vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of XXXX XXXX XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX sent written paperwork that they would delete off credit report but Equifax has not deleted yet

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: NC

Complaint narrative:
I XXXX XXXX XXXX, ( XXXX ) have noticed XXXX unrecognisable reports on my credit history. I have no knowledge of the items accumulated on my credit report and I requested an expungement of all negative inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the specific dates because I do not recognize these inquiries.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I applied for and was approved for an Affirm loan on XX/XX/year>, for a purchase with XXXX. I am experiencing XXXX issues. The first is the original interest amount charged. 

Original Purchase Amount : {$2800.00} ( {$2900.00} total purchase less {$87.00} down payment ) {$2800.00} * XXXX = {$970.00} {$2800.00} + {$970.00} = {$3800.00} Estimated Total ( Principal + Interest ) = {$3800.00}. 

Within XXXX hours, on XX/XX/year>, XXXX issued a {$120.00} refund. 

Given that the refund occurred so quickly, I contacted Affirm on XX/XX/year>, to have the loan total adjusted to the correct amount. However, I spoke with XXXX different representatives who stated they could not update the order and that there was nothing they could do. 

Here is a breakdown of the amounts : Original Purchase Amount : {$2800.00} ( {$2900.00} total purchase less {$87.00} down payment ) Refund Applied : {$120.00} New Principal Total : {$2700.00} ( {$2800.00} - {$120.00} ) Estimated Interest ( 34.49 % ) : {$930.00} ( {$2700.00} * XXXX ) New Estimated Total ( Principal + Interest ) : {$3600.00} This clear discrepancy, which Affirm representatives were unable to resolve, is the core of the issue. 

I believe Affirm 's charges in this situation are deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I called and got a pay off amount for my Capital One credit card account as well as closed the account on XX/XX/XXXX, XXXX i was told by the customer service XXXX, XXXX XXXX that this included the amount of estimated interest on the account from the statement end date of XX/XX/year> to XX/XX/year> ( when i called to pay off and close the account ). I asked XXXX or XXXX times for verification that this was paying off the entire statement balance as well as any estimated interest accrued from the end of the statement date XX/XX/year> to XX/XX/year>. The customer service agent stated that yes that includes everything. i closed my account which also had a cash rewards balance on it of {$35.00}. He made sure to disclose this to me and gave me the option to either have that sent in the form of a check or apply it to the account balance. i told him to apply it to my balance, which they did leaving me with a credit balance of {$45.00}. I received a statement on XX/XX/year> showing that a {$10.00} interest charge was made and taken out of my credit balance. I called them on XX/XX/year> to ask them why i was being charged interest on this account since it has been closed and i paid the statement balance as well as estimated interest accrued from XX/XX/year> statement date to XX/XX/year> when i made my payment. I was told by the customer service representative, XXXX, that i paid the estimated interest from XX/XX/year> to XX/XX/year> when i made my payment paying the account in full and closing it. He stated that it was for the interest for the per day rate from the statement end to when i paid my payment on XX/XX/XXXX, XXXX i stated i already paid the estimated interest from those dates and it was estimated that it was going to be {$11.00}. i argued with him for a little bit going back over everything and at this point i told him i was going to file against them with your agency and he immediately said i am going to get my supervisor on the line. i told him go ahead and do so. I then spoke with XXXX of the customer service managers, XXXX and proceeded to tell me the same thing that XXXX did. I went over the same things with her and told her i feel that they are trying to double dip on the interest but i would understand if it was something called residual interest which they are by law able to collect after an account has been closed and settled. It was not told to me by either customer service agents that this is what that was. I told them that i feel that they are practicing illegal account activity and that i would be filling this report. She said that she would notate my account that I would be pursuing filing a complaint with this federal agency. She asked me how i wanted my credit balance done and i told her that i wanted it mailed to my at the address on file. She said that they would send the check out in normal processing times.

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: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My personal information was used without my permission to open fraudulent account, unauthorized credit inquiries, and unknown addresses. 

XXXX XXXX Credit Acceptance Corporation 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 XXXX Credit Acceptance Corporation 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance XXXX XXXXXX/XX/XXXX Credit Acceptance Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and a student loan accounts from the Department of Education was fraudulently reported on my Equifax credit file. On XX/XX/2025, I submitted a formal dispute under Section 605B of the Fair Credit Reporting Act ( FCRA ) to Equifax. Along with my dispute, I included all required documents : a notarized affidavit, an FTC Identity Theft Report, and supporting identification.

Despite receiving all necessary documentation, Equifax has failed to block the account from my credit report within the 4 business days required by law. This account is not mine and was opened or reported without my knowledge or consent. I am requesting that the Consumer Financial Protection Bureau ensure Equifax complies with Section 605B of the FCRA by immediately removing the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
In XX/XX/year>, I switched insurance companies. The mortgage company refunded our escrow balance for insurance then increased our payment to cover the escrow shortage. When I received the check, I immediately made a payment to repay the escrow however they did not apply it correctly. In XXXX, they took our payment and recorded it as unapplied funds and showed us as a late payment. I called again to have this corrected. Company said they would fix but in XXXX the same thing happened. I called again and this continued. Accumulating late fees that they said they would reverse. Finally in XXXX, I got someone who understood the problem, reversed all the payments and reapplied correctly. I had a small balance to pay which I gave her over the phone. In XXXX, things were still wrong and we received notice that our loan was being transferred to XXXX XXXX. We continued to make our mortgage payment but when XXXX got it, I found out it was not corrected and now it " needed to be researched ''. We are in XXXX, I have emailed statements mulitple times, called and talked to different people and no one can seem to help. I found out that because Freedom Mortgage didn't pay the insurance bill that was sent twice, our insurance was cancelled and they assigned us a ridiculously expensive policy throught their company. This has wasted countless hours on the phone, stress and headaches along with late payments and fees that shouldn't be charged. A friend of mine in lending stated this is a FCRA ( 15 U.S.C. 1681s-2 ) violation as well as a potential RESPA violation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE XXXX IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
They did not have proper consent to use my information for credit reporting nor were they giving the information directly which was unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
On or about XXXX XX/XX/year> I was contacted by an individual claiming to represent a debt collection company looking to collect on a debt for an apartment application fee for an Apartment in Florida ( which I never applied for ). 

The caller spoke quickly and I was unable to understand him, or the full name of the company he worked for, but I did inform him that the debt was incorrect and likely the result of fraud. 

He became XXXX  and insisted that the debt was mine. 

I requested verification, the caller told me he would send informaiton validating the debt, confirmed my home address, and hung up. 

I did not receive any informaiton regarding the purported debt, and assumed that the caller was part of a debt colleciton scam. 

On XXXX XX/XX/year> I was informed by XXXX that a colleciton attempt was logged against my account by Qualia Collection Services attempting to collect a debt for XXXX XXXX XXXX in the total of {$560.00} XXXX impacting my credit.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and delete these accounts within XXXX days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX XXXXisted below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 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

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