vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Cell : ( XXXX ) XXXX ( text first ) Date : XX/XX/year> To : Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX And To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, This letter serves as formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that I, XXXX XXXX, am exercising my right to request that you cease all communication with me regarding any alleged debt purportedly associated with the following accounts : Hunter Warfield , Inc. Account No. : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally prohibited from contacting me further except to : Advise me that your further efforts are being terminated ; Notify me that you may invoke specified remedies ; or Notify me that you intend to invoke a specified remedy permitted by law. 
Be advised that any future communication from you or your agents, except as allowed by law, will constitute a violation of the FDCPA and will be documented as evidence in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Washington State Attorney Generals Office. 
I also request that any and all telephone contact cease immediately. All future correspondence must be in writing and sent via U.S. Mail to the address listed above. 
This letter is not to be construed as acknowledgment of any debt, nor as consent to any continued collection efforts. I dispute the validity of any alleged debt referenced and require that you cease any further collection activities immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CHALLENGE FINANCIAL SERVICES
State: AZ

Complaint narrative:
Dear [ Arizona AG / CFPB ], I am filing a complaint against Challenge Financial Services , Inc., regarding my auto loan account Recently, I discovered that my online payment option has been restricted without proper explanation. and am committed to continuing timely payments. The restriction of this payment method has created unnecessary difficulty in managing my account. 

I have attempted to resolve this directly with Challenge Financial through written correspondence, requesting : 1. A clear explanation for the restriction.

2. The conditions required for reinstatement.

3. Immediate restoration of online payment access.

Despite my efforts, I have not received a satisfactory response. I believe this action may constitute unfair or deceptive business practices under Arizona law ( or violate federal consumer protection regulations ) by limiting reasonable access to payment methods.

I respectfully request that your office investigate this matter and assist in resolving the issue by requiring Challenge Financial to restore online payment access and address any improper restrictions.

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I had opened my XXXX  internet service account in XXXX and closed my account in 2023. Returned their equipment and had been paying my bills every month. XXXX never sent me any outstanding bill and had no problem. The equipment was returned to the XXXX in XX/XX/year>. 
Previously I received notices from other collection agencies and I told them that the equipment was returned and monthly dues were paid by me every month through my bank account. I included the copy of the receipt of the equipment to them and then those collection companies told me that they shall not be pursuing this matter as it seemed to them it was not my fault at all. 
This company CBE Group has been asked so many times to let the XXXX send me all the billings each month that they sent me and the amounts that were paid to them each month so that I can review when I did miss any payment if so. CBE Group sent me some bill of {$140.00} but never showed how did they get that amount and are not willing to share with me the monthly dues that XXXX sent me and the payments I made to them. There is no justification given as to how they got that amount whatsoever. Without getting verification, there is no way I can understand their billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
Yes, based on the analysis of your credit report, there are several significant inconsistencies and potential errors that could be violating the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy. 
These errors primarily involve contradictions in dates and amounts, especially for closed or charged-off accounts. 
Here is a summary of the accounts with errors and the specific discrepancies found : XXXX. XXXX XXXX ( Installment Account ) * Contradictory Dates : The account reports a " Date Closed '' of XX/XX/XXXX, yet it shows account activity, including historical high balance updates and payments, occurring after this date ( up to XX/XX/XXXX ). 
* Contradictory Payment : It lists a " Last Payment Made '' date of XX/XX/XXXX, but the " Payment Received '' amount is listed as {$0.00}. 
XXXX. XXXX XXXX XXXX ... ( XXXX XXXX Credit Card - Closed/Charged Off ) * Balance Exceeds Limit : The reported Balance ( {$730.00} ) is higher than the historical Credit Limit XXXX {$500.00} ). This often indicates the continuous reporting of accrued post-charge-off interest or fees, which must be clearly verified. 
XXXX Post-Closure Updates : The account was Closed in XX/XX/XXXX, but continuous updates to the payment history remarks ( e.g., XXXX, XXXX, XXXX ) are reported through XX/XX/XXXX. This suggests inaccurate or continuous re-reporting of status long after the account was finalized. 
XXXX. XXXX XXXX XXXX ... ( Credit Card - Closed/Charged Off ) * Balance Exceeds Limit : The reported Balance ( {$890.00} ) is higher than the historical Credit Limit XXXX {$600.00} ). 
XXXX Post-Closure High Balance Updates : The account was Closed in XX/XX/XXXX, but the historical high balance of {$890.00} is reported as updated between XX/XX/XXXX and XXXX XXXXnearly two years after the closure date. 
XXXX Post-Closure Remarks : Similar to the other XXXX XXXX account, continuous updates to payment history remarks are reported through XX/XX/XXXX, long after the account was closed. 
XXXX. XXXXXXXX XXXX ( Credit Card - Closed/Charged Off ) XXXX  Balance Exceeds Limit : The reported Balance ( {$2400.00} ) is higher than the historical Credit Limit ( {$2000.00} ). 
XXXX Post-Closure High Balance Updates : The account was Closed in XX/XX/XXXX, but the historical high balance of {$2400.00} is reported as updated between XX/XX/XXXX and XXXX XXXXnearly two years after the closure date. 
These inconsistencies constitute grounds for a formal dispute under the FCRA. You have the right to demand that the credit bureau ( TransUnion ) and the data furnisher investigate these specific points for accuracy. If they can not verify the accuracy of all disputed data points, the entry must be corrected or deleted.

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 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a complete SuccessorinInterest/Request for Information packet for Loan XXXX and requested written acknowledgment, a case/reference number, and the correct RFI/NOE address. During a call the same day, the companys agent stated the account did not reflect the borrowers death and showed no successor on file, and instructed me to call midweek to confirm receipt. As of XX/XX/year> ( 21 days later ), I have received no written acknowledgment of receipt or status, no SII determination, and no access to necessary servicing information. I am requesting ( 1 ) written SII receipt and determination, ( 2 ) successor servicing access, ( 3 ) confirmation of current loan status including any NOD/NOS dates or sale date if applicable, and ( 4 ) a written reinstatement or payoff quote with cure deadline if the account is in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Zendable, Inc.
State: GA

Complaint narrative:
I obtained a {$12000.00} personal loan from Zable in XX/XX/year>. Shortly after funding, {$10000.00} of the proceeds were wired to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to participate in an asset-based lending investment program. I later discovered that this program was fraudulent and connected to a broader scheme involving XXXX XXXX, XXXX XXXX, and related shell entities ( XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). 

I immediately filed fraud reports with my bank, the FBI ( XXXX ), IRS, and the Attorneys General of Georgia and Virginia. My bank confirmed that the funds could not be recovered and closed its inquiry. Zable conducted its own fraud review but concluded that I remain responsible for the full loan balance. The companys written response dated XX/XX/year> stated they found no identity or application fraud but did not address the evidence of third-party investment fraud and police reports submitted. 

I am requesting CFPB assistance to ensure Zable fairly re-evaluates the fraud claim, pauses collections and credit reporting while the case is under investigation, and provides a clear written explanation or adjustment reflecting the fraudulent nature of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a Chase Freedom XXXX credit card based on a promotional offer advertised by Chase. The offer clearly stated that I would receive a {$200.00} cash-back bonus ( XXXX points ) after spending {$500.00} within the first 3 months of account opening. 
I met all the requirements of the promotion, spending well over the {$500.00} threshold within the first few weeks of opening the account. My XX/XX/year> statement ( attached ) shows total purchases of {$4200.00}, well above the spending requirement. Despite meeting these terms and maintaining the account in good standing, Chase never credited the {$200.00} sign-up bonus to my rewards balance. 
When I contacted Chase customer service by phone and through secure message, I was told conflicting explanations and was ultimately denied the bonus. They did not provide any written documentation showing I was ineligible, nor did they cite any different or additional promotional terms. 
The statement Ive attached ( showing the spending total and rewards summary ) proves that the promotional bonus was not applied, and that my purchases qualified under the standard offer. I also have screenshots of the original promotion showing Earn {$200.00} cash back after you spend {$500.00} on purchases in the first 3 months from account opening. 
I believe Chase misrepresented or failed to honor its advertised promotional terms. 
What I would like the company to do : Issue the promised {$200.00} cash-back bonus ( XXXX points ) to my account. 
Correct any internal system or promotional issue that caused this error. 
Provide a written explanation of why the bonus was not applied, referencing the exact terms and dates they believe exclude my eligibility. 
Attachments to include : XXXX of the Chase Freedom XXXX promotional offer ( {$200.00} bonus after {$500.00} spend in 3 months ). 
Your Chase account statement ( XX/XX/year> ) showing total purchases of {$4200.00}. 
Any chat or message logs showing you attempted to resolve this issue with Chase customer service. 
Additional context ( optional text box ) : I am aware that the CFPB has received similar complaints about credit card issuers failing to honor sign-up bonuses and that the Bureau has issued guidance ( Circular XXXX ) regarding deceptive or buried conditions in credit-card rewards programs. I believe this situation falls into that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
- Letter Dated XX/XX/year> Gurstel Law Firm sent its initial collection and validation notice referencing an XXXX XXXX XXXXXXXX XXXX account ending in XXXX. I was given until XX/XX/year> to dispute. 

- Letter Dated XX/XX/year> I sent Gurstel and XXXX XXXX a Formal Dispute, Demand for Validation, and Election of Arbitration, citing FDCPA, FCRA, and UCC provisions, demanding full validation and electing arbitration under the Cardmember Agreement - Letter Dated XX/XX/year> Gurstel replied, enclosing only billing statements and a generic XXXX cardmember agreement with no signature, no accounting, and no proof of ownership - Letter Dated XX/XX/year> I sent Gurstel a Formal Notice of Non-Response and Reaffirmed Election of Arbitration, citing FDCPA 1692g ( b ) and case law ( Spears v. Brennan ) and warning that continued activity would be reported to the CFPB, FTC, and state regulators- Letter Dated XX/XX/year> Gurstel sent another letter stating it had previously provided the documents and that no further action is required, ignoring your arbitration election and continuing collection attempts- I also hold a Form 1099-C, confirming that the alleged debt of {$16000.00} was canceled and reported to the IRS. 

I am filing this complaint against Gurstel Law Firm , P.C . for continuing collection activity on a disputed and canceled debt after I elected binding arbitration. 
XXXX dated XX/XX/year>, Gurstel sent its initial collection notice for an XXXX account ending XXXX. Letter dated, XX/XX/year>, I formally disputed the debt, demanded validation, and elected binding arbitration under the Cardmember Agreement. Gurstel replied with letter dated XX/XX/year> with only a few billing statements and a generic, unsigned contractno accounting, no chain of title, and no proof of assignment or what was done with my payments. 
I sent a follow-up letter dated XX/XX/year> reaffirming my arbitration election and warning that continued activity would violate the FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ). Gurstel then issued another letter dated XX/XX/year> insisting it had validated the debt and that no further action is required. This response ignored my arbitration election and continued to treat the account as collectible. 
I also possess a Form 1099-C, showing that this account has been canceled. Attempting to collect or report a canceled obligation is a false representation of debt status ( FDCPA 1692e ( 2 ) ( A ) ) and a violation of the FCRA.

Gurstels actions constitute : Continued communication after dispute and arbitration election ( 1692c ( c ) ) False representation of a canceled debt ( 1692e ) Failure to properly validate before resuming collection ( 1692g ) Breach of the XXXX arbitration clause and disregard of the 1099-C cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and duplicate accounts reported by MIDLAND CREDIT ( also listed as MIDLANDCRE / MIDLAND CRED ) under account numbers # XXXXXXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX, opened between XX/XX/year> and XX/XX/year>, with balances ranging from {$630.00} to {$1200.00}, all listed as collection accounts. 

I have no knowledge or association with any of these accounts and have never authorized, opened, or agreed to any debts with MIDLAND CREDIT or any related entity. The repetition of identical account numbers with different balances and open dates indicates duplicate and inconsistent reporting, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for failing to ensure maximum possible accuracy and verification of reported information. 

These inaccurate and duplicate collection entries have severely harmed my credit standing and caused unjust damage to my financial reputation. MIDLAND CREDIT has not provided any verifiable documentation, signed agreement, or proof of debt confirming that these accounts are valid or belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief