vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
In regard to the CFPS XXXX and Equifax lawsuit, I was negatively impacted after receiving a response from the credit agency indicating that the disputed account ( s ) were " verified. '' Unfortunately, the agency failed to provide detail information of the results and/or decision of their investigation ; which is in violation of the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: OK

Complaint narrative:
This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I checked my credit report as I normally do, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I submitted so that I no longer have to worry about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a mortgage with PHH Mortgage my loan number is XXXX when XXXX  was active i had make a forbearance for quite a few months in total i owe for that XXXX in the last approx. 10 months i didn't have a tenant there and i didn't pay I've also lost my job, now i asked them top reinstate the loan as i have an outstanding balance of XXXX besides the XXXX  forbearance as of today my maturity date is XXXX/XXXX/2047 so they offered me a modification, where i believe they re-amortize the loan and and my new payment monthly will be XXXX instead of XXXX which is only around XXXX less than my original payment, the problem is that my new maturity date is going to be in XXXX  years which means they are adding XXXX years to my loan which totals out in more than XXXX to my loan, I called them up and asked them for a payment plan for the XXXX and they told me i need to pay almost everything in a XXXX XXXX, which I can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I am formally appealing your decision regarding my dispute with XXXX concerning package order XXXX XXXX, associated with Affirm Loan ID : XXXX. The package, which was supposed to be delivered to my correct addressXXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXXwas never received. 

XXXX has confirmed the correct shipping address, but XXXX failed to deliver the package to the correct unit, as verified by their claim investigation ( XXXX XXXX XXXX ), which has been uploaded for reference. While the tracking number XXXX indicates delivery via XXXX, the proof of delivery consists of a photo showing the package at an incorrect apartment unit, lacking a signature, and failing to clearly identify the delivered product. The image further suggests that someone else intercepted the package, reinforcing that the delivery was misdirected. 

I respectfully disagree with Affirms previous decision supporting Walmarts assertion that I received the package. The following key facts demonstrate that the order was not delivered to me : XXXX has officially acknowledged their mistake, initiated a claim, and apologized for the misdeliveryXXXX was unable to retrieve the package. 

XXXX advised that XXXX must file a claim directly due to their corporate policy. 
XXXX attempted to file a claim with FedEx, but it was denied because only Walmarts corporate office can submit such claims. 

XXXX then directed me to dispute the charge with my financial institution. 
Since XXXX designated shipping providerhas confirmed that the package was misdelivered, Walmarts claim that I received the order is invalid. As per CFPB regulations, my financial institution is required to conduct a proper investigation and can not solely rely on the merchants response without verifying all available evidence. 

Given the clear proof of misdelivery, I request a full review of my dispute and the reversal of this transaction. I have uploaded the receipt for the purchase and formally request a full refund of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-19 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: DE

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-19 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX  v. Carrington Mortgage Services, XXXX  v. CSC Credit Services, and XXXX v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief
Consumer complaint received 2025-03-20 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:
XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because of a recent unauthorized credit card inquiry that hit my Experian account. This has dropped my credit score and i have contacted Experian and they refuse to investigate. The representatives refuse to cooperate. I need help as this is depressing. I have listed the inquiry here. Please help me get this removed as i am working on rebuilding my credit profile. 

XXXX 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 2025-03-19 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: GA

Complaint narrative:
The mistakes on my report are causing unnecessary challenges and unfairly lowering my scores. Its frustrating to be blocked from opportunities because of errors I had nothing to do with.

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 2025-03-19 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:
Urgent Complaint Regarding Incorrect Late Payment Reporting by Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for inaccurately reporting a late payment on my credit report on my XXXX XXXX XXXX This payment was NEVER late, and the information reported is 100 % incorrect. Despite my attempts to resolve this directly with Experian, they have refused to update my credit report accurately. I am requesting your immediate assistance in addressing this issue. 

Complaint Details : Account Information : XXXX XXXX  XXXX  Date of Dispute:XXXX/2025 Incorrect Late Payment : There is a reported late payment on my credit report for an account where I was NEVER late. I have always made timely payments and have provided Experian with clear evidence to prove this, such as [ list of supporting documentation you provided, like bank statements or letters from creditors ]. 
- Experian 's Response : Despite submitting this evidence and clearly demonstrating that I was not late on this account, Experian has refused to correct the error. They have failed to acknowledge their mistake or rectify the situation, which has resulted in inaccurate and damaging information being reported on my credit file. 

Impact : This erroneous late payment entry is significantly harming my credit score and causing undue hardship in my ability to obtain credit. The information being reported is completely false, and I am being penalized for an error that was never my fault. 

Resolution Requested : I respectfully request that the CFPB investigate this matter and ensure that Experian immediately corrects this erroneous late payment on my credit report. The entry should be removed, as it is 100 % inaccurate and does not reflect my true payment history. Additionally, I would appreciate confirmation that my credit report is updated to reflect the accurate information. 

Thank you for your attention to this urgent matter. Please let me know if any additional documentation is required to assist in resolving this dispute

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for an auto loan with Navy Federal Credit Union XX/XX/XXXX XXXX XXXX. I was not automatically denied ; it was sent for further review. The loan XXXX denied my loan due to an old account back in XXXX where I was a joint owner. I filed XXXX  XXXX bankruptcy and listed Navy Federal Credit Union as a creditor. They submitted the claim on the account and were repaid in the bankruptcy through the TRUSTEE. Once my bankruptcy was XXXX, Navy Federal was notified that I was cleared and XXXX. There was a co-owner on the account that they are still holding liable. They have that person listed as a loss, but still have my name attached to that account as a LOSS also blocking me from taking advantage of any of their products and services. In the notes, they claim they wrote back in XXXX that I am no longer responsible legally, but they still have my name attached to the account as a loss and not bankruptcy discharge. I was told by NAVY FEDERAL CREDIT UNION BANKRUPTSY supervisor XXXX XXXX on XX/XX/XXXX that the only way I can get it removed is to pay the difference that my bankruptcy did not pay to clear the flag off the account. I asked her isn't that illegal? I gave already taken care of this account through my BANKRUPTSY and you all accepted payment. XXXX XXXX then proceeded to tell me it was not enough the trustee did not pay 100 % of the account only a portion because it was un-secured debt. I asked her well why did you all not let the court know that it was not enough? She had no answer. I said so I can never take advantage of the benefits with NAVY FEDERAL unless I pay more money to you even though I added you as a creditor on my now XXXX bankruptcy. I will be endlessly denied credit with you all to illegally siphon money from me regardless of the bankruptcy filing and completion. With the excuse that it is too late to remove my name from the LOSS JOINT ACCOUNT where it is FLAGGED. She said if you pay the rest, it will be removed. They are offering me an appeal, however they want me to do a NEW application and have another HARD PULL on my credit and it has not even been 30 days. I believe they want to list another reason to deny me being the reason I was originally denied is an error, because the NOTES say I am not Responsible any longer for the account, however when you pull up my NAME in their system it shows a LOSS FLAGGED account which is AUTOMATICALLY triggering the DENIAL of their in house PRODUCTS and SERVICES. Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief