vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX  Phone : XXXX Email : XXXX Date : XXXX XXXX, XXXX To : Equifax Information Services LLC XXXX XXXX Subject : LEGAL DISPUTE UNDER FCRA 1681i Inaccurate Repossession and XX/XX/XXXX Late Reporting Dear Equifax XXXX  XXXX XXXX This letter constitutes a formal legal dispute under FCRA 1681i , 1681e ( b ), and 1681g ( a ) regarding inaccurate, contradictory, and unverifiable information appearing in my Equifax consumer file.

Supporting identification documents are enclosed. You are required to suppress all disputed data during reinvestigation and forward this dispute verbatim to the furnisher. 

-- - DISPUTED ACCOUNT Furnisher : XXXX XXXX XXXX Account Type : Auto Loan Balance : As Reported Date Opened : As Reported Date of First Delinquency : As Reported/ Disputed -- - DISPUTE REASONS 1. Equifax is reporting a repossession that occurred before any lawful default existed. 
2. Repossession fees were assessed prior to a 30-day delinquency, making the repossession invalid and unverifiable.

3. Equifax is reporting a 30-day late payment for XX/XX/XXXX despite the account being cured XXXX XXXX. 
4. Acceptance of payments before and after the alleged delinquency negates the reported late status.

5. The XX/XX/XXXX late payment is factually inaccurate and legally impossible. 
6. Contradictory status reporting violates Metro 2 accuracy and integrity standards.

7. The reported Date of First Delinquency can not be substantiated.

8. Equifax failed to maintain reasonable procedures to assure maximum possible accuracy.

9. Any reinvestigation relying solely on furnisher verification is insufficient.

10. Continued reporting after notice constitutes willful noncompliance. 

-- - DEMANDS Equifax is required to : 1. Delete the repossession entirely 2. Delete the XX/XX/XXXX 30-day late payment 3. Correct the tradeline to reflect no repossession and no delinquency 4. Provide Method of Verification under 1681i ( c ) 5. Provide full file disclosure under 1681g ( a ) 6. Identify all third parties furnished this data Failure to delete unverifiable information within the statutory period constitutes a violation of federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am formally disputing the debt referenced by your agency. I do not owe this debt, and your claim is inaccurate. 
Please provide written verification of the debt, including the name of the original creditor, the full account number, the amount owed, and documentation showing that I am legally responsible for this debt. 
Until proper verification is provided, I request that all collection activity cease, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Sincerely, [ Your Full Name ] XXXX XXXX XXXX [ Your Address ] [ Date ] XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NJ

Complaint narrative:
I deposited the check in question in person at a Community Bank branch, where it was accepted and credited to my account. The funds were later made available, and I relied on that availability to conduct transactions in good faith. 

Several days after the funds were made available, Community Bank contacted me and stated that the check was being returned due to an alleged alteration. However, the bank did not provide a formal return reason code, documentation, or written determination supporting this claim at that time. 

Following this, the bank initiated multiple phone calls requesting information. During these calls, I felt pressured to respond verbally, and my statements were later characterized in ways that did not reflect my actual responses. I subsequently requested that communication be handled in writing to avoid further misunderstandings. 

Despite my cooperation and written responses to all inquiries within my direct knowledge, and without providing a final determination or supporting documentation, the bank issued a written demand requiring repayment of approximately {$71000.00} within XXXX ( XXXX ) days and threatened legal action. 

I am concerned that Community Bank released funds, allowed reliance on those funds, failed to provide required documentation regarding the alleged return or alteration, and escalated to a recovery demand while the investigation remained unresolved. I am requesting regulatory review of the banks funds-availability practices, communication handling, and recovery actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I am NOT claiming identity theft. I am filing this complaint due to continued inaccurate, misleading, and non-compliant credit reporting despite repeated disputes. 
Multiple accounts ( including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX ) are reported as charged-off or closed yet continue to show monthly payment history, repeated XXXX  codes XXXX and recent activity dates in 2025. Once an account is charged off, it can not lawfully report ongoing monthly performance. This constitutes false performance data and improper re-aging. 
The same accounts also display contradictory statuses ( closed vs. charged-off vs. collection ), inconsistent last activity/last reported dates, and material differences across TransUnion, Experian, and Equifax, including selective reporting and differing payment histories. 
These furnishers have failed to conduct a reasonable reinvestigation and failed to maintain maximum possible accuracy, in violation of XXXX U.S.C. XXXX ( b ), XXXX ( a ), and XXXX ( a ). Reinvestigations appear automated and not based on account-level verification. Some information appears to have been continued or reinserted without proper notice.

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 2025-12-23 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: OH

Complaint narrative:
I am NOT claiming identity theft. I am filing this complaint due to continued inaccurate, misleading, and non-compliant credit reporting despite repeated disputes. 
Multiple accounts ( including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX ) are reported as charged-off or closed yet continue to show monthly payment history, repeated XXXX  codes XXXX and recent activity dates in 2025. Once an account is charged off, it can not lawfully report ongoing monthly performance. This constitutes false performance data and improper re-aging. 
The same accounts also display contradictory statuses ( closed vs. charged-off vs. collection ), inconsistent last activity/last reported dates, and material differences across TransUnion, Experian, and Equifax, including selective reporting and differing payment histories. 
These furnishers have failed to conduct a reasonable reinvestigation and failed to maintain maximum possible accuracy, in violation of XXXX U.S.C. XXXX ( b ), XXXX ( a ), and XXXX ( a ). Reinvestigations appear automated and not based on account-level verification. Some information appears to have been continued or reinserted without proper notice.

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 2025-12-23 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:
I am NOT claiming identity theft. 

My credit reports contain inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX and XXXX XXXX Bank, including conflicting account status, balances, dates, and dispute remarks. This violates 15 U.S.C. 1681g ( a ) ( 1 ).

I disputed these errors under 1681i ( a ) ( 1 ) ( A ), but they remain uncorrected. I also requested verification procedures under 1681i ( a ) ( 6 ) ( B ) ( iii ), which were not properly provided. The continued reporting of contradictory information fails to meet FCRA accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

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

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 2025-12-23 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for reporting multiple inaccurate, inconsistent, and outdated accounts on my credit reports, including XXXX XXXX with balances of {$1100.00} reported inconsistently between Experian ( last activity XX/XX/XXXX ) and TransUnion ( last activity XX/XX/XXXX ) while not appearing at all on Equifax ; XXXX  XXXX with balances of {$2200.00} reported with conflicting dates of last activity XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax, and XX/XX/XXXX on TransUnion ; XXXX XXXX reported on XX/XX/XXXX in both Experian and TransUnion ; XXXX XXXX XXXX inconsistently reported as XX/XX/XXXX and XX/XX/XXXX on Experian ; XXXX reported on XX/XX/XXXX on TransUnion ; and XXXX XXXX reported on XX/XX/XXXX on TransUnion. Additionally, Equifax is reporting an incorrect address at XXXX XXXX XXXX XXXX XXXX, GA XXXX. These errors violate multiple provisions of the FCRA, including 605 ( a ) for obsolete information, 607 ( b ) for the obligation to maintain accuracy, 611 for disputing inaccurate or unauthorized information, 623 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) for reporting accurate dates of first delinquency and last activity, and 604 ( a ) for ensuring permissible purpose of all inquiries. Despite previous disputes, these inaccuracies remain unresolved, creating a materially misleading representation of my credit history and harming my ability to obtain credit, loans, and financial services

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 2025-12-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX my cell phone ( XXXX ) XXXX  left a XXXX XXXX was her name XXXX  she called from XXXX requesting a call back. 

XXXX XXXX : XXXX XXXX XXXX XXXX called my cell phone ( XXXX ) XXXX left a XXXX at XXXX from phone number XXXX. 
Requesting a call back. 

XX/XX/XXXX at XXXX XXXX  XXXX called my Employment phone number ( XXXX ) from XXXX XX/XX/XXXX XXXX called my work phone ( XXXX ) at XXXX from phone number XXXX when I answered, she did not state who she was when she called she said " hello I am calling for employment verification '' I replied, for who? she said XXXX XXXX '' I said I was not able to answer that Question & that I could not give out that information & that I would need to speak to my Boss first to ask if I could give out that information. 
she replied " all I need is a yes or a no '' & I said I was not going to give that information without first speaking with my boss. 
I asked who she was XXXX  she only said " XXXX '' XXXX  Then I requested a call back phone number from her XXXX   she gave me XXXX. 
she did not state where she was from or why she needed that information or with what business or company she was with. 
I looked up the phone number she gave me XXXX  it matches with the other phone numbers from 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am complaining in regard to milestone. I applied and got approved on XXXX XXXX, received an email saying you would receive your card within 14 days. As Im patiently waiting I called the first time about a week later to confirm the right address it was sent to. Everything was fine, I waited another week and never got it, I called again to state it was 14 days and they told me it should arrive that next XXXX  or XXXX  because they declared it was shipped on the XXXX. Given the fact it was already Friday and mail was checked, I waited for Saturday and nothing came. So I waited the weekend in case something came about and I checked on XXXX XXXX XXXX XXXX  DAYS LATER!!!!! Nothing came. At this point XXXX livid because communication with milestone is so ridiculous and monotone and they are so unhelpful. I asked if they were able to expedite the card given the fact I was waiting and they confirmed it was shipped on the XXXX, well even 14 days later wouldve arrived by today. So XXXX incredibly XXXX off with this company and their lack of communication or even sending a tracking email. I waited my first 14 days to almost a near freaking month and now I am waiting YET AGAIN another freaking 14 days, if not longer due to the holidays because they couldnt figure out what was going on or expedite anything!!! I do not recommend this card to anybody!!! If it wasnt for emergencies and unexpected bills, I wouldnt have gotten this stupid card in the first place!! I am beyond livid and the fact that I have to wait up to another 14 days is complete XXXX XXXX XXXX XXXX!! I have never had to wait so ridiculously long for a card before only to not receive and wait another 14 days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Housing Corporation
State: IL

Complaint narrative:
There is several charge offs on my credit report. MOST from credit bureaus that have been paid by the original creditor. Some are repossessions that have been charged off since they been charged off. I haven't received a 1099 from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I am NOT claiming identity theft. I am filing this complaint due to continued inaccurate, misleading, and non-compliant credit reporting despite repeated disputes. 
Multiple accounts ( including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX ) are reported as charged-off or closed yet continue to show monthly payment history, repeated XXXX  codes XXXX and recent activity dates in 2025. Once an account is charged off, it can not lawfully report ongoing monthly performance. This constitutes false performance data and improper re-aging. 
The same accounts also display contradictory statuses ( closed vs. charged-off vs. collection ), inconsistent last activity/last reported dates, and material differences across TransUnion, Experian, and Equifax, including selective reporting and differing payment histories. 
These furnishers have failed to conduct a reasonable reinvestigation and failed to maintain maximum possible accuracy, in violation of XXXX U.S.C. XXXX ( b ), XXXX ( a ), and XXXX ( a ). Reinvestigations appear automated and not based on account-level verification. Some information appears to have been continued or reinserted without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Company name : SoFi Bank, XXXX. 
Product : Checking or savings account / Credit card Issue : Account access problems ; credit reporting problems ; funds not available when promised Complaint narrative : I am filing this complaint due to prolonged restriction of my XXXX checking, savings, and credit card accounts following a fraud report involving extortion and coercion. 

I reported the activity in good faith and have been in continuous contact with XXXX, including multiple phone calls and XXXX documented escalations. I was repeatedly told that a XXXX  XXXX would contact me within specific timeframes, including named business-day windows. Those commitments were not met. 

Despite my ongoing cooperation : I have not received contact from the assigned XXXX  XXXX My checking and savings accounts remain inaccessible I continue to receive automated emails threatening account termination for failure to respond, despite extensive documented contact Credit and financial harm : While the investigation remains unresolved, the disputed charges were re-applied to my credit card, causing the balance to exceed the cards maximum credit limit. This resulted in : Artificially inflated credit utilization A negative impact to my credit score Additional financial harm beyond the account restriction itself This harm occurred while I was fully cooperating and while XXXX internal review remained incomplete. 

The continued restriction of funds now places me at imminent risk of missed auto insurance and vehicle loan payments, compounding the financial and credit damage. 

Requested resolution : Immediate human review and completion of the fraud investigation Restoration of access to my checking and savings accounts Correction of internal records to reflect my repeated contact and cooperation Cessation of automated termination notices Review and remediation of any credit reporting or over-limit impacts caused during the unresolved investigation XXXX failure to coordinate internal teams, honor stated timelines, and prevent credit harm during an unresolved fraud review is unreasonable and has caused measurable damage.

Company response to consumer: Closed with explanation