vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/year> i signed a lease to move into newly developed rental property XXXX XXXX XXXX managed by XXXX. Th property offered a promotion of 6 weeks free rent for a 2 bedroom apartment, before moving in they demanded I pay the first month upfront, and also a security deposit of Half of my rent total of {$2800.00}. I moved in and signed a lease under the conditions the home was new, safe and livable. 

Upon signing my lease, I was misled by the leasing staff and marketing materials, which portrayed the unit as safe, modern, and move-in ready. However, shortly after moving in, I discovered that the apartment was uninhabitable due to severe flooding, mold, and unsafe living conditions. I immediately notified the landlord and property management and they acknowledged the conditions were unacceptable and they would transfer me to another unit the next day. I waited a whole week no transfer happened. The assistant manger got fired and the property manager was on vacation, and upon her returned she refused to transfer me or fix the matter.

I immediately notified the landlord and property management cooperate office. 
I was verbally promised to either transfer me to another available unit or allow me to terminate the lease early without penalty from the property manger. She then turned off all my rental portal so I couldn't pay my upcoming rent then extorted late fees from me or threatened an eviction. I told her I was going to move out with the early termination and we signed an agreement in which she now claims she never received from me. I moved out all my belongings, clean the apartment and return keys on XX/XX/year>. 

Relying on that agreement, I vacated the premises after receiving no follow-up regarding the promised unit. After I moved out in good faith, the situation took a disturbing turn. The landlord began acting aggressively and demanded I pay her personally, outside of the leasing office, threatening that she would ruin my credit if I didnt comply. When I refused to pay an unjust debt directly to her, the property reported a false debt to the credit bureaus. in the amount of {$10000.00} with collection agency Transworld system INC. I've tried disputing with them regarding the matter and no resolution. 

This retaliatory act was done in bad faith and has now severely damaged my credit, preventing me from securing housing and basic credit opportunities. Furthermore, I believe this retaliation was racially motivated. I was treated differently than other tenants and spoken to with derogatory and hostile language not used with other residents. This behavior violates the Fair Housing Act, which prohibits housing discrimination based on race, and may also fall under harassment and coercion laws under state landlord-tenant codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL DEMAND FOR FULL VERIFICATION Charge-Off Accounts MUST Be Legally Validated or Deleted Immediately To Whom It May Concern, This letter serves as a formal dispute and final legal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), regarding the following charge-off accounts currently appearing on my Equifax credit report : XXXX XXXX Account XXXX XXXX Charge-off {$0.00} XXXX Account # XXXX Charge-off {$0.00} XXXX XXXX  XXXX Account # XXXX Charge-off {$2700.00} These accounts are being reported without full legal validation, which is a direct violation of federal consumer protection laws if not corrected. You are required under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation and provide the exact method of verification used. 

Do NOT send me a letter stating the accounts have been " verified '' unless you are including all the documentation I am legally requesting. A generic response is not sufficient under the FCRA and will be treated as a willful violation of federal law. 
You must provide : The name, department, and contact information of the person or data furnisher that verified each item A copy of the original signed contract or application A complete billing and payment history A flow sheet showing the full chain of assignment from the original creditor to any third-party collector A binding agreement or contract of sale authorizing the party to collect or report the debt Written proof that a manual investigation, not an automated E-OSCAR response, was conducted If you can not provide all the above, you are legally required to delete these accounts immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Reports to the Federal Trade Commission ( FTC ) A grievance submitted to the Illinois Attorney Generals Office A civil lawsuit under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages This is your FINAL NOTICE. Do not violate my consumer rights. If you can not prove it, you must remove it.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX XXXX Date : XX/XX/year> To : Transunion Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Section 623 Dear Transunion I am writing to formally dispute the accuracy of information you are reporting to the credit reporting agencies regarding my account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX According to my credit report, your institution has reported one or more late payments on this account. I am disputing the accuracy of this reporting, as I believe the information is inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), Section 623 [ 15 U.S.C. 1681s-2 ], as a furnisher of information, you are legally required to : Report only accurate information to consumer reporting agencies ( Subsection 623 ( a ) ( 1 ) ( A ) ) ; Promptly correct and update any information you later determine to be inaccurate ( Subsection 623 ( a ) ( 2 ) ) ; and Investigate and respond to disputes when notified by a credit bureau , and report the results back to the bureau ( Subsection 623 ( b ) ).

If you are reporting a late payment in error, or if you can not verify its accuracy through proper documentation, you are required to correct or remove the information. I am requesting that you conduct a reasonable investigation into this matter and provide me with written confirmation of the outcome.

Please find enclosed supporting documentation for your review, including : If this information can not be verified as accurate, I request that you immediately notify all credit reporting agencies to delete or correct the inaccurate late payment entry in compliance with FCRA Section 623.

Please provide a written response within 30 days, as required under federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX Report, Payment History

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 2025-07-19 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
XXXX XXXX XX/XX/year> Dear XXXX XXXX I noticed you are attempting to collect the listed alleged debt. I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of ALL STATEMENTS OPEN & CLOSE OF THIS ACCOUNT, A COPY OF YOUR BOND TO SHOW THAT YOU ARE LEGALLY REGISTERED IN MY STATE & the ORIGINAL PURCHASE AGREEMENT.

Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$3300.00} I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, Equifax, Transunion and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 


Sincerely, 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 2025-07-20 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: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I submitted a written cancellation notice to XXXX XXXX XXXX XXXX on XX/XX/year>, following their stated policy. However, I was still charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not use the facility after cancellation. When I contacted XXXX XXXX ( the billing provider ), they refused a refund unless I provided proof of a medical condition, move, or paid a buyout fee -- none of which were part of the original terms when I joined. 

I filed a dispute with XXXX XXXX XXXXXXXX. They confirmed that they stopped further payments but have not refunded the charges already made. I am requesting that XXXX XXXX issue a full refund for the unauthorized charges and formally confirm cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, SC XXXX XX/XX/XXXX Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Notice of Dispute and Demand for Validation of Alleged Debt under 15 U.S.C. 1692g To Whom It May Concern : This letter is sent in response to your recent communication regarding an alleged debt. Be advised that I dispute the validity of this alleged debt in its entirety and hereby request full validation of the debt as provided by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Demand for Validation Pursuant to 15 U.S.C. 1692g ( b ), I formally request that you provide competent evidence that I have any legal obligation to pay you. Until you provide the following documentation, you must cease all collection activities, including reporting this account to any credit reporting agency : XXXX. A complete and itemized accounting of the alleged debt. 
XXXX. A copy of the original signed contract or instrument bearing my signature. 
XXXX. The name and address of the original creditor. 
XXXX. Proof that you have legal standing and authority to collect this alleged debt. 
XXXX. A copy of the assignment or purchase agreement from the original creditor to Cavalry Portfolio Services , LLC. 

Explanation of 15 U.S.C. 1692g Under 15 U.S.C. 1692g ( a ), a debt collector must, within XXXX days of initial communication, provide the consumer with written notice containing : - The amount of the debt ; - The name of the creditor to whom the debt is owed ; - A statement that the consumer has 30 days to dispute the debt ; - A statement that if the consumer disputes the debt in writing within 30 days, the collector must obtain and mail verification of the debt ; - A statement that upon request within 30 days, the debt collector will provide the name and address of the original creditor. 

Failure to provide proper validation violates federal law and is grounds for civil liability under 15 U.S.C. 1692k.

Supporting Case Law Federal courts have consistently upheld the consumers right to debt validation : - 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  ) Final Notice I reserve all rights under federal and state law, including the right to pursue legal remedies for violations of the FDCPA and any other applicable statutes. If you fail to provide the requested validation within 30 days, or continue collection efforts without satisfying your obligations under 1692g, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and consider legal action. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/XXXX - notice of overdraft from Citizens Bank of XXXX closed accounts via online banking. Accounts were closed on XX/XX/XXXX. Called local branch. XXXX checks written on XXXX XXXX account ( XXXX for {$60.00} ; mobile deposit to Citizens on XX/XX/XXXX ) and ( XXXX for {$330.00}, mobile deposit to Citizens on XX/XX/XXXX ) were submitted for deposit again on XX/XX/XXXX and on XX/XX/XXXX the accounts were re-opened and withdrawn for those amounts. I contested immediately and asked for proof of XXXX presentation and was told nothing was attached to my account but a note to withdraw funds. I was told the note was from XXXX XXXX  where the check originated from, which is also XXXX of my shared accounts. confirmed with XXXX XXXX the check was not deposited XXXX  and my account at XXXX  was not credited nor debited for those amounts. I continued to follow up with Citizens to see what confirmation I could receive to verify the XXXX deposit. To date, no documentation has been received and accounts are still overdrawn at Citizens. Made another call and was informed that it was not XXXX XXXX but XXXX XXXX XXXX that requested the overdraft and immediately called the Fraud Department at Citizens Bank and was told the request for the overdrawn was XXXX XXXX XXXX XXXX. I immediately called the Fraud Department at XXXX  XXXX. After calling the Citizens Fraud Department, XXXX XXXX Department confirmed the XXXX presentation involved XXXX XXXX XXXX  and XXXX  closed my joint account for fraud activity. I called Citizens again to follow up on claims and a fraud dispute. I was told Citizens closed these cases and found no fraud. I have again requested proof of XXXX presentation and Citizens Bank can not provide them. These are needed to file fraud ( if necessary ) with the local magistrate. It has been XXXX business days since initial communication and dispute and to date Citizens has not provided any documentation verifying the XXXX presentation of these checks and refuses to credit these accounts while investigating. This has prevented me from applying for credit, has caused loss of wages due to filing complaints, closing accounts and travel, as well as numerous hours contesting this. Not to mention XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally request an urgent review of my federal student loan account, which is currently serviced by MOHELA. 

My loan balance increased from approximately {$110000.00} in XX/XX/XXXX to {$130000.00} today, despite being in COVID forbearance with no payments due and {$0.00} in unpaid interest shown on my repayment summary. This represents a nearly {$19000.00} increase in principal, and I have received no clear explanation from MOHELA despite multiple inquiries. 

I previously submitted a complaint through XXXX but have not received a response. 

Specifically, I am requesting : A full audit of my account from XX/XX/XXXX to the present A clear breakdown of interest accrual and any capitalization events A determination of whether this balance increase violates federal forbearance or IDR program rules Reversal of any improperly capitalized interest This increase is causing significant financial distress, and I believe it may be the result of a servicing error or improper handling during the COVID administrative forbearance or the SAVE plan rollout. 

Please confirm receipt of this request and advise on the next steps. I am happy to provide supporting documentation, including loan summaries and screenshots. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. Recently, the consumer financial protection bureau found a lawsuit against all credit Bureaus for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include. Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously Disputes and inaccurate information without explanation, failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protection and perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mis handled in similar manner. Please. Review the inaccurate information being reported under the FCRA, you are required to conduct proper investigations. Accounts must be accurate on all credit reports reporting ACCURATELY. When reviewing my report there are many inaccuracies reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC XX/XX/year> Report Number XXXX Account was disputed on XXXX  and removed. The collections account remains on XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Chime Financial Inc
State: CO

Complaint narrative:
I have a chime account, I have over 25 to 30 charges from XXXXXXXX XXXX XXXX that I never made. I put in a dispute they only put in 6 out of 4 pages of charges. I had a deposit go in for XXXX $ on Thursday. Then the charges started getting taken out. They sent me texts saying did you make these charges if not text no and no money would be taken out. I put no on all the texts I got and they still took out all my money. I found out and I called them said I didn't make any of these charges as you can see they happened like 3 right after another XXXX, XXXX, XXXX, then XXXX then XXXX, XXXX XXXX, then back to XXXX and continued until I had XXXX cents in my account. I cancelled the card and requested a new card and they still kept coming out of my account. I just want my money back these all happened from XX/XX/XXXX and XX/XX/XXXX the started

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>2025, Chime advertised a 21 % cash back deal through my banking app. The terms advertised that the deal was available with ANY chime card. I double checked their terms and conditions, and they confirmed that this deal was compatible with my digital debit card. ( For Merchant Offers that state use any Chime card, you may use a physical Chime card, virtual Chime card, or Chime card via digital wallet ( such as XXXX XXXX  or XXXX XXXX  ) to pay the Merchant directly, so long as the Merchant accepts those various forms of payment. Member does not need to pre-select which Chime card they will use prior to participating in a Merchant Offer. ) After I made the purchase, the deal did not work and the terms changed in the deals history page. I will attach the screenshots. I am very concerned with how a banking institution can change the terms of a deal after the fact. I am concerned with what else they can do once I request to close my account.

Company response to consumer: Closed with monetary relief