vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/year> CREDIT COLLECTION SERVICES XXXX XXXX 
XXXX, MA. XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 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 ; 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 the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT FROM THIS COMPANY : CREDIT COLLECTION SERVICES, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$440.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT : CREDIT COLLECTION SERVICES, ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : {$440.00} be REMOVED from my CONSUMER CREDIT report, and DELETED IMMEDIATLY...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable XXXX  and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
# XXXX My son is XXXX  and I have been on a leave from work for XXXX  and stress due to this, I had not heard from my son in weeks then I get a call that someone reached out for him had a lot of information that I thought sounded like him but they said send money to him because he needed it. This person used my XXXX  as a mother to take advantage, It is not about the money anymore " {$70.00} '' now I want justice!! Cash App has accused people of fraud and never told them what the fraudulent activity was, but they can't investigate a week old new account. When I am done with this fight I am done with Cash App. Yall the best thieves I ever met. I at least wanted this investigated and Cash App has never protected people that use their services. What young adult just got a account, and in addition to this I opened a sponsored account for my grandson and they won't send money back to people or me at least me a card I have verified my identity they confirmed and they are still robbing me!!! 
If anything I know someone has to regulate this. 









If you can't help please advise me on what steps to take. Thank you XXXX XXXX XXXX XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Improper Adverse Action, Abuse of Credit Evaluation, and Discriminatory Reduction of Credit Line Statement : I am filing a formal complaint against American Express for an unjustified reduction of my credit limit on my card ending in XXXX, constituting an improper adverse action under federal law.

American Express reduced my limit from {$10000.00} without proper advance notice, without justification, and without verifying the accuracy of my credit profile. I have never been delinquent with American Express or any other creditor.

This reduction occurred immediately after XXXX issued a false adverse action, which I am actively disputing. American Express appears to have relied on inaccurate, unverified, and discriminatory credit data, causing direct financial harm, including a drop in my credit score and increased utilization.

The lack of notice and the unjustified nature of the reduction suggest arbitrary and discriminatory practices that violate the spirit of consumer protection expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I am a victim of identity theft and would like all accounts associated removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and would like all accounts associated removed.

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 2025-11-15 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: FL

Complaint narrative:
b'I am filing a reinforced complaint against Experian regarding the XXXX XXXX tradeline on my Experian report and Experians failure to conduct a lawful reinvestigation and provide the Method of Verification (MOV).\n\nThis complaint is related to CFPB Case XXXX In that case, Experian closed my dispute without providing the required MOV under FCRA 611(a)(6)(B)(iii) and without correcting misleading derogatory reporting. The XXXX XXXX account is closed with a XXXX balance, yet Experian continues to report a derogatory/charge-off status and inconsistent Metro 2 fields (Closed Date, Past Due Amount, Charge-Off Amount, Payment History, Special Comments).\n\nI specifically requested MOV (procedure used, furnisher name/address/phone, and documents reviewed). Experian did not provide any of this information, in violation of FCRA 611(a)(1), 611(a)(6)(B)(iii), and 1681e(b) (maximum possible accuracy).\n\nOn XXXX XXXX XXXX, I sent Experian a formal FCRA demand letter by XXXX XXXX XXXX  with Return Receipt, again requesting a proper reinvestigation and MOV or deletion/correction of the XXXX XXXX tradeline. The certified tracking number is XXXX XXXX XXXX XXXX XXXX XXXX and the green card return receipt number is XXXX XXXX XXXX XXXX XXXX XXXX. The letter gave Experian ten (10) days from receipt to either:\n(1) delete the unverifiable derogatory XXXX XXXX tradeline, or\n(2) provide complete MOV and correct all Metro 2 fields.\n\nThe account remains a closed $0 balance account that still reports as a charge-off/derogatory without proper verification. This is inaccurate, misleading, and harmful to my creditworthiness.'

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
The following is an unauthorized charge. Discover is refusing to fix this. 

Posted Activity transaction details table with sorted columns Date Description Category Amount XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and the credit reporting agencies Equifax, TransUnion, and Experian are continuing to report fraudulent, unverified accounts and inquiries on my credit reports, even after I provided documentation and filed official disputes. Their failure to block and remove this information violates the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, which requires credit bureaus to block identity-theft-related information within four business days of receiving proper documentation.

Despite my repeated disputes and the identity theft report I submitted, all three bureaus continue to inaccurately report fraudulent accounts and inquiries. These items were opened without my knowledge or authorization, and I am not responsible for any associated balances. The specific fraudulent information includes : EQUIFAX Fraudulent Accounts XXXX XXXX XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, balance {$2700.00} XXXX XXXX ( Collection ) Opened XX/XX/XXXX, balance {$2100.00} XXXX  ( Charge-off ) Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX Information XXXX ( Collection ) Opened XX/XX/XXXX, balance {$2100.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX EXPERIAN Fraudulent Information XXXX XXXX Opened XX/XX/XXXX , balance {$2100.00} XXXX XXXX XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, balance {$2700.00} All listed accounts and inquiries result from identity theft. I have followed the required steps under the FCRA, including submitting disputes and an identity theft report. The credit bureaus are refusing to comply with 1681c-2, which requires them to : Block and delete identity-theft-related information, Stop reporting it to third parties, and Provide confirmation of their actions.

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 2025-11-15 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: NY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and the credit reporting agencies Equifax, TransUnion, and Experian are continuing to report fraudulent, unverified accounts and inquiries on my credit reports, even after I provided documentation and filed official disputes. Their failure to block and remove this information violates the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, which requires credit bureaus to block identity-theft-related information within four business days of receiving proper documentation.

Despite my repeated disputes and the identity theft report I submitted, all three bureaus continue to inaccurately report fraudulent accounts and inquiries. These items were opened without my knowledge or authorization, and I am not responsible for any associated balances. The specific fraudulent information includes : EQUIFAX Fraudulent Accounts XXXX XXXX XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, balance {$2700.00} XXXX XXXX ( Collection ) Opened XX/XX/XXXX, balance {$2100.00} XXXX  ( Charge-off ) Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX Information XXXX ( Collection ) Opened XX/XX/XXXX, balance {$2100.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX EXPERIAN Fraudulent Information XXXX XXXX Opened XX/XX/XXXX , balance {$2100.00} XXXX XXXX XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, balance {$2700.00} All listed accounts and inquiries result from identity theft. I have followed the required steps under the FCRA, including submitting disputes and an identity theft report. The credit bureaus are refusing to comply with 1681c-2, which requires them to : Block and delete identity-theft-related information, Stop reporting it to third parties, and Provide confirmation of their actions.

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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2025-11-15 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: AR

Complaint narrative:
I am following up on my previous complaint and formal dispute submission regarding multiple inaccurate and unverifiable accounts and inquiries appearing on my credit report. Despite my initial request for a thorough reinvestigation and validation of these accounts, I have not received an update or resolution. The accounts I referenced in my original complaint remain on my credit report, including 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. These items continue to appear inaccurately, and I am concerned that the required reinvestigation and validation, as mandated by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), has not been properly conducted.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I signed up for Chime to participate in their multi-month direct deposit bonus promotion ( Month 1 : {$100.00} bonus for $ XXXX direct deposit ; Month 2 : {$100.00} bonus for $ XXXX direct deposit ; Month 3 : {$150.00} bonus for $ XXXX direct deposit ). 

Before completing any of the required direct deposits, I contacted Chime support specifically to confirm that my account was eligible for the promotion. A Chime representative confirmed in writing that I was eligible ( I have attached the screenshot ). 

Based on the representatives confirmation, I completed all the required direct deposits for the promotional bonuses. After completing everything, Chime informed me that I was actually ineligible because they claim I did not sign up using the promotional link. This directly contradicts the information provided to me by the Chime representative prior to completing the requirements. 

Chime denied the bonus using a reason that conflicts with what their employee told me. I relied on the representatives confirmation to make financial decisions and complete all required steps. This is a misleading and unfair practice. 

I am requesting that Chime honor the promotion based on the written eligibility confirmation I received and review my account through the proper escalations/compliance team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I got this mortgage about XXXX year ago exactly. XXXX  months ago I received a call from Mr cooper saying my account was being reevaluated for the taxes and that my monthly payment was now being lowered by {$500.00}. Didnt sound right at all the time but didnt question it. 

Turns out it was completely wrong and they made a huge error and now I am going to be forced to shell out thousands of dollars because of their mistake and there is no reason or answer why it happened in the XXXX  place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am on Social Security XXXX homeless at the time living in XXXX, Arizona. I do not understand this company and what is going on, but I do know that Im on Social Security and that I am judgment proof. please do not call or write at the number or address so cease and desist.

Company response to consumer: Closed with non-monetary relief