vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing this complaint because Hunter Warfield , Inc. is reporting a debt on my credit report that I fully dispute and that is still under investigation. I live in Florida, and my brother XXXX XXXX who lives in New Jersey has also been affected by this incorrect reporting. 

I am submitting this complaint on behalf of both of us. 

We both extended our credit to help a family member, and I personally acted as a co-signer on the original agreement. We are not the primary debtors and were simply trying to help. Despite this, Hunter Warfield has placed negative marks on both of our credit reports. 

In XXXX, a payment was made directly to XXXX, and we were clearly told that there was no remaining balance. Everything was confirmed to be settled and resolved. Then, just XXXX XXXX  later in XXXX a new collection account suddenly appeared, tied to what they now claim was a prior credit transfer error. This issue is still under investigation. 

We never received any notification about this XXXX XXXX nor my brother. To this day, we have not been informed directly about any collection status or balance owed. As far as we understand, our family member XXXX is still working to resolve the matter, and he has evidence that this situation was caused by an error. It is currently under investigation. 

We have already submitted formal disputes with all three credit bureaus ( XXXX XXXX XXXX XXXX ) regarding this account, and we have identified clear inconsistencies in the dates and reporting details. Despite those disputes and the ongoing investigation, Hunter Warfield has continued to report this debt and caused damage to both of our credit reports. 

This is especially serious because both of us rely on clean credit histories for our professional lives, and now we are urgently required to address this due to the nature of our jobs. 

We respectfully request that the CFPB intervene and require the immediate removal of this collection account from both of our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NJ

Complaint narrative:
This complaint is regarding the companys failure to validate an alleged debt as required by FDCPA 15 U.S.C. 1692g ( b ) and CFPB Regulation F. I requested detailed documentation including the original contract and proof of ownership, but received no legally sufficient response. Case law like XXXXXXXX XXXX XXXXXXXX XXXX requires debt collectors to substantiate debts beyond simple claims. Continued collection or credit reporting without validation violates FDCPA and may breach FCRA under XXXXXXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: VA

Complaint narrative:
Hello to whom is in charge of solving my problems, I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent items off of my credit report and to my surprise, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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 2025-07-26 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue 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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I made a bank transfer with from XXXX to PNC. Neither company PNC bank or XXXX will admit to having the funds. I transferred {$300.00} from XXXX to a closed PNC business bank account. XXXX provided me with a trace number and is 100 % positive that PNC holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 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: MoneyLion Inc.
State: MS

Complaint narrative:
Since XX/XX/XXXX, XXXX has continuously reported my account as " Charged-Off '' every single month from XX/XX/XXXX through XX/XX/XXXX despite the fact that no payment activity has occurred during this time. 

This prolonged Charge-Off status is deceptive and violates federal law. It creates a false narrative of ongoing delinquency, unjustly damages my creditworthiness, and misleads lenders and scoring systems. 
FCRA 1681c ( a ) ( 4 ) : Outdated delinquency reported beyond allowable 7-year limit Monthly charge-off activity falsely implies continued default FCRA 1681e ( b ) : Failure to ensure data accuracy stale and misleading payment history FCRA 1681i ( a ) : Refusal to properly reinvestigate despite my formal disputes Metro 2 Guidelines : Improper use of Status Code 067 ( " Charge-Off '' ) for 47 months Violation of Payment Rating and Account Status standards Inconsistent and inactive account coding ( Fields 16 and 20 ) Consumer Financial Protection Act : Unfair, deceptive, and negligent reporting practices XXXXXXXX XXXX XXXX XXXXXXXX awarded damages for failure to investigate disputes CFPB v. MoneyLion Technologies Inc., No. 1:23-cv-08961 ( S.D.N.Y. 2025 ) deceptive lending and reporting practices XXXX v. MoneyLion Techs., No. 1:24-cv-00703 ( S.D.N.Y. 2024 ) procedural negligence and validation failures

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am banking with chime. They suspended my account for no reason and no warning. I didn't know it was suspended when I deposited XXXX into my account. I've called them at least 10 times and every time they send me to a verification process that I go through and then they say that my documents can't be verified when is a valid in date driver 's license. I told them if my account was suspended then I shouldn't have been able to deposit money. They say I can't get the money out or even close my account without the verification process but the verification process does not work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
I took out a vehicle title loan with TitleMax in the state of Georgia, where I understand I have the legal right to reinstate the loan after default by paying the past due amount plus reasonable fees, not the full balance. 

While temporarily in North Carolina, TitleMax repossessed my vehicle. During the repossession, I believe a breach of peace occurred potentially violating my rights under both Georgia and North Carolina law. After the repo, TitleMax refused to allow me to reinstate the loan and demanded the full loan balance of {$3600.00}, stating the reason was that the vehicle was out of state at the time of repossession. 

I believe this is an unfair and deceptive practice. The location of the vehicle at the time of repo should not void my contractual right to reinstatement under Georgia law. TitleMax has not provided a written itemized statement or legal justification for denying reinstatement. 

I am requesting CFPB assistance in ensuring : 1. My right to reinstate the loan is honored 2. I receive an itemized breakdown of all charges 3. Any pending auction or sale is paused until this issue is resolved I am stranded out of state and need help resolving this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}

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 2025-07-26 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I made an on-time student loan payment to MOHELA on XX/XX/XXXX  in the amount of {$350.00}, which was confirmed by their own response to my inquiry dated XX/XX/. Despite this, I received a letter on XX/XX/XXXX  stating my account was past due. 

I contacted MOHELA immediately on XX/XX/ when I received a payment due notice, but the issue was not corrected. Their system appears to have failed to properly allocate or apply my payment as a monthly installment. As a result, I was wrongly marked delinquent. 

I am now requesting the CFPBs assistance in : Ensuring this payment is fully credited toward the correct month Having any past due status removed from my account history Preventing any negative credit reporting or collections actions Confirming in writing that my account is in good standing This seems to reflect a broader pattern with MOHELAs servicing problems as described in class action lawsuits involving payment misapplication and mishandling.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-07-26 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: AR

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 XXXXXX/XX/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