vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am disputing an inaccurately reported late payment on my credit report for my Affirm account, which XXXX claims was late in XX/XX/year>. However, I made the payment on time, and this negative mark is a mistake that is unfairly impacting my credit standing. 

At the time, there may have been a processing delay on Affirms end, or a system error that incorrectly marked my payment as late despite being submitted on time. Additionally, I have not received any prior notices or documentation from Affirm indicating that this payment was ever late. Given these factors, I believe this late payment is either a reporting error or a misclassification that should be corrected immediately. 

I request that the CFPB investigate this matter and require XXXX to remove this inaccurate late payment. This error is unjustly affecting my credit, and Experians failure to properly verify this information violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
To whom it may concern ; Upon reviewing my credit reports I found a surmount of inquiries on my credit report in which I did not authorize.

I have many inquiries.

Likewise, all these inquiries are an infringement on my credit reputation. Trying to obtain new credit with these unauthorized inquiries led to embarrassment and a blemish on my credibility and I was denied credit.

Please correct this - according to the In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A.

Which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 crimes which antedates the report by more than seven years

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 2025-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : URGENT LEGAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED ACCOUNTS AND CANCELLED DEBTS NOT DELETED Dear Sir/Madame I am formally disputing the continued reporting of the following accounts, which are illegally remaining on my credit report in violation of federal law : Creditor Name Account Number Date Opened DEPT OF ED/XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX  XXXX XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXXXX/XX/XXXX Legal Violations & Grounds for Immediate Removal The accounts listed above exceed the legal time limits for reporting, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ). 

FCRA Section 605 ( a ) ( 15 U.S.C. 1681c ) Negative information must be removed after 7 years from the date of first delinquency.

The above accounts exceed this time limit, making their presence unlawful.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) IDENTITY THEFT & FRAUD PROTECTION I am formally requesting removal of these accounts under this section IRC 108 ( e ) ( 2 ) Canceled Debt Can not Be Collected or Reported These accounts were charged off and reported as canceled debt, they can not remain on my report under IRS and FCRA guidelines XXXX 

The continued reporting of such accounts is illegal. 
15 U.S.C. 1681o Negligence & Non-Compliance Liability : Creditor Name Account Number 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 You have failed to comply with federal reporting laws.

Your negligence in maintaining accurate credit data has already caused financial harm to me.

If not resolved, I will pursue legal action, seek damages, and report this non-compliance to federal agencies.

Required Action & Legal Consequences I demand immediate deletion of the accounts listed above. Failure to comply within 15 days will result in : A formal complaint to the CFPB, FTC, and state attorney general for FCRA violations.

A potential lawsuit seeking damages under 15 U.S.C. 1681o and 1681n ( Willful Non-Compliance ).

Reporting to IRS enforcement if charged-off accounts are still being illegally reported.

Final Warning : Immediate Deletion Required This is your final notice. If these accounts are not immediately removed, I will escalate this matter legally. You are liable for statutory damages of up to {$1000.00} per violation, along with attorney fees, per FCRA law. 

Please provide a written confirmation that these accounts have been deleted and an updated credit report reflecting the correction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed XXXX XXXX XXXX XXXX has a collection account XXXX for {$3100.00} on my credit report but do not have a debt collector/collection agency license number according XXXX  XXXX  listing for XXXX  or XXXX XXXX. I'm disputing this debt but I would like confirmation that such entity is authorized to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
SANTANDER CONSUMER USA IS REPORTING A CHARGE OFF ON MY CREDIT FILE AS OF XXXX XXXX AND STARTED SHOWINING ON MY CREDIT REPORT XX/XX/XXXX. XXXX  SHOWING A BALANCE OF {$16000.00} CHARGEOFFS ON BOTH MY XXXX AND XXXX I NEED THESE ANSWERS AS I WAS NOT SHOWN PAPERWORK ON ANYTHING How Did They Get That balance? 

Show a break down of the how they got the balance owed? 

Why didnt I receive a letter of when, where and what amount they got for the vehicle at auction? 

Why didnt I receive a letter about the charge off? 

Explain how they got the current interest fees? 

Wrong Balances? 
Dates? 
Ownership ( What are you doing with that account )/ How did you get to that balance that you put on my credit report? 

You sold it so I need these balances and dates justified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am reaching out due to recently being in the process of purchasing a vehicle. As I have pulled my credit report, I have noticed that Discover Bank has charged off account ending in XXXX on all XXXX credit reports. I have never received a XXXX form, can you please go ahead and send this immediately. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: I.C. System, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address ( optional ) Phone Number ( optional ) XX/XX/XXXX Credit Bureau XXXX Credit Bureau XXXX XXXX, XXXX, ZIP Code Dear Sir or Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate. I have reviewed my credit report and identified an error, and I would like to request a correction under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account XXXX : Account XXXX : Ic system inc / XXXX XXXX and associates/ receivable management XX/XX/XXXX XX/XX/XXXX. XXXX all ] The item I am disputing is [ describe the specific error for example, a late payment that is inaccurate, an account that doesnt belong to you, or any incorrect information ]. I have attached supporting documentation, including [ mention any documents you are providing as evidence, such as a copy of your statement, receipts, or correspondence from the creditor ]. 

I request that the following action be taken : Correct the inaccurate information Remove the account if it is not Please investigate this matter and notify me of the outcome in writing. I understand you are required to complete your investigation within XXXX  days. If you need any further information or documentation from me to assist with the investigation, feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-03-17 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: LJ Ross Associates
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IN XXXX Email Address ( optional ) Phone Number ( optional ) XX/XX/XXXX Credit Bureau Name Credit Bureau Address City, State, ZIP Code Dear Sir or Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate. I have reviewed my credit report and identified an error, and I would like to request a correction under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Information : Account Name : XXXX XXXX XXXX / lj ross and associates/ XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX. XXXX all ] The item I am disputing is [ describe the specific error for example, a late payment that is inaccurate, an account that doesnt belong to you, or any incorrect information ]. I have attached supporting documentation, including [ mention any documents you are providing as evidence, such as a copy of your statement, receipts, or correspondence from the creditor ]. 

I request that the following action be taken : Correct the inaccurate information Remove the account if it is not Please investigate this matter and notify me of the outcome in writing. I understand you are required to complete your investigation within 30 days. If you need any further information or documentation from me to assist with the investigation, feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
5 years ago I sent a Zelle payment XXXX to a wrong person. Zelle didnt have security in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
Pursuant to 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
Pursuant to 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

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 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received My statement for XX/XX/XXXX. It had a past due payment of {$39.00}. I called several times to dispute the charge and the automated system disconnected the calls. 

I have contacted Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and spoken to XXXX, XXXX with little to no help. 

Another attempt XX/XX/XXXX with XXXX, XXXX and XXXX with regard to late payments to statements received after due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ) as highlighted in the XXXX recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I kindly request the CFPB take action to ensure Experian complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : 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 2025-03-17 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: AZ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX {$0.00}

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 2025-03-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
There is a scam from fraudsters that are fraudulently making documents that state they are from say the state of XXXX XXXX XXXXc, they incrementally but substantially increase with or with our notifying me the consumer. Then I am unsure how they get paid but it has to do with constantly taking money from escrow... ..This is an elaborate scam laundering money through escrow. It happens so quickly that the consumer can not keep up but when asked to prove what is going on, the fraudulent documents are in place to back up the scam but to quickly for a layman to know what is going on. The whole thing is just a giant consumer scam funneling and laundering money through ones escrow Mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-17 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: AL

Complaint narrative:
I am currently having an issue where other peoples names and accounts are appearing on my credit report. Most of these accounts are before I even turned XXXX  XXXX  of age except one I have uploaded documents and made phone calls to Equifax to get the issue fixed and it still persist and recently I cant even access my Equifax account because of an XXXX  error and says to call them and mention the error, which Ive done before. I also have proof of these errors. I have a similar issue with 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 2025-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation