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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., Miller v. Equifax $ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXXXXXX XXXX XXXX

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: TX

Complaint narrative:
: Request for Deletion of XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the reporting of an account listed under XXXX XXXX XXXX with an alleged balance of {$240.00}. This account is reported as a collection and is negatively impacting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 1681i and 1681s-2, I am exercising my right to dispute any information that is inaccurate, incomplete, or unverifiable. XXXX XXXX XXXX has not provided any documentation verifying the validity of this account, nor has it demonstrated that this debt is collectible or accurate. 

Furthermore, continued monthly reporting without proof of payment activity may constitute an attempt to re-age the debt, which is prohibited.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
These accounts are reporting late and shouldn't be. Pursuant to 15 USC 1666b this a billing error, these accounts were always paid as agreed and on time. These accounts are in violation. 

XXXX XXXX XXXX, 5 late payments reporting XXXX XXXX XXXX XXXX 6 late payments reporting XXXX XXXX XXXX XXXXXXXX XXXX 2 late payments reporting XXXX XXXX  1 late payment reporting XXXX XXXX XXXX XXXX, 2 late payments reporting

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These accounts are reporting late and shouldn't be. Pursuant to 15 USC 1666b this a billing error, these accounts were always paid as agreed and on time. These accounts are in violation. 

XXXX XXXX XXXX, 5 late payments reporting XXXX XXXX XXXX XXXX 6 late payments reporting XXXX XXXX XXXX XXXXXXXX XXXX 2 late payments reporting XXXX XXXX  1 late payment reporting XXXX XXXX XXXX XXXX, 2 late payments reporting

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
IM REQUESTING FOR THE CURRENT BALANCE OWED AND THE XXXX DELINQUENT DATE

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Remove hard inquiries I did not apply for these accounts. Remove immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove these hard inquiries I did not open immediately thank you Equifax

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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Upon reviewing my credit reports from the nationwide credit reporting agencies, I identified entries that appear to be the result of either identity theft, unauthorized inquiries, or outdated negative information that should no longer be reported. 

Violations Cited : 1. 15 U.S.C. 1681c1 ( Fraud Alerts and Identity Theft Protections ) : I have reason to believe that some of the accounts or inquiries on my credit report may be the result of identity theft. I requested a fraud alert be placed on my credit file, yet the alert either was not placed properly, or the credit bureaus failed to follow proper procedures to verify future credit activity. This negligence has allowed further unauthorized access to my credit profile.

2. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : My credit report reflects inquiries and/or account openings that I did not authorize. According to this statute, a consumer report may only be accessed for specific, permissible purposes. I did not provide written authorization for several of the hard inquiries listed, indicating a clear violation of this provision. 

XXXX XXXX XXXX account number XXXX * * * * has been reporting inaccurate information on my credit report since XX/XX/year> violating statue stated above.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
While incarcerated for a few years my information was used fraudulently and Ive provided court documents to prove Im not responsible however debt collectors want stop contacting me and my credit report has these delinquent accounts stopping me from moving forward!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep disappointment and frustration regarding the mishandling of our home closing process by Amerihome. 

Our scheduled closing date was XX/XX/year>, at XXXX PM. We completed our final walkthrough at noon that same day and proceeded to AmeriHome to sign our closing documents as planned. Just as we were leaving for our appointment, we received a call stating that the company wasnt ready and that our appointment was rescheduled for XXXX PM. We returned at XXXX PM, only to be informed that the documents were still not ready and we would need to reschedule for the following dayMay XXXX at XXXX PM. 

On XX/XX/XXXX, while on our way to the office, we received yet another call stating they were still not ready, citing reasons such as being " short-staffed '' and that " no one was available to work on our file. '' Our lending agent attempted to intervene and was eventually able to speak with a manager. Despite those efforts, our closing was rescheduled againthis time for XXXX. 

When XXXX finally arrived, the closing was once again cancelled at the last minute. Throughout this ordeal, we were misled, delayed, and left without clear or honest communication from AmeriHome. 

In addition to the emotional and financial stress this caused, we also missed multiple days of workdue to the constant rescheduling. Each time we adjusted our schedules and took time off, only to be toldat the last momentthat it was delayed again. These repeated disruptions had a real impact on our livelihood and added unnecessary strain to an already frustrating process. 

Had we been given the true status of our file early on, we could have made an informed decision about whether to proceed or withdrawpotentially preserving our {$4500.00} in earnest money. Instead, we were kept in the dark, with shifting explanations and empty reassurances. By the time the full extent of the delays became clear, it was too late for us to make a decision without forfeiting those funds. 

We trusted AmeriHome to provide timely and transparent communication during XXXX of the most important decisions of our lives. That trust was not honored. 

What we experienced was not only incredibly unprofessional but also emotionally and financially exhausting. I sincerely hope no other family has to endure this, and I strongly encourage AmeriHome to review how such cases are handled to prevent future harm to prospective homeowners.

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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account was opened while I was in XXXX  by someone who had access to my account and information!

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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Account was opened while I was in XXXX  by someone who had access to my account and information!

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address an error in my credit report that has reported a late payment which I believe was submitted on time. My records, including bank transfer documentation and billing statements, clearly demonstrate that the payment was not late. I have always prioritized on-time payments, and this inaccurate reporting undermines my efforts to maintain a strong credit history.

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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/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 XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and XXXX XXXX. 

* * My Background * * I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had {$5200.00} in the account. Since then, all of my money is inaccessible even over a year later. 

This interruption has caused me significant hardship. Specifically : I experienced extreme hardships to pay my rent and basic necessities. The amount in Juno was my savings on which I heavily relied for my day to day needs. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Several companies have accessed my credit report without authorization, resulting in direct and significant harm to both my credit standing and overall score. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored. These inquiries remain, and your agencys continued inaction is unacceptable. 
The presence of these unapproved and potentially fraudulent entries is not only alarming but also strongly indicative of identity theft. Your failure to take corrective action is causing ongoing emotional distress and tangible financial harm.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm reaching out to formally dispute the listing of XXXX or more incorrect addresses currently appearing on my credit report. These addresses are inaccurate, and I have never lived at, been associated with, or authorized use of those locations in any capacity. 

Let me be completely straightforward I take the accuracy of my credit report and the protection of my personal information very seriously. The presence of these incorrect addresses is not only misleading, but it also raises serious concerns for me regarding potential identity confusion, file mixing, or worse possible identity theft. I am not going to let inaccurate personal data float around unchecked on a document as sensitive as my credit report. 

These addresses are not connected to me, have no relevance to any account I've opened or maintained, and they should never have been associated with my file in the XXXX place. Including false or outdated personal information can lead to misreporting, unnecessary flags, and wrongful credit decisions that I refuse to tolerate.

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: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
On XX/XX/year> I contacted the company asking about my redemption options and was told there were none. I then asked about retrieving my personal property from the vehicle and was give multiple invalid numbers.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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 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: LA

Complaint narrative:
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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found a collection account from XXXX XXXX with the original creditor listed as XXXX XXXX XXXX XXXX XXXX, reporting a balance of {$2300.00} and an open date of XX/XX/XXXX. I am disputing this account for the following reasons : I do not recall having any unpaid or outstanding debt with XXXX or any insurance-related collections. 

I have never been notified of this alleged debt before it appeared on my credit report no letters, calls, or collection notices were received. 

The accounts Date Opened is in the future ( XX/XX/XXXX ), yet it was reported in XX/XX/XXXX, which raises concern about data accuracy and potential account manipulation or re-aging. 

The listing provides no details on how this debt was incurred, what it is for, or how the balance was calculated. 

As a consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ) to request proper verification and accurate reporting of all items affecting my credit.

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