vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: Grant & Weber
State: TX

Complaint narrative:
I am filing this complaint against Grant & Weber Inc. regarding the account GRANT & WEBER INC XXXXXXXX XXXX, Date Opened : XX/XX/year>, reported as a collection. I have no knowledge, authorization, or relationship with this company or the alleged account. I have never opened, agreed to, or been notified of any such debt.

This collection appears to be false or unverified, and Grant & Weber Inc. has failed to provide any documentation, original creditor details, or proof of ownership confirming that I am responsible for this debt. Reporting unverified and inaccurate information violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for accuracy ) and 611 ( a ) ( requirement to verify disputed information ). 

Despite prior disputes, this collection account continues to appear on my credit report without validation, causing harm to my credit reputation and financial standing.

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 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Transworld Systems Inc XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX RE : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) Account Number : [ List the last few digits shown on your report or XXXX ] Dear Transworld Systems Inc., I am writing to formally request validation of the alleged debt referenced above, as provided for under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I recently became aware of this collection account, which appears to have been opened in XX/XX/XXXX, allegedly originating from XXXX in the amount of {$25000.00}. 

Before I discuss, acknowledge, or make any payment toward this account, I request that you provide full documentation verifying that : 1. You are legally authorized to collect this debt ; 2. The amount claimed ( {$25000.00} ) is accurate, itemized, and owed by me ; 3. You possess a copy of the original signed agreement or contract showing my responsibility for the debt ; and 4. The name and address of the original creditor, along with proof of assignment or sale of the account to your agency. 

Please provide these documents in writing to the address listed above. Until this information is received and verified, please cease all collection activities and refrain from reporting or continuing to report this account to any credit reporting agencies, as required under the FDCPA. 

This letter is not a refusal to pay but a notice that your claim is disputed. Please communicate with me only in writing at the address provided. 

Thank you for your attention to this matter. I look forward to your timely response within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc.
State: NC

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint to report inaccurate and unfair information being reported by Total Card regarding my account # XXXX. I have attempted to resolve this matter directly with XXXX XXXX and through the credit bureaus, but the issue remains unresolved. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter under the authority granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) where applicable. 
Creditor : Total Card Account Number : XXXX Under Section 609 and 611 of the Fair Credit Reporting Act, I am exercising my right to request a proper investigation and correction of this inaccurate information. XXXX XXXX has failed to provide verifiable documentation substantiating the accuracy and validity of this account information. Therefore, I request that the CFPB investigate Total Card reporting practices regarding this account and require them to remove or correct the inaccurate information immediately. 

Please confirm receipt of this complaint and keep me informed of all actions taken. 

Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
I hope this message finds you well. Im writing to kindly request a one-time goodwill adjustment for a late payment that was reported on my account Ive been a loyal customer and have maintained an excellent payment record with your company. This isolated late payment was not intentional when I called to make my payment, it appears my employment information was listed under the wrong company, which caused a delay in processing. Additionally, I never received any mailed statements or paper notices that might have alerted me sooner. Ive since corrected all my contact and employment information and have ensured every payment is on time going forward. I truly value my relationship with your company and take pride in maintaining strong financial integrity. At this time, Im in the process of closing on a home in the ne
xt few weeks, and this single late payment is jeopardizing my mortgage approval. XXXX respectfully asking for your consideration in removing the late payment from my credit reports as a one-time courtesy.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It XXXX Concern, Account # : XXXX I am writing to formally dispute inaccurate information currently appearing on my credit report regarding the above-referenced credit card account. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

These errors do not accurately reflect my account history and are negatively impacting my credit profile. Under the FCRA, your agency is required to conduct a reasonable investigation of my dispute and respond within 30 days. If the furnisher of this information can not verify the accuracy of the items in question, you are required to delete them.

Please provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting any corrections or deletions.

Enclosed are copies of documents supporting my dispute ( if applicable ). Please review these documents thoroughly during your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I placed an order with Nordstrom for a XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) on Thursday, XX/XX/XXXX, with a total purchase amount of {$1200.00}. Upon receipt, I discovered that the items delivered were incorrectboth the ring and cross pendant differed from what I had originally ordered. I promptly returned the incorrect merchandise, which Nordstrom received on XX/XX/year>, as confirmed by XXXX Tracking # XXXX. 

Despite clear evidence of the return, Nordstrom is now asserting that the items shipped were correct and is refusing to issue my refund. This is concerning, as a similar issue occurred previously where the wrong items were sent, yet my refund was processed appropriately. In this instance, Nordstroms refusal to return my funds is both unjustified and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern, AXXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information currently appearing on my credit report regarding the above-referenced credit card account. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

These errors do not accurately reflect my account history and are negatively impacting my credit profile. Under the FCRA, your agency is required to conduct a reasonable investigation of my dispute and respond within 30 days. If the furnisher of this information can not verify the accuracy of the items in question, you are required to delete them.

Please provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting any corrections or deletions. 

Enclosed are copies of documents supporting my dispute ( if applicable ). Please review these documents thoroughly during your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On Wednesday, XX/XX/year> Credit Karma was advertising 13 % consolidation loan through a local XXXX XXXX XXXX stating I qualify. Then said I wasn't qualified, because of twice trying within a 30 day period. Very frustrating! 

Then, XXXX offered a similar consolidation, but lead to identity theft on Thursday XX/XX/year>. That evening I purchased additional software protection on my computer and also on Friday XXXX of XX/XX/year> I contacted XXXX XXXXXXXX XXXX XXXX to freeze my credit. Which protects me from any additional harm from identity theft.

My complaint is with both Credit Karma and EXXXX for false advertising and causing me to experience identity theft. They need to be held accountable! I provided my bank account information which caused emotional pain of resulting in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$4800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- {$4100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$5900.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, Chase referred me directly to a debt management provider for a payment solution on my business card account. Enrollment was completed on the same day ( XX/XX/XXXX ). There was a delay in implementation and transition to the payment program, and my first payment under the program posted on XX/XX/XXXX. 

Despite the fact that I was in an approved program initiated by the lender and was actively working through their referred payment arrangement, Chase reported the account as XXXX days delinquent to the personal credit bureaus. The reporting does not accurately reflect that I was in an approved hardship/workout arrangement that was initiated by XXXX referral, and that the delay in payment posting was due to the transition process of the program not lack of intent or refusal to pay. 

XXXX FCRA, creditor reporting must reflect accurate circumstances. This specific delinquency coding does not distinguish between willful non-payment vs. program transition delay. I am requesting a review of the reporting and correction of this trade line to reflect the actual scenario : that payments were made through a lender-referred debt management arrangement and therefore this should not be coded as standard XXXX delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
I am filing this formal complaint against Affirm Inc. for reporting two charge-off accounts that are false, unverified, and damaging to my credit report. The accounts being reported are AFFIRM INC XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year>, High Balance : {$180.00}, and AFFIRM INC XXXX XXXX XXXX, Date Opened : XX/XX/year>, High Balance : {$410.00}. 

I have no knowledge, agreement, or financial relationship with Affirm Inc. concerning these accounts. I never opened or authorized any loans with this company, and Affirm has failed to provide any validation, original account documentation, or proof of ownership linking me to these debts. 

These charge-offs appear to be false or unverified, and their continued reporting violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( requirement to verify disputed information ). Despite prior disputes, Affirm Inc. has not provided any proof confirming the validity of these accounts. The inaccurate reporting has caused measurable harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In regards to my complaints submitted on XX/XX/year> COMPLAINT ID : XXXX There was no proof of any information provided in the complaints within 30 days and now violates my consumer rights under laws 616 and 617 of the Fair Credit Reporting Act and should now automatically, immediately be DELETED/REMOVED from my credit report by ALL bureaus. Failure to comply will result in my attorney getting involved.

A copy of the written authorization with my signature. If no valid proof exists, these inquiries must be deleted immediately. Failure to comply within 30 days will constitute violations of 616 and 617 of the FCRA, subjecting Experi
an LLC to potential statutory damages. Please find attached proof of my identity and current address for verification. 

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 2025-11-08 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: TX

Complaint narrative:
In regards to my complaints submitted on XX/XX/year> COMPLAINT ID : XXXX There was no proof of any information provided in the complaints within 30 days and now violates my consumer rights under laws 616 and 617 of the Fair Credit Reporting Act and should now automatically, immediately be DELETED/REMOVED from my credit report by ALL bureaus. Failure to comply will result in my attorney getting involved.

A copy of the written authorization with my signature. If no valid proof exists, these inquiries must be deleted immediately. Failure to comply within 30 days will constitute violations of 616 and 617 of the FCRA, subjecting Experi
an LLC to potential statutory damages. Please find attached proof of my identity and current address for verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my XXXX car lease account, which was mistakenly sent to collections and inaccurately reported to credit bureaus. 
My XXXX lease account was active from XXXX through its return in XXXX. Throughout the full XXXX-year lease term, my account remained on autopay and paperless notifications, and no payments were ever missed or late. This demonstrates a consistent history of on-time payments and responsible account management. 
In XXXX, I was contacted by a collections company regarding non-payment of the bill from returning the lease. Prior to this contact, I had no knowledge of any outstanding balance. Upon contacting XXXX for clarification, they confirmed they had been sending paper statements ( See Attached ) regarding the lease return cost to my old address at XXXX XXXX XXXX, XXXX, which I moved from in XXXX. This was neither my current address nor my preferred method of contact, which I had previously set up with XXXX. I have always used email as my primary method of receiving payment notifications and balance updates, and my email address has never changed ( that same email address is also being used to report this ). 
Postal forwarding was only set up for XXXX year upon my move in XXXX, and the companys attempts to reach me by mail extended well beyond that period. I was unaware of the issue until contacted by collections, and I paid the balance in full within approx XXXX weeks of notification. 
This collection reporting is inaccurate, misleading, and inconsistent with my long history of on-time payments, with XXXX and clean credit history. It was clearly the result of a communication error, not a failure to pay or delinquency on my part. Reporting this collection harms my credit record despite my responsible account management. 
I respectfully request that the CFPB investigate this matter and that the erroneous collection entry be removed from my credit report. I am happy to provide supporting documentation, including proof of autopay and statement XXXX sent me when asked for clairifcation that shows it being sent to my old XXXX address. 
Thank you for your attention to this matter. 
Sincerely, 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 non-monetary relief