vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charge-off account reported under my name. After reviewing my credit file, I have reason to believe that this account is being reported in violation of applicable laws and procedures. 

Specifically, I contend that this account is invalid due to improper handling within the securitization process. Once a debt is securitized and sold into a trust or to investors, the originating creditor and subsequent servicers may no longer retain proper ownership or rights to report, collect, or charge off the account in the manner currently reflected on my credit file. Reporting this account as a charge-off appears to be inconsistent with the chain of title, ownership rights, and governing securitization agreements. 

Under the FCRA 15 U.S.C. 1681, I request that you : 1. Provide verification and validation of the legal right to report and collect on this account, including documentation proving the creditor 's ownership interest following securitization.

2. Investigate and remove this account if proper verification can't be produced.

3. Ensure that all reporting complies with the accuracy and fairness standards required by law.

Please consider this letter a formal dispute. I expect your reinvestigation and response within the required timeframe under the FCRA. If you can not verify the accuracy and lawful reporting of this charge-off, it must be deleted from my credit report immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-09-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX [ Eqiufax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Re : Request for Investigation and Deletion of Unverifiable Information under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute certain information currently being reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting an investigation into the accuracy and verifiability of all information reported in my credit file. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX  Please be advised that any item in my credit report that can not be verified must be promptly deleted. The FCRA requires that you complete your reinvestigation within 30 days of receiving this dispute. If the information provider can not produce documentation proving the accuracy and completeness of the information, it must be removed from my credit report. This is not optional it is a legal obligation under federal law. 

Do not rely on electronic or third-party databases to verify the accounts in question. Verification must come from the original furnisher of the information, supported by documentation that is independently verifiable. 

In accordance with 611 of the FCRA, I am requesting that you : 1. Conduct a full and fair reinvestigation of all items that may be unverifiable ; 2. Delete any information that can not be verified within the statutory timeframe ; 3. Provide me with a free updated copy of my credit report after your investigation is complete ; 4. Provide written documentation of the results of your reinvestigation, including the name, address, and contact information of each data furnisher involved. 

Please find enclosed the following documents for identity verification, as required : A copy of my government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of address This letter is submitted in good faith in accordance with my rights under federal law. Failure to comply with the FCRAs provisions could result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Complaint Regarding XXXX XXXX University ( XXXX ) and Loan Disputes I am filing a complaint against XXXX XXXX University ( XXXX ) and its representative, XXXX XXXX, regarding their programs and the associated financing I obtained through Affirm Shop Pay. 

In XX/XX/year>, my wife and I attended the XXXX XXXX XXXX XXXX  presented by XXXX XXXX. During this five-day seminar, we were promised that by the end of the program we would have a profitable product to sell on XXXX and begin generating income immediately. Excited by this opportunity, we enrolled in XXXX  programs with the belief that the mentorship, support, and guaranteed results presented during the seminar would be delivered. 

On XX/XX/year>, I took out a loan for {$2000.00} for XXXX  XXXX XXXX. Shortly thereafter, on XX/XX/year>, I was persuaded to enroll in the XXXX XXXX XXXX, which cost {$7000.00}. Both loans together total {$800.00} in monthly payments. Additionally, I was charged {$990.00} on my XXXX XXXX credit card for related costs. 

Unfortunately, after enrolling, I quickly discovered that the promised results and support structure were not provided. Communication with XXXX was nearly impossibleemails went unanswered for weeks, and the support team refuses to discuss refunds. XXXX has no direct phone line, making it extremely difficult for students to resolve issues. 

I initially filed a dispute with Affirm Shop Pay in XX/XX/year>. However, after XXXX responded, my refund request was denied. I have since filed another dispute with Affirm, which is still pending, but I remain without resolution. 

I am now facing severe financial hardship. I have recently undergone two surgeries, and my medical bills are mounting. I can not afford to keep up with these loan payments, especially given that XXXX has failed to deliver the promised services. 

I am aware of other students in similar situations who have reported XXXX to the CFPB and received refunds. I respectfully request that the CFPB intervene on my behalf to : Cancel and refund the loans I took out through Affirm Shop Pay ( {$2000.00} and {$7000.00} ). 

Refund the {$990.00} charge made to my XXXX XXXX credit card. 

I feel strongly that XXXX misrepresented its services, failed to provide adequate support, and is engaging in unfair business practices that are causing significant financial harm to its students. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MicroBilt / PRBC (formerly CL Verify)
State: LA

Complaint narrative:
On XX/XX/year>, I filed FTC Identity Theft Report # XXXX documenting multiple fraudulent tradelines being reported in my name. I have never applied for, opened, or authorized any account with PRBC/MicroBilt. Any information they are reporting about me is the result of identity theft and does not belong to me. 

This is my first direct complaint against PRBC/MicroBilt. Under the Fair Credit Reporting Act ( FCRA ), specifically 605B, I have the right to block and permanently delete all information resulting from identity theft. PRBC/MicroBilt is furnishing data to consumer reporting agencies that are already in violation of FCRA deadlines, making them non-compliant as well. Continuing to report false or unverifiable data is unlawful under 607 ( b ), 611 ( a ), and 623 ( a ) ( 3 ).

I am not the owner of this alleged account, and I dispute all liability. Furnishing inaccurate data has caused me credit harm, loss of opportunity, and emotional distress

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 2025-09-14 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: TX

Complaint narrative:
Requested via mail on XX/XX/year> for TransUnion Equifax and Experian to investigate and provide accuracy and completeness following these accounts on my credit report under the FCRA 1681i, 1681e ( b ) ,1681s-2 ( a ) and to submit to me all communication/documentation obtained during the investigation within 30 days or delete from my credit reports.

XXXX  - ( revolving account ) Dispute : dates payment history and comments inconsistent across all three agencies. 

XXXX  XXXX - ( installment account ) dispute balance term length and deferment status different across bureaus XXXX ( auto loan account ) dispute payment history last active date and dispute comments inconsistent across bureaus XXXX  - ( revolving account ) dispute dates high credit and payment history inconsistent XXXX XXXX XXXX XXXX installment account ) dispute payment history dates and comments and inaccurate/incomplete XXXX XXXX XXXX - XXXX XXXX account ) dispute payment status Dates and comments and consistent XXXX XXXX XXXX XXXX  ( installment accounts ) disputing payment history Payment status Last Reporting dates inconsistent across all bureaus XXXX  - ( credit line account ) dispute high credit last activity and comments inconsistent XXXX  - ( Collection account ) disputing account last active dates and comments differ across all bureaus State of XXXX - ( collection ) disputing last activity date and payment history inconsistent XXXX XXXX XXXX ( revolving account ) disputing high credit limits dates and payment history and consistent XXXX XXXX  ( charge account ) disputing high credit last active comments defer XXXX XXXX - ( Charge account ) disputing high credit last active comments pay history inconsistent XXXX XXXX  - ( revolving account ) disputing high credit limits less active payment dates comments payment history and consistent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested via mail on XX/XX/year> for TransUnion Equifax and Experian to investigate and provide accuracy and completeness following these accounts on my credit report under the FCRA 1681i, 1681e ( b ) ,1681s-2 ( a ) and to submit to me all communication/documentation obtained during the investigation within 30 days or delete from my credit reports.

XXXX  - ( revolving account ) Dispute : dates payment history and comments inconsistent across all three agencies. 

XXXX  XXXX - ( installment account ) dispute balance term length and deferment status different across bureaus XXXX ( auto loan account ) dispute payment history last active date and dispute comments inconsistent across bureaus XXXX  - ( revolving account ) dispute dates high credit and payment history inconsistent XXXX XXXX XXXX XXXX installment account ) dispute payment history dates and comments and inaccurate/incomplete XXXX XXXX XXXX - XXXX XXXX account ) dispute payment status Dates and comments and consistent XXXX XXXX XXXX XXXX  ( installment accounts ) disputing payment history Payment status Last Reporting dates inconsistent across all bureaus XXXX  - ( credit line account ) dispute high credit last activity and comments inconsistent XXXX  - ( Collection account ) disputing account last active dates and comments differ across all bureaus State of XXXX - ( collection ) disputing last activity date and payment history inconsistent XXXX XXXX XXXX ( revolving account ) disputing high credit limits dates and payment history and consistent XXXX XXXX  ( charge account ) disputing high credit last active comments defer XXXX XXXX - ( Charge account ) disputing high credit last active comments pay history inconsistent XXXX XXXX  - ( revolving account ) disputing high credit limits less active payment dates comments payment history and consistent

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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/year> I went to an approved ATM provided by Navy FCU I did an ATM withdrawal of {$500.00} and attempted 2 more withdrawals at the same ATM and was denied the monies for the 2 attempts I did not receive. When I contacted Navy Federal Credit Union the gentleman on the phone said they were notified of denial of the transactions from XXXX Was told they would fall of from my account, they did not I called several times and was told multiple times by several people one being XXXX at Navy said the money would be back in my account no later than the XXXX it was not so I called again do not know whom i spoke with other than a supervisor whom said the money was already back in the account! no it was not I will show an accounting of all money that was spent and what is in my account and what should be in my account. I make these complaints and nobody does anything this is a federal credit union who goes on the military name. I have attached if I can all papers concerning this matter I tried to resolve it by phone by message they are not responding to anything I have to be held accountable for all money by government and they should be held to that same standard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 explanation
Consumer complaint received 2025-09-14 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I applied for XXXX XXXX in XXXX XXXX  XXXX and the reason for denial was because of a property dispute of criminal charges against a tenant thats named symbol to my name the problem is that I dont have a middle name and never had married I never lived at the address thats on file and I doesnt have a criminal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian, TransUnion and Equifax continues to report Accounts that were opened but fraudulently abused without my authorization. I provided FTC and police reports with proof of identity/address. Equifax has not complied with FCRA 605B or 611.

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 2025-09-14 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:
Experian, TransUnion and Equifax continues to report Accounts that were opened but fraudulently abused without my authorization. I provided FTC and police reports with proof of identity/address. Equifax has not complied with FCRA 605B or 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I owed on my credit card for a while because I was without a job so I called making an arrangement to pay off everything that I owed and when I did, the woman on the phone promised me I would have access to my credit either the same day or the next day That the payment went through two days later, it gets taken out of my bank account and when I go and look, its not accessible in my credit card fund so I gave it two more days and it still wasnt so I called up there again and they said they put a seven day hold on my money and would not give it to me until it cleared my bank so then I explained to him it did clear my bank two days ago and its still not showing up to which he pretty much said I cant do nothing for you. Your money is in limbo for seven days. That was my whole paycheck and the only reason I did that is because I was promised it would go onto my credit card the same day or the next day or I wouldnt have ever paid The full amount off. I wouldve paid it in sections so I wouldnt be completely out of money so I have no money for my child and no money for myself and no money for gas to get back-and-forth to work because of this and I feel like that this should be wrong and they shouldnt be able to take money from people and not give them their credit, even though its already cleared their bank account and is in their possession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX I had a positive balance of {$150.00}. I stopped to get gas, which my checking account is linked to for payment. It removed the {$26.00} which left a balance of {$120.00}. The very next transaction is a reversal from my bank of {$26.00} which the put the balance back to {$150.00}. 

This reversal cost me a {$50.00} fee from the gas payment processor for a return fee. 

I called my bank and they said what I am seeing is different than what the system is showing on their end. I asked why our records would would not match? They said it is too complex to explain and that I must go into a branch to have it explained to me. I asked why customer 's are not given full disclosure if their system keeps different records than what is provided to the customer? Again, they could not explain it and said I must go to a branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My XXXX Bank XXXX XXXX, XXXX Card By XXXX XXXX and XXXX Bank checking account were compromised in a XXXX data breach of my XXXX account. XXXX Card by XXXX XXXX and XXXX Bank XXXX XXXX have billed all of the fraudulent amounts as new charges and reporting the balances as delinquent on all of the credit bureaus. XXXX has blocked me from accessing my own account and continue to update every account number change to this compromised XXXX account. XXXX XXXX by XXXX XXXX started reporting the fraudulent balance as past due from XX/XX/XXXX to present, despite throttling the account from XX/XX/XXXX up until it was closed in XX/XX/XXXX. The balance consists of charges from XXXX that have added back multiple times, despite there not being a balance due from XX/XX/XXXX and on. I made XXXX Bank aware of fraudulent charges that I have disputed starting in XX/XX/XXXX that were initially credited to my account and the reversed and rebilled. I went to the branch to address this practice and the same thing happened. I want to have letters from both companies stating that there never was a balance due, all delinquent marks will be removed from their reporting to all credit bureaus, my balances will all be reduced to zero, and that all collections will cease and desist immediately.

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