vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Concord Servicing Corporation
State: MA

Complaint narrative:
We purchased solar panels for our roof, a new roof, and enclosed gutters from a single company. The company filed for Chapter XXXX  bankruptcy after a host of other issues ( including the firing of the person who was working with us, who said our solar would eliminate our electric bill, which it has not ). See their Chapter XXXX filing, attached, which was mailed to us. We contacted an attorney who advised us to hold on to the money for the payment until they worked with us directly on moving or settling the account. We then sent letters to all three credit bureaus on this, signature required, with return receipt. A hearing was held in XXXX  ( we live in XXXX  ) on XX/XX/XXXX ( again, see attached, including their bankruptcy filing number ). They then proceeded to have a debt collector reach out to us to collect the entire amount, added {$2500.00} in interest for a period of one month, and a {$10.00} late fee ( see attached ) ; adding these amounts and contacting us is a violation of federal law under the FDCPA as outlined below. We are sending the attached letter, with return receipt requested, to the collection agency, and a letter to all three credit bureaus in the morning. Our understanding is that this company is violating federal law as the debt is subject to the protections of the automatic stay, consistent with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c. We let them know they are hereby notified to immediately cease all communications regarding the alleged debt referenced above and attached. This includes all oral, written, and electronic communication attempts. Accordingly, any collection activity or negative reporting related to this debt may be inaccurate or legally prohibited at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am sending this formal dispute regarding inaccurate and unverifiable information appearing on my credit report. The following items are being reported in error and must be corrected or permanently removed in compliance with the Fair Credit Reporting Act ( FCRA ) :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are either inaccurate, unauthorized, outdated, or have been improperly reported. Their continued presence is misleading and does not reflect my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Re : Request for Investigation Inaccurate Credit Reporting Account : XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX Dear Equifax, This is 2nd letter and once again I am disputing the accuracy of the XXXX XXXX account reporting under account number ending in XXXX. After reviewing my credit file, I found multiple factual inaccuracies that make this account unverifiable and misleading : Date Opened Inconsistency The account is reported as opened on XX/XX/year> with one bureau and XX/XX/year> with another. Both can not be correct. Impossible Payment History The payment history grid shows reporting in months before the XX/XX/year> opening date, which is not possible. Closed vs. Active Contradiction The account is listed as a Chargeoff ( closed ) yet continues to report an active balance, a past due amount, and derogatory activity. This is contradictory and misleading. Credit Limit Discrepancy One bureau reports a {$3500.00} credit limit, while another reports {$0.00}. Conflicting Comments Your bureau lists comments that differ from other bureaus Dispute resolved ; customer disagrees vs. Consumer disputes after resolution ), which shows inconsistent reporting. Because of these errors, the information being reported is inaccurate, inconsistent, and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A and 611, I request an immediate investigation. If the furnisher can not provide full verification of every detail, this account must be deleted from my credit file. Please provide me with written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
XXXX XXXX Bank ( XXXX ) XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Bank XXXX XXXX Date : XX/XX/XXXX Bank XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date : XX/XX/XXXX Bank of XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a wireless cellular, auto loan from state employees credit union, credit card from state employee credit union, and a company called XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize these accounts. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-01 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
First National Bank of Omaha abruptly ended my interest rate reduction program a month after it began on an unscrupulous basis. I accidently made two duplicate payments of {$190.00} to initiate the reduction program and needed to refund the second payment back to me. I called FNBO for instructions and they told me to initiate the refund with my bank. I did that and the duplicate payment was refunded. A month later FNBO used the refund to claim insufficient funds for a program payment, although it was simply a duplicate overpayment I had refunded back to me. In fact, I made the next monthly payment as usual without incident before their dirty deed. They did all this to raise the interest rate from the temp reduction rate of 4.99 %, I think, back to over 20 %. This is a seriously corrupt bank. Im trying to pay down cc debt quicker and they regularly charge so much interest and use trickery like 35 day billing cycles to keep monthly payments so high you will be overwhelmed in fees. Please stop them and get me out of this card! Every other lender is working with me.

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 2025-10-01 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: TN

Complaint narrative:
I am filing this complaint against Experian for inaccurately reporting derogatory information on my credit file. 

On XX/XX/XXXX, I mailed Experian a formal dispute letter regarding the late payment being reported on my XXXX account. The details are as follows : Account Name : XXXX  Account Number : XXXX Date of Late Payment Being Reported : XX/XX/XXXX In my dispute letter titled DISPUTE OF INACCURATE LATE PAYMENT REPORTING DEMAND FOR IMMEDIATE REMOVAL, I explained that the late payment ( s ) being reported are inaccurate, incomplete, and/or unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Furthermore, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper billing and notice were not provided within the required timeframe.

Despite my dispute, Experian has not corrected or removed the inaccurate reporting. This unverifiable late payment is negatively impacting my creditworthiness and violates federal consumer protection laws.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today I called and followed up with Experian to regain access to my accounts and begin correcting it from repeated theft and fraud. Instead the automated system even with my SSN and other pedal information only offers to send me instructions on how to get into account which website just tells you to call. It also won't transfer me to someone so nothing is getting taken care of. I already have a credit report. I need access to my Experian account to correct things and their system doesn't resolve it. 

I'd like your agency to get a hold of a physical person not a machine and have them update my email and password, address etc. It's not that hard to do this with other companies. The people who stole my identity had no problem doing it so there needs to be a way for them to end me to a staff member or by mail.

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 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
There are two collections from XXXX XXXXXXXX in my credit report that are not mine they're from XXXX XXXX XXXX never been there and I spoke with the AI a few weeks ago where the AI stated he was going to escalate the issue yet I have not heard back I called back there's no information and I need them to correct this issue immediately 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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a XXXX transfer of {$2000.00} to a trusted recipient using their phone number registered with XXXX. Although the transaction was initiated on XX/XX/XXXX, the transaction date listed on my checking account is XX/XX/year>. 

My bank has confirmed that the payment was successfully sent via XXXX to the intended phone number, and XXXX has also verified that the funds were delivered to an enrolled user. Additionally, I verified the full name associated with the XXXX profile, and it matched the name of the intended recipient. 

Despite this, the recipient states they have not received the funds in their account. As the sender, I have no visibility into the destination account number or masked account last digits ( I'm aware of the phone number used in the transaction ), and my recipient has no record of the funds arriving. 

I have asked my bank to trace the transaction and provide information on the destination account number or masked account number, as I need to verify where the money was ultimately deposited to the intended account. However, the bank has stated that they are unable to provide the account number or further details because it was a XXXX transaction. I find this unacceptable given the amount involved and the fact that XXXX is a digital transaction platform that should allow for traceability. 

I requested assistance in obtaining a trace of the transaction and confirmation of the destination account information. If the recipients account is suspended, frozen, or otherwise restricted, that should be identifiable by the recipients bank. But I was not given the information other than the known phone number details I already had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Experian and Equifax are reporting a business credit card as a personal debt. I was not personally liable for this business account, did not sign a personal guarantee, and it is being reported as an individual account. TransUnion investigated the same item and removed it, confirming it was incorrectly reported. Despite this proof, Experian and Equifax refuse to remove the inaccurate information, creating inconsistent reporting across bureaus. I have also spoken with the card issues numerous times asking for proof that I agreed to accept personal liability or have the claim reported under my personal credit, and, while they have sent many papers to me, theres still nothing that actually shows my agreement to this. Additionally, the reporting bureaus only added the card to the report years after the business opened the account, and there are clear gaps in information. Most egregiously, that they are calling it an individual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Momnt Technologies, Inc.
State: MD

Complaint narrative:
Complaint Summary I am filing a complaint regarding XXXX XXXX and their financing partner, Momnts loan, due to a failure to issue a refund for a cancelled XXXX and the negative impact this has had on my credit. 



What Happened I scheduled a XXXX with XXXX XXXX and financed it through Momnts. 
Before the XXXX date, I cancelled the procedure. XXXX XXXX acknowledged the cancellation and confirmed via email that they would issue a refund within XXXX business days. 
Despite this written confirmation, over a year has passed and no refund has been issued. 
I followed up multiple times with XXXX XXXX and each time they either stalled or reassured me that the refund would be processed, but it never was. I have copies of communications showing their agreement to refund. 
Meanwhile, the balance has remained on the Momnts loan account. This has resulted in the account showing unpaid charges on my credit, which has negatively affected my credit score and financial life. 



Steps I Took I reported the issue to the Attorney XXXX office, who stated it falls under another offices jurisdiction. 
I also filed with the Better Business Bureau ( BBB ), but XXXX XXXX did not respond. 
I contacted Momnts loan directly, and while they attempted to reach XXXX XXXX, they also have not been able to retrieve the funds. 
Despite my repeated efforts, I am still stuck with the charges while XXXX XXXX keeps the money. 



Impact The refund that XXXX XXXX promised was never returned, even after more than a year. 
My credit score has been damaged due to this unresolved debt.

This has affected my financial stability and ability to access credit. 



Requested Resolution I am requesting that CFPB : XXXX. Hold XXXX XXXX accountable to issue the refund they confirmed in writing. 
XXXX. Ensure that Momnts loan corrects or removes the negative credit impact since this debt exists only because XXXX XXXX failed to honor the refund. 
XXXX. Provide oversight to prevent XXXX XXXX from continuing this type of misconduct with other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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: IN

Complaint narrative:
I am filing this complaint to dispute several inaccurate, misleading, and unauthorized items that are appearing on my credit report. These entries are directly violating the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be accurate, complete, and verifiable. The continued presence of these items is causing unjust damage to my credit profile and financial stability. 

Disputed Items : Wrong Address Reported XXXX XXXX XXXX XXXX, XXXX, IN XXXX This is not, and has never been, my address. Reporting of an incorrect address is misleading, creates confusion, and potentially exposes me to identity-related risks. 

XXXX  Account XXXX High Balance : {$210.00} Date Opened : XXXXXX/XX/XXXX Status : Chargeoff This account is being inaccurately reported as charged off. The reporting is either in error or unverifiable. I demand full validation and proper correction or removal of this tradeline. 

Unauthorized/Improper Credit Inquiries Discover XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXXXXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  ( Inquiry ) These inquiries were made without my knowledge or consent. Under the FCRA, credit inquiries must be authorized by the consumer. These entries are damaging my creditworthiness and must be removed immediately. 

Violations & Harm Reporting an incorrect address, an inaccurate charge-off, and unauthorized inquiries violates Sections 604 and 607 of the FCRA.

These errors are lowering my credit score, limiting my access to fair credit, and causing ongoing financial harm.

Requested Resolution I respectfully request that the CFPB : Investigate each of the disputed items listed above.

Direct the relevant furnishers and credit bureaus to remove or correct all inaccurate and unauthorized information.

Provide me with written confirmation of the investigation results and details of any corrective action taken.

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