vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am writing to formally dispute the status of two accounts previously held with Affirm, which were fully paid off two months ago. Despite payment in full, both accounts continue to be reported as negative on my credit report. 

I received an email from the third-party collection agency affiliated with Affirm ( please see the attached document ) confirming that the accounts were resolved. However, the status on my credit report has not been updated to reflect that the balances have been paid in full. 

I contacted Affirm directly and was informed that they would not be removing the negative marks from my credit report. I find this decision to be unfair and inconsistent with the resolution notice provided by the collection agency. 

Given that I have fulfilled my financial obligations in full and have supporting documentation confirming resolution, I am respectfully requesting that the credit reporting be updated to accurately reflect the paid status of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/XXXX I called freedom mortgage to cancel an online scheduled payment that I had scheduled for XX/XX/XXXX. I made a payment arrangement with the person I talked to and confirmed 3 times with them that the online payment would be canceled. I explained that my husband did not see his raise in his paycheck like he was supposed to and wouldnt have enough in the account to pay the full amount I scheduled to pay and thats when we can came up with the split payment agreement. That next day, XX/XX/XXXX the full amount {$1300.00} came out of my account sending my bank account negative {$360.00}. I could not get ahold of anyone until Monday XX/XX/XXXX. I requested to speak to a supervisor and she is telling me that it would take seven days to resolve the issue however, I told them I said you need to go back and listen to your recording because the gentleman I spoke to confirmed three times with me that the payment that was scheduled would not come out. When I call the phone number of the automated service tells me that only $ XXXXwas taken out, however that is not the case. I told them that I did not agree to pay the full price. I confirmed to have the payment split up between two paychecks, and I told them that they need to return the money that they werent supposed to receive. And she made a claim that because we were behind that they did not have to return that money. I did not consent to them taking the full amount out and they have that on recording as well. I only consent it to $ XXXXbeing taken out at that time. And now I am getting the runaround on when I will have any money given back to me to resolve this issue. I would also like to add that there was a time that we could not pay our mortgage and we were behind and they gave us offers to bring the account From being delinquent. However, the offers that they gave us were not reasonable. When we purchased the home in XXXX we were only paying {$950.00} a month now we are currently paying {$1300.00} a month Which is unreasonable since weve been in the home almost 10 years. They raise our interest rate to seven point something. We are on the brink of bankruptcy and I believe that Freedom Mortgage is trying to push families out of homes so that they can get another family in and pay More a month to them or another lender.

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 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unlawful credit reporting practices by XXXX XXXX in relation to the above-referenced account. This account is currently being reported as charged-off and past due, which I strongly dispute as inaccurate, unverifiable, incomplete, and in violation of multiple federal consumer protection laws. 

Despite submitting prior disputes to the credit reporting agencies and requesting verification under federal law, no documentation or lawful validation has been provided by XXXX XXXX to support the continued reporting of this derogatory information. 

Violations Cited FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate and Verify I requested that the bureaus and XXXX XXXX verify the accuracy and completeness of this account. No verifiable documentation or original signed contract was provided. If the information can not be verified, it must be deleted from my credit report. 

FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) Furnisher Duties After Dispute Upon receipt of my dispute, XXXX XXXX was obligated to conduct a reasonable investigation and report the results to the credit bureaus. Failure to verify this data with proper records constitutes a willful or negligent violation of this statute. 

FCRA 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) Obsolete Information If the date of first delinquency on this account occurred over 7 years ago ( and it appears it may have, or is approaching that threshold ), it must be removed immediately from my credit file. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) Lack of Validation If XXXX XXXX has involved any third-party collector, they are required to provide full debt validation upon request before any further reporting. This has not been done. 

Fair Credit Billing Act ( FCBA ) This act requires creditors to properly investigate and resolve billing disputes. Failure to do so and continuing to report disputed charges violates my rights under the FCBA. 

Violation of XXXX XXXX Reporting Guidelines The manner in which this account is being reported appears to violate XXXX XXXX standards, which are required for accurate and complete data furnishing. The payment history, charge-off status, and account closure remarks are inconsistent and misleading.

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 2025-08-06 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: WI

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are being inaccurately reflected on my credit report. In line with USC 1681g, I am requesting that these entries be removed within 15 days. Enclosed are the appropriate documents for your examination. It is also important to note that the reported details differ between bureaus and are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank was notified that a flagged transaction was not fraud and to please pay the company or at least keep the money they were paid with them. I called and spoke to someone on XXXX  at approximately XXXX who assured me that the issue was resolved, nothing would be processed per my verbal request via phone. I unfortunately trusted that was the truth and went about my day. Seven hours later, I received an email from XXXX and Chase stating that Chase did EXACTLY the opposite of what I asked and STILL processed the stop payment on my account causing XXXX to lock everything up. I have contacted both companies, proven my identity to XXXX and have asked for escalation through their process as this was not their fault, but not mine either. I have also been on the phone with customer service, the " corporate '' number and a total of 9 agents and supervisors. Everyone stating that " by policy '' they can't stop the train from continuing on with their process because it takes 45 days to get through it ( they are busy ). I have advised that I am sick of being blindly transferred around to various levels of management, escalation and departments and would like to speak with someone in corporate to only be told, " I don't have access to corporate, you just have to wait. it's policy. '' I advised that someone VIOLATED POLICY the day before and Chase wants to shirk their responsibility when THEY are the ones who messed up and did EXACTLY the opposite of what I requested. So, pressing one button to mess it up is all it takes on their side, yet it takes 2 days for a Supervisor to contact me back, no one can find or access anyone in corporate, everyone claims that it's not their job, and I am still in the middle awaiting resolution for up to 45 DAYS??? Unacceptable. Please reach out for additional details, but Chase needs to be investigated for bad financial business practices. And I have been a customer for 25+ years. This is not the first, but definitely is the worst game of " not my job '' and " not my problem '' I have experienced yet. I pray consequences are issued so that this is a learning experience for all parties involved. It is clear that NO ONE at Chase cares about their customers unless they are happy and easily satisfied by front-line staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/scrub>XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-08-06 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:
Equifax did not conduct a proper reinvestigation of my dispute as required under the FCRA. Their response was frivolous and dismissive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
They sent numerous mail saying I owed XXXXXXXX XXXX  almost XXXX dollars. I paid almost XXXX and put on a payment plan of XXXX a month. I called back the toll company and they said they have no association and to report. I called the collections company and they will put me on hold with a supervisor and then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XXXX XXXX XXXX  I notice that I was a victim Identity theft. I filed a identity theft report. The original creditor found that I Was Not liable for the debt and erase the debt from ALL OF my credit reports. Some how this collection agency is trying to collect on a debt that is a result of identity theft. I ask this company numerous of times for a PURCHASE AGREEMENT to validate this debt they claim I owe! This company refused to provide me with a PURCHASE AGREEMENT because it is IMPOSSIBLE for this company to provide me with on because I am a victim of identity theft and this debt is not valid. This collection agency has acted in bad faith. I sent this collection agency one last dispute letter asking them once again for the PURCHASE AGREEMENT so they can validate this debt! However this is impossible because this debt is a result of identity theft as stated on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: AZ

Complaint narrative:
This company is an alleged debt collector, trying to collect a collection, I sent them a letter that they received and I have evidence that they received it on XX/XX/year>XXXX XXXX XXXX XXXX  requesting validation of the debt and in the letter I requested that communication should be exclusively in writing by postal mail, even so they continue to violate my rights and continue to call repeatedly up to 2 times a day ( from the following phones XXXX, XXXX, XXXX, ) I have reiterated to them that please do not call me anymore that they must send the documentation to validate this debt and that all communication must be by postal mail. Even so, this company continues to fail to comply. At the moment I am writing this complaint, they called me again from the number XXXX and when I explained that they were violating my rights and the request I made in the letter, they responded that I THOUGHT I KNEW EVERYTHING. I understand that this collection practice is abusive and unprofessional. Therefore, I request that this company be investigated for abusive collection practices. I attach documents that support the complaint. Thank you. 
I want to add that they have not complied with sending the debt validation documentation, sending a collection letter, I attach the two letters with different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
My mane is XXXX XXXX XXXX on XXXX XX/XX/XXXX I paid my credit card online around XXXX XXXX and I couldnt hit XX/XX/XXXX so I called the number on the back of my card. I asked why I couldnt pay date XX/XX/XXXX and o service said cut off to pay is XXXX XXXX. I asked if he could take the payment his response was XXXX XXXX would be XXXX XX/XX/XXXX so asked me to go inline pay the minimum and requested a waiver, but before he also said I need to wait till the payment posted. I was hit with {$25.00} late fee but the laws says any payment made on the due date should be honored by the date we make the payment. I called again and asked but the customer service was kind of rude and firm on the late fee ignoring my request. She also said doesnt matter it says XX/XX/XXXX. I mentioned to her we were on a recording call. It is to my knowledge that anyone paying n time by law if it is before midnight still the day of the due date. I want the credit of {$25.00} back to my card bc I didnt pay on XX/XX/XXXX but was XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation