vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
It seems that the dispute fraud dept has taken an old resolved dispute that had been finalized ( which had nothing to do with the XXXX XXXX disputes ) and combined them so that they could subtract some of the old credit from the XXXX XXXX dispute. This lowered the amount of credit given back. Let me be clear, this is a major banking violation. CFBP needs to get involved and fine immediately. Different fraud disputes that are from different companies can not be combined so that the dates negate reg e and less credit is given. They are to be treated differently. Please see email below from investigator. 



Email- I have received your request to add the three additional fraudulent transactions from XXXX totaling {$2900.00} to your original case, due to the additional fraud being reported is on the same debit card. 



The initial XXXX transaction occurred XX/XX/year> which resets the Federal Reg E time frame for the case ( statement plus 60 days plus Schwab courtesy of an additional 10 days ). 



The new coverage time frame is XXXX, XXXX, XXXX through XX/XX/year>. However, the original reporting coverage time frame was through the end of XXXX. Thus, the transactions that were credited between XX/XX/XXXX, XXXX XXXX, 2025, totaling {$1600.00} under the new reporting would be considered outside of coverage time ( with the new fraudulent transactions reported this time frame is now considered additional credit which would be outside the Reg E time frame ). This change will result in a final credit of {$1200.00} ( $ XXXX $ XXXX {$1200.00} ). 



The final credit of {$1200.00} has been issued as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I randomly found out 2 weeks ago ( today is XX/XX/year> ) that {$2400.00} was added on my credit report by Qualia Collection Service as a hard inquiry. However, I do not owe any of such loan. So, I contacted Qualia Collection Service ( filling their online form ) twice during the past week to explain the situation, and most importantly, to ask who is the original creditor for sanity check. Up to today, I still have not heard anything from Qualia Collection Service. I still do not understand where the {$2400.00} added to my credit report is coming from. Finally, my credit score plunged from XXXX to XXXX because of that added Collection.

So, I would like to know who is the original creditor for the {$2400.00} added to my report, and then having that removed from my report to get my credit score restored as soon as possible.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
the debt balance of {$2100.00} that has been reported under my name. I do not recognize this debt, and despite multiple attempts, I have been unable to reach or establish contact with Chase client services for clarification or resolution. 

Disturbingly, at one point Chase client services offered me a lower settlement amount, which suggests there was already some uncertainty or consideration regarding the validity of this debt. However, I was never able to connect with anyone to finalize any agreement. To the contrary, the account was transferred or sold to a debt collection agency without providing me with clear documentation, proof of debt, or a confirmed settlement plan. 

This complete breakdown in communication has placed me in a deeply unfair and damaging position. The reported balance remains unverified, and the absence of documentation or confirmation that I am indeed responsible for this debt has caused severe negative repercussions on my credit profile and financial well-being. 

On XX/XX/year>, I became aware of a reported balance of {$2100.00} tied to J.P. Morgan Chase. I am disputing the accuracy of this balance. 

Previously, I was contacted by a client services company that claimed to have purchased this account and offered me a reduced settlement amount to resolve it. Despite multiple attempts, I have been unable to reach them to complete the settlement. This has created confusion about who currently owns this debt and what the correct balance is. 

Because the account was apparently transferred or sold, I request full verification of the debt, including documentation of ownership, the correct outstanding amount, and clarification of the settlement terms I was offered. Until this information is provided, I dispute the reported balance of {$2100.00} as inaccurate and incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
XXXX - I accrue a debt with XXXX other people XXXX - one person pays their portion and is released from the debt XXXX - I pay off the debt to NCAC and am released from the debt. I receive a receipt, official confirmation of release, and an update to my credit report. 
XXXX - NCS seeks the same debt from me. The three of us were supposed to pay off our own third of the debt but I had already paid mine off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NM

Complaint narrative:
I am writing to report an unauthorized inquiry on my credit report, which I believe to be fraudulent. Upon reviewing my report, I discovered an inquiry from a company I have not engaged with. I have not applied for any new credit nor given consent for this inquiry. This activity is very concerning to me, as I take my financial privacy seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
I have loans with MOHELA! I have many receipts where I sent full legal payments to them and they did not clear my account. I sent a letter to XXXX XXXX with copies of my receipts and 1099 for my account. They have not did nothing towards my account. And, I only went to XXXX XXXX XXXX and UMA. Completed both schools. They have a Promissory Note for a school I did not attend and can not produce the Promissory Note for XXXX XXXX XXXX XXXX XXXX XXXX! They sent a letter stating it did not matter where I attended, they all under the same Promissory Note. Absolutely not! They keeping money, securities and more from me. I just wanted them to do their FIDUCIARY DUTIES towards my account. And, their Indenture Trustee has gotten Security Instruments from me as well for my account. I have all my receipts and letters I sent to MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
b'THIS IS NOT A COMPLAINT\n\nPayment Tender and Declaration of Security Interest\n Date: XXXX XXXX XXXX \n\nFrom: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: Bridgecrest Credit Company, LLC Attn: Payment Processing / Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Tender of Payment by Negotiable Instrument and Security Interest Declaration \n\nDear Bridgecrest, I have mailed another money order in the amount of XXXX dated XXXX XXXX XXXX, via USPS for next payment due. \n\nThe money order number is XXXX, made payable to Bridgecrest. \n\nThe back of the money order was endorsed as follows: "Pay to the order of XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  For credit only." \n\nThis endorsement constitutes a restrictive endorsement pursuant to Tex. Bus. & Com. Code  3.206(a), and is intended solely to direct application of the instrument as credit to my account. \n\nThe instrument is not a gift, donation, or blank endorsement, but a payment tender for setoff. \n\nFurthermore, I declare that the instrument is issued as a conditional payment and constitutes a security interest under Tex. Bus. & Com. Code  9.203(b), to be held solely for credit toward monthly obligations on the contract dated XXXX XXXX XXXX, executed with XXXX XXXX. \n\nThis declaration serves as an allonge and amendment by reference to the original agreement and shall be treated as part of the payment documentation and instrument history. \n\nNotice of Tender and Conditional Discharge: \n\nThis instrument constitutes lawful tender under Tex. Bus. & Com. Code  3.603(b). If Bridgecrest or its agents refuse to accept or apply the endorsed instrument as instructed, such refusal shall be deemed a rejection of proper tender and shall discharge the corresponding obligation to the extent of the tendered value. Please confirm that the instrument has been properly applied and that no late fees or adverse reports will be applied to my credit. \n\nSincerely, XXXX XXXX XXXX Account #: XXXX  \n\nTracking Number for mailed payment: XXXX XXXX XXXX XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of a collection account appearing on my credit report. The account in question is listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have reviewed my credit report carefully and have no knowledge of or authorization for this account. I have never opened, agreed to, or authorized any debt with this creditor or collection agency. This account may have been reported in error or could be the result of fraud or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter. Please provide : XXXX. Verification and documentation proving that I am legally responsible for this debt, including my signature on any agreement. 
XXXX. The name and address of the original creditor, as well as dates and amounts related to the debt. 

If you can not verify this debt as accurate and mine, I respectfully request that you remove this unauthorized collection account from my credit report immediately. 

Please provide the results of your investigation in writing within the XXXX timeframe as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Who can I talk to for three credits, its a mess and I received a letter from one of my clients who wrote the credit report to delete the account off, as close. Im so confused about whats happening here. My husband paid for cars of our own and furniture and his scores are N/A or no score. Now I had a score of XXXX in XXXX and now its XXXX. Its really hard for us now that we are older. Last year I had to have an XXXX  XXXX and I almost XXXX. Everything has gone downhill for me and my husband and no matter how hard it gets we are still trying to figure out what happened and how we are going to get back on track. But the credit report is wrong, please help us figure this out, Thank you, 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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.

Complaint narrative:
Halsted Financial is attempting to collect a debt that was already disputed with the original owner, XXXX XXXX XXXX. I have requested validation under FDCPA 15 U.S.C. 1692g ( b ), but they have continued collection activity by sending text messages and possibly reporting to the credit bureaus. This is a violation of the FDCPA and the FCRA ( 15 U.S.C. 1681s-2 ) as no written notification or proper validation was provided before reporting. I demand immediate investigation, removal of the account from my credit report, and a cease of all communications until full validation is received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 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: NC

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
RE : CEASE AND DESIST UNLAWFUL DEBT COLLECTION ATTEMPTS * * To Whom It May Concern : I am writing to formally request that you * * cease and desist all forms of communication with me * * regarding any alleged debt. Under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ) * *, I have the right to request that a debt collector stop contacting me. I am exercising that right with this written notice.

Please be advised that I do not wish to receive any further phone calls, letters, emails, or other communications from your office. If you believe I owe this debt, you are required by law to provide written verification of the debt, including the name of the original creditor and the amount claimed.

Furthermore, if you continue to contact me after receipt of this notice except to confirm in writing that there will be no further contact or to inform me of specific legal actions being taken you will be in violation of the FDCPA, and I will not hesitate to file a complaint with the * * Federal Trade Commission ( FTC ) * *, the * * Consumer Financial Protection Bureau ( CFPB ) * *, and my * * State Attorney Generals Office * *. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
These accounts were opened fraudulently and are not mine. Please take prompt action to remove them and investigate the matter. Attached is relevant evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX The FTC filed on XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor 1 : XXXX, Date of Inquiry : XX/XX/XXXX Creditor 2 : XXXX, Date of Inquiry : XX/XX/XXXX Creditor 3 : XXXX, Date of Inquiry : XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: IN

Complaint narrative:
I have been harassed and threatened by this company

Company response to consumer: Closed with explanation