vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
On XX/XX/XXXX, a fraudulent transaction in the amount of {$2500.00} was posted to my XXXX XXXX, issued by XXXX XXXX XXXX. I promptly disputed this transaction, but my dispute was repeatedly closed without proper investigation, despite my providing supporting documentation. On XX/XX/XXXX, I received an email stating that my account had been closed due to a failure to comply with the terms of the Customer Agreement. I later confirmed via a XXXX XXXX representative that the account closure was a mistake, and they issued a {$250.00} goodwill credit as an acknowledgment of the error. 

However, after the account was closed, I was locked out of all XXXX XXXX servicesincluding access to statements, payment history, and XXXX XXXX though I remained enrolled in autopay and continued making timely payments. I made payments of {$91.00} on XX/XX/XXXX, {$2900.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. On XX/XX/XXXX, I received an email stating my account was past due by {$110.00}, which was confusing because I had made a payment just three days earlier. I contacted support and was told the payment had been reversed by my bank, which is completely false. I confirmed with XXXX  XXXX XXXX that no such reversal took place, and I was never notified of any reversal by either XXXX  XXXX XXXX or XXXX XXXX. 

To make matters worse, I could not access my statements or XXXX to verify anything myself, and XXXX XXXX delayed or ignored my multiple requests for copies of statements. I eventually received XXXX XXXX statement only after persistently requesting it. During this time, my credit score dropped nearly XXXX points due to inaccurately reported late paymentsdespite being on autopay and actively making payments. I have screenshots and payment confirmations showing I attempted to stay current, but I was blocked from managing my account due to XXXX XXXX ' admitted account closure error. 

This has caused severe damage to my credit, emotional distress, and financial disruption. I have already submitted disputes to the credit bureaus and contacted XXXX XXXX directly. I am now seeking the CFPBs help to resolve this matter and to require XXXX XXXX to remove all inaccurate late payment reports from my credit history, correct my account information, and provide a written resolution. I believe XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( XXXX ), Truth in Lending Act ( Reg Z ), Gramm-Leach-Bliley Act ( GLBA ), Unfair or Deceptive Acts and Practices ( UDAP ), and NY XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Affirm , Inc. is reporting a charge-off account on my Experian credit file with multiple clear inaccuracies that violate the Fair Credit Reporting Act.

The payment history contains future-dated delinquency markers, contradictory status updates, and a sequence of CO ( charge-off ) codes that are impossible and unverifiable. The account shows a {$1000.00} charge-off while simultaneously reporting {$1000.00} past due, which constitutes duplicate and conflicting balance reporting.

Under FCRA 607 ( b ), information furnished to consumer reporting agencies must be reported with maximum possible accuracy. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not provide information they know or should know is inaccurate. Affirms reporting includes factual inconsistencies that can not be substantiated. 

Because the delinquency dates, payment history, and balance information are contradictory, inaccurate, and can not be verified, this tradeline violates both XXXX accuracy requirements and Affirms duties under the FCRA. I am requesting that this account be removed from my Experian credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
I have been owed a refund from Mohela as part of the XXXXXXXX XXXX XXXXXXXX settlement for over XXXX years after my loan discharge. Ive called more times than I can count, emailed, involved the ombudsman, notified the legal team on the case, you name it. I can not get one straight answer on where my refund is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am formally requesting that you cease and desist all communication with me regarding the above-referenced account. This notice is being sent to you in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I do not wish to receive any further phone calls, letters, emails, or other forms of communication from your company or any third parties acting on your behalf. Any future contact must be limited to written notice confirming that you will cease collection efforts, or, if applicable, notice of any specific legal action you intend to take.

Please be advised that continued attempts to contact me after receipt of this letter will be considered harassment and a violation of federal law, subjecting your company to possible civil liability under 15 U.S.C. 1692k. 
I expect written confirmation that you have received and processed this cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting documentation and made a clear request for correction. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information be corrected within the legally mandated timeframe. The continued reporting of this late payment constitutes a direct violation of these provisions.I request that the credit reporting agencies : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$36000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to dispute the inaccurate reporting of the account LVNV FUNDING LLC with number XXXX on my credit report. According to your records, the account is listed as CollectionOrChargeOff, opened on XXXX, with the date of last activity shown as XXXX, and last verified on XXXX. This information is incorrect, and I demand that this account be deleted from my credit report.

The Fair Credit Reporting Act, under 15 U.S.C. 1681s-2, mandates that credit reporting agencies maintain accurate information. Therefore, I request that you provide the documentation and verification used to confirm this accounts accuracy, as well as proof of the {$590.00}, which I dispute. 
The need for accurate reporting is clearly outlined in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court held that credit reporting agencies are responsible for ensuring the accuracy of consumer reports and must correct or delete inaccurate information promptly. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that a failure to maintain accurate information constitutes a breach of duty, further emphasizing the responsibility of credit agencies to act on disputes raised by consumers. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I am submitting this follow-up regarding inaccurate late payment entries reported on my Equifax, TransUnion, and Experian XXXX files for the account listed as XXXX XXXX XXXX XXXX Account No. XXXX. I previously disputed these errors, but the results of the initial reinvestigation failed to correct the inaccuracies or provide adequate verification as required under the Fair Credit Reporting Act ( FCRA ). 

Because the information remains incorrect, I am requesting that Equifax, TransUnion, and Experian conduct a further, thorough reinvestigation in compliance with FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681e ( b ), 1681i ) to ensure the maximum possible accuracy of the reported data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

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 rectify these issues.

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 2025-11-21 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:
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 rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified this agency on XX/XX/year> about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to this agency which included a Federal Trade Commission ( FTC ) Identity Theft ReportXXXX XXXX XXXX XXXX XXXX XXXX  ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records. This agency is in violation of 15 U.S. Code 1681i ( 5 ), Treatment of Inaccurate or Unverifiable Information. I noticed this account was removed by this agency on XX/XX/year> through the Consumer Financial Protection Bureau ( CFPB ), the following account was REINSERTED in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there were multiple transactions that were fraudulent. I made a dispute with a dispute specialist, after the dispute was made its been radio silence with no confirmation of the dispute no confirmation that they received my photos or my police report, and most importantly I asked for provisional credits and have yet to here from them if you guys are going to be a while on doing the dispute I really would appreciate access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 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 rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX, someone used my SS number to open an account with the electrical company in XXXX  called XXXX  XXXX in order to start service at XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX. In order to collect the {$260.00} owned by that person, the company hired XXXX XXXX, a collection company. I only was aware of the collection and the bad reporting on XXXX  on XX/XX/XXXX when I run my credit in order to start a refi on my home. The bad reporting on my credit occurred on XX/XX/XXXX. Ive contacted LJ ROSS and emailed them police report, and statements of my mortgage, car payment and water bills to show them that I am and was living in XXXX XXXX  at that time and still currently am. I have never lived in XXXX, I have never rented an XXXX XXXX XXXX  or I have never gave my SS to be used. Ive explained it to the collection company and they only want me to pay the bill. Theyve claim that my SS matches to the debt and do not care that its a fraud or my SS was used without my knowledge. Ive contacted XXXX  XXXX and theyve sent me paperwork to fill up, Ive also mailed them a police report, proof that Ive always been living in XXXX XXXX, and notorized my statement. Ive contacted as well transunion and they keep saying that the collection company refuses to remove the reporting and there is nothing they can do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Synchrony Financial - Lowes store credit card. 

XX/XX/2025 - Paid account balance in full {$4500.00} on due date. 

XX/XX/2025 - logged into account and had a new balance of {$100.00}. Customer service claims that was interest of interest added to my account due to 3 days it took them to process my payment. 

XX/XX/2025 I received a statement in the mail demanding a payment of {$6.00}. They claim this is due to interest charged on the interest charged back in the XXXX billing cycle. Minimum interest charge is {$2.00}, so that has been added each month. I have payed off the balance of this card multiple times with no issues. Their current lending practice will not allow a person to ever pay off a balance. Your account will always have an interest charge for the days it takes to process your payment. I asked to have the charges removed. They refused. I asked to speak to management, they refused. They would only provide me with an address that I could write to. I asked to close the account immediately. I have not received any confirmation and do not know if the process the request. 

I spoke to XXXX employee # XXXX and XXXX last 4 of employee # XXXX. Both employees refused to transfer my call to a supervisor and stated that there was no person higher than them. 

I would like the {$6.00} charge removed from my account and the account closed.

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 monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We were unable to file an FTC Identity Theft Report due to the government shutdown. In place of that, please proceed by submitting disputes with all inaccurate information ( wrong names, wrong addresses, wrong accounts ) in accordance with the Fair Credit Reporting Act ( FCRA ). It is essential that this is completed in a timely manner, as the law requires credit reporting agencies and furnishers to investigate disputes promptly. I will provide further guidance and examples to ensure everything is done correctly. Relevant FCRA Laws to Comply With 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Credit reporting agencies must investigate disputed information within 30 days of receiving notice. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Companies that provide information to credit bureaus must ensure accuracy and must investigate disputes forwarded to them. 15 U.S.C. 1681c-2 Blocking Information Resulting From Identity Theft Consumers have the right to request that fraudulent information resulting from identity theft be blocked from their credit report. 15 U.S.C. 1681j Free Disclosures in Case of Identity Theft Victims of identity theft are entitled to a free copy of their credit report and related documents. 15 U.S.C. 1681c Requirements Relating to Information Contained in Consumer Reports Outlines limits on what information can appear in credit reports, including restrictions on outdated or unverifiable data.

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 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TN

Complaint narrative:
I rented from XXXX XXXX XXXX. I had to break my lease early due to getting laid off from work. The agreement was they would only charge me until they rented the apartment to the next tenant, which was rented out within a week of me moving out. They sent me a bill for {$4200.00} which is completely ridiculous. I called and left several messages and never got a call back. I then notice a hit to my credit report from Hunter Warfield, trying to collect said amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Reporting fraudulent accounts : Immediate Block / Deletion Demand under FCRA 605B ( 15 U.S.C. 1681c-2 ) Fraudulent / Identity-Theft / Data-Breach Accounts XXXX XXXX XXXX This a fraudulent account. I have shared my information with or given any authorization to use or access my personal information ever.

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