vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against Affirm , Inc. and their partner company, XXXX, for deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I initially disputed an alleged debt being collected by XXXX on behalf of Affirm. I received unsolicited emails referencing multiple alleged Affirm accounts ( ending in XXXX and XXXX ). Upon disputing these debts, XXXX rejected the initial dispute without providing any explanation in the email. Instead, they required me to access the dispute results through their website, despite my explicit request for the documentation to be provided outside of a login portal. This practice is deceptive and obstructive, as it withholds critical information from the consumer and forces them to use a third-party platform to access basic details about their own dispute. 

Additionally, XXXX stated the dispute results were provided by email, yet the email did not contain any documents or traditional attachments. Instead, it included links labeled as PDFs under an attachment ( s ) heading. These links were not actual attachments but were external links hosted on XXXX website, which is intentionally misleading, particularly in debt collection communications where transparency is crucial. 

One of the links led to a loan origination document from Affirm. However, the document was not physically attached but was hosted on a publicly accessible XXXX page. This raises security concerns as it exposes customer data without proper protection. It also undermines the claim that the information was secure, and further reflects the deceptive nature of how these documents were presented to appear as attachments when they were merely links. 

Moreover, the loan origination document fails to validate the debt. It lacked key items like a chain of assignment, an itemized accounting of the debt, a signed contract, proof of XXXX legal authority to collect, and evidence of a permissible purpose for accessing my credit report. 

Despite requesting physical copies of all documentation and asking for electronic communication to cease, XXXX has not complied with my request for mailed documentation. They did, however, stop emailing me after my request. 

I continue to dispute the validity of these debts and request that all collection efforts cease until I receive proper debt validation by physical mail. The practices outlined above indicate violations of the FDCPA, specifically the failure to provide clear, truthful information regarding the debts in question. 

Thank you for your attention to this matter. I look forward to your investigation and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX XXXX XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX, XXXX  XXXX GA XXXX -Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA XXXX XXXXIncorrect Name : - XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-12 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - 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 This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-12 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: IN

Complaint narrative:
It is imperative that this account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: TX

Complaint narrative:
TEK COLLECT INC reported a balance on my credit report and I have no clue who they are or what this about. I never received a mail or email. I am so confused as to what is going on and need answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am submitting this complaint due to inaccurate late payment reporting by Rocket Mortgage on my credit report. I reviewed my report in XX/XX/year> and found late payments reported for several months that I believe were either paid on time or not properly processed. 

I requested documentation from Rocket Mortgage to verify the accuracy of these late entries, including the full payment history, due dates, and grace periods. I have not received confirmation or records to support their reporting. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i and 1681s-2, consumers have the right to dispute inaccurate or unverifiable credit information and expect it to be investigated promptly. If Rocket Mortgage is unable to verify the late payments with documentation, I request that they be corrected or removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to request the immediate removal of any and all harmful, outdated, or inaccurate information reported in my ChexSystems file. I am also requesting a full consumer disclosure report to review the records currently held in your system. 

Due to ChexSystems reporting, I have experienced repeated denials of bank accounts and check-cashing services, which has caused significant personal and financial hardship. I have not been notified properly of the specific nature or source of the negative reporting, and I dispute the validity and continued reporting of any derogatory information under my name and Social Security number. 

Please consider this letter a formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which grants me the right to dispute and request deletion of : Any inaccurate Outdated Unverified, or Unauthorized information

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover someone stole my identity and open up a credit card in my name and theyre trying to sue me and take me to {$7000.00} Threatening me about a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My accoun was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My accoun was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This letter is in response to Goldman Sachs Bank USAs reply to the CFPB regarding the Apple Card account referenced in the complaint dated XX/XX/XXXX. While I appreciate the Banks review of my concerns, I must firmly dispute their findings and clarify key factual inaccuracies with supporting legal grounds. 

The Bank asserts that it did not issue a Form 1099-C for this account ; however, I have in my possession Copy B of the IRS Form 1099-C that was sent to me by Goldman Sachs Bank USA . This form clearly documents that the debt was canceled, thereby fulfilling the criteria for debt discharge as defined by the Internal Revenue Service ( IRS ).

Legal and Statutory Grounds Supporting My Dispute : IRS Guidelines on 1099-C : According to the IRS, a 1099-C is issued when a creditor cancels or forgives a debt of {$600.00} or more. This cancellation constitutes taxable income for the consumer.

The issuance of a 1099-C creates a legal presumption of debt discharge. Per IRS Pub. 4681 : " If a creditor has discharged a debt and issues a Form 1099-C, the debtor is no longer personally liable for the debt. '' Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a duty to provide accurate information to credit reporting agencies. Reporting a debt as a charge-off while also issuing a 1099-C constitutes double accounting, which is misleading and inaccurate.

Continuing to report a debt as collectible after it has been canceled violates the accuracy provisions of the FCRA. 

CFPB and FTC Guidance : Both agencies have confirmed that once a debt is canceled and a 1099-C is issued, the consumer should not be held liable for the debt and continued negative reporting may be considered a deceptive or unfair practice. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), established that once a 1099-C is issued, continuing to collect or report the debt may violate the FDCPA and FCRA. 

Summary : The Banks response is inaccurate and in contradiction to both IRS documentation and federal laws. The issuance of a 1099-C is proof that the debt has been canceled. Therefore, reporting this account as a charge-off is misleading, inaccurate, and a violation of the Fair Credit Reporting Act. 

I respectfully request that : This account be removed from all credit reporting agencies. 

The CFPB reopen the complaint and require Goldman Sachs to correct their reporting practices. 

The Bank cease any further reporting of this account in light of the evidence provided. 

Please find attached Copy B of the IRS Form 1099-C as evidence of the debt cancellation. I request this matter be thoroughly reviewed and resolved in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-12 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: TX

Complaint narrative:
15 U. S code 1681B ( 2 ) all negative items on my credit. If they can't provide proof with my signature giving permission to have these negative items report them they must delete 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 2025-04-12 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: FL

Complaint narrative:
When I realized this fraudulent card with XXXX XXXX  was on my credit report I called Experian and spoke with XXXX in special handling. XXXX referenced identity theft documents on file over the last year. XXXX stated he would attach the appropriate document and dispute it with a 30 days turn around until I requested a call back from a supervisor. XXXX then questioned why and proceeded to inform me that he actually could not assist and would need to transfer me to another department. When I said ok, he disconnected the call.

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 2025-04-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-12 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus say everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system. 

DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief