vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: MS

Complaint narrative:
This is a continuation of my previous complaint. Over the past two to three years, I have been repeatedly targeted by individuals impersonating companies like toll agencies, XXXX XXXX XXXX XXXX in attempts to gain access to my personal information. These impersonation attempts have continued even after the data breach and identity theft incident already documented in my FTC report. 

Because of my remote work situation, I did engage with some of the toll-related messages, as they initially appeared legitimate. Since then, Ive also had several unauthorized international charge attempts on my checking account, which were fortunately blocked. These ongoing events show that my personal information is still being targeted and misused. 

I am requesting that this statement be added to my existing case and that further protections be applied under the FCRA to ensure Im not held responsible for any resulting fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: FL

Complaint narrative:
They failed to provide an accurate address and copy of the original agreement or contract bearing my signature, establishing the alleged debt.The name and address of the original creditor. Proof that your agency has legal authority to collect this debt within my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I applied for the Citi Premier card to earn the XXXX bonus after spending {$4000.00} within three months.

The account was opened on XX/XX/2025. After 12 days without receiving the card, I reported it as missing on XX/XX/2025 and requested a replacement. I finally received and activated the replacement card on XX/XX/2025. I was unable to use or activate the card for 22 days after account opening, during which time the promotional clock was already running. 

Despite the delay, I met the {$4000.00} spending requirement within three months of receiving and activating the card.

Over the past month, I contacted Citi customer service twice to request a good-faith adjustment due to this mailing issue. On both occasions, I received the same generic response, stating that I had not met the offer conditionswithout addressing the fact that I had no access to the card for the first several weeks. I also received two letters by mail reiterating this message.

During my third call, a customer support representative acknowledged that the delay was not my fault, but claimed it was not Citis responsibility either.

Citi offered a product with a time-sensitive benefit, but I was denied timely access through no fault of my own. I fulfilled the spending requirement in good faith within three months of receiving the product, yet I am being penalized for a delay beyond my control. Citi has refused to acknowledge the unique and reasonable circumstances of my case.

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 2025-07-13 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT NARRATIVE Subject : Multiple FDCPA Violations by Unlicensed Debt Collector I am filing this complaint against I.C. System Inc. for multiple violations of the Fair Debt Collection Practices Act and state licensing requirements. VIOLATION SUMMARY : Operating without Florida license - Required under Florida Statutes Chapter 559 Failed to provide debt validation - Violated 15 U.S.C. 1692g Continued collection without validation - Ongoing FDCPA violations Credit reporting threats on invalidated debt - Additional violations DETAILED COMPLAINT : Initial Contact
: I.C. System contacted me on XX/XX/year> claiming I owe {$470.00} to XXXX XXXX XXXX XXXX ( Account # XXXX ). 

Licensing Violation : I searched the Florida Office of Financial Regulation 's database and found NO registration for I.C. System Inc. Florida law requires ALL debt collectors to register before collecting consumer debts in Florida . This is a clear violation of Florida Statutes 559.553.

Failed Debt Validation : I sent a proper debt validation request on XX/XX/year> demanding : Chain of title documentation Original contract/agreement Proof of legal authority to collect Florida registration proof Inadequate Response : On XX/XX/year>, I.C. System sent only computer printouts and billing history. They provided NO : Assignment agreements Original contracts Chain of title documentation Proof of Florida registration Continued Violations : Despite failing to validate the debt, they : Continue collection efforts Threaten credit reporting ( " weekly electronic file to credit reporting agencies '' ) Ignore licensing requirements Falsely claim they provided validation Financial Impact : Their unlawful collection activity has caused stress and potential credit damage for example most recent apartment denial.

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 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I am a student loan borrower with Mohela. I have 117 out of 120 on time payments toward my

Public Service Loan Forgiveness as of last month. I am currently on forbearance and have been on forbearance for multiple years, not of my own choosing. I have been trying to change my payment plan in order to be able to make the remaining payments toward my Loan Forgiveness. In the meantime, I have put in multiple requests to the Public Service Loan buyback program in order to buy the remaining months out, as I am eligible for that program.

I have tried calling and messaging MOHELA my loan servicer more than a handful of times, and I have tried their automated systems as well. I can not get ahold of someone. The closest I got was waiting
on hold for 2hours and 48 minutes, the line suddenly went dead, and then I heard a survey about the service I received. I have not gotten callbacks when I have been told I would receive them from the automated system. I am stuck. I'm trying to do everything the right way but I can not get a response from my loan servicer about my repayment plan, nor can I get any answers to any of my requests. I should have been able to be done with my loans earlier this year, but I still have them on my credit report, getting in the way of being able to borrow for a new home. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously disputed an account from XXXXXXXX XXXX  ( original creditor : XXXX ) through Experian. Despite a XX/XX/year> reinvestigation, no signed contract, assignment chain, or debt validation has been provided. I have attached redacted documents showing this account is unverified and should be removed.Subject : Request for Permanent Deletion of XXXX XXXX Account Account # XXXX Dear Experian Dispute Department XXXX XXXX have previously disputed the XXXX XXXX account, with account number XXXX, multiple times. Despite reinvestigation, no valid documentation or proof of debt ownership has ever been provided. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I am entitled to have unverifiable and inaccurate information removed immediately.

This account has been inaccurately reported and remains on my credit report for a period that is unreasonable and unfairly damages my creditworthiness for seven years.

I demand the * * permanent deletion * * of this account from my credit file. Please provide me with written confirmation of the deletion.

Failure to comply may result in further regulatory complaints and legal action.

Thank you for your immediate attention to this matter. 

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 2025-07-13 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
We were referred for a Amex Gold card by our daughter in XXXX. First of all, we were told we would receive " up to XXXX points '' for signing up. We were told we only qualified for XXXX even though we have a stellar credit score and were new members. When asked what the criteria is for getting XXXX points, Amex could provide no answer for how they calculate it. The real issue is that it has been over 6 months, we have spent way over the amount necessary to receive the XXXX points and have received nothing. I have called American Express at least 4 times to get this resolved and they say the same thing over and over again. They claim they escalate the issue, that it will be resolved in 10 days, and that we will receive our points. And we never have!! They have said on the calls that there is no reason we shouldn't have the points by now. The lies are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/year> I Reported Identify Theft And Fraudulent Accounts Opened On My Report.. I Also Had Acconts Reporting Incosintence Errors on Accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/year> I Reported Identify Theft And Fraudulent Accounts Opened On My Report.. I Also Had Acconts Reporting Incosintence Errors on Accounts..

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
[ Your Full Name ] [ Your Street Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Debt Collectors Name ] [ Company Name ] [ Company Address ] [ City, State, ZIP Code ] Request for Debt Validation Dear [ Debt Collectors Name ], I am writing in response to your [ letter/phone call ] received on [ date ], regarding an alleged debt you claim I owe. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement or copy of the original agreement showing that I am legally obligated to pay ; 4. The name and address of the original creditor ; 5. Proof that you are legally authorized to collect this debt in my state ; 6. A copy of any judgment ( if applicable ) ; 7. A complete payment history, including charges and payments, showing how the alleged amount was calculated.

Please note that I am requesting this information for verification purposes and to ensure my consumer rights are upheld. During this time, you are required by law to cease all collection activities until you have provided proper validation of the debt.

This is not a refusal to pay, but a request for validation. If you can not provide the requested documentation, please remove this alleged debt from your records and cease all collection activities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding : Account # XXXX Subject : Request for Account Details Dear Sir / Madam, I am writing regarding the above referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information for my records : 1. ) The date of the first delinquency for this account.

2. ) The date of the last payment made on this account.

3. ) Date of charge-off for this account.

I would appreciate it if you could provide this information in writing. If additional documentation authorization is required to process my request, please let me know at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: IN

Complaint narrative:
Digitally cashed a check with chime, they took the money out of the account from the check refuse to put it on my account with chime threatened me with retaliation to my chime account as well, when trying to call and get the money they have stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sparrow Financial, Inc.
State: FL

Complaint narrative:
Credit card account open, with company sparrow that has a currently balance of Statement Balance : {$780.00} Minimum Payment Due : {$210.00} Payment Due Date : XX/XX/XXXX I have a place a freeze on my account and still using my social security number The credit card company ask me to file a complaint with you guys, also i have received that the leak of my information was thru the company XXXX XXXX, because I have recv a application since the company XXXX XXXX was sued. 
United States XXXX XXXX for XXXX XXXX XXXX Montana In re : XXXX XXXX XXXX Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your Personal Information was impacted in the Data Incident involving XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX, you may be entitled to benefits from a settlement. 

A Court authorized this Notice. This is not a solicitation from a lawyer. 

You can file your Claim Form here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It started with me disputing a payment issue on my mortgage payments I filed a dispute back in 2022. My mortgage bank took too long to respond to the dispute. So the credit bureaus deleted my mortgage account from my reports. My mortgage is very active and current. Ive been fighting with my mortgage lender to report my payments as before the dispute. They claim they are reporting the payments as normal. Yet, nothing is showing on my reports. Thus harming my overall credit score and preventing me from refinancing so I could get away from my current mortgage lender. I need help. Please.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It started with me disputing a payment issue on my mortgage payments I filed a dispute back in XXXX. My mortgage bank took too long to respond to the dispute. So the credit bureaus deleted my mortgage account from my reports. My mortgage is very active and current. Ive been fighting with my mortgage lender to report my payments as before the dispute. They claim they are reporting the payments as normal. Yet, nothing is showing on my reports. Thus harming my overall credit score and preventing me from refinancing so I could get away from my current mortgage lender. I need help. Please.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I have been banking at First Hawaiian Bank for over XXXX years. It has gotten progressively more greedy with fees and more restrictive with policies. I do not have any confidence that if I spoke with the branch anything would be done or that the complaint would be forwarded. The latest thing that's happened is this : I went to check my balance online. In order to get into my account, I need to approve a policy that is supposed to be " read carefully '' and/or printed. The policy is XXXX points long and many of those points have multiple subpoints. It is unrealistic to think that anyone can or should be asked to agree to such a long and attorney-speak document in order to access their own account information. For years, I have been wanting to leave FHB, but I have an open HELOC and my safety deposit box there. I have other banks as well. This one is by FAR the most restrictive, greedy, and difficult to work with -- they hold deposits, add fees without reason or notice, take a long time to transfer money, and are impossible to reach by phone ( average wait time XXXX to XXXX mins ). I believe it is my right to access knowledge about my funds without having to agree to a XXXX legalese document first. Who knows or understands what they are agreeing to???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a certified written dispute to XXXX on XX/XX/year>, requesting proper validation and investigation of an account they are collecting on behalf of XXXXXXXX XXXX USPS tracking confirms it was delivered. 



Despite receiving my dispute, XXXX never responded with any validation, yet they continued contacting me and trying to collect on the debt. This violates both : FCRA 623 ( a ) ( 8 ) Failure to respond to a direct dispute FDCPA 809 ( b ) Failure to validate the debt upon written request Additionally, I received continued collection emails and settlement offers during this period, proving they ignored the dispute and continued activity.

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