vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: NY

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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Started in XX/XX/XXXX when my auto-pay didn't go through. They said they mailed me something in the mail stating this would happen, I told them I have selected all my communications to be email, why is this one coming in mail? I work overseas and come home rarely. Whatever, I called the company in XXXX week of XXXX asked how to make payments. They gave me instructions so I started sending payments via their exact instructions they gave me over the phone. I still saw on my account that the payments have not been applied, so I've been emailing them asking for updates. 
After several weeks, on XX/XX/XXXX they asked for proof that the money left my account. I sent them what they asked for. 
Then on XX/XX/XXXX they said it was the wrong address... Even though it was the same one they gave me over the phone. Whatever, I corrected it with my bank and sent 2 months payments to the correct address. Now I'm behind payments, almost delinquent. 
It wasn't until XX/XX/XXXX until I FINALLY got another response from them, saying I'm sending the money incorrectly and to do a bank wire instead. WHY DIDN'T THEY SAY THAT IN THE FIRST 3 EMAILS!?!!?? If they wanted me to do a wire, why wasn't that said to me in my previous 5 communications with them??? Instead of saying, show screenshots of money leaving bank, please correct the physical address to this address, they could've said to send a wire. But they didn't. I am suspecting they did this for me to accrue late fees on purpose and here is why I'm starting to suspect that.

I called them XX/XX/XXXX and they said the same thing, I need to send a wire. They also claimed they didn't receive any funds from me, however on XX/XX/XXXX my bank told me over the phone that they did receive the funds and the funds were deposited to their account.

Now I am delinquent status and my credit score has been affected. I have accrued crazy late fees, the money has been deposited and they're still requiring payments from me.

They will not respond to my emails for weeks, and their phone support is someone from a different country who is difficult for me to understand, who is not understanding me, who refuses to let me speak with a supervisor or a manager who can help me. They are a robot and repeat that " funds have not been received and I need to send a wire '' over and over.

I need some help communicating with them. I've asked multiple times to speak with someone who is more responsive, but they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, 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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please see attached documentation.

This is not a duplicate and if you mark it as such. That is nothing more than evidence of your lies and lawlessness that I will be using in FEDERAL COURT.

I have already spoken to an agent at the CFPB and they informed me of what you all do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$45.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXXXXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-19 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: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-19 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: TN

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I would like for this company t o refund my money and close the account. I am afraid that identify fraud my credit has already been comprised. I need a successful resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Square ( Block, Inc. ) has placed a freeze on my business account and is withholding my funds based solely on a UCC-1 lien notice filed by a third-party law office. There is no court order, writ of garnishment, or judicial authorization for this action.

A UCC-1 financing statement only gives notice of a creditors claim ; it does not provide legal authority to seize or freeze funds. By treating a UCC-1 lien notice as equivalent to a garnishment order, Square is engaging in unfair and improper business practices.

As a result, I have been deprived of access to my business funds, totaling approximately {$4300.00}, which has caused financial hardship, disrupted my operations, and put my small business at risk.

I request that Square be required to immediately release my funds unless a valid court order is presented, and that regulatory authorities review Squares practices to prevent similar harm to other small business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I made a proper dispute with navy federal regarding 2 transactions for over {$300.00} and {$96.00} that I did not receive what I bought. It was 2 orders for clothing. I contacted the sellers, both did not respond, I filed a claim through XXXX to no avail, finally I made a dispute with navy federal. I provided photo evidence of these details including order receipts, messages to the seller and card/order numbers. They did not message me ever and it automatically closed in the sellers favor. I called again in order to request why it has not been reviewed again yet as it was reopened a week ago. They are not helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never consented to its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
This is in reference to an Apple Card. I first attempted to resolve this through XXXX customer support on XX/XX/year> at which time I was told that unless I had access to XXXX account, there was nothing that could be done. I then contacted Goldman Sachs and was told that I should resolve it through XXXX. I explained that since XXXX is just the branding partner, Goldman should have a procedure to override and confirm identity which they did not. The only option provided was to pay off the card and close the account at which time, I could reapply. Obviously, this penalizes me by subjecting me to another credit inquiry, also reducing my overall credit limit and also removing the transaction history associated with this card and potentially causing lapsed payments, fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

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

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 2025-08-19 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA

Complaint narrative:
Complaint : Debt Collection and Billing Dispute Achieve Test Prep & KINUM Issue : I am disputing a debt arising from unauthorized enrollment and billing practices by Achieve Test Prep and subsequent collection attempts by XXXX XXXX XXXX. Unauthorized Enrollment and Charges I was enrolled in 11classes without my explicit consent.

I never agreed to take or pay for all of these classes, yet I was billed for {$12000.00} I signed 2 enrollment agreements the first ones included all of the extra classes. When I noticed that achieve wasnt the actual college and only place to take your prerequisite I called to be removed from those classes that I never attended or need to take. The second agreement I was signed up for 2 classes that I agreed to take because that the only classes I needed to attend my community college.

2. Failure to Provide Documentation Achieve Test Prep issued a second agreement claiming my balance was reduced to {$690.00}. That I agreed to pay. And made payments on. 
They refuse to provide the original voice recordings of enrollment or previous conversations where I asked multiple times to withdraw they also didnt send the copy of that second agreement. 
3. Forged/False Documentation I was presented with a document stating that if I did not pay {$690.00} within 90 days, I would owe the full {$12000.00}.

I believe this was fabricated and does not reflect any agreement I entered into.

4. Debt Collection Issues The debt was transferred to [ KINUM INC ].

The agency refuses to provide validation or records, yet continues to demand {$12000.00}.

5. Credit Reporting Harm This debt remains on my credit report, lowering my score and preventing me from qualifying for a mortgage. 
These charges are erroneous, based on unauthorized enrollment. 


I no longer have the second enrollment agreement where the classes were removed computer/documents, but I have communications with both Achieve Test Prep and the collector. 
Both parties have withheld documentation and refused to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I am filing this complaint against Affirm , Inc. and XXXX for willfully violating the Fair Credit Reporting Act and fabricating credit data on my credit report. The account in dispute is with Affirm , Inc. under account number XXXX. 

After I disputed an inaccurate entry on my XXXX credit report, Affirm and XXXX fraudulently altered the payment history for this account. They fabricated a XXXX payment history for an account that was opened on XXXX XXXX XXXX This is not an innocent errorit is a deliberate and malicious act of data fraud intended to bypass my lawful dispute and falsely verify an unverifiable account. 

Affirm violated FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information it knew or should have known was inaccurate. XXXX  violated FCRA 611 ( a ) ( 1 ) by failing to conduct a reasonable reinvestigation. Both parties violated CFPB Bulletin XXXX by engaging in deceptive practices and fabricating data instead of correcting inaccuracies. 

I previously disputed this item directly with XXXX and Affirm. Instead of correcting the error, they committed fraud by creating a false payment history. I have sent both companies a formal demand letter via certified mail, which they have ignored. I am attaching proof of this correspondence and evidence of the fabricated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
Robinhood closed my account and never returned my funds ( though they said that they did, it was never delivered to my original account ) nor confirmed the details of the return details after multiple follow ups. They also decided to prematurely close my case XXXX previously. Please follow up and resolve the matter with me directly first before closing the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 response to consumer: Closed with explanation