vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am filing this complaint against Experian for willfully and negligently continuing to report a collection account that does not belong to me. The account in question is being furnished by XXXX XXXX XXXX XXXX. XXXX XXXX ( original creditor : XXXX XXXX XXXX ), with an account number ending in * XXXX. 

I disputed this account directly with Experian and provided documentation from a previous CFPB complaint to the collector, in which the collector admitted : While reviewing the information in the complaint it was revealed that the social security number provided by the Complainant does not match that of the debtor. [ ] Since the complainant is not the debtor our firm will block the Complainants mailing address from receiving more letters. 

Despite this, Experian responded stating the item was verified as accurate. This violates the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation 15 USC 1681s-2 ( b ) : Furnisher failed to correct inaccurate info after notification I am not the person this debt belongs to. This is a clear case of mixed or mistaken identity. 

I am requesting immediate deletion of this account from my Experian 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 2025-08-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I paid back the school they never mentioned me I had another loan. They would say I paid it all in full and dont owe anything. I called them and asked why is edfiniancial in my credit report if i paid everything they just said that it will go in its own. I assumed since i paid it in full the emails were scam. When i saw my credit card drop i investigated right away and i paid it in full. My intention was never to not pay and it hurts because its not about money im in this senerio its because my school didnt guide me thru. I am trying to go back to school and my credit score is hurting my chance in getting a new car, my car is an essential tool i need to go to work and school. i wouldnt change it but its giving me alot of issues.

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 2025-08-02 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: IN

Complaint narrative:
Hello I was notified My personal information was involved in a data breach. I have many spam calls and fraud accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed XXXX XXXX CLOSED ACCOUNT {$6500.00} all hard inquires in last 30days as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
According to my records, I refinanced my Federal Direct Consolidation Loan with MOHELA ( or its predecessor servicer ) on XX/XX/XXXX, with the understanding that the loan would be repaid over a 20-year term. However, I have recently been informed that the loan is being serviced as a 30-year term, which is inconsistent with the original agreement. 

Additionally, I have reviewed my online account and discovered that payments I made between XXXX and XXXX are missing from the transaction history. I believe these payments were made while the loan was being serviced by a different servicer prior to MOHELA. 

I formally requested the following : A copy of the original consolidation or refinancing agreement, showing the agreed-upon term length. 

A complete payment and servicing history from the origination of the loan to the present, including all transactions made while the loan was serviced by previous institutions. 

A detailed explanation of how my current monthly payment of {$520.00} was calculated, and the amortization schedule it follows. 

Mohela continues to ignore or provide unhelpful responses to repeated requests to work though these concerns. I have sent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I received a notice from Carvana stating that my application was terminated due to unverifiable or potentially false information. This claim is not only false, but defamatory. All documents I submittedincluding income verification and identificationwere accurate and verifiable, and I successfully completed their internal verification process.

Carvana has refused to provide specific details about what information they deemed unverifiable or false, and they have offered no opportunity for correction or rebuttal. This violates principles protected under the Fair Credit Reporting Act ( FCRA ) and FTC consumer protection laws. 

This has caused unnecessary XXXX, reputational harm, and potential financial damage. I believe this situation warrants investigation, and I request that the CFPB review this matter and compel Carvana to either provide substantiated reasoning for their actions or reconsider my application. They sent me an email at XXXX XXXX  on yesterday after I was approved for the vehicle purchase. The vehicle was scheduled to be delivered Sunday, XX/XX/XXXX. They also requested I ensure the vehicle. I added full coverage insurance and submitted the documentation to Carvanna. They contacted me last night after purchasing full coverage insurance and stated the contract was canceled. I have never submitted any false documentation or application or vehicle purchase to Carvanna. I am a full-time registered nurse over 20 years. I work as a clinical nurse instructor for two universities. One full-time and one part-time. I am not a cosigner. I am a single applicant.

I have attached my dispute letter to Carvana for your records. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-02 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
I booked a round-trip international flight through XXXX using Affirm as the payment method. The booking was for a trip from XXXX, XXXX  to XXXX, XXXX, departing XX/XX/year> and returning XX/XX/year>, totaling {$1300.00}. Due to personal and financial reasons, I did not take the flight at all. 

I reached out to Affirm before the trip asking to cancel the installment agreement since the flight was still weeks away. They denied my request, even though the service ( the flight ) had not yet occurred. 

Affirm is knowingly charging me for a service I never used. I contacted them again after the trip dates had passed and explained that I never checked in, boarded, or used the travel services, and asked again to cancel or refund the payment plan. They still refused. 

I am now being held financially responsible for a trip I never took, and Affirm has shown no flexibility or consumer protection protocol in this case. 

I am requesting a full cancellation or refund of the payment agreement under these grounds. I have proof of the itinerary and confirmation from XXXX but did not travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TekCollect Inc.
State: AL

Complaint narrative:
XXXX has me in collections for an account I should rightfully not be paying. I ordered liners from XXXX XXXX and they filed bankruptcy and abruptly closed down business operation. When I received the liners they did not fit my teeth and could never be used and are still in the box to this day. They had no one to contact to fix the matter and had a statement of such on there website. However, they had accounts through XXXX, whom still wants payments. This is not my debt to pay. XXXX owes them, not me. I received a product I could not use

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XX/XX/XXXX - {$2800.00} XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXXThis is the Letter I did wrote to Wells Fargo:\n(HEREBY I WANT TO MAKE CLEAR THAT THIS ISN'T SUPPOSED TO BE A MODERN STANDARD PROCEDURE OF A WELL KNOWN BANK. IMHO SOMETHING ISN;T RIGHT INSIDE WELLS FARGO. SOME PEOPLE THINK THEY CAN GET AWAY WITH IT BY XXXX  SMALL AMOUNTS OF MONEY OF 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 reactivate my account resp. request for user name and password for online bankingXXXX XXXX request for a new ATM Card (see Enclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  he told me that my aforementioned Accounts were not available in the system. He then connected met to the Charge Off Dept XXXX XXXX XXXX XXXX XXXX with XXXX XXXX who told me that the Accounts has been closed and that there has been sent a cheque to my address: XXXXHowever, never did I receive a cheque of Wells Fargo Bank.\nThis however doesnt make any sense as at least any (other) Bank as a matter of security would have sent this cheque via registered mail like XXXX XXXX XXXX XXXXsee Enclosure 2 and 3 for example as XXXX XXXX XXXX XXXX XXXX  did in a proper way as a Bank of your standing is also supposed to do).\n\n1. As it doesnt make any sense I therefore do request Wells Fargo to investigate this matter ASAP.\na. The most logical steps XXXX  would be: why in the 1st place would Wells Fargo Bank send any cheque by non registered mail?\nb. Also please look into the possibility just because of the very strange procedure with regard to a Bank with the status as yours why the concerned Department didnt use a secure way to send a client a cheque with alleged included refund.XXXX. Furthermore you should check also if the cheque indeed has been cashed in with any Bank as I do assume then automatically you can follow the money within Wells Fargo BanXXXX Please immediately refund of all my monies to the aforementioned Accounts (see Enclosure 1); my address: XXXX, address XXXX  (see Enclosure 2.\nBut dont use anymore address: XXXX Please reactivate my account resp. hereby my request for user name and password for online banking XXXX XXXX Also send me ASAP an ATM card of course by XXXX XXXX XXXX or any registered mail.\n\nMy e-mailaddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Obstructed Loan Repayment and Retaliatory Collections by XXXX and Lockhart , Morris & Montgomery -- - Complainant Information : Name : XXXX XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Driver # : XXXX Loan # : XXXX Servicer : Swiftloanpayment.com Debt Collector : Lockhart , Morris & Montgomery Representative ( at lender ) : XXXX XXXX -- - Complaint Description : I am filing this complaint regarding Swiftloanpayment.com and its agent, XXXX XXXX, who have obstructed my ability to repay a loan I took under a Tuition Finance Agreement. Despite multiple attempts to pay my loan and a stated willingness to follow through on a payment plan, I was locked out of the system and denied a fair opportunity to resolve the debt. 

The loan servicer falsely claimed that I " refused '' to pay, even though I communicated clearly that I was trying to meet the agreed-upon payment parameters. I believe I was deliberately locked out of the system as a retaliatory measure, and no genuine assistance was offered to resolve the issue. Instead, my account was forwarded to Lockhart , Morris & Montgomery for collections. 

This not only damaged my credit and reputation, but it also appears to violate fair debt collection and servicing standards. I was not given a transparent breakdown of the debt, a final chance to pay, or a fair resolution process. I am now being harassed for a debt that I attempted to resolve in good faith. 

I request the CFPB investigate this matter, demand a full audit of my loan servicing interactions with Swiftloanpayment.com, and ensure the account is corrected, recalled from collections, or otherwise resolved fairly. I am happy to provide supporting documentation and email exchanges if needed. 


-- - Desired Resolution : Full investigation into how my account was handled Reversal of any negative credit reporting Removal of account from collections Written confirmation that I will be given a fair and accessible payment option Appropriate action against any party who retaliated against my repayment attempts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief