vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: IL

Complaint narrative:
I am filing a complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 7 ) ( Method of Verification ).

I submitted a written request to Experian requesting the Method of Verification ( 1st attempt was XX/XX/year> and second attempt was XX/XX/year> ) for several accounts that Experian previously reported as verified or updated My correspondence clearly stated that this was not a dispute, but a request for the procedures used to verify the accuracy and completeness of the information. 

Despite this, Experian improperly reclassified my Method of Verification request as a dispute not once, but multiple times and responded with generic boilerplate language describing their general dispute process. Experian failed to provide any account-specific Method of Verification details, including : The name, address, or department of the furnisher or vendor contacted The specific method used to verify the accounts ( e.g., documents, system used, phone, etc. ) The documents or records relied upon The date and time the verification occurred Instead of complying with 611 ( a ) ( 7 ), Experian repeatedly closed disputes and sent generic policy explanations that do not satisfy the legal requirements of a Method of Verification response.

This failure has occurred with 34 accounts, and Experian has ignored my explicit instruction that my request was not a dispute.

I am requesting that the CFPB require Experian to either : 1. Provide the full, account-specific Method of Verification as required by law, or 2. Delete the accounts as not verifiable under FCRA 611 ( a ) ( 5 ).

I have retained copies of my correspondence and Experians responses.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
In XX/XX/year> I had numerous unauthorized transaction on my bank account. I contacted SoFi and disputed the charges and received a new card. I asked several times if this would stop the payment and was ensured that it would. While waiting for the new card charges without it being activated because I had not even received it yet charges were still being deducted. I called disputed those charges as well and they issued yet again another replacement card. I thought the charges stopped but they did not XXXX and XXXX kept withdrawing funds and everytime I contacted them all they could was dispute the funds and issue a new card. After numerous chat sessions an agent told me about the XXXX updater service, which is what was causing the issue because when you cancel your cars they automatically update the cards info with the merchant. He said I would need to contact the merchant. I reached out to them and of course they couldn't help because I had no information for the account the payments are going to as they were not mine which I did advise SoFi of. After going back and fourth I just accepted it until roku charged me XXXX dollars. I finally had enough and contacted XXXX once again I spoke to XXXX different people. I told every single one to not deactivate my current card that I needed these charges to stop reoccurring. And everytime all they would say is they have to deactivate and replace the card to fix the issue. Finally I get to an agent who says he can gladly send the request to remove the XXXX updater and that it can take 10 days. He also advised that once removed I would need to replace the cars to get these charges stopped. I told him not to deactivate my card and he said he wouldn't. I went to the store and my card was declined. He deactivated my card. I chatted again with XXXX other agents who both apologized and agreed that it was said several times not to deactivate the card and that this was on their end. Now I have no access to my funds and XXXX is in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding my auto loan originated in XX/XX/XXXX for my XXXX Toyota XXXXXXXX XXXX  ( VIN : XXXX ) with Toyota Financial Services. The loan has an APR of 15.95 %, which materially exceeded reasonable market rates available at the time for borrowers with similar credit profiles ( XXXX credit score ). Independent comparisons show that borrowers with similar credit typically qualified for rates around 910 % APR, resulting in excessive interest payments and higher total payments.

After 32 monthly payments : I have paid approximately {$22000.00} under the 15.95 % APR loan. 
Under reasonable market-rate alternatives, total payments would have been {$18000.00} {$18000.00}, representing an overpayment of roughly {$3300.00} {$3800.00}. 
Interest paid to date is approximately {$11000.00}, compared to a market-aligned range of {$6200.00} {$6900.00}, indicating {$4400.00} {$5100.00} in excess interest. 
I also have concerns regarding add-on products and fees, including PPM ( Prepaid Maintenance/Product Protection ), GAP coverage, Toyota Extra Care, and XXXX alarm fee. I request verification of authorization, cost, financing method, and proper application of these charges. 
On XX/XX/XXXX, I was involved in an accident with an uninsured motorist. The accident was clearly the other drivers fault, and I have video evidence. Any loan balance or deficiency may be affected by this claim, and I want it considered in my account review.

Due to these unresolved issues, I am planning a voluntary surrender in XXXX. I am submitting this complaint to formally dispute the account servicing, APR, and fees prior to surrender and to preserve my rights. My voluntary surrender does not waive any claims or dispute rights under this complaint.

Requested Resolution : Recalculate the loan balance to reflect a reasonable market APR ( 910 % ) and adjust principal accordingly.

Apply a credit or refund for excess interest and fees ( approximately {$3300.00} {$5100.00} ). 
Review all add-on products and fees, adjust or refund any improperly applied charges. 
Ensure accurate servicing of interest, principal, and fees. 
Provide written documentation of all adjustments, calculations, and corrected payoff balance. 
Ensure my voluntary surrender does not result in unfair deficiency charges or credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Product : Student loan Company : Aidvantage / Maximus Aidvantage inaccurately reported my federal student loan account as past due without providing notice to my current contact information. All billing statements and correspondence were sent to an outdated address, phone number, and email that I had not used for several years, resulting in me never receiving notice of any delinquency or opportunity to cure prior to credit reporting. 

This negative reporting occurred during the repayment transition following the federal student loan payment pause, when borrowers reasonably relied on servicers to provide clear and direct notice before adverse credit actions were taken. 

As soon as I became aware of the issue, I immediately contacted Aidvantage and was approved for forbearance, demonstrating good-faith intent to remain compliant. 

I am not disputing the loan obligation, but the accuracy and fairness of reporting my account as past due under these circumstances. Aidvantage has refused to correct the reporting despite the lack of notice. 

I am requesting that Aidvantage correct my credit reporting to reflect my account as current or remove the inaccurate past-due status reported during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 
The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Imprint Payments, Inc.
State: OH

Complaint narrative:
Unfair Dual Promotional Financing Revocation - XXXX  Support Ticket # XXXX I have a store-branded XXXX XXXX XXXX credit card issued by XXXX that included two promotional financing agreements : a 24-month 0 % promotional APR and a 12-month 0 % promotional APR. 

A payment due on the XXXX of XXXX was made on the XXXX of XXXX, representing a one-day delay. The payment was promptly submitted once discovered, the account was immediately brought current, and there is no pattern of late payments on the account. 

Despite this isolated, promptly corrected one-day delay, XXXX permanently revoked both promotional financing agreements and applied interest charges. I contacted the issuer and requested a one-time goodwill reinstatement, which was denied. 

Permanently forfeiting multiple long-term promotional financing agreements due to a single, promptly corrected one-day delay is disproportionate and punitive, has caused avoidable financial harm, and raises serious concerns regarding unfair or predatory credit servicing practices in connection with retailer-branded financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX is engaging in predatorial, targeted, deceptive debt collection practices, and XXXX, Experian, And XXXX  is complicit with their fraud. XXXX has falsely purported late or delinquent payment for XX/XX/year>, when that is FACTUALLY UNTRUE. There is and haven't been any late payments to the educational loans, and their inaccurate furnishing of information requires immediate correction, and ALL 3 CRDIT BUREAUS MUST PREVENT ANY REPEAT OFFENSES. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACURATE AND VERY TRUTHFUL. 


Blessed, XXXX XXXX XXXX XXXX  PHOHNE : XXXX EMAIL : 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 2025-12-21 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: NJ

Complaint narrative:
XXXX Bank XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again requested a correction for the same inaccuracy, as the incorrect late reporting continued to appear on my credit report despite my prior dispute. To date, the company has not fully resolved this issue. XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again reported inaccurate information on this account because the same issues remain unresolved on my credit report. XXXX XXXX XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again reported inaccurate information, as the account continues to show errors on my credit file. XXXX XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. FCRA 623 and USC 1681s-2 against Experian, TransUnion and Equifax that continues to report a charged-off account despite a 1099-C cancellation of debt being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I proactively notified the company of a temporary, involuntary financial hardship that disrupted my income and requested hardship accommodations. I also requested written confirmation of how my account would be reported to the credit bureaus while the hardship request was under review. 

Despite having notice of the hardship and the information request, the company did not provide written confirmation of reporting treatment or clarify whether negative reporting would occur during the review period. 

While my hardship request and information request were unresolved, the company reported my account as 30 days late. This reporting occurred without responding to my request for clarification and after the company had notice of the temporary hardship, creating a risk of inaccurate or misleading credit reporting under the Fair Credit Reporting Act because the reporting did not reflect the pending hardship review or unresolved request for information. 

I am not refusing to pay. I am requesting accurate reporting and fair treatment during a documented temporary hardship period and clarification of how my account is reported when a hardship review and information request are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was wrongfully attributed to me and the reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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:
I

n 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 may 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 seven 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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The PNC Bank XXXX XXXX misleads and withholds funds to their bank account holders by placing excessive amount of days withholding funds of checks deposited. Teller and branch manager Advising to use Debitcards for an extra charge of overdrafts while they withhold the funds of checks deposited. Bank teller and branch manager XXXX XXXX ( XXXX TX branch ) informed me that funds would be available following morning by XXXX XXXX. I did exactly that to then be informed by both teller and branch manager that theres a hold. This bank is giving false information purposely for account holders to be charged to their overdraft fees and scam account users of their money by placing excessive days of funds. 13 days without my funds leaves me in extremely need of my funds to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I believe illegal actions have been taken on this account including but not limited to being told I was required to get extended warranty and gap in order to get the loan for the car

Company response to consumer: Closed with explanation