vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
Loan XXXX XXXX XXXX XXXX XXXX XXXX  stated that payment that was due on XX/XX/XXXX was not paid until XX/XX/XXXX. Which is not true in made XXXX payments in the month of XXXX which took care of XXXX. Company has reported me 30 days late which I was not. 

This company is reporting inaccurate information on me to the credit bureau. And further more this company website states that they will start reporting to the credit bureaus on XX/XX/year>. This company was reporting me before this date. I never given this company permission to share my information with anyone or a third parties. This company is refusing to take responsibility and remove information from my credit report as well as the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: TN

Complaint narrative:
On XX/XX/year> I was offered a loan for {$600.00} XXXX. With biweekly payments of {$160.00} I am being told to pay off the loan the total payoff will be {$3000.00}. I told them this is illegal rates and I can't afford to pay this biweekly for the duration expected. I have been scammed by someone that lied about this loan and expectations of the terms. This company should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
A promissory note dated XXXX XXXX, XXXX case XXXX : XXXX, property XXXX XXXX XXXXXXXX XXXX XXXXXXXX, in the amount of {$7000.00}. This XXXX was executed and notarized on the above date.With the borrowers being XXXX XXXX and myself, XXXX XXXX, the signature of my name was not made by me. It is a complete forgery/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had a cash app account got a call from an XXXX  rep stating someone had flagged my account due to suspicious activity. Then told me they had traced it to my cash app account they removed into my cash app account and stole {$790.00} from me and cash app refuses to pay me back and investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
I paid my balance on my card off in the middle of XXXX. My account is set up for mailed communications with the issuing company. The company sent me an email a few days after I paid off my account. The email informed me that my credit allowance will drop from {$890.00} to {$100.00} due to credit score. During this time I was considering home buying or renting another property ( moving from my current address of 9 years ). I did not know of this change as it affected by credit score. I had got denied on rental applications because of my score. I just found out they had did this on yesterday when I signed onto my online account to pay my bill. The bill is interest charges. However my account has been open since XXXX and Ive never received an email from this company. Ive always received communications via regular mail. Now Im currently homeless because I didnt renew my lease knowing I could find another place to stay. However I didnt know they had did this to my credit which has caused many applications to be denied because of the drop on my score. I have documentation from my account settings to show Im not a part of paperless billing. I never authorized this company to send me emailed correspondence. If I had known about this I couldve made a better informed decision about renewing my lease. As to which I wouldve known that this action would do this to my credit. I mightve decided to stay in my home until this wasnt an issue affecting my credit any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
This information will be in the files uploaded to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am writing to formally request a thorough investigation into the inaccurate reporting of late payments on my credit file related to my XXXXXXXX XXXX  account through XXXX XXXX XXXX. These late payments were reported despite deferment agreements made during a time of hardship caused by XXXX  and subsequent recovery efforts. 

I initially worked with XXXX XXXX XXXX, who approved a payment deferment due to the natural disaster in my region. Once I regained financial stability, I proactively entered into a hardship plan which, at that time, transitioned to XXXXXXXX XXXX I have attempted multiple times to get clarification and resolution from XXXX, requesting that they review the phone calls and agreements confirming the deferments. Instead, they consistently redirected me to use their online messaging system, where my uploaded letters and supporting documentation were removed. 

Despite my efforts, XXXX has failed to appropriately assist or accurately update my account status. They advised me to dispute the items with the credit bureaus. I followed their direction and submitted disputes. TransUnion initially removed the late payments but later re-added them without explanation. Experian failed to conduct a meaningful investigation, even though the payments were agreed to be deferrednot delinquent. 

I believe the root of the issue lies in the transition between departments ( XXXX XXXX and XXXXXXXX XXXX  ) and the lack of continuity in honoring deferment agreements. This mishandling has resulted in ongoing credit damage and stress, despite my good-faith efforts to resolve the matter. 

XXXX XXXX did not honor the federal guidance put in place during XXXX. They reported late payments during the hardship period. 

All three credit bureaus have failed to thoroughly verify the accuracy of the information and cross-check the dates of hardship arrangements. I respectfully request that this matter be escalated and that my account be corrected to reflect the deferred status agreed upon at the timenot a delinquent one.

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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I am filing a formal complaint against [ Debt Collectors Name, if known ] regarding their repeated and harassing attempts to collect a debt in the amount of {$490.00}. For over a year, beginning approximately in XX/XX/year>, I have been receiving multiple phone calls per week from this company. 

Despite my efforts to resolve or dispute the debt, the harassment has continued. I verbally requested that they stop calling me at work and instead communicate in writing. However, they continued to call me at my workplace, causing embarrassment and unnecessary stress.

Ive sent a written request via certified mail asking them to cease all phone communication and to provide validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received no proper validation, yet they continued to call repeatedly, sometimes several times a day. These calls have occurred at all hours, including early mornings and after XXXX XXXX, w

hich directly violates 15 U.S.C. 1692c ( a ) ( 1 ). I have kept records of the calls, and some were from different phone numbers. I also noted that a representative spoke to a third party a family member or co-worker about my alleged debt, which is a clear violation of 15 U.S.C. 1692c ( b ). To this day, I have not received a valid written explanation or documentation of the alleged {$490.00} debt. I believe this ongoing conduct is not only harassing but intentionally abusive, and I am requesting formal investigation and enforcement action against this company. Actions Ive Taken : Verbally requested cease in calls Sent written cease and desist letter Requested debt validation in writing Kept written logs and call records Filed this complaint with your office I am requesting that this company : 1. Cease all further contact with me except as permitted by law ; 2. Remove debt from my credit report. 3. Be investigated for ongoing violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Below are the inquiries I am disputing i do not know these companies 1. XXXX XXXX Inquiry Date : XX/XX/year>2025 2. JPMCB CARD Inquiry Date : XX/XX/year>2025 3. XXXX XXXX Inquiry Date : XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I went to try and open a bank account Friday XX/XX/scrub> 2025 and I was unable to due to a balance owed that I dont recognize nor authorized to be opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions 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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Between XXXX XXXX XXXX transunion added a bankruptcy to my file. The thing is I dont have a current bankruptcy. The last time i I filed a bankruptcy was in XXXX. With transunion doing this it dropped my credit score XXXX points! I was in the process of buying something I need now its on hold.

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 2025-07-19 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: MA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX This is a continuation of request for the above complaint number. I realize you give the company 60 days to research and make this right, but it does not take that long to see that a loan for a mobile home was paid off in XXXX and send a code to the XXXX to release an e-loan. This initial complaint ( XXXX ) was was reported XX/XX/XXXX. Wells Fargo, this is not acceptable. 
Wells Fargo has not contacted me to ask for any information, so they must have what they need and they are just sitting on this process.

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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My wallet was stolen with personal information like identification and social security card. Loans was opened in my name. 

PNC bank XXXX {$4200.00} - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is not legally bonded in the state of Texas and can not collect debt. Status was cancelled in XXXX according to the XXXX  XXXXXXXX XXXX  XXXX. 

They have failed to show proof of active status in the state of XXXX  per XXXXXXXX XXXX XXXXXXXX. 
Please permanently remove collection from all three credit bureaus. Thank you Please see below and also attached. 

Principal Name : Central Portfolio Control Inc XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: OH

Complaint narrative:
In XX/XX/year>, I signed financing paperwork with Foundation Finance Company LLC for a {$15000.00} bathroom remodel. After signing, I discovered that the total repayment amount would be nearly {$38000.00} due to an annual interest rate of 17.99 %. This interest rate was never clearly explained to me at signing, and I was not shown a complete breakdown of the total cost of the loan. 
I believe this constitutes predatory lending, as I was not fully informed about the excessive interest or total repayment obligation. The loan nearly triples the cost of the remodel, which I would not have agreed to had I known the full financial impact. I feel the terms were deceptive and unfair. 
I am requesting an investigation into the financing practices of Foundation Finance Company LLC and that they reduce the interest or offer a fair settlement based on the original amount financed. I have also sent a formal dispute letter to the company requesting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: United Mortgage Lending LLC
State: ID

Complaint narrative:
We used United Mortgage Lending United Mortgage Lending | XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. ( XXXX ) XXXX for a XXXX. The process started on XX/XX/year>2025. We were promised the loan would close and the funds would be transferred to our bank account by XX/XX/year>2025. We did not even close until XX/XX/year>2025. We were told the funds would be deposited into our bank account by XX/XX/XXXX, or XXXX, 2025. Today is XX/XX/year>2025 and we still dont have the funds. I have called the closing department and spoke to an agent who said the funds were approved and wired on XX/XX/year>2025. She then said she wasnt authorized to speak to me and to call the loan officer. I texted XXXX the loan officer, multiple times and he has replied with very short messages stating it would be figured out, trust he also said he was going to find a # for us to call and never replied with the #. It is imperative that we receive these funds ASAP to repay a loan that we owe! I have never been through a more screwed up loan process than this. It has been a nightmare.

Company response to consumer: Closed with non-monetary relief