vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional finance is repeatedly contacting my father for five times a week they have asked repeatedly for them to stop contacting them and they repeatedly contact my father. It will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am filing a complaint against I C SYSTEM regarding an alleged collection account for {$300.00} from XXXX XXXX. I never received any notice that this debt even existed before it was reported on my credit report. Despite disputing this item multiple times, I have not received a single piece of verification or documentation showing that this debt is valid. I dont even know what this is for. 
I C SYSTEM is violating several federal laws : FDCPA 809 They are required to provide verification of the debt upon request, including the creditors name, account number, and the exact balance. None of this has been provided. 
FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) They are required to investigate and correct or delete any inaccurate information. No investigation has been completed.

FCRA 623 ( a ) ( 3 ) They must mark the account as disputed with the credit bureaus when a consumer disputes it. That has not happened.

FCRA 607 ( b ) They have a duty to ensure the information they report is accurate. Reporting unverified debt is not accurate. 
Not only was I never notified before this appeared on my credit report, but this unverified account is negatively affecting my XXXX XXXX, my ability to get credit, and could impact housing or employment opportunities. Lastly, I've done my research on IC systems, they've repeatedly failed to comply with federal consumer protection laws designed to ensure fairness and accuracy. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), a debt collector is required to provide proper debt validation when requested, including the creditor name, account details, exact balance, and proof that the debt is legitimately owed. Courts and state attorneys general have repeatedly found that I C Systems collection and reporting methods fall short of the requirements of the FDCPA and FCRA, particularly when it comes to supplying validation upon dispute and reporting accurate accounts to credit bureaus. These patterns raise serious concerns about the reliability and legality of the alleged debt being reported on my credit file.

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 2025-12-24 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: GA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I made payments to XXXX XXXX XXXX, XXXX each month and each time they either returned payments the following day or hit me with Late fees and interest. My payments were early and there was money in the bank when they returned most of my payments. My other credit card at the time had no issues with receiving my payments, and never returned them. This continued on for months. I tried talking to them and got nowhere. So I gave up and they continued hitting me with fees for months before handing it over to a debt collector. Now Halsted Financial Services continues to harass me along XXXX XXXX XXXX. A Credit Card with a {$400.00} limit is now {$800.00}. With two Credit Cards at the time, both with a {$400.00} limit, XXXX XXXX XXXX  had my minimum payment being well over {$100.00} and later over {$200.00}. While the other card I had with the same {$400.00} limit was only {$30.00} a month, minimum payment. The minimum payment XXXX XXXX XXXX  set was completely unaffordable. I am XXXX and collecting XXXX Benefits. My XXXX Benefits is my only source of income. I had good intentions, wanted to pay my payments to rebuid my credit and I tried to make my payments. My car payment I pay each month that takes a nice chunk of my set monthly income, leaving me with little to stretch and make last 30 days with my other bills. So it's impossible and ridiculous that XXXX XXXX XXXX  set the minimum payment so damm high and it's all late fees and whatever other fees they slammed me with. It's terrible business from them and they did the same exact thing to a family member of mine who always pays their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please inspect the documents ; the inquiries were sent without warning and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: KS

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hi, for XXXX and XX/XX/year> I was charged a maintenance fee for my US Bank checking bank account. Im a loyal account member that holds also a HELOC with US Bank. They however encouraged me to open up a checking bank account with the HELOC- so I did. I was charged {$12.00} for each month because it was unclear how the account would work. This is a funny way to nickel and dime your customers when they hold multiple accounts. I still couldnt get a clear answer what a checking account monthly balance- on my phone app it says monthly average balance where when I discussed on the phone the message was an average daily balance of a specific value, which technically does not mean monthly. That is an average daily balance over a month period. Not the same thing. They did resolve by waiving XXXX but not both months. This type of charge is exactly what is burdening the average American consumer. I hope they take steps to make this clearer and also remove random fees that do not seem to make sense when theyre holding your money.

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 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Debt was paid in full, yet was still sent to collections after being paid in full. Now this has had a negative impact on my overall credit. 

XXXX XXXX  I request that this collections be removed from my transunion credit report immediately XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and/or inaccurate credit inquiries that appear on my credit report. These inquiries were not initiated or authorized by me and are the result of identity theft. 
Enclosed with this letter is a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), along with supporting documentation. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed from my credit file promptly. 
The following inquiries are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please complete your investigation within the timeframe required by law and provide written confirmation once the disputed inquiries have been removed. If additional information is required, please contact me in writing at the address listed below. 
Thank you for your prompt 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and/or inaccurate credit inquiries that appear on my credit report. These inquiries were not initiated or authorized by me and are the result of identity theft. 
Enclosed with this letter is a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), along with supporting documentation. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed from my credit file promptly. 
The following inquiries are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please complete your investigation within the timeframe required by law and provide written confirmation once the disputed inquiries have been removed. If additional information is required, please contact me in writing at the address listed below. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a CapitalOne Savor card and got approved on XX/XX/year>. The card was shipped to me but got intercepted in the mail. The thief fraudulently used the card but the purchase got declined. I closed the account, but CapitalOne is failing to close my case even after multiple attempts to do so. They keep calling me every day even as I told them to remove all of my personal information from their systems. I applied for a new XXXX credit card on XX/XX/year> and as result have a new hard inquiry on my credit score. I am worried the fraud and messy resolution thereof on CapitalOne 's account is lowering my average age of accounts and therefore credit score. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
A Chime account was opened in my name using my identity this month without my authorization Open date - XXXX and no money used so far

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 XXXX 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 XXXX 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 2025-12-24 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: Affirm Holdings, Inc
State: NE

Complaint narrative:
Issue : Fraudulent loan opened after credit freeze and fraud alerts ; identity theft ; failure to investigate and delete ; inaccurate credit reporting Complaint Summary I am submitting this complaint against Affirm , Inc. for reporting a fraudulent {$500.00} loan on my XXXX  credit report that was opened as a result of identity theft. This account appeared after my credit files were already locked, frozen, and flagged with fraud alerts due to prior identity theft. 
Despite numerous disputes and being provided with police reports, FTC identity theft reports, and identity theft affidavits, Affirm continues to verify and report this account and refuses to remove it. 
This conduct violates the Fair Credit Reporting Act ( FCRA ) and federal identity theft protections and has caused me ongoing harm. 
Detailed Explanation My identity was stolen several years ago. Since that time, I have maintained : Credit freezes with all credit bureaus Fraud alerts on my files Ongoing monitoring and documentation Despite these protections, I discovered that Affirm reported a {$500.00} loan on my XXXX  credit file that I never applied for, authorized, or received. 
This account should never have been opened or reported, especially while my credit file was frozen and flagged for fraud. 
I immediately disputed the account and provided Affirm and the credit bureaus with extensive documentation, including : Police reports regarding identity theft FTC Identity Theft Reports Identity theft affidavits and supporting documents Even after receiving this evidence, Affirm has : Refused to delete the fraudulent account Continued to verify inaccurate information to XXXX  Failed to conduct a reasonable investigation Continued reporting an account that is not mine This account has been disputed multiple times, yet Affirm persists in re-reporting it. 
Violations Affirms actions constitute violations of, at minimum : FCRA 1681c-2 ( Section 605B ) Failure to block identity-theft-related information after receipt of proper documentation FCRA 1681s-2 ( b ) Failure to reasonably investigate disputes and correct inaccurate information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681b Reporting/using consumer information without a permissible purpose where no valid account exists UDAAP Unfair and deceptive acts by reporting and attempting to collect a debt that does not belong to me Harm Caused Affirms refusal to correct this fraudulent tradeline has caused : Damage to my XXXX  credit report and creditworthiness Emotional distress and anxiety from ongoing identity theft fallout Loss of time and resources repeatedly disputing an account that is not mine Fear of further fraudulent activity despite having freezes and alerts in place It is especially distressing that this occurred even after all fraud protections were in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive contacted capitol one about my savor XXXX card with a {$7800.00}. balance to try to set up a payment plan with low interest so i can pay back my debts. Ive contacted them today XX/XX/year> and also on XX/XX/year>. All they offer me is to remove late fees. This doesnt help me because I can only afford {$140.00} a month which wont even cover interest to pay it off. Even if i paid {$200.00} a month it would take me almost 10 years to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Essentially, I deposited checks from a clothing company that wanted me to XXXX for your clothing brand. I submitted the checks in my account in which I was prompted to send to the photo shoot center in which I would XXXX at. I called my bank to confirm that my check was authentic and was securely deposited right after I deposited it the bank confirm that with me so I then sent the money to two distinct people that worked at the photo shoot center. The next week later, the check that I originally deposit was deemed fictitious. The person that was contacting me was XXXX XXXX from the company XXXX XXXX. Email XXXX .. anyways, I would not have sent the two payments equating XXXX unless the Chase representative didnt have told me the authentic nature of the check in the first place so I was lied to by my own branch of Chase. I would like to be reimbursed of my XXXX payments to XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXXXXXX, from Caine and Weiner, has continuously called and emailed me regarding a disputed debt from a company I used to work for XXXX. After asking him to cease and desist multiple times letting him know that I left the company in XX/XX/year> and after giving him the contact information of who to go to at XXXX, he has not stopped harassing and threatening me. 

He has also falsely reported this as a personal debt to credit agencies negatively affecting my very good credit record. 

I need him to stop harassing me and work with the company directly to clarify/correct any debot.

Company response to consumer: Closed with explanation