vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX RE : DEMAND FOR DEBT VALIDATION & REMOVAL OF INACCURATE ACCOUNT Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name/Number : XXXXAccount XXXX XXXXXXXX XXXX XXXX XXXX XXXX To WXXXX XXXX XXXX XXXX, This letter is being sent pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Fair Business Practices Act. 
Upon reviewing my XXXX XXXX, I noticed an account listed by [ XXXX XXXX XXXX ] that I do not recognize and do not recall ever establishing a business relationship with. Therefore, under XXXX XXXX. XXXX ( b ), I am formally requesting full validation of this alleged debt. 
This means I am requesting, not a simple statement or printout, but actual documentation that proves the validity of this debt : * A copy of the original signed contract with my wet ink signature. 
* Proof of ownership : A fully executed Assignment Agreement proving that you were legally assigned this debt. 
* The full chain of custody of the account showing every entity that has owned, sold, or transferred this alleged debt. 
* Your companys license to collect in my state ( include your state ). 
* XXXX of how this account complies with all federal, state, and local lending and collection laws. 

According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to investigate any disputed information within XXXX  days of receipt of this letter. If the requested documents are not provided within that time frame, or if you can not provide proper verification, you must delete this account from all consumer reporting agencies pursuant to XXXX XXXX. XXXX ( c ) and XXXX XXXX. XXXX. 
Also, be advised : XXXX unverifiable or inaccurate accounts to a consumer reporting agency violates the FCRA XXXX. 
Attempting to collect on a debt without providing proper validation violates the FDCPA XXXX. 

Failure to comply with these demands will result in further action, including filing formal complaints with the the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I reserve the right to pursue legal damages under XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-06-05 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 am submitting this complaint on XXXX XXXX XXXX  regarding disputed XXXX  payments that have appeared on my credit record. Upon thorough review of my credit file, I discovered the presence of these XXXX  payment entries that I believe to be inaccurate or improperly reported. Despite sending correspondence to the relevant parties over XXXX  days ago requesting proper validation and documentation of these alleged XXXX payments, I have received no response whatsoever, and they have completely failed to provide satisfactory validation or proof supporting the accuracy of these entries. I am seeking your assistance to resolve this matter through proper investigation and correction of these unverified XXXX  payment entries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX Mortgage, the servicer of my mortgage, on behalf of XXXX XXXX regarding loan account number XXXX I applied for a mortgage modification due to experienced a sudden XXXX XXXX  which impacted my ability to make my mortgage payment. Despite my situation and having submitted all required documents, XXXX Mortgage denied my application. 

XXXX informed me that the investor on my loan does not allow a modification, but I have verified that the investor does permit loan modifications in qualifying cases. This suggests that my financials were either not properly reviewed or inaccurately assessed. 

Specifically : I have submitted all required financial documents multiple times. 

I have not received a clear, detailed explanation as to why I was denied, only vague references to investor guidelines. 

I believe XXXX Mortgage failed to conduct a complete and fair review of my financial information. 

I am willing and able to make a modified payment that reflects my current financial situation. 

I am requesting the CFPB to assist in having XXXX Mortgage : Conduct a thorough and proper review of my modification application; Provide clear documentation supporting the denial and the investors guidelines ; Allow me to escalate or appeal the decision with either XXXX or the investor if applicable. 

My goal is to avoid XXXX and stay in my home. I am seeking a fair review under applicable investor guidelines and mortgage servicing rules. 

Thank you for your attention to this matter.

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 2025-06-05 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these XXXX be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 non-monetary relief
Consumer complaint received 2025-06-05 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My information was shared with a XXXX XXXX  company XXXX XXXX ) which a breach of privacy. XXXX had a lawsuit against because of a breach of privacy. XXXX violated my rights by sharing my information. i want this XXXX XXXX XXXX XXXX XXXX You keep telling me to contact XXXX but my XXXX XXXX is with Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
Two accounts appeared on my credit report that I did not authorize or open. The first is a collection account from XXXX XXXX XXXX for {$1200.00} & {$1300.00}, and the second is a collection account from XXXX XXXX for {$220.00}, which was reported as opened on XXXX/XXXX/2025. I have never done business with either company and did not consent to anyone opening these accounts on my behalf. 

I discovered the accounts while reviewing my credit report and immediately filed disputes with the credit reporting agencies. I also filed an identity theft report with the Federal Trade Commission. Despite these actions, the accounts remain on my credit file, negatively impacting my credit score and my ability to secure credit. 

I am requesting that these accounts be fully investigated and permanently removed from my credit reports. These are fraudulent or erroneous entries, and I am not responsible for the debts.

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 2025-06-05 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 am writing to formally request confirmation that all data associated with this account is solely and entirely linked to me, and that there are no entries, records, or activities connected to any other individual. 

This request is being made out of an abundance of caution to ensure the integrity and security of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Transform Credit Inc.
State: GA

Complaint narrative:
On XX/XX/year> TRANSFORM CREDIT INC completed a hard inquiry on my credit report without my consent. I contacted the company to see why the inquiry was done, however they did not confirm where they received my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX. We are registered Money Transfer/Remitter Agents for XXXX XXXX XXXX . On XX/XX/year> at XXXX XXXX XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX Bank of America XXXXXXXX XXXX XXXXXXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX to deposit the required XXXX XXXXeposit . XXXX  provides a deposit ticket that clearly states their name and account number. On XX/XX/year> we were informed by XXXX  that the monies deposited never reached their account. We immediately went to the Bank of America branch and spoke with the customer service representative who immediately directed us to the Banking representative who made the error Assoc. XXXX XXXX He was unable to correct his error. First, he stated that we must have deposited into our personal account. We DO NOT have a personal or business account at Bank of America. We are required to deposit RIA remitted payments into the RIA business account. We then were told to speak with XXXX XXXX, Vice-President Financial Center Manager, who acknowledged Bank of America had made an error and that within 24 hours the money would be credited to XXXX XXXX account. She provided a letter that indicated an adjustment would be made to reflect the missing {$1200.00}. Upon the completion of the 24 hours, I emailed XXXX XXXX to inform her that XXXX has not been credited the missing monies. Since she has not responded and the monies have not been deposited into the XXXX account I am compelled to file this complaint as it appears that nefarious activity is taking place at this bank branch.

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 2025-06-05 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: TN

Complaint narrative:
On XX/XX/2025, I identified an unauthorized credit inquiry from XXXX XXXX XXXX  on my Experian report. I did not apply for credit with this company or authorize any inquiry. I have never done business with them. I have submitted an official identity theft report through identitytheft.gov ( FTC Report XXXX XXXXXXXX ), which is attached. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX  investigate and permanently remove this inquiry from my report under FCRA 611 and 605B. Attached : Official FTC Identity Theft Report with all required details.

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 2025-06-05 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: GA

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 XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX 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 XXXXXXXX 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 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 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I have had a refinanced student loan with XXXX/Sofi since XX/XX/XXXX ( Loan ID XXXX ). 
On XX/XX/XXXX, I initiated a new Student Loan Refinance ( # XXXX ). I received the confirmation that the money had been funded on XX/XX/XXXX. However, they did not pay the first Student loan refinance, instead, I had 2 concomitant Student Loans and I had to pay for both for 2 months ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). After multiple calls, they finally paid the balance of the first loan on XX/XX/XXXX. Now, they need to pay me back the extra payments. They told me they opened a request for reimbursement on XX/XX/XXXX. I already called 3 times to request that. First, they told me that the amount of {$3100.00} would be reduced from my current balance, and on a second occasion, they informed me that it would be refunded to my bank account. XXXX, I called Sofi again, and I was told that no action had been taken since XX/XX/XXXX, and they did not know why. The assistant opened a new ticket. 
To sum up, this issue has caused me an enormous hassle, mental discomfort, time-consuming and fees with my credit cards that I could not pay the whole balance. It also impacted my credit score. 
In addition, SOFI customer support is awful, they do not have any email, their online chat is not enabled in this situation, so we can't track the conversations we had with them. They are not transparent and acted incorrectly. To be clear, I did not have this issue when I got the first loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I returned a defective laptop to XXXX using their prepaid FedEx label on XX/XX/XXXX. The XXXX tracking never updated, but I received a physical drop-off receipt. Despite this, XXXX repeatedly claimed I never returned the product and refused to investigate further. Later, after escalating to the XXXX XXXX XXXX, they confirmed they did receive the packagebut now say it was received too late to process a refund. XXXX  website also showed Return Received at XXXX point. Affirm closed the dispute in XXXX  favor despite these contradictions. I believe I followed all return instructions and policy, and both XXXX and Affirm have failed to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed a dispute with the Raymour & Flanigan TD credit card against Raymour & Flanigan in the XXXX, NY because the merchant delivered the sofa and damaged it during delivery and installation. I had contacted the merchant directly multiple times via email after calling into the store and asking to speak with a manager by the name of XXXX XXXX. XXXX XXXX asked me to email her pictures of the damage and would contact me back with a time for their repair team to come resolve the issue immediately. Once I emailed XXXX XXXX, she never replied back to me despite following up multiple times and calling the store back again and again. In essence, once Raymour & Flanigan realized that there was an issue with their delivery and the issue was substantiated, they denied any and all responsibility and ghosted me. 

Once I had exhausted all options trying to resolve the issue with the merchant store, I decided to file a dispute with the TD store credit card for Raymour & Flanigan on XX/XX/XXXX. However, without doing any due diligence or requesting any additional information from me, the XXXX Raymour & Flanigan credit card almost immediately denied my claim stating that they have evidence that the merchant delivered the sofa. This is already despite me emailing TD bank at XXXX my correspondences with the XXXX XXXX as well as pictures of the damages. However, the problem was never that they didn't deliver the sofa but that they damaged the sofa upon delivery and installation. As such, I appealed again on XX/XX/XXXX and resent in all my evidence. Again, TD bank never called me or emailed me regarding the case or requested additional information and closed the case in the merchant 's favor once again stating that Raymour & Flanigan had delivered the sofa. They still never addressed my claim that the sofa was damaged upon delivery and installation nor did they give me any further recourse. It is my impression that there is a conflict of interest since this is the store credit card for Raymour & Flanigan and so they did not do any due diligence towards the case and to assist me in getting a satisfactory resolution.

Company response to consumer: Closed with explanation