vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX, I sent a deposit to a dog breeder I met on XXXX for a puppy for XXXX, after the payment sent he sent pictures of a different dog that was not the dog I was shown at first, two different dogs and I requested refund and to cancel moving forward, he has no longer responded and is not answering my calls ; I have been scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I refinanced my car loan with my local credit union. They called and received the payoff amount and where to send the check. The check was mailed on XXXX XX/XX/year>XXXX  and received/signed for on XXXX XX/XX/year> at XXXXXXXX XXXX  by a XXXX XXXX XXXX XXXX # : XXXX, XXXX  tracking # : XXXX. Check had my name and account number on it ). Around XXXX XX/XX/year>XXXX  I received a call from XXXX XXXX saying I was {$210.00} short on my payment. I explained to the individual a check was sent on XXXX XXXX and signed for on XXXX XXXX they said they didn't have any records of it and if I would like to pay the {$210.00}. I said no since the payment was sent and signed for. I then received 2 other calls looking to collect the money. I called my credit union and on XXXX XX/XX/year>, the credit union and I then called XXXX XXXX and spent more than 2 hours trying to get this cleared up. We were transferred back and forth to multiple offices and on 2 occasions, they disconnected us ; no solution yet to the call ( s ). We tried to get to a supervisor, but everyone refused. I asked if they could check with the individual who signed for the check and they said they do not do that. The credit union also asked for someone to sign an accountability form in order to cut another check since it was for $ XXXX and they would not provide us with a name. So.... now I am late ( according to XXXX XXXX XXXX and now my payoff loan from the credit union XXXX in the beginning of XXXX, which gives me to payments for the same car.

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 2025-12-18 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:
Could you take a look at this entry? It may be incorrect.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — FHA 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: Fay Servicing, LLC
State: MS

Complaint narrative:
I have had a Mortgage for 3 plus years with XXXX XXXX and in XXXX of XXXX the mortgage was sold to Fay XXXX. Before I was notified of the sale, we filed for Bankruptcy in XX/XX/XXXX and were XXXX behind and were making our payments to the bankruptcy court for XXXX a month. Then in XX/XX/XXXX the payment changed to XXXX. I notified my bankruptcy lawyer because we barely qualified to file at XXXX a month and asked why this payment was changed. She then told me Fay XXXX had filed a claim when they purchased the loan that we were XXXX in default. There is no possible way we went from XXXX in default to XXXX. She reached out and emailed but still have gotten no response since then, we filed an objection and still no response and my note is still set at XXXX which I can not pay and have stressed that numerous times! We now are behind with bankrfuptcy payments XXXX from the extra XXXX in XXXX and XXXX and now going into XXXX. The mortgage company has not provided any verification information on the " corporate adjustment " charges of XXXX and we now are in risk of losing our home because of this false claim. We filed bankruptcy to save our home and have been making the required payments of XXXX but it is impossible to pay an extra XXXX and I am on XXXX so there is no other avenues other than selling things I have. This is not right to do this to someone. I also googled and researched the company and the hundreds of complaints are exactly what is happening to us now. I am starting with you to help me and need further assistance with another lawyer if you can not get this worked out before we loose our home. My lawyer is XXXX XXXX with XXXX, XXXX, XXXX and XXXX, PC. 
XXXX, XXXX XXXX. Bankruptcy lawyer that has been extrememly helpful and doing everything she can to get an explannation and this taken care of. She also stated that if the trustee tries to dismiss us and this is not worked out, she will turn it around and put us back in. But after reading the reviews it has now scared me to death that this company has already done this to hundreds of people. I have a mailer package that includes all mortgage statements from XXXX to XXXX and today that states the default but none of them say XXXX. Both my lawyer and myself have reached out and the company has not provided a thing. My lawyer stated that she has gotten numerous numbers of contact for individuals when she contacts them but no one returns any calls. The file provided with the claim is only my mortgage information and an amortization schedule, no evidence of the default and the mississippi bankruptcy XXXX trustee has increased this payment and is not changing it back. What can i do now before I lose my home?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Southwest Recovery Services XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance. 

1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in the State of Texas ; 5. Surety bond information.

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am writing to dispute certain items listed on my Equifax credit report, which I believe to be inaccurate or incomplete. The following accounts are under dispute and I request that they be corrected or removed as necessary : Charged Off 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

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 explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer who is attempting to resolve discrepancies in my credit report. Below are the details of the accounts that I dispute, organized by credit bureau. I request your assistance in reviewing these accounts for inaccuracies and taking the appropriate action to correct the records. 

Charged Off Accounts : XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-18 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: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX closed an auto loan XX/XX/year> and told me to continue to pay them directly. I then received a collection notice from a Williams & Fugde collection asking for over XXXX and then offered XXXX. I have disputed this per my credit report with XXXX and they are reporting the balance is paid 100 % nothing owed and Williams & Fugde just reported this to my credit report when I reached to them. Nether company will give me accurate information nor provided me information my loan was Sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

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 non-monetary relief
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

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 2025-12-18 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 as a consumer who is attempting to correct inaccurate and unverifiable information on my Experian credit report. 

After reviewing my report, I identified the following charged-off account and inquiries that I believe are inaccurate or not properly verified : XXXX XXXX  Charged-Off Account in Dispute : XXXX XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) This account reflects a XXXX balance yet continues to report as charged off. I am disputing the accuracy and completeness of the reporting and request verification of the charge-off status, balance, and reporting authority. 

* * Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries and request proof of permissible purpose. 

I am requesting that Experian conduct a full reinvestigation of all disputed items. If the information can not be fully verified as accurate and complete, I request that it be removed in accordance with the Fair Credit Reporting Act.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX  I was contacted by a individual who fraudulently impersonated Navy Federal Credit Union. The individual used convincing tactics and representations that caused me to reasonable believe I was communicating with Navy Federal regarding my account security. 

As a result of this impersonation my account was compromised and multiple transactions occurred on XX/XX/, including XXXX XXXX and XXXX XXXX transfers totaling in {$7600.00}. These transactions were not the result of legitimate authorization, but were induced by fraud while I believed I was following instructions from Navy Federal. 

I reported the incident promptly to Navy Federal once I realized the communication was fraudulent, ad a fraud claim was submitted on my behalf. Despite this, Navy Federal denied my claim, stating that I " authorized and/or participated in the activity, '' without properly classifying the incident as fraud by impersonation or account takeover. 

I am requesting reconsideration and proper review of this matter under Regulation E, including reclassification of the transactions as fraud induced by impersonation rather than voluntary or authorized payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief