vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to JEFFERSON CAPITAL SYSTEM regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$3600.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, JEFFERSON CAPITAL SYSTEM failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I am filing a complaint against MB Financial Services and the credit reporting agencies for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the MB Financial Services repossession account ( Acct : XXXX ). Despite multiple disputes, the account continues to be reported inaccurately and inconsistently across all three bureaus, violating FCRA 607 ( b ) ( failure to maintain maximum accuracy ). The bureaus marked the account as verified, yet MB Financial Services and the XXXX failed to provide the legally required XXXX XXXX XXXX under FCRA 611 ( a ) ( 7 ), and no documentation has ever been provided to validate the accuracy of the data being furnished. The account contains conflicting dates, inconsistent status updates, and contradictory dispute comments, demonstrating that no reasonable reinvestigation took place in violation of FCRA 611 ( a ) ( 2 ). In addition, MB Financial Services continues to furnish factually inaccurate information and failed to properly investigate disputes as required under FCRA 623 ( a ) and 623 ( b ). This inaccurate reporting is causing ongoing damage to my credit and financial harm. I am requesting that the CFPB require MB Financial Services and the credit bureaus to provide the full XXXX XXXX XXXX  correct all inaccurate information, or immediately delete the account from XXXX, XXXX, and XXXX if it can not be verified with original source documentation. I am attaching supporting credit reports and dispute records for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. XXXX  what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter XXXX  for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX XXXX at XXXX pm my card was used on XXXX to order something to Florida. XXXX  never been to Florida or authorized my card to be used. My card was locked so I was confused on how it went through. Someone had gotten into my XXXX account and changed my email to theres and ordered mens XXXX. I contacted XXXX and they told me it was too late to cancel the order even tho it was minutes after it was used to purchase it. I contacted cashapp to dispute it and it keeps getting denied. I received a letter saying I authorized the purchase or gave someone permission to use my card due to the activity in my account which is not true. I use cashapp daily so I had used my card in the day but never for this transaction. Its been days and XXXX  filed XXXX disputes that have been denied for XXXX  same reason. When I call the support team XXXX  told I will receive an email on how to resolve this issue but only keep receiving denied notifications. The person used my name and phone number for the shipping information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report with Experian. I believe these items are inaccurate, and I request that they be investigated and corrected accordingly. 

Charged Off : XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : 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 2025-11-25 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:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. XXXX  encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax / XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within XXXX  days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. XXXX, XXXX  ( 2XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the following accounts listed on my Equifax credit report. These accounts are reported inaccurately, and I request that they be investigated for compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the following accounts are listed as " Charged Off '' incorrectly and require correction : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and I made a withdrawal on an atm outside of Wells Fargo address : XXXX XXXX XXXX XXXXXXXX on XX/XX/year> at XXXX and I withdrew {$340.00} to make a payment and I received XXXX old style {$100.00} dollar bills and XXXX {$20.00} bills so the next day I tried using them to make a payment at a law firm they didnt take XXXX of the bills because they didnt think it was real so I went back to pick up the {$100.00} dollar bill and went back to the bank to tell them about the incident and they ran it thru the money counter and the atm and the bill was received by there machines so they started inspecting it and they came to the conclusion that the bill was not real so I assumed that they were XXXX XXXX  replace it but no the bank supervisor talk to me and said that I needed to send it to secret service because they didnt know XXXX that bill had came from XXXX  atm so I told them to check the atm camera and investigate further then he just brushed me off with the same story and didnt provide me a solution so I felt very offended because I was the victim and they were treating me like a suspect so on XX/XX/year> I filed a police report with XXXX XXXX and turned them in the XXXX icident XXXX XXXXXXXX police XXXXXXXX XXXX XXXX XXXX XXXXXXXX so there is an open claim with the bank but the supervisor suggested that they probably XXXX XXXX XXXX give me my money back so I decided to contact yall for help.

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 monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am writing to dispute several inaccuracies regarding my credit report. Below is the list of accounts in dispute : EQUIFAX - CHARGED OFF XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am an active-duty servicemember who was XXXX from XXXX through XX/XX/year>. During this period of military service, and through no willful neglect, I inadvertently failed to set up automatic payments on my credit accounts. As a direct result of my XXXX obligations, late fees were assessed and negative information was reported to the consumer Credit Reporting Agencies. 

Upon returning from XXXX on or around XX/XX/year>, I promptly invoked my rights under the Servicemembers Civil Relief Act ( SCRA ), XXXX XXXX. XXXX, with XXXX XXXX XXXX XXXX. My account was retroactively adjusted to my active-duty start date, consistent with SCRA-mandated backdating XXXX. Despite this, I was subsequently notified that my account was permanently closed on XX/XX/year>, even though I had already provided written notice of my active-duty status via Certified Mail on XX/XX/XXXX, XXXX satisfies the XXXX requirement for providing a creditor written notice and a copy of military orders. 

Under the XXXX, creditors are explicitly prohibited from taking adverse actionssuch as account closures, penalty assessments, or negative credit reportingsolely due to a servicemembers inability to meet financial obligations arising from military service. The Act was designed to protect servicemembers from precisely this type of punitive action when their military duties materially affect their ability to manage civilian financial responsibilities. My XXXX significantly limited my ability to receive, review, and respond to mail or creditor communications in a timely manner, and I acted diligently upon my return. 

Additionally, since coming home, I have been actively paying down the balance on the account and attempting to resolve the matter in good faith. On XX/XX/XXXX, I contacted customer service XXXX separate times to seek reinstatement of my account and to ensure proper application of my XXXX benefits. Instead of receiving accurate assistance from Fidelitys SCRA or military benefits department, I was repeatedly misdirectedincluding being referred to U.S. Bank at XXXX, which has no connection to the administration of my XXXX account or my military protections.

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 2025-11-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: AK

Complaint narrative:
LEGAL NOTICE : HELLO I DONT KNOW WHAT IS WRONG WITH THIS COMPANY I DONT KNOW WHY THIS COMPANY KEEPS BREAKING THE LAW THIS IS MY LAST NOTICE OR IM SUING.AND THE CFPB HOW ARE YOU GUYS LETTING THIS COMPANY GET AWAY WITH FRAUD I HAVE NO BUSINESS WITH THIS DEBT COLLECTION NATIONAL CREDIT SYSTEMS I HAVE FILED WITH THE CFPB, THE DFES, THE ATTORNEY GENERAL OF GEORGIA, THE BBB, NMLS, FOR LICENSE VIOLATION THIS COMPANY KEEPS HARRASSING ME CALLING ME EMAILING ME CONTACTING FAMILY MEMBERS HARRASSING ME AND STILL RE ENTERING THIS ALLEDGE ACCT # XXXX AFTER I TOLD THEM TO CEASE AND DESIST ACCORDING TO Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ALSO IMMEDIATELY UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtor 's credit. DELETE IMMEDIATELY THIS COMPANY HAS CAUSE HARM FINANCIALSTRESS, HEALTH PROBLEM, IM BUILDING UP A CASE KEEPING EVERY DISPUTE EMAILS CALLS TEXTS REPORT LETTERS FILE WITH DATE THIS IS YOUR LAST OPPORTUNITY TO CURE. COURT STARTS IN THE MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer working to improve my credit, and I am disputing the following accounts due to discrepancies in reporting. I respectfully request that these be thoroughly investigated, and that all inaccuracies be corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Inquiries : ( There are no inquiries listed for Equifax. ) Late Payments : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: LEXISNEXIS
State: MI

Complaint narrative:
In 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I requested a name change XX/XX/year> due to getting married. Requested westlake financial to uodate my name. Westlake advised they will update my name and send the new title to XXXX. XXXX has advised the title was lost and can not register my vehicle until westlake requests for a duplicate title and send it over with my new name. Westlake canceled the request for a duplicate title and will not have any reps or supervisor talk to me. I can not renew my registration and can XXXX XXXX the vehicle to and from work which will make me lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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