vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report by XXXX XXXX, account number. This account is inaccurate, unverifiable, and its inclusion violates the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). This account is also falsely representing themselves as the original creditor which violates consumer protection laws Specifically, my reasons for disputing this account are as follows : 1. Lack of Debt Validation : I have previously requested documentation from XXXX XXXX to validate this alleged debt. To date, they have failed to provide sufficient documentation to prove the debt 's validity and age. This includes a complete chain of purchase history and documentation with my signature and their name as listed as the original creditor showing I went to any contractual agreement with them for this debt. 


Statute of Limitations Violation : I believe this debt is beyond the statute of limitations for collection in my state. Pursuing collection on a time-barred debt is a violation of consumer protection laws.

4. Failure to Thoroughly Investigate : I previously filed a dispute with TransUnion, Equifax, Experian regarding this account. However, the investigation was inadequate, and the inaccurate listing remains on my credit report, causing significant damage to my credit score.

I demand that TransUnion, Equifax, Experian conduct a thorough reinvestigation of this account. I request that you immediately : * Cease and desist all reporting of this account.

* Delete this inaccurate and unverifiable collection account from my credit report Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report by XXXX XXXX, account number. This account is inaccurate, unverifiable, and its inclusion violates the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). This account is also falsely representing themselves as the original creditor which violates consumer protection laws Specifically, my reasons for disputing this account are as follows : 1. Lack of Debt Validation : I have previously requested documentation from XXXX XXXX to validate this alleged debt. To date, they have failed to provide sufficient documentation to prove the debt 's validity and age. This includes a complete chain of purchase history and documentation with my signature and their name as listed as the original creditor showing I went to any contractual agreement with them for this debt. 


Statute of Limitations Violation : I believe this debt is beyond the statute of limitations for collection in my state. Pursuing collection on a time-barred debt is a violation of consumer protection laws.

4. Failure to Thoroughly Investigate : I previously filed a dispute with TransUnion, Equifax, Experian regarding this account. However, the investigation was inadequate, and the inaccurate listing remains on my credit report, causing significant damage to my credit score.

I demand that TransUnion, Equifax, Experian conduct a thorough reinvestigation of this account. I request that you immediately : * Cease and desist all reporting of this account.

* Delete this inaccurate and unverifiable collection account from my credit report Immediately

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Movement Mortgage LLC
State: KS

Complaint narrative:
I enrolled in Movement Mortgages bi-weekly draft program in early XXXX. Movement confirmed the recurring debits and my additional principal instructions in writing ( Monthly Payment {$1700.00} + Additional Principal {$1200.00} ; Total {$3000.00} ; effective XX/XX/XXXX ) Brown-Actual Payment History Beginning in XXXX, Movement repeatedly reversed and re-applied payments, stating it was accommodating my requested application method. Their own transaction histories show numerous misapplication reversals and reapplications in XXXX XXXX Movement emailed me a Manual Calculation of Borrower Requested Application and admitted its system can not apply payments the way I requested, offered a {$240.00} good-faith credit ( interest difference ), and said even under my requested method the loan would not be paid off until late Jan/early XX/XX/XXXX In XX/XX/XXXX, Movement sent a formal response to my attorney stating : My preferred bi-weekly schedule was never agreed to beyond the standard bi-weekly program ; The many reversals were a courtesy to help me reach a pre- retirement payoff goal ; There is no official recalculation because no recast occurred ; The lien release is on hold because Movement says I placed a stop payment on my XX/XX/XXXX final payment, leaving {$620.00} unpaid, and that my escrow was applied toward payoff, leaving no escrow refund due. 
Movement Mortgages own attorneys have admitted in writing that ( 1 ) no biweekly schedule agreement exists beyond their standard program, ( 2 ) the numerous payment reversals and reapplications on my account were done only as a courtesy to me, and ( 3 ) there is no official recalculation available despite my repeated written requests. These admissions confirm that Movements servicing system and communications caused confusion, failed to deliver promised payoff expectations, and left me without a clear accounting.

Movements changing application of payments and repeated reversals created confusion and made it difficult to verify amortization, interest, and payoff timing ( their own ledgers document multiple reversals/misapplication corrections ). 
Despite acknowledging system limitations and offering a token credit, Movement has not provided a clear, verifiable loan-level accounting reconciling ( a ) every reversal, ( b ) every re- application, and ( c ) how these actions affected the payoff date, interest paid, and escrow balances I dispute Movements position on my final payoff/lien release and request an independent review of the payoff accounting and the handling of escrow at payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have been incarcerated since XXXX and my card and account was fraudulently used and my funds were taken from my account. Ive provided documentation showing and verifying that I was in fact incarcerated at the time and there was no way possible for me to access my accounts. All transactions from XX/XX/XXXX up until to date XX/XX/XXXX were all unauthorized and fraudulently committed. As well as the multiple disputes and I would like this resolved correctly and in my favor as it should be please. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Absolute Resolutions is reporting inaccurate and unlawfully modified information on my credit report. This company is illegally re-aging a previously removed XXXX XXXX XXXX XXXX account by reporting a false and fabricated Date Opened of XX/XX/XXXX. 



The original Date of First Delinquency for this account was in XXXX, which means this account should have aged off my credit reports in XXXX under FCRA 605 ( a ) ( 7-year reporting limit ). Absolute Resolutions is now attempting to restart the reporting period by creating a new and false open date, which is a direct violation of : FCRA 623 ( a ) ( 5 ) Failure to report the correct Date of First Delinquency FCRA 605 ( a ) Reporting beyond the 7-year limit FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status of a debt This inaccurate reporting is causing harm to my credit, preventing me from obtaining housing and financial opportunities. I am requesting that CFPB require Absolute Resolutions to provide documentation supporting their reporting or immediately delete this illegally re-aged account from all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Transworld Systems Inc. contacted me about an alleged debt of {$1900.00} on XX/XX/XXXX. I responded disputing this debt on XX/XX/XXXX, providing evidence as well as asking for them to only contact via mail, barring email, phone, and text messages. They have chosen to contact me through text since then despite me receiving no mail providing any proof that the debt has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MOHELA
State: TX

Complaint narrative:
I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute : MOHELA/DOFED XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

# # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: MS

Complaint narrative:
I took out a loan for XXXX. The company has closed and the services I paid for are no longer available. I need this loan refunded or removed. There is an FTC action involving Devslopes and financing companies. The provider closed. Under the FTC Holder Rule, this dispute is the lenders responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Issue : Unauthorized use of XXXX by a business / services not rendered as agreed / refusal of refund. 

What happened : I sent a XXXX deposit to a lash technician for a beauty appointment. The merchant sent me an incorrect address, which caused significant delay and confusion. When I arrived, the service was not performed as described and did not match what I agreed to. I immediately expressed dissatisfaction and requested a refund of the deposit. 

The merchant refused to refund the deposit, despite the fact that the service did not match what was advertised and the appointment details were misrepresented. The merchant is using XXXX for business transactions, which is a violation of XXXX consumer-to-consumer usage terms. 

What I tried : I contacted Chase to dispute the XXXX payment as a case of merchant misrepresentation and services not rendered as agreed. Chase told me they can not help simply because it was sent via XXXX, and they refused to investigate. They did not offer escalation, did not file a fraud/misrepresentation claim, and ignored the fact that this is a business abuse of the XXXX platform XXXX 

Why Im filing : I am requesting that Chase properly investigate this as a merchant dispute and misrepresentation case. The merchant used XXXX improperly for business, refused to refund a deposit after failing to provide the agreed-upon service, and Chase refused XXXX open a claim or provide any recourse. 

I am asking the CFPB to review Chases handling of the dispute and require them to investigate the transaction appropriately. 

Resolution I want : Chase to investigate the XXXX payment as a merchant misrepresentation dispute Review of merchants misuse of XXXX Refund of the deposit Correction of Chases refusal to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I have been using XXXX XXXX as my merchant service provider for the past XXXX years. Recently, XXXX of my clients paid for services through XXXX merchant platform under my XXXX  ID XXXX XXXX XXXX XXXX XXXX. The payment was successfully deposited into my account, and I began performing the contracted work. 

A few days later, XXXX abruptly closed my merchant account without providing any explanation. On todays date, XXXX began repeatedly withdrawing funds from my business account at XXXX Bank. A total of {$2900.00} was withdrawn XXXX times, without authorization and without any valid reason. 

When I contacted XXXX, I spoke with XXXX XXXX, XXXX XXXX in the XXXX XXXX department. He refused to provide any explanation and stated that the funds would not be returned to me or to my client. 

I am in direct communication with my client, who is fully satisfied with the completed work and has no disputes or complaints. The client did not request a refund or chargeback. Despite this, XXXX froze my account and withdrew funds multiple times for their own benefit, without justification or notice. 

I believe these actions are unfair, unreasonable, and potentially unlawful. I am requesting the CFPBs assistance in investigating this matter and ensuring that XXXX returns the funds that rightfully belong to my business, as well as preventing further unauthorized withdrawals. 

Thank you for your attention and support

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 2025-12-08 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:
I am submitting this complaint because my credit file continues to report unauthorized and inaccurate information that I did not open, authorize, or consent to, and that I timely disputed. 
I previously disputed these tradelines and requested that they be corrected or deleted. 
XXXX - XXXX  - opened on XX/XX/year> - balance XXXX However, the company continues reporting the same information without a clear, evidence-based explanation of the reinvestigation outcome, suggesting potential FCRA noncompliance XXXX 15 U.S.C. 1681e ( b ) and 1681i ).

If the company claims the information was verified, I request the specific method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), including the exact sources consulted, the furnisher used and data obtained, the date and manner of verification, and the factual basis for continuing to report the tradelines as accurate. I am requesting CFPB assistance and prompt correction/deletion of any information that can not be properly substantiated, with written confirmation of the results.

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