vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have no idea what this account is!! I dont know what its on my credit report! I need this account to be removed or show me a contract! This is absolutely wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I was notified by my credit reporting service that a new account was opened in my name at Concora Credit in XX/XX/year>, for an XXXX XXXX store card. The card seems to have been opened in XXXX Florida, and was approved despite the fact that I've never been to XXXX, have no credit history there, etc. 

I disputed with a copy of an Identity Theft report, a copy of my driver 's license in XXXX, where I actually live, and a signed affidavit that it was not my account, but Concora Credit rubber stamped the dispute with " this account was verified as yours '' without providing me what the proof is.

I keep getting form letters from them and no actual evidence, and the only communication line offered is a phone line to a call center.

If they are disputing my affidavit for what seems to me to be a clear case of identity theft, they need to have conducted thorough research and have sufficient proof. I have a mortgage in XXXX, my job is in XXXX, all of my credit history is in XXXX. Why a furniture store credit card opened for the wrong address in Florida was approved in the first place, I don't understand. I shouldn't have to pay for a lawyer for this.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: FL

Complaint narrative:
MOHELA has unlawfully reinserted and re-reported student loan accounts that were previously paid, closed, or deleted. My loans were transferred from MOHELA to XXXX and then back to MOHELA, causing duplicate tradelines, incorrect statuses, and data corruption across my credit reports. 
These repeated transfers and inaccurate reinsertions violate the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) ), the Equal Credit Opportunity Act ( ECOA 1691 ( d ) ), and Metro 2 furnishing standards. 
MOHELA has furnished unverifiable, re-aged data and failed to maintain procedures for accuracy. Once data has been transferred multiple times, it can no longer be verified and must be permanently deletednot reinvestigated. 
I demand permanent deletion of all MOHELA-related student loan tradelines from my credit file, confirmation of deletion in writing, and cessation of all further reporting. 
Their actions have caused adverse credit impacts, damaged my financial standing, and restricted housing and employment opportunities. Leaving me with stress and anxiety issues that I take medication for.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MD

Complaint narrative:
At approx XXXX pm on XX/XX/year> I attempted to use the ATM at XXXX XXXX XXXX and the funds was not dispensed due to an error ( Jammed door ) according to the receipt. I called the number on the atm and it stated that I had to reach out to the bank that issued the card which is Cash App. I reached out to them and they saying they need to investigate and it can take up to XXXX days to complete the investigation. I need my money now. Especially since the receipt is self explanatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-27 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: VA

Complaint narrative:
I have been challenging these bogus and erroneous accounts. In my last dispute, I also attached an FTC form. This is my final dispute with this account ; following this, I will proceed to civil court in my state of Virginia to file a claim against your company. I am demanding that this account be investigated and deleted.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Halsted Financial Services, LLC.
State: NM

Complaint narrative:
I paid XXXX XXXX, ( {$800.00} ) to handle this along with the 3 major credit bureaus. They asked for Proof of ownership, a copy of any contract or agreement that was signed by me. The payment history, amount alleged debt and the validation of this. Im Getting Harassing calls from theses companies on a daily basis and email ( threatening court ). I have never been notified about theses two companies. 
They do not leave a number, the are not the original creditor. And they never sent any requested documents. I had XXXX XXXX explain that everything needed to be sent via USPS, no calls. They are not in compliance. 



Halsted Financial Services XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I paid off my auto loan with Wells Fargo on XX/XX/2025. I told them that I had sold the vehicle and needed the lien release so that the buyer could license the vehicle. I asked could they fax the release, the answer was no. I asked could they email the release answer was no. They told me that if I provided them with my personal XXXX account number that they would overnight it to me on XX/XX/2025, they did not. I called and was told it would be sent out on XX/XX/2025, it was not. I called again today, XX/XX/2025 and was told they have been waiting on XXXX to pickup the package since XX/XX/2025. 

I do not see why the release can not be faxed or emailed or why it is taking this long to release the title since the loan has been paid in full.

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 2025-10-27 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:
Dear XXXX  I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year>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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : ALXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this complaint because Ally Financial is inaccurately reporting my auto loan account as a charge-off or in collections, when in fact this was a * * voluntary repossession * * that took place on XX/XX/year>. I voluntarily surrendered the vehicle and cooperated fully with Ally Financial throughout the process. This was not a forced repossession or abandonment. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, furnishers of information and credit bureaus must ensure maximum possible accuracy. Reporting this as a charge-off instead of a voluntary surrender is materially misleading and has caused significant harm to my credit profile. I request that Ally Financial and the credit bureaus correct the account reporting to accurately reflect Voluntary Repossession rather than Charge-off or In Collections. I also request removal of any associated derogatory or inaccurate late payment entries related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I applied for the XXXX repayment plan on XX/XX/XXXX through StudentAid.gov after XXXX advised me to switch.The Department of Education transmitted my application, and XXXX processed it in XX/XX/XXXX, but instead of fully activating XXXX, they repeatedly placed my loans into forbearance. 

From my officiaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Forbearance ( XXXX processing ) * XX/XX/XXXX XX/XX/XXXX : Forbearance XXXX XXXX setup ) * XX/XX/XXXX XX/XX/XXXX : In Repayment XXXX XXXX  active, qualifying months ) * XX/XX/XXXX XX/XX/XXXX : Forbearance ( XXXX injunction hold ) * XX/XX/XXXX present : In Repayment ( XXXX restored ) I re-applied for XXXX in XX/XX/XXXX, but XXXX didnt finish until XXXX XXXX, leaving me in non-qualifying status for months.All of this occurred due to administrative handling and the XXXX injunction not any borrower request. 
Because of these delays, my forgiveness date moved from XXXX to XXXX, pushing it past the tax-free forgiveness cutoff ( XX/XX/XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
in XX/XX/year> I purchased XXXX  from a pop up store in XXXX, GA, XXXX XXXX. Amount of {$10000.00}. I promptly returned the product the following day and had a heated discussion with the merchant. I left all o the product just as I had received it on the floor at this feet and immediately left. I immediately filed a dispute with AMEX, which they denied. So I am expected to pay the {$10000.00} for product that I no longer have. I contacted XXXX XXXX ( XXXX XXXX ) the merchant. He informed that he closed his pop up shop and he would ask another merchant ( XXXX XXXX XXXX  XXXX in XXXX FL ). 
He sent me the replacement products. Then called me a couple of weeks later saying that XXXX had not been paid and now he ( XXXX XXXX has not been paid. He asked for my credit card and I gave him my AMEX #. Then I was charged {$10000.00} to my AMEX card. XXXX is still saying that he did not receive his payment, but I was told by AMEX that both merchants were in fact paid. And Now I am charged over {$20000.00} for was to be one product. I contacted both merchants time and time again, opened disputes time and time again. 
I asked for XXXX to send me a letter stating that I was due a refund from him for {$10000.00}. He send me a letter that he had certified, which I will include. I thought this would clear the matter up, however, when AMEX contacted XXXX, HE SAID THAT I FORGED THE NOTARIZED LETTER. Let me ask you this ... Who do you think is the honest person here? I have been an AMEX XXXX  card carrier for over 20 years. I am no liar. Did someone even contact the Notary, and did he lie also? 
This has destroyed my credit and has caused me much XXXX. I am XXXX XXXX XXXX and I feel that XXXX thinks he can XXXX me and that I will give up.

Company response to consumer: Closed with monetary relief