vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-26 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: FL

Complaint narrative:
XXXX 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 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 2025-06-26 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$220.00} collection account on all three of my credit reports ( TransUnion, Experian, and Equifax ). I do not recall authorizing or acknowledging this debt, and despite multiple disputes, they continue to report this information without providing a shred of supporting documentation. 

On XX/XX/year>, I sent formal disputes under FCRA 609, requesting that they or the credit bureaus send me the following : A copy of the original contract or agreement with the original creditor A full accounting of how this balance was calculated Documentation proving XXXX XXXX actually owns the debt and is legally permitted to report it Proof that fraud alert procedures were followed as I have an extended alert on file As of today, Ive received nothing. Instead, XXXX XXXX XXXX continues to report this account as valid and verified which is misleading, inaccurate, and harmful. 

Their actions appear to be based on recycled or purchased debt they can not verify. They have never contacted me directly, yet they report a debt I cant trace back to any original creditor with certainty. I believe this is a violation of multiple provisions of the Fair Credit Reporting Act.

Impact This Has Caused Me : This account has contributed to a lower credit score, blocking me from qualifying for important financial opportunities. 
Ive experienced mental and emotional stress, along with wasted time chasing answers. 
The lack of verification leaves me with no way to defend myself against this claim.

Requested Outcome : Im asking that XXXX XXXX XXXX account be immediately deleted from TransUnion, Experian, and Equifax for the following reasons : Failure to verify the debt under FCRA 609 Failure to delete the account under FCRA 611 once no verification was provided Ignoring my fraud alert protections under FCRA 605A Attached is my dispute letter dated XX/XX/year>, along with my ID and address verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used my Chase credit card to purchase a hot air balloon ride from XXXX XXXX XXXX  for XX/XX/year>. I booked it less than XXXX hours before the tour. Unfortunately, I missed the trip and immediately contacted the company within a few hours to explain and request assistance. 

At that time, they told me I could not receive a refund, and they did not offer me any alternatives such as a certificate or rescheduling. Because I believed I had no other option, I filed a dispute through Chase. 

Later, I learned that the dispute was reversed and the funds were returned to the merchant. I then called the company again and was told that they would have issued a certificate, but now will not do so because I filed a claim. I believe this is unfair and retaliatory. 

In addition, the companys policy requires cancellation XXXX hours in advance, but my purchase was made less than XXXX hours before the scheduled tour, so it was not possible to comply with their rule. 

I am requesting a refund or a travel certificate for the {$410.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$29.00} XXXXXXXX XXXX XXXX XXXX  -- {$130.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$190.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX, the original creditor sent a final statement to my email address saying that I had a balance of XXXX. I was finally able to get a debt verification letter sent to me by the third-party collection agency, with the final balance statement attached. The numbers for each line statement have been increased with no explanation. The original statement sent by the creditor in XX/XX/XXXX states the balance owed on XX/XX/XXXX was {$3600.00}. Now, the statement sent afterwards by the third-party collection agency says on the same billing line that on XX/XX/XXXX, the balance was {$4100.00}. If, back in XX/XX/XXXX, it was stated a different amount and now the amount has increased, I would like to know what and how they didn't provide that information. The billing statement also had a Utility charge of XXXX with no explanation on how they got that number. They didn't provide a bill or breakdown on that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding Affirm accounts that are being reported on my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). I have repeatedly requested debt validation from Affirm in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), beginning in XX/XX/year> and continuing through XXXX and XX/XX/year>. 
Despite multiple written requests, Affirm has failed to provide any documentation validating the debts or the accuracy of the late payments being reported. Their only response has been to claim that the account is validated and remains unchanged, without furnishing any actual proof or documentation as required by law. 
Under the FCRA, information furnished to the credit bureaus must be accurate and verifiable. Affirm has not complied with these legal obligations, and I am now requesting the CFPB 's assistance in having these accounts and associated late payments removed from all three credit bureaus immediately due to their failure to validate the debt after multiple requests. 
AFFIRM ACCT # XXXX DATE XXXX AFFIRM ACCT # XXXX DATE XXXX AFFIRM ACCT # XXXX DATE XXXX AFFIRM ACCT # XXXX DATE XXXX Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
To Whom It May Concern, Subject : Request for Removal of Unauthorized Hard Inquiries I am writing to formally request the removal of the following unauthorized or unverified hard inquiries from my credit report. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries must only appear on a consumers credit file if a permissible purpose exists and proper authorization was granted. 

The following inquiries appear on my credit report without my knowledge or consent : 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 XXXXXX/XX/XXXX As required by the FCRA, please investigate and provide proof of my authorization for each of the inquiries listed above. If you are unable to verify that I authorized them, they must be removed immediately from my credit file. 

Please complete this investigation within the 30 days provided under the FCRA and send me written confirmation of your findings and any removals made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I noticed there were XXXX payments ( {$190.00} and {$190.00} ) for Good Leap on my XXXX XXXX bank account. This time I made a payment using XXXX XXXX, although I have made a couple of payments on Good Leap website before to ensure my payments weren't late. This time, I noticed the extra payment and immediately called my bank to report this. The XXXX XXXX bank representative told me it looks like I made the payment with an agent. I told her I did not speak to anyone from Good Leap to make a payment. She put a stop payment on this account GoodleapXXXXXXXX XXXX Payment. 

Good Leap always sends me text message reminders and, I respond via I sent a payment via XXXX XXXX bill pay. This time Good Leap texted me on XX/XX/XXXX when the payment was due to arrive and I knew my payment was supposed to arrive that day. They sent me a reminder text on XX/XX/XXXX. Then on XX/XX/XXXX, I recieved a text to reply with property zipcode. I didn't bother reading the rest of the text. I just sent my zipcode. I figured it was another reminder and the redundancy of getting texts can be quite a pain in the XXXX. I thought it was to confirm the payment I sent via bill pay. I think they stored my bank account information and I didn't realize it. I did not permit them to use my bank account information. I did not enroll in autopay. They used deceptive business practices to get access to my bank account and processed an unauthorized payment. The representative insisted that I authorized this payment. I told him I did not. This went on for a few minutes. I told him to send me proof that it was me. Then he said I authorized the payment via text. I was so angry. I told him I didn't. He told me they sent me a text requesting payment and I authorized it by typing my zipcode. I told him I didn't read the text. I thought it was for my payment i made via XXXX XXXX. He told me I should have read the entire text before texting my zip code. I explained to him that sending my zip code does not authorize them to use my bank account information stored in their system to process payments unless I authorize it. Then he told me he would send my money back in XXXX business days. That's unacceptable. This company took an unauthorized payment from my account in a few minutes and I have to wait XXXX business days to get it back. No way. This is ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3900.00} 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$16000.00} 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, Balance : {$12000.00}

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We closed on a refinance in XXXX. School real estate tax bill information was provided to the mortgage company, Select Portfolio Services, at closing. Escrow account was sufficiently funded to pay this tax bill along with other tax bills and insurance. SPS neglected to pay the {$19000.00} school tax bill by the due date of XX/XX/XXXX. Upon being notified by the XXXX XXXX XXXX XXXX in early XXXX that the tax bill was not paid, I notified SPS via phone that the bill was not paid and that they should pay it immediately. They acknowledged this and we assumed it was taken care of. We were then notified by the township that the bill still wasn't paid and if not paid by XX/XX/XXXX, it would be sent to collections. Once again, SPS was notified and a request was made to pay the taxes with the escrow account. They still did not pay the taxes and the amount due was sent to collections. At this point, the original tax bill of {$19000.00} had increased through fees and penalties to {$23000.00}. Once again, SPS was notified across multiple phone calls and emails to pay the taxes and reimburse us for the fees and penalties, which they acknowledged verbally on several occasions were a result of their mistake. After months and months of calls and emails, I was forced to pay the entire bill out of my own pocket in order to avoid further detrimental affect on my own financial situation. Presumably I will be reimbursed for the excess in my escrow account for the year, but SPS needs to reimburse me for the fees and penalties totaling {$3500.00}. We only incurred those fees because of their negligence. They have admitted as such, but refuse to follow through in processing the reimbursement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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