vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am writing in response to a communication I received from your agency on [ insert date ], regarding an alleged debt you claim I owe. I am formally disputing this debt and requesting validation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor The full amount of the alleged debt, including a breakdown of interest and fees A copy of any judgment ( if applicable ) Verification that I am legally obligated to pay this debt A copy of the original contract or agreement bearing my signature Until you provide these documents, please cease all collection activity and do not report this account to any credit reporting agencies, or, if already reported, mark the account as disputed with the credit bureaus.

Be advised that any further attempt to collect this debt without proper validation may violate federal law. If you fail to respond within a reasonable period, I will consider this matter closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MOHELA
State: TX

Complaint narrative:
FCRA 611 ( a ) ( 1 ) ( a ) My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: IL

Complaint narrative:
I reached out to the company via phone call, asked them for proof of ownership for the collection I supposedly ole from years ago because Ive been having issues moving due to this false collection that I did not have ownership for, they didnt provide any information or proof, then threatened me by sayingI will have to pay the balance or they will continue to report it to my credit bureau and continue to damage my credit score after I stated I wasnt paying for a collection I did not have ownership of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this complaint to formally report inaccurate information on my credit report and the failure of both the credit reporting agency and the furnisher to properly investigate and correct it, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I identified the following inaccurate information on my credit report provided by TransUnion : XXXX XXXX XXXX, Balance : {$130.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$640.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1100.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$930.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$510.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1400.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1400.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$510.00} Opened : XX/XX/XXXX ( Collections ) Issue : These accounts are listed as late, but I have never made a late payment I disputed this information directly with the credit reporting agency and provided supporting documentation. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days of receiving my dispute. I also notified the data furnisher as required.

To date, this account ( s ) has not been properly investigated or corrected. The information remains on my report inaccurately, and I believe this constitutes : 1. A failure to perform a reasonable investigation ( FCRA 1681i ), 2. Continued reporting of inaccurate information ( FCRA 1681s-2 ), 3. Harm to my creditworthiness and financial standing.

This inaccurate reporting is negatively affecting my credit score and preventing me from obtaining fair access to credit. I request that the Consumer Financial Protection Bureau investigate this matter and hold the responsible party ( or parties ) accountable for compliance with the FCRA.

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 2025-06-29 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have a late payment placed on my account by a company called AFFIRM. I called the company 3 times about this false report on my credit report. They told me they showed it was a clothing purchase on my XXXX account where I used the third party, AFFIRM, to make payments for the clothing purchaes on XXXX. They gave me the date of purchase was in XX/XX/XXXX. I had no purchase history on my XXXX account for any purchases or for any clothing purchase. They requested photos of my account purchases. I sent them my XXXX account info and sent screenshots to prove I have never purchased any clothing through XXXX on the dates they claimed. The customer service rep at AFFIRM confirmed receipt of my dispute. They could view the photos of my XXXX account with my name, proviing it was my account and could see the entire purchase history of my account. Even with proof and full access offered to my XXXX account in my name XXXX XXXX, that they showed is the name on the purchase, they came back with a denial. I was told by the rep that they would escalate it to the next level as I called again to appeal their denial. The rep confirmed again that they could see the photos sent and that I showed no purchases on my account that AFFIRM claims I make purchases on specific dates. The amount of the dispute is {$340.00}. They now reported a charge off in XXXX which dropped my credit another XXXX points. This fraud is destroyed my credit and I have undeniable proof that i did not do any purchasing on dates they gave me. I also requested proof of my signing up with AFFIRM and they did not provide that. 
I spoke to them again on XX/XX/XXXX and they stated AGAIN that they would dispute charges in my name. I told them to NOT allow any accounts related to my name or my phone number as they stated I had another loan back in XXXX which I never did that either. Someone is using my email of XXXX and my phone number of XXXX to create a account with AFFIRM for loans that I did not authorize nor did I take the loan out. They are stating the loan taken on was for an XXXX purchase on XX/XX/XXXX for the amount of {$300.00}. They stated the XXXX order ID # is XXXX. I also have attached a screenshot of the search for this order number on my account and as you can see, it could not find it. I sent photos of all my orders for XXXX and as you can see there is no orders with that number. AFFIRM has told me now 4 times that they will fix and or send me proof of me signing up for a loan... they have not done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am currently out of the country and I kept seeing charges on my account. I reached out to my bank and ask them to file dispute upon filing the dispute. They declined it without looking into the matter and then I filed three more times and its still the same outcome, even though Ive provide information and proof that I am out of the country

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: WA

Complaint narrative:
I want to dispute the amount is to much we didn't have a job since the pandemic so we could pay the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a charged off account with XXXX XXXX ending in XXXX. I set up a payment plan with XXXX XXXX in XXXX for XXXX XXXX. I have made every payment on time but XXXX XXXX has continued to report late payments. I did reach out to XXXX XXXX and was told there was nothing they could do about it. I have also disputed with the credit bureaus and they continue to report late payments.

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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am writing to formally dispute a serious clerical and technical error related to my account, which resulted in failed automatic ACH payments over 68 days, from approximately XXXX through XX/XX/year>. 

In good faith, I scheduled automatic payments via Westlakes customer using accurate banking information. The last four digits of the routing number used by your system exactly match my bank 's routing number, confirming that the account information entered was correct and aligned with my banking institution. I was unaware of any errors in the payment information and received no notification regarding any issues Until Today, XX/XX/year>. This lack of communication and failure to identify the problem reflects a clear lapse in Westlakes customer service and payment processing systems. 

On XX/XX/year>, I spoke with Customer Service Supervisor XXXX XXXX, who acknowledged the following key issues : There were payment attempts made by Westlake Financial between XXXX and XX/XX/year>, to an Account that had incorrect Information. 


There were no notices, calls, emails, or system alerts issued to notify me of any unpaid balances during this period. 


He confirmed there is no system record of the account information used to process any payments during the disputed period. 


He mentioned the system had been experiencing internal issues, which may have contributed to the problem. 


He stated that he annotated the issue and would be forwarding the matter to XXXX management team for further review. 

Additionally, I contacted my bank, which confirmed that no ACH payment attempts from XXXX XXXX were submitted or declined between XXXX and XX/XX/year>. The only activity that occurred today, XX/XX/year>, was when I made a manual payment of {$250.00} to avoid any further escalation, including repossession, negative credit reporting, or late fees. 

Despite my consistent efforts to meet my financial responsibilities and use the self-service app, email, and phone communication channels provided, XXXX failed XXXX notify me or process my payments for over XXXX months. This is a significant breach of XXXX XXXX 's responsibilities under federal lending and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
A charge off is income and forbidden to reported on a credit report ( 15 usc 1692 g ; USC 1692 cc : They violated my right by unlawful communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently checked my credit and seen inquiries that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently checked my credit and seen inquiries that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have disclosed numerous times on many occasions that I never received nor used this card but yet TD Bank continues to deny and fails to provide any resolution to this credit card issue. The {$300.00} that was deposited for unsecured credit card was now taken out but yet the account was left open and continued to be charged maintenance fees. I spoke with a customer representative from TD Bank regarding this and was told that apparently the {$300.00} was removed from the account but it was left open which means the account was never closed. This is another example of TD Bank retaliation against its clients who insist upon justice, TD Bank has consistently refused to complete any investigation and the claim was never reopened because I never received any alert stating of such, not to mention the maintenance fees were suppose to be reimbursed to my account and I have yet to see a dollar. Legal action is already underway against this company and the outcome will be very satisfactory in my favor when Im done. Also the company keeps mailing the same documents to me, none one of the documents provide any new information or points that indicate a new investigation so now theyre fabricating their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 pulled my credit reports from Experian, Equifax, and TransUnion and identified multiple unauthorized hard inquiries that I did not initiate or authorize. These inquiries were not made by me and indicate potential identity theft. 

Per the Fair Credit Reporting Act, 15 U.S.C. 1681c2, I am formally requesting that these inquiries be blocked and permanently removed from my credit file. I have filed an FTC Identity Theft Report and submitted written disputes to each bureau. Below are the inquiries I am disputing : Experian Inquiries ( Unauthorized ) : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
I pulled my credit reports from Experian, Equifax, and TransUnion and identified multiple unauthorized hard inquiries that I did not initiate or authorize. These inquiries were not made by me and indicate potential identity theft. 

Per the Fair Credit Reporting Act, 15 U.S.C. 1681c2, I am formally requesting that these inquiries be blocked and permanently removed from my credit file. I have filed an FTC Identity Theft Report and submitted written disputes to each bureau. Below are the inquiries I am disputing : Experian Inquiries ( Unauthorized ) : 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 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-29 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: CA

Complaint narrative:
XXXX XXXX continues to report negative items to the 3 major credit without providing proper documentation that I had an agreement with them or gave consent for them to access my personal information. I have sent letters and multiple requests without proper resolution and answers.

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 2025-06-29 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: NV

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
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 2025-06-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Transunion inquires - XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX Equifax inquires XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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