfair practice, as it prevents the consumer from exercising their right to arbitration while the company continues to rely on the same agreement when it benefits them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE HELP IM GETTING STRESSED OUT WITH ALL THE INACCURACIES IN MY REPORT, PLEASE REPORT AND TAKE ACTION IMMEDIATLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: MD

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
I am filing this complaint due to multiple hard inquiries reported on my credit file without my knowledge, consent, or any permissible purpose. As outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is written authorization from the consumer or a legitimate, permissible purpose. These inquiries were made without my explicit written consent, in direct violation of 15 U.S.C. 1681b ( a ) ( 2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Furthermore, the credit reporting agency failed to follow the required procedures to ensure the accuracy of the information they report, as stipulated under 15 U.S.C. 1681e ( b ). The continued reporting of these unauthorized inquiries constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. I demand the immediate removal of all unauthorized hard inquiries from my credit report and request that the involved furnishers provide documented proof of my written consent. If they can not provide such verification, the inquiries must be deleted in accordance with the FCRA. The FTC site is currently unavailable, which is why I am unable to create an FTC Identity Theft Report at this time, but this complaint should be treated as part of an ongoing identity theft matter requiring prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) application on XX/XX/XXXX, and received confirmation in early XX/XX/XXXX that it was received and under review. Under federal rules, servicers are required to process IDR applications within 60 days. Instead, after that 60-day period expired, the servicer placed my loans into administrative forbearance without my consent, beginning in XX/XX/XXXX. 

From XXXX through XX/XX/XXXX, I was kept in forbearance solely because the servicer did not process my IDR application. During this period, I repeatedly contacted the servicer to request status updates and asked not to be placed in forbearance. Despite this, my account remained in non-requested forbearance. 

I later received multiple letters from the servicer confirming : That they put my account into forbearance due to IDR processing delays ( XX/XX/XXXX letter ). 
That the forbearance continued despite no action on my part ( XX/XX/XXXX letter ). 
That my IDR request was denied for lowest payment, even though I am eligible for Income-Based Repayment ( IBR ), which I explicitly attempted to pursue ( XX/XX/XXXX letter ). 

This involuntary forbearance caused six months of lost qualifying credit toward loan forgiveness, delaying a federal benefit I have spent years progressing toward. The servicer instructed me to contact Federal Student Aid, while Federal Student Aid directed me back to the servicer, creating a cycle where no party will correct the issue. My last contact with Federal Student Aid was on XX/XX/XXXX, with no response or resolution since. 

I am requesting investigation into the servicers practices, as placing a borrower into forbearance due to their own processing delaysespecially when it harms forgiveness timelinesappears to be an unfair and deceptive servicing practice.

Company response to consumer: In progress
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I received an email from American Express today, stating that my account was under review and I had until XX/XX/year> to pay {$1000.00} to bring my balance of roughly {$3900.00} with credit limit of {$10000.00}, down or else my credit limit would be reduced. To allow 3 days to pay down such a large amount is ridiculous, especially considering my bill is not due until XXXX. This happened last year as well and luckily I was able to pay my balance to {$0.00} after they reduced my limit to $ XXXX. This seems very deceptive for a company to give a credit limit, but yet limit my spending and reducing my limit whenever they feel it is necessary. I pay my bill on time, paying more than minimum each time, but yet this is how they treat paying customers. Its unfair to give false credit limits if they will only allow spending of {$4000.00} max even when the given credit limit is much higher. This doesnt seem legit and my plan is to bring attention to all consumers and I will be cancelling this card. I have several other credit cards and American Express is the only one micromanaging their paying customers spending and reducing credit limits unnecessarily!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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