vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : [ XX/XX/XXXX ] To : Equifax P.O. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Violation of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Representatives, I am writing to formally dispute inaccurate late payment reporting related to the following account listed on my credit report : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Opened : XX/XX/XXXX Upon reviewing my credit file, I noticed that several months in XXXX are being inaccurately reported as late payments. These derogatory marks are completely false and do not reflect my payment history. My account has been in good standing with no missed payments, and/or was in a paused or deferment status which should not legally be reported as delinquent.

Under the Fair Credit Reporting Act, the following applies : 15 U.S.C. 1681s-2 : Information furnishers ( like XXXX XXXX XXXX must ensure the accuracy and integrity of data provided to the credit reporting agencies. False reporting of missed payments violates this statute.

15 U.S.C. 1681i : Upon receiving a consumer dispute, the credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed data can not be verified, it must be deleted or corrected within 30 days.

Additionally, if my account was in a status such as deferment, hardship, or forbearance during the months reported as delinquent, reporting missed payments would violate CFPB guidance and further demonstrate noncompliance with federal protections.

Months in Dispute ( inaccurately reported as late ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are harming my credit profile and impeding my financial opportunities. If not corrected, I reserve the right to pursue legal recourse for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) of the FCRA.

I request an immediate reinvestigation of this matter and correction of the payment history to show a 100 % on-time record, as is factually accurate. I also request an updated copy of my credit report reflecting these corrections. 

Sincerely, 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 2025-05-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : [ XX/XX/XXXX ] To : Equifax P.O. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Violation of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Representatives, I am writing to formally dispute inaccurate late payment reporting related to the following account listed on my credit report : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Opened : XX/XX/XXXX Upon reviewing my credit file, I noticed that several months in XXXX are being inaccurately reported as late payments. These derogatory marks are completely false and do not reflect my payment history. My account has been in good standing with no missed payments, and/or was in a paused or deferment status which should not legally be reported as delinquent.

Under the Fair Credit Reporting Act, the following applies : 15 U.S.C. 1681s-2 : Information furnishers ( like XXXX XXXX XXXX must ensure the accuracy and integrity of data provided to the credit reporting agencies. False reporting of missed payments violates this statute.

15 U.S.C. 1681i : Upon receiving a consumer dispute, the credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed data can not be verified, it must be deleted or corrected within 30 days.

Additionally, if my account was in a status such as deferment, hardship, or forbearance during the months reported as delinquent, reporting missed payments would violate CFPB guidance and further demonstrate noncompliance with federal protections.

Months in Dispute ( inaccurately reported as late ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are harming my credit profile and impeding my financial opportunities. If not corrected, I reserve the right to pursue legal recourse for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) of the FCRA.

I request an immediate reinvestigation of this matter and correction of the payment history to show a 100 % on-time record, as is factually accurate. I also request an updated copy of my credit report reflecting these corrections. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DLF Law Group, LLC
State: NV

Complaint narrative:
Levy on my banking account for a debts not verified or that I received no information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was never notified by Bank of America that I missed a XXXX  2025 payment. No letter, phone call, or email was sent. I only found out after a credit alert. I immediately paid the {$230.00} balance on XXXX XXXX, 2025. Despite resolving the issue promptly, a late payment was reported and my credit score dropped XXXX points. I contacted the bank and was told there was nothing they could do. Ive also filed disputes with all three major bureaus and XXXX. This was a one-time oversight and Im requesting that the late mark be removed or amended as a goodwill adjustment.

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 monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XXXX  2025, I used a {$1700.00} Affirm Virtual Card to make a purchase at XXXX XXXX. On the same day ( XX/XX/XXXX ), I canceled the transaction because I didnt receive the items I needed. XXXX XXXX initiated a refund but instead of returning the full {$1700.00}, they only refunded {$1600.00}, leaving a {$2.00} discrepancy. Affirm is now billing me for {$31.00}, which includes interest on this {$2.00}. 

Ive contacted both Affirm and XXXX XXXX multiple times : XXXX XXXX managers refused to escalate the issue or correct the refund, despite multiple calls and documentation. 
Affirm acknowledged my dispute but continues to send me emails and texts about delinquency. 
I submitted screenshots showing the transaction was canceled and no goods or services were received. 
Affirm told me to send evidence to customerservice @ affirm.com, but then claimed that email wasnt monitored causing more delays and confusion. 

Despite submitting proof of cancellation and a {$0.00} balance from XXXX XXXX, Affirm continues to : Demand payment on a purchase that never occurred Apply predatory interest on {$2.00} Send frequent threatening messages including phone calls. 
Warn me that negative credit reporting is imminent This is causing significant emotional distress, especially as someone on a fixed income with a XXXX. Im being harassed over an error between two billion-dollar companies, and I refuse to pay for goods I never received.

I am requesting : 1. That the remaining {$31.00} balance be waived 2. That no negative marks be reported to credit bureaus 3. That both Affirm and XXXX XXXX update my records accordingly Im prepared to escalate this through legal and consumer protection channels if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
An account opened in my name fraudulently Ive disputed through all three creditors, and it keeps coming back as verified accurate Ive disputed it so much through all three that they will not let me dispute it anymore. Further, the account is not mine. It belongs to someone else and its affecting my score Ive asked for the original contract binding me, and no one has been able to provide it. I am not responsible for this account. I have XXXX I do not use XXXXXXXX XXXXXXXX .

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 2025-05-18 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
This letter serves as a formal request under the following laws to * * close the accounts listed below, update their balances to {$0.00}, and correct inaccuracies in their payment histories and reporting dates * * on my credit profile : - * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * - * * UCC 9-507, UCC 9-503 , UCC 9-203, and UCC 2-609 * * - * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * * - * * Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 * * - * * Bankruptcy Code, 11 U.S.C. 101 et seq. * * ( if applicable ) # # # * * Account Discrepancies & Required Actions * * 1. * * XXXX Account * * - * * Balance * * : {$0.00} | * * Opened * * : XX/XX/XXXX | * * Closed * * : XX/XX/XXXX - * * Issue * * : Ensure closure is reflected with a {$0.00} balance and remove any erroneous late payments. 

2. * * XXXX * * - * * Balance * * : {$930.00} | * * Opened * * : XX/XX/XXXX | * * Closed * * : XX/XX/XXXX | * * Last Reported * * : XX/XX/XXXX - * * Issue * * : Update to {$0.00} balance, correct closure date, and remove post-closure reporting ( XX/XX/XXXX ). 

3. * * XXXX * * - * * Balance * * : {$420.00} | * * Opened * * : XX/XX/XXXX | * * Closed * * : XX/XX/XXXX | * * Last Reported * * : XX/XX/XXXX - * * Issue * * : Correct closure date and ensure no activity is reported after XX/XX/XXXX. 

4. * * XXXX  XXXX * * - * * Balance * * : {$490.00} | * * Opened * * : XX/XX/XXXX | * * Closed * * : XX/XX/XXXX | * * Last Reported * * : XX/XX/XXXX - * * Issue * * : Update to {$0.00} balance and remove inaccurate post-closure reporting ( XX/XX/XXXX ). 

5. * * XXXX XXXXXXXX XXXX  * * - * * Balance * * : {$980.00} | * * Opened * * : XX/XX/XXXX | * * Closed * * : XX/XX/XXXX | * * Last Reported * * : XX/XX/XXXX - * * Issue * * : Correct closure date and remove invalid post-closure reporting ( XX/XX/XXXX ). 

Legal Basis for Requests * * 1. * * FCRA Compliance ( 15 U.S.C. 1681 ) * * : You are required to investigate and correct inaccuracies within 30 days. Failure to do so may result in liability.

2. * * UCC 9-507 & 9-503 * * : Secured accounts must reflect termination of interest upon closure.

3. * * FDCPA ( 15 U.S.C. 1692g ) * * : If applicable, validate debts and cease reporting inaccuracies.

4. * * UCC 2-609 * * : I demand adequate assurance of performance to confirm account closure.

5. * * GLBA ( 15 U.S.C. 6802 ) * * : Protect my financial data during this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account Jefferson Capital System LLC # : XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Unauthorized Inquiries Request for Deletion Under FCRA Hello, I am writing to formally dispute certain unauthorized inquiries listed on my Experian credit report. I did not authorize these inquiries, nor do I have a business relationship with the companies listed below. Under FCRA 604 ( a ), a consumer reporting agency may only provide a report to a party with a valid permissible purpose. Without such authorization, these inquiries violate my rights under the Fair Credit Reporting Act. 
I am requesting an investigation and removal of the following unauthorized inquiries : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated or approved by me and may negatively impact my credit profile. I request you to : Conduct a thorough investigation of each inquiry listed Remove all unauthorized inquiries Provide written confirmation of the results under FCRA 611 Copy of my credit report with disputed inquiries highlighted Thank you for your prompt assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Request to Match Higher Opening Bonus for XXXX XXXX XXXX XXXX XXXX XXXX Dear Chase Customer Service, I am writing to request a match for the new XXXX XXXX card offer of XXXX bonus miles on my newly applied and recently upgraded XXXX XXXX card. 

In XXXX, I applied for the XXXX XXXX Chase credit card through a flight attendant referral code and was approved for an opening bonus of XXXX miles. Shortly after my approval, this credit card product got " upgraded '' to a new version by Chase Bank and the bank has been promoting it to the public with a debut offer of XXXX miles ( see attachment ). Around the same time, I received notification from Chase bank about my card has been automatically upgraded by the bank to this new version, with a significant increase on the card 's annual fee, raising it from {$95.00} to {$150.00} ( see attachment ). 

After a careful comparison, I realize that my XXXX XXXX card after this involuntary upgrade became exactly the same card as the " XXXX XXXX XXXX '' card that is currently being promoted by Chase bank with a much higher opening bonus of XXXX miles ; and their annual fees are the same as well. It is absolutely not fair for certain customers to receive XXXX fewer miles at the same annual cost for the same credit card product. 

I would greatly appreciate it if you would consider matching your current promotion - an open bonus of XXXX miles, for my card. Such a gesture would ensure my satisfaction and encourage my future enrollment as a Chase Private Client.

Thank you for your understanding and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: IN

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 consciously avoids knowing that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: IN

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 consciously avoids knowing that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have recieved a copy of my credit report and notice there is inaccurate information being reported. I have reached out to TRANSWORLD SYSTEM INC noumourus times requesting proof of. A complete chain of assignment from the original creditor to your company, Proof of ownership or legal right to collect on this debt and All contracts, bills of sale, or transfer agreements proving the assignment of this account to you due to the fact that they are reporting inaccurate information on my credit report. Till this day I have not received any of the documents from TRANSWORLD SYSTEM INC. To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 
You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 
This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Emphasizes the importance of fully investigating disputed accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 
If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 
Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ). 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
I notified the company that I had placed the property on the market for sale. However, the company does not seem to remember me doing so, as evidenced by the certified letter I received from it today threatening foreclosure.

Company response to consumer: Closed with explanation