vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good Morning! 
I bought a flight ticket for my parents ( round trip ). I did it through the website XXXX ( XXXX  ) and the problem was my parents were unable to take the scheduled flight because my grandmother passed away unexpectedly. The same day that my grandma passed away I called XXXX & the airline XXXX where my parents were going to flight. I explained the situation and I asked for a refund, I sent all the documents for the refund and they didn't give me any answer. I have the proof where I can show that I communicated with both of the companies. I also called my bank to explained the situation and even my bank was not able to get me the refund because the company XXXX said I never communicate with them. I have the proof that I called them and the email that I sent to XXXX explaining my situation. I will attach the files.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year>XXXX  that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX has continued to report inaccuracies and also stated sold to Jefferson capital when the account was in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CO

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  - Balance : {$3800.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing an inaccurate and unverifiable bankruptcy record that appears on my Experian credit report. 

I contacted the United States Bankruptcy Court for the Eastern District of Michigan, and the court confirmed in writing that it does not furnish, update, or verify any bankruptcy data with credit reporting agencies. ( I have attached the courts email as proof. ) Experian has failed to provide documentation verifying this record despite my prior request for investigation. The continued reporting of unverifiable public record information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

I am seeking correction and removal of this inaccurate bankruptcy record from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXXXXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Attempted to get debt verifies and removed from report. Representative was asking for personal info over the phone and I made Rep aware I was not comfortable with that and requested mailed info for verification. In turn the rep response was it takes away my ability to dispute if I requested it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
PLEASE REMOVE ACCOUNT FROM CREDIT REPORT DUE TO REPORTING INCORRECT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CADENCE BANK
State: MS

Complaint narrative:
My bank said they were going to cancel my card and reissue me a new one. I told not to do so, but they did it anyway. Since then I have had blocks on my cards, transactions denied and no way to see my account info on line. I have had to call in almost every time I needed to use my card. I have been directed to other " departments '' and talked to multiple supervisors. No results, they kept telling me that my account should be " back to normal ''. I reported this around the XXXX of XXXX. The past week I have been calling in ( daily ) to resolve this. Now they are telling me that it is a vendor issue and not their problem. I have asked for a timeframe to get it resolved, they keep telling me it is not their problem and they do not know. I asked when it was reported to the vendor and I was told the XXXX. XXXX XXXX has done nothing for weeks and now they do not know when it will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Im filing this complaint because XXXX XXXX  is reporting an account XXXXXXXX XXXX XXXX  on my credit report that I dont have proof is valid. 

I havent received any letter or documentation from them within five days of their first contact, as required by the Fair Debt Collection Practices Act ( FDCPA ). They also havent provided any documents to show that this debt belongs to me or that theyre authorized to collect it. 

Im requesting that XXXX XXXX provide proper validation, including the name of the original creditor, proof of my agreement to the debt, and a detailed breakdown of how the balance of {$570.00} was calculated. If theyre unable to provide this information, the account should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am locked out of my online login credential. Made multiple calls and rep kept saying they couldn't verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
b'I am filing this complaint because TransUnion continues to report an account from XXXX  (Account Number: XXXX) that I did not authorize to be reported. I previously disputed this account with TransUnion on XXXX XXXX XXXX by certified mail. The dispute was delivered and confirmed via USPS Tracking Number: (XXXX XXXX XXXX XXXX XXXX XXXX). Despite this, the account is still appearing on my TransUnion credit report. This same account is not being reported by XXXX or XXXX, which shows inconsistent and inaccurate reporting across the three bureaus. TransUnion is required under 15 U.S.C. 1681e(b) to ensure maximum possible accuracy of all information they report. Continuing to publish this account after my dispute and without verification is a violation of that requirement. I did not provide written authorization or permission for this account to be included in my consumer file. Under 15 U.S.C. 1681b(2), a consumer reporting agency may only furnish or report information when it is done in accordance with the consumers written instructions. No written authorization exists. This inaccurate reporting has caused financial harm and emotional distress and continues to affect my ability to secure credit. I am requesting immediate removal of this account and written confirmation once it is deleted.'

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 2025-10-31 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: MD

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have been disputing inaccurate late payments being reported by AmeriHome Mortgage on my credit report for over a year. This mortgage was transferred to another servicer, but AmeriHome is reporting 3060 day late payments after the transfer date. These late payments are not accurate and did not occur.

I have sent multiple disputes to AmeriHome via certified mail and have disputed the account with all three credit bureaus several times. AmeriHome has never provided any documentation to verify the reported late payments.

XXXX  has already removed these late payments from my credit file due to lack of verification. However, XXXX  and XXXX  continue to report the same inaccurate late payments and claim the information was verified, even though no supporting documentation has been provided by AmeriHome. 

This situation violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 611 ( a ) failure to properly investigate disputes Regulation X ( 12 C.F.R. 1024.41 ) inaccurate reporting during servicing transfer I am requesting that the inaccurate late payments be removed from XXXX  and XXXX  as well and that the account be corrected to reflect : Transferred/Paid Never Late, or deleted entirely if AmeriHome can not verify the reporting with actual servicing records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-31 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX This has caused so much emotional damage and very overwhelming, I haven't slept in so long, constantly stressed and. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. This debt has already been cleared for years. A legal contract is signed by both parties, and I did not sign an agreement They did not follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I borrowed {$600.00} from Ascend Loans, and they are charging me {$85.00} per week until XX/XX/year>. That means I would pay over {$3000.00} for a {$600.00} loan. 
I believe this is an unfair and abusive lending practice. 
I want to report the excessive interest rate and request assistance to adjust or cancel this payment schedule. 

Company : Ascend Loans Website : ascendloans.com Amount borrowed : {$600.00} Weekly payment : {$85.00}

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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Altisource Portfolio Solutions, S.à r.l.
State: MA

Complaint narrative:
Altisource abusive cash for keys repeated harassment and trespass of privacy and home. Altisource XXXX XXXX have confirmation of our rejection of said offer with no plans to accept any offers of any kind. They have had multiple lawsuits against them for an assortment of criminal actions. XXXX is no longer in business due to their nefarious activities. 
We want all contact, physical, trespass, mailings, calls to stop immediately. These entities and their affiliates are included in this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing an inaccurate and unverifiable bankruptcy record that appears on my Experian credit report. 

I contacted the United States Bankruptcy Court for the Eastern District of Michigan, and the court confirmed in writing that it does not furnish, update, or verify any bankruptcy data with credit reporting agencies. ( I have attached the courts email as proof. ) Experian has failed to provide documentation verifying this record despite my prior request for investigation. The continued reporting of unverifiable public record information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

I am seeking correction and removal of this inaccurate bankruptcy record from my Experian credit report.

Company response to consumer: Closed with explanation