vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: SC

Complaint narrative:
This account is the result of identity theft. I did not authorize, open, or have any involvement with this account. Despite multiple disputes and submission of identity theft documentation, the account continues to appear on my credit report as verified. This constitutes a failure to conduct a reasonable reinvestigation and violates FCRA 1681i, 1681e ( b ), 1681s-2 ( b ), and 1681c-2.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Concora Credits handling of my Milestone credit card account. 

On or about XX/XX/XXXX, Concora restricted my online account access and removed my ability to make payments through normal channels. Since that time, I have had no reasonable way to submit payment or manage my account. 

Despite restricting my access, as of XXXX XXXX, Concora began reporting my account as past due to the credit bureaus. 

I have been unemployed since XX/XX/XXXX and have been paying for the Credit Protection benefit associated with this account. On or about XX/XX/XXXX, I attempted to seek assistance under this benefit but was unable to do so because Concora restricted my access and failed to provide a clear process to activate or use the benefit. 

Reporting my account as delinquent while simultaneously preventing access to payment options and paid-for credit protection benefits is inaccurate and unfair and does not reflect my willingness or ability to pay. This reporting is causing ongoing harm to my credit. 

I am requesting : Correction of any inaccurate past-due credit reporting Clear written instructions and restored access to submit payment Review and proper application of the Credit Protection benefit Written confirmation of how this account will be handled going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moxley & Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification from Moxley XXXX that I owed {$10000.00}. This was for a credit card that I never opened from a bank that I never used. This is a fraudulent attempt to collect money that was never owed. I ran a credit report on XX/XX/XXXX and I have no history of this credit or debt in my entire credit history. 

The language in the letter was demeaning, threatening, and scary. 

This letter was from Moxley & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX for FDCPA and FCRA violations regarding an alleged debt they are attempting to collect and report on my credit file. 
PRIMARY VIOLATIONS : 1. UNSIGNED CONTRACT - NO LEGAL OBLIGATION XXXX XXXX provided me with a copy of the alleged debt contract that does NOT contain my signature. Under contract law, a valid contract requires signatures from all parties. Without my signature, there is no legally binding agreement and no legal basis for this debt. XXXX XXXX is reporting this unsigned, unverified debt in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information. 
2. DEBT BUYER WITH NO LEGAL STANDING XXXX XXXX is a debt buyer who purchased this alleged debt. I have NO contractual relationship with XXXX XXXX. They chose to purchase this debt as a business investment decision and assumed the risk when buying questionable debt without my signature. Their poor business decision to buy unverifiable debt does not create an obligation on my part. When debt buyers purchase debt, they acquire it subject to all existing defenses- since there is no valid signed contract, XXXX XXXX purchased nothing of legal value. 
3. CHAIN OF TITLE FAILURE XXXX XXXX can not provide : ( 1 ) Documentation showing legal transfer of debt ownership, ( 2 ) Complete chain of title from original creditor to XXXX XXXX, ( 3 ) Proof of legal authority to collect or report this debt, ( 4 ) Original signed agreement. This violates FCRA 623 ( a ) ( 1 ) requirements for reasonable procedures to ensure accuracy. 
4. CONSUMER NOTIFICATION FAILURE XXXX XXXX failed to provide proper notifications required under FCRA 615 ( f ) when they purchased this debt. I was never informed of the debt sale, my rights, or XXXX XXXX contact information. 
HARM SUFFERED : Credit score damage Unable to obtain favorable credit terms Denied credit applications Emotional distress from invalid debt collection Time and resources spent disputing fraudulent debt Without my signature on a contract, there is no debt. XXXX XXXX decision to purchase invalid debt does not transform it into a valid obligation. I should not suffer credit damage because XXXX XXXX made a poor business decision to buy unverifiable, unsigned debt. 
EVIDENCE ATTACHED : Copy of unsigned contract from XXXX XXXX ( proving no consumer signature ) Correspondence with XXXX XXXX Credit report excerpts showing their reporting Debt validation requests and inadequate responses I declare under penalty of perjury that this information is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I requested that Capital One verify this account because it is not mine. I did not receive a response. On XX/XX/year>, XXXX XXXX requested verification of this account and also requested a 1099-C. I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Beginning in or XXXX XXXX, this auto loan began reporting delinquent payment statuses, including [ XX/XX/XXXX ] -day late payments, during a period in which the vehicle was subject to a lemon law claim and was not fully operable for its intended use. During this time, the account balance increased primarily due to fees, interest, or payment application practices rather than missed contractual payments. 

The credit reporting for this account is internally inconsistent. Certain months are reported as delinquent while other months reflect partial payments, missing data, or unexplained balance changes. In XX/XX/XXXX, a payment of approximately {$800.00} was made ; however, the account continued to report an escalated delinquency without documentation explaining how that payment was applied or why the delinquency status increased during an unresolved lemon law process. 

On XX/XX/XXXX, I disputed the accuracy of this reporting and requested verification of the payment application history, including documentation showing how payments, fees, and charges were applied during the lemon law period. The company failed to provide documentation substantiating the reported delinquency levels or addressing the impact of the lemon law claim on the accounts reporting. 

Despite the dispute, the account continues to report the same delinquent payment history. Reporting delinquency without maintaining or producing a complete and accurate payment application ledgerparticularly during a lemon law disputeconstitutes misleading reporting and violates the requirement to report with maximum possible accuracy under FCRA 1681e ( b ). Verifying disputed information without addressing these inconsistencies also raises concerns under FCRA 1681s-2 ( b ) regarding the reasonableness of the investigation. 

I am submitting this complaint because the inaccurate and incomplete reporting remains unresolved and continues to cause harm.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am an Illinois consumer filing this complaint regarding unlawful debt collection and inaccurate credit reporting. 
A third-party debt collector, XXXX XXXX, is attempting to collect and is furnishing credit reporting information regarding an alleged consumer debt originally associated with XXXX XXXX XXXX XXXX XXXX 
I verified through the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that XXXX XXXX is not licensed or registered to operate as a collection agency in XXXX ( No records found ). 
Despite lacking required Illinois licensure, XXXX XXXX has engaged in collection activity, including furnishing information to XXXX XXXX XXXX, which constitutes continued collection activity. 
I timely sent a written debt validation request pursuant to 15 U.S.C. 1692g ( b ). XXXX XXXX failed to provide validation and nevertheless continued collection activity and credit reporting, in violation of 15 U.S.C. 1692g ( b ) and 1692e.

The continued furnishing of this tradeline by an unlicensed collector has resulted in inaccurate and unlawful credit reporting. Furnishing information without lawful authority or reasonable investigation violates 15 U.S.C. 1681s-2 ( a ), and the credit reporting agencies continued maintenance of this tradeline raises concerns under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> {$750.00} paid XX/XX/year> {$750.00} paid XX/XX/year> {$750.00} paid XX/XX/year> {$750.00} paid XX/XX/year> {$750.00} paid Paid to the company to represent me with XXXX  XXXX XXXX to help restructure my home loan. He spoke to me monthly, then weekly stating they received all the paperwork they needed. Sent him all paystubs, bank statements and anything else he needed. He did not stop foreclosure and tells me they have everything.His name is XXXX XXXX with XXXX XXXX, is this even a real company? 
Direct line : XXXX office : XXXX. I paid him XXXX total to do nothing but scam my money it seem like.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
SUMMARY OF COMPLAINT I am requesting the Consumer Financial Protection Bureau to investigate and intervene in XXXXXXXX XXXX  loans I obtained, due to extensive misrepresentation, installation defects, ongoing system failures, and permanent loss of all warranties after the contractor filed XXXX XXXX XXXX  shortly after installation. 

ISSUE 1 MISREPRESENTATION & DECEPTIVE SALES PRACTICES The XXXX provided multiple conflicting proposals, changed system sizes, misrepresented production, and promised warranties and long-term service that they never intended to provide. 

The system was financed based on : XXXX workmanship warranty XXXX labor warranty Lifetime XXXX  XXXX guarantee XXXX years of free service Monitoring and technician support These promises were not true. 

ISSUE 2 SYSTEM FAILED IMMEDIATELY AFTER INSTALLATION Within XXXX XXXX  of installation ( XX/XX/XXXX ), the system experienced : XXXX failures Breaker trips Array shutdowns Nonproduction even on clear days Emails from XXXX XXXX show repeated attempts to get service with no success. 

ISSUE 3 ONGOING FAILURES DOCUMENTED BY XXXX  XXXX  ( the manufacturer ) documented : Wiring defects Possible junction box issues Branch circuit problems Multiple microinverters offline System-wide failures XXXX repeatedly stated a technician was required onsite. The installer never sent XXXX. 

ISSUE 4 INSTALLER BANKRUPTCY AND LOSS OF ALL WARRANTIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX, confirmed by XXXX records. 

XXXX confirmed in XX/XX/XXXX : Your installer is out of business. 

All warranties included in my financed contracts are now permanently void. 

ISSUE 5 LENDERS CONTINUE TO COLLECT PAYMENTS FOR A DEFECTIVE, UNSUPPORTED SYSTEM Both XXXX XXXX XXXX XXXX ( XXXX ) continue to collect payments despite : System failure Contractor bankruptcy No warranty coverage Unsafe wiring issues Four-year history of defects XXXX ability to obtain required repairs This constitutes an unfair and abusive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
There is XXXX accounts on my credit report for Conns that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am filing this complaint regarding Fortiva XXXX Credits handling of my XXXX XXXX benefit and its collections practices. 

On XX/XX/year>, I contacted Fortiva regarding my account after experiencing financial hardship, including unemployment and a recent death in my family. During this call, I spoke with a collections representative named XXXX. I clearly explained my hardship and requested assistance and guidance regarding the Credit Protection benefit that I pay for on this account. 

Despite this, the representative ignored what I was saying, continued typing without addressing my questions, and refused to explain whether or how my Credit Protection benefits could be used. 

Later on XX/XX/year>, I was escalated to a XXXX named XXXX, who spoke over me, dismissed my concerns, and again refused to provide guidance or assistance related to the Credit Protection benefit.

I am paying for Credit Protection coverage yet was denied meaningful assistance, clear information, or support during a documented hardship. I was not provided with instructions, eligibility details, or next steps, and my hardship was not appropriately addressed. 

Fortivas failure to provide assistance for a paid consumer protection product and the conduct of its representatives during collections communications is inappropriate and unfair and defeats the purpose of the Credit Protection benefit. 

I am requesting that Fortiva review this matter, document my hardship appropriately, and take corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
This complaint is submitted against Diversified Adjustment Services , Inc. for their continued and willful violations of federal consumer protection laws. This company has fraudulently reported a collection account under my name without my consent, without valid proof, and without responding to two separate certified dispute demands. The account in question ( allegedly for XXXX in the amount of {$1300.00} ) that I have yet to receive any information on regarding this account. This account through Diversified Adjustment Services was never authorized by me, and no lawful contract or agreement has ever been presented. 
Despite receiving timely disputes on XX/XX/XXXX and XX/XX/XXXX, Diversified Adjustment Services failed to provide any of the legally required documentation, yet continued to mark the account as " verified '' with XXXX  and XXXX  as recently as XX/XX/XXXX. 
This conduct has caused me direct and ongoing harm, including : Loss of credit opportunities XXXX, XXXX, and stress Emotional distress Unjust reporting of private data without consent Financial loss and reputational damages II. Timeline of Key Facts XXXX XXXX, XXXX : First Notice of Dispute & Demand for Validation sent and delivered XXXX XXXX, XXXX at XXXX XXXX XXXX. 
XXXX XXXX. : XXXX. 

XXXX XXXX, XXXX : Second Notice of Default & Identity Theft Affidavit sent, warning of continued violations if unresolved. 
Delivered and notarized on XXXX XXXX, XXXX. 
XXXX XXXX : XXXX. 

XXXX XXXX, XXXX : Tradeline updated and re-verified by Diversified Adjustment with both XXXX  and XXXX they were on legal notice. 
( Screenshots included as proof of post-dispute activity. ) XXXX XXXX, XXXX : XXXX Notice delivered and received, still no response or validation to this day. 

III. Violations of Law Diversified Adjustment Services has violated the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681e ( b ) : Failure to ensure maximum accuracy of consumer information.

1681i : Failure to investigate upon dispute.

1681n, 1681o : Willful and negligent noncompliance.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692g ( b ) : Failure to validate alleged debt after written dispute.

1692e : Misleading and deceptive practices in reporting false debts.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

Improper handling and dissemination of non-public financial information.

Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 ( a ) Using my identity without consent to verify, maintain, or share false debt.

Electronic Communications Privacy Act ( ECPA ), 18 U.S.C. 2510 Unauthorized use of electronic systems to report false data. 

Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act Coercive reporting designed to pressure or extort payment from consumers under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
When I opened the account on XXXX XXXX, there was a promotion stated in the following terms ( see attachements ) : Ally Bank is offering a {$300.00} checking bonus when you open a new checking account with promo code XXXX and complete the following requirements : Add money to your account within 30 days of opening or it will close Set up qualifying direct deposits of at least {$1000.00} a month for two consecutive months. 
Your {$300.00} cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly {$1000.00} QDD minimum. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout. 

After the account was opened on XXXX, I made two direct deposits : {$1100.00} on XXXX and {$1100.00} on XXXX ( see attachments ). But I still didn't receive the advised {$300.00} bonus as of today on XX/XX/XXXX. I called the company and ask for investigation and the issue was received but I never heard a reply back. Here I demand the {$300.00} bonus that I deserve

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