vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am disputing the accuracy of the following accounts on my Equifax credit report. The listed accounts have incorrect balances, reporting errors, and other discrepancies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I request that Equifax investigate and correct these errors. 

Disputed Accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Beginning in mid XXXX and continuing into XXXX, I began receiving collection attempts from MIDLAND CREDIT XXXX regarding an alleged debt connected to an insurance-related account. The company repeatedly contacted me by phone and mail, even though I had previously disputed the accuracy and validity of the balance with the credit bureaus. I am requesting that the company be instructed to stop all communication with me, investigate their actions, and provide written confirmation that they will comply with federal law. I also request that any negative or inaccurate information they furnished to the credit reporting agencies be reviewed for accuracy and removed if it can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this dispute for accounts that I believe to be inaccurate or incomplete on my credit report from Equifax. Below are the accounts in dispute : Charged Off Accounts XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX , Account # : XXXX, Date : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$320.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$60.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$170.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$110.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX, Account XXXX : XXXX, Date : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX, Account XXXX : XXXX, Date : XX/XX/XXXX, Balance : {$73.00} XXXX, Account # : XXXX , Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # : XXXX XXXX Date : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$3000.00} UNAUTHORIZED COLLECTION, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$330.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: McKenzie Management LLC
State: WA

Complaint narrative:
In early XXXX, I obtained an advance from XXXX XXXX XXXX for my business. From the beginning, the company failed to clearly disclose the real cost of the advance, the total repayment amount, and the effective interest rate. They represented the product as a simple business advance, but the fees and repayment structure functioned as a high-cost, predatory loan. 

Over time, McKenzie continued adding fees, manipulating balances, and increasing the repayment amount far beyond what was originally presented. My total repayment exceeded the principal by an extreme and abusive amount, reaching over {$300000.00} on an advance of approximately {$200000.00}. These charges were never properly explained or justified. 

In late XXXX and XXXX, McKenzie attempted to collect aggressively and filed actions in Florida. They obtained a default judgment after failing to properly serve my business. The company used this defective judgment to freeze my bank account and seize funds without providing any prior notice or validation. They withdrew thousands of dollars from my XXXX account. 

In XXXX and XXXX, McKenzie continued contacting me through threatening text messages, pressuring me to pay through an online link they created using my businesss information without authorization. The messages contained intimidation, harassment, and misleading statements, including threats to use this against my business legally.

I repeatedly requested : ( 1 ) a full validation of the debt, ( 2 ) a complete payment history, ( 3 ) the original contract, ( 4 ) an explanation of all fees and interest, and ( 5 ) written communication. McKenzie did NOT provide any of this.

Instead, they continued to send harassing messages and attempted to collect on a judgment that is now CLOSED. They are still trying to enforce it through new payment demands and online links. 

I believe XXXX XXXX has violated federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Act ( CFPA ), and laws against deceptive, unfair, and abusive acts or practices ( UDAAP ). Their conduct includes : Failing to validate the debt Charging abusive and undisclosed fees Misrepresenting the nature of the advance Using an invalid service process to obtain a judgment Attempting to collect on a closed judgment Harassing and threatening communications Unauthorized creation of online payment links Freezing and seizing funds without proper documentation I am requesting that the CFPB investigate XXXX XXXX and require them to : ( 1 ) provide full documentation of the account, ( 2 ) correct or remove any illegal charges, ( 3 ) stop all harassment and illegal collection attempts, and ( 4 ) review the improper judgment and the funds taken from my bank account.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rozlin Financial Group, Inc.
State: NV

Complaint narrative:
Rozlin Financial Group has erroneously posted a collection account belonging to XXXX XXXX XXXX, XXXX onto my personal credit report. This business debt is not my personal liability, and the incorrect posting has caused a drop of XXXX points in my personal credit score. Personal and business credit profiles are distinct and separate.

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 2025-11-17 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: GA

Complaint narrative:
I am reporting inaccurate information related to a XXXX XXXX credit card account that was closed on or around XX/XX/year>. TransUnion is reporting that this account has a current payment status of XXXX  days late, an amount past due of {$9.00}, and multiple late payments ( XXXX and XXXX ), even though the account is now closed and should not be reporting an active late status. 

I disputed this information previously, but TransUnion marked the dispute as dispute resolved reported by grantor, without providing any documentation from XXXX XXXX validating the accuracy of the late payments or past-due amount. The information continues to update inaccurately each month. 

This account was closed by the credit grantor, and the last payment was reported on XX/XX/year>. After the closure, the account should not continue reporting new delinquencies or an active past-due balance. TransUnion failed to conduct a reasonable investigation under FCRA 611 because the inaccurate and unverifiable information continues to appear.

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 2025-11-17 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 reporting inaccurate information related to a XXXX XXXX credit card account that was closed on or around XX/XX/year>. TransUnion is reporting that this account has a current payment status of XXXX  days late, an amount past due of {$9.00}, and multiple late payments ( XXXX and XXXX ), even though the account is now closed and should not be reporting an active late status. 

I disputed this information previously, but TransUnion marked the dispute as dispute resolved reported by grantor, without providing any documentation from XXXX XXXX validating the accuracy of the late payments or past-due amount. The information continues to update inaccurately each month. 

This account was closed by the credit grantor, and the last payment was reported on XX/XX/year>. After the closure, the account should not continue reporting new delinquencies or an active past-due balance. TransUnion failed to conduct a reasonable investigation under FCRA 611 because the inaccurate and unverifiable information continues to appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
- on XX/XX/year>, wells fargo sent notice by mail of my CD maturing on XX/XX/year>. I called the number to get promotional terms ( XXXX XXXX ) but was told that it was too early to call. I asked them to make sure that the XXXX does not renew at the term of XXXX XXXX  They agreed. 
- I was out of the country in XXXX and then I receive notification that they renewed my CD without my approval with the term being XXXX XXXX 
- I had to go into the bank and complain and they made me pay a penalty of {$540.00} to get the higher terms after closing the original CD.

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Their reporting and collection efforts regarding the alleged rental debt are unlawful, unverified, inaccurate, and in direct violation of : The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & 1681s-2 ( b ) ) The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g & 1692e ) The XXXX Consumer Debt Collection Act ( MCDCA ), Md. Code Ann., Com. Law 14-202 The XXXX  Consumer Protection Act ( MCPA ), Md. Code Ann., Com. Law 13-301 et seq.

XXXX prohibition on attempting to enforce a right that does not exist, 14-202 ( 8 ) THEY HAVE FAILED TO VERIFY THE DEBT YET CONTINUE REPORTING IT AND HAVE COMPLETELY TARNISHED AND HURT MY CREDIT REPORT IN VARIOUS WAYS. 

I have previously requested validation ; they have failed to provide : The original executed rental agreement Any documentation showing my income, signature, and approval as a financially liable party A full ledger of charges Proof of assignment or ownership of the alleged debt Any substantiation of the alleged charge-off amount Under FDCPA 1692g ( b ), collection MUST stop until verification is provided.

Under FCRA 1681s-2, they MUST report only information that is accurate and verifiable. 
They have done neither. 

XXXX, stating that XXXX XXXX says this debt is valid, does not verify this debt, and it is now beyond the timeframe that the law allows you to provide documentation that you own this debt. Remove this illegally reported debt that has not been verified and has damaged my credit in various ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-17 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: IL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Issue : World Finance is reporting inaccurate information to XXXX. They transferred my account to a third-party company, yet they continue reporting late payments after the transfer date. This is not accurate or verifiable. 

Details : World Finance assigned/placed my account with a third-party company, but XXXX is still reporting late payments that occurred after World Finance no longer owned or serviced the account. A creditor can not legally continue reporting new delinquency after the account has been transferred, sold, or assigned. 

This violates the Fair Credit Reporting Act ( FCRA ) because : The information being furnished is inaccurate ( 15 U.S.C. 1681e ( b ) ) The information can not be verified since World Finance no longer services the account They failed to correct reporting after I disputed the accuracy directly with them The continued reporting of late payments after transfer is misleading and damaging to my credit report I am requesting : Removal of all late payments that occurred after the date World Finance stopped servicing the account. 

A full reinvestigation by XXXX 

Verification from World Finance of the correct dates and account status at the time of transfer. 

Correction or deletion of the entire account if it can not be verified accurately. 

I am submitting this complaint because World Finance has not corrected the misinformation, and it continues to cause harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
i have a synchrony love sac credit card. I have had this card for over XXXX months without an issue but recently noticed multiple {$40.00} late fees. I asked that they be removed as autopay was supposed to be on when the account was setup and that was denied by customer service. The money was always in the account but needed pulled.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services
State: AZ

Complaint narrative:
Beginning in early XXXX and continuing into XXXX I began receiving collection attempts from XXXX XXXX XXXX regarding an alleged debt connected to an insurance-related account. The company repeatedly contacted me by phone and mail, even though I had previously disputed the accuracy and validity of the balance with the credit bureaus. I am requesting that the company be instructed to stop all communication with me, investigate their actions, and provide written confirmation that they will comply with federal law. I also request that any negative or inaccurate information they furnished to the credit reporting agencies be reviewed for accuracy and removed if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On * * XX/XX/scrub>XXXX XXXX XXXX XXXX, I lost my phone and wallet and had to replace both. After getting my new ID, I tried to regain access to my bank account, but the bank required identity verification. 

On * * XX/XX/scrub>XXXX XXXX XXXX XXXX, I attempted to verify my identity using my passport. The bank said they could not verify me because an old passport I used years ago did not match the current name on my account. 

At the banks request, on * * XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX I went to a notary and completed the notarized identity verification form they required. After submitting this form, the bank still stated they could not verify my identity. 

Since then, between * * XXXX XXXX XXXX XXXX XXXX, I have contacted the bank multiple times to ask for help and to request access to my account. Despite following every step they instructed, the bank has continued to deny me access to my account and my funds. 

I currently can not access any of my money even though Ive provided all documents requested. I am requesting assistance in having the bank properly verify my identity and restore access to my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief