vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: GA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Regarding the original complaint XXXX, where I asked XXXX to supply a signed consent form to contact me, a lawful contract they have with. 
They supplied and addressed nothing about having my personal information without consent or the contract giving them the right to contact me under consumer Debt Practices!!! 
I called the company to get a fax number to send them the complaint because the CFPB said they were not on file and could not forward the complaint and Invitation Homes is not in CFPB file. 
I spoke with XXXX XXXX XXXX at XXXX, she refused a fax number without Name, File number. I would not verify their fraudulent account with that info, just to get a fax!!

After I ended up giving them the info, she still refused the fax number. I asked for a manager and after 15 minutes she transferred me to XXXX XXXX ( I think ), only to get a voicemail, so my Agent XXXX XXXX XXXX left a voicemail asking for a call back so we could get a Fax number. 

10 minutes later a response to the original complaint XXXX showed up??? Why nothing before our call, weird for a legitimate DEBT COLLECTOR!!! 

XXXX has no signed consent to have my personal Information and must delete it from their files and be fined under my XXXX XXXX financing statement for {$100000.00} per offense!! Period INVOICE SENT XXXX # XXXX This complaint is proof of receipt The most unprofessional illegal debt collector I have seen.

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I was evicted and attempted to pay the debt but they have calculated the wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
i owed XXXX to Helvey and Associates and i paid it off completely but in my credit report it still appears as OWED. please update that as soon a possible thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest Loan has called me XXXX times : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do not have any outstanding debts whatsoever, including with Bridgecrest or XXXX. They stated that they will remove me from the list I have called XXXX times to ask this request, but it has not been accommodated. They have my phone number, but when they look it up, they say that there is no account however I keep getting calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I may three deposits from my Chime account to XXXX XXXX for {$25.00} on the XXXX of XXXX and another for {$10.00} on the XXXX of XXXX and then on the XXXX another {$10.00} the first two went through the third one I was told by XXXX  that it was reported as unavailable by time and I deposited the money from time it's a fun ride so I'm not seeing how it was unavailable but however I never saw the money return back to my accountant when I asked XXXX they blatantly said that they do not know XXXX  is now claiming that there wasn't a deposit on the XXXX but I have paperwork seen that there was

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX, submitted a XXXX XXXX XXXX XXXX application to Federal Student Aid. I received a letter that my request for the XXXX  servicer and forbearance has been placed on my account to suspend repayment, and my discharge is under review. While having this information, I have still been receiving calls for this loan by mail from Ed Financial. Which prompts me to reach ( call ) out to Ed Financial to make sure we are all parties where aware of my letter of forbearance and review for discharge. XX/XX/XXXX. I spoke to a XXXX in the contact center for XXXX issues. XXXX explained to me that she needed to submit another application to request a forbearance strategy for all other amounts. Then I received a statement on XX/XX/XXXX, in the mail stating a statement of loan details of when and how much my loan breakdown payment would start. I called back Ed Financial to again communicate about still receiving notifications about the loan in spite of having my letter of forbearance placement over my loan. I was hung up on, given false information, in accurate information about my loan, due to XXXX XXXX 's false statement to me on XX/XX/XXXX. I requested a supervisor, and I got XXXX XXXX. She also gave me information I wasn't aware of, pertaining to my loan. These loan servicers intentionally give out inaccurate information about my loan status. Until this day, XX/XX/XXXX, I am still unaware of my status or if the status is accurate with this Ed Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I received a1099-C for XXXX saying I had a debit that was XXXX for {$12000.00} that was XXXX in XXXX for a XXXX XXXX XXXX XXXX I never took out a loan for that vehicle and dont know anyone that did. I think it was idenity theft .The company that sent this to me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
Your institution is currently furnishing a repossession on my consumer credit file that I DO NOT agree with as it contains errors making it inaccurate and inconsistent across bureaus. It also appears to be incomplete so I am requesting the following information under UCC-9 guidelines : 1. A copy of the original contract bearing my wet signature or electronic proof of signature.

2. Copies of all legal notices before and after repossession.

3. Proof vehicle was sold at reasonable commercial market value.

4. A bill of sale that shows the amount the vehicle was resold for.

5. Proof the vehicle was repossessed was done without a breach in peace. UCC 9-609. 



You are also required to sending me proof of the following per UCC-9 Articles : -9-506. EFFECTS OF ERROR OR OMISSIONS. ( NOT RECEIVED ) 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ( NOT RECEIVED ) 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ( NOT RECEIVED ) 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL ( NOT RECEIVED ).

9-616. EXPLANATION OF CALCULATION OF SURPLUS AND DEFICIENCY. ( NOT RECEIVED ) 9-619. TRANSFER OF RECORD OR LEGAL TITLE. ( NOT RECEIVED ) 9-620 ACCEPTANCE OF COLLATERAL IN FULL OR PARTIAL SATISFACTION OF OBLIGATION ; COMPULSORY DISPOSITION OF COLLATERAL ( NOT RECEIVED ) 9-621. NOTIFICATION OF PROPOSAL TO ACCEPT COLLATERAL. ( NOT RECEIVED ) 9-623. RIGHT TO REDEEM COLLATERAL. ( NOT RECEIVED ) 9-625. REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPLY WITH ARTICLE. ( NOT RECEIVED ) 9-626. ACTION IN WHICH DEFICIENCY OR SURPLUS IS IN ISSUE. ( NOT RECEIVED ) 9-627. DETERMINATION OF WHETHER CONDUCT WAS COMMERCIALLY REASONABLE. ( NOT RECEIVED ) 9-628. NONLIABILITY AND LIMITATION ON LIABILITY OF SECURED PARTY ; LIABILITY OF SECONDARY OBLIGOR. ( NOT RECEIVED ) You are required to provide me with all the information requested above. If you fail to provide me with any of the requested information within 15 days from receipt of this certified mail request. Failure to provide this information for this alleged claim of deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim will be considered violations to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Uniform Commercial Code. I also reserve the right to seek damages in a venue in my jurisdiction against all parties under federal and state statutes. 

Please stop all collection activities including inaccurate credit reporting of this alleged debt and permanently remove it from my credit reports. 

If it has been more than four years since I made a payment please send me a debt waiver and 1099-C or I will be forced to report you to the IRS. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
I am filing this complaint against Santander XXXX XXXX for the illegal withholding of a credit balance in violation of the Truth in Lending Act ( 15 U.S.C. 1666d ). 
My vehicle loan was paid in full via refinance in late XXXX. On XX/XX/XXXX, the selling dealer ( XXXX XXXX XXXX ) issued a GAP insurance refund check in the amount of {$710.00} to Santander XXXX XXXX, and a Santander credit balance of {$100.00}. XXXX has provided documentation confirming this check was delivered to and cashed by Santander. 
Because the account was already at a XXXX balance, this created a XXXX  XXXX. Santander failed to notify me of this credit or remit the funds as required by law. On XX/XX/XXXX, I contacted Santander 's customer service to request the refund. After providing the check date and amount, the agent refused to research the unapplied credit and hung up on me. 
I am requesting that Santander locate this 'suspense account ' or 'unapplied credit ' entry from XX/XX/XXXXXXXX  and immediately remit the {$710.00} plus any applicable interest and credit balance if {$100.00} to my current address. '' I can provide evidence that they were in-fact refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Formal Complaint to Experian This letter is a formal complaint regarding Experians violations of the FCRA, GLBA, and related laws. My consumer file contains accounts and inquiries that were reported, used, and disseminated without my authorization or a contractual agreement with Experian. 



The matter is not whether the accounts may or may not be mine. The issue is that Experian has no permissible purpose, consent, or contract to report or sell my personal data, making any negative reporting an act of identity theft. 



The following accounts appear in my Experian file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries also appear without authorization : XXXX XXXX XXXX XXXX XXXX XXXX  Experian may maintain a consumer file for legitimate and authorized purposes, but you may not hold, use, or furnish negative or unauthorized items without a valid contract. 


Relevant case law includes : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Pursuant to 15 U.S.C. 1681c-2, I hereby demand that Experian implement the 4-day identity theft block on the accounts and inquiries listed above. These items must be deleted and permanently blocked from my file within four ( 4 ) business days of receipt of this notice. 



Respectfully, 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
Conclusion : Deceptive practices including bait and switch offer with added steps to complicate the process of obtaining what was offered in an effort to coerce and confuse consumers into opting into a credit card that carries a {$96.00} annual fee. 

Background : Bilt, a rent and mortgage ach payment and credit card, recently transitioned to a new card for some reason that is not clear. The process of moving from Bilt card to Bilt XXXX card was timely published to cardholders via the phone app, they refer to it as an upgrade. I attempted to upgrade to Bilt XXXX. Bilt XXXX offers three tiers of card XXXX ( no fee ), XXXX ( {$96.00} annual fee ), and XXXX ( {$490.00} annual fee ). I am cheap ( lol ) and opted for the XXXX card with no fees, I entered my info and selected XXXX and was promptly approved for the XXXX card. It automatically changed my selection to the card that generates {$96.00} annual fee to Bilt. Complication 1. The app notifies you that you can " accept offer now '' or

" Not now '' but will not let you cancel the application. Complication 2. I contacted customer service and they told me that they can't do anything about it and that I have to call a phone number. Complication 3. I call the number and it's a 7 minute wait. Complication 4. I speak with rep and she says that she has to escalate to higher level of care. Complication 5. Rep says that I will have to wait and someone will contact me in a few days. Complication 6.

The absence of the ability to cancel the application or deny the card that is actually offered blocks/removes consumer choice. The average consumer might not see this process as particularly dubious, but the fact that the product I selected was not denied, rather, I was offered something different and the different offering confers financial benefit to the offeror, while being precluded from declining the offer, taken together, militates toward misconduct. 

This feels like deceptive practices meant to prey on consumers ' laziness, confusion, or helplessness by blocking consumer choice in order to coerce the consumer into opting in for the card with an annual fee in order to unjustly enrich Bilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am disputing an inaccurate and unverified rental collection account being furnished on my credit report related to XXXX XXXX XXXX  and reported by XXXX XXXX. 

I voluntarily vacated the premises and surrendered possession by returning the keys. There was no eviction action filed with the XXXX XXXX XXXX XXXX XXXX. Because possession was surrendered and no court action occurred, any alleged balance must be supported by a final, itemized accounting of rent, fees, or damages authorized under the lease. 

To date, the furnisher has failed to provide competent evidence substantiating the amount being reported, including but not limited to : a copy of the lease or contract bearing my signature, a complete itemized ledger showing how the balance was calculated, documentation supporting any damages or post-move-out charges, and proof of authority to collect and furnish this account to the credit reporting agencies. 

Under 15 U.S.C. 1681s-2 ( a ) and ( b ) of the Fair Credit Reporting Act, furnishers may not report information that is inaccurate, incomplete, or unverifiable and are required to conduct a reasonable investigation upon notice of dispute. Furnishing a collection balance without documentation or verification, particularly after voluntary surrender of possession, constitutes inaccurate and misleading reporting.

Additionally, continued collection and credit reporting of an unsubstantiated debt may violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt.

I previously disputed this account, yet it continues to be furnished without correction or supporting documentation. A bare assertion that the account is verified, without disclosure of the records relied upon, does not satisfy the requirements of a reasonable investigation. 

I am requesting that XXXX XXXX either delete this tradeline from all credit reporting agencies immediately or provide written documentation fully substantiating the debt and the amount reported. If the account can not be verified with admissible records, it must not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Broadway Advance LLC
State: AL

Complaint narrative:
I am reporting a merchant cash advance company for unfair and deceptive business practices involving wrongful enforcement of a UCC lien and interference with payment processing accounts belonging to a non-obligor business entity. 

Company loan was created : Broadway Advance ( https : //www.broadwayadvance.com/ ) Debt Collecting Company : XXXX XXXX XXXXXXXX The company filed and is foreclosing on a UCC-1 lien related to a merchant cash advance agreement . In enforcing this lien, the company directed a payment processor ( XXXX  ) to restrict and divert funds from a XXXX  account that is not owned by the debtor entity named in the agreement or the UCC filing. Additionally, this company sent outside emails to people who are neither associated with the business nor the owner 's of the company written into the agreement. 

I have documentary proof that the affected XXXX  account belongs to a separate business entity whose revenue was never assigned, pledged, or subject to the companys collateral rights. I also have proof of emails sent to third parties. Despite being notified of this error and provided proof, the company has refused to release the account and continues to condition release on payment with terms outside of the agreemnent. 

The company has stated in writing that it will not release any restricted accounts unless payment is made first, even after notice that the enforcement actions target a non-obligor entity. This conduct appears designed to coerce payment through economic duress rather than lawful enforcement. 

I believe this conduct constitutes : -Unfair and deceptive acts or practices -Wrongful interference with third-party business relationships -Knowing enforcement against non-collateral assets Abuse of UCC filings and payment processor controls to force payment This complaint is submitted to document this conduct as part of any broader pattern of merchant cash advance abuse involving improper liens, processor interference, and coercive collection practices.

All written communications, account records, and proof of wrongful enforcement have been preserved and are available upon request.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was a victim of impersonation fraud. Someone falsely represented themselves as Chime and XXXX and socially engineered me into sending {$720.00} via Pay Anyone on Chime. Chime denied my claim despite evidence. This transaction was not authorized because it was induced by fraud. I am requesting a full reimbursement under fraud protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful.

Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard.

I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported. Please provide written confirmation once this has been completed.

If this matter is not resolved promptly, I will pursue all rights available to me under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation