vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX directly from XXXX using Affirm financing for {$1700.00} ( Order # XXXX ). Shortly after receiving it, I returned the device using XXXX official prepaid XXXX  return label and followed all instructions exactly. 

XXXX later claimed that the box arrived empty and has since refused to issue a refund. This claim is incorrect and unfair. As the shipper of record, XXXX is responsible for any loss or theft during transit. I fulfilled my obligation by returning the phone exactly as instructed through their official process. Regardless of whether the item was stolen under XXXX 's or XXXX XXXX  wing. 

When I raised the issue, XXXX provided only a partial investigation summary, refused to return the original box/packaging for independent inspection, and did not provide complete evidence. Their investigation did not address visible concerns, such as ripped tape at the bottom of the box, nor did they provide transparency into their handling of the return. 

I am now left without the product and without a refund, while still being billed through Affirm. I have disputed the charge with Affirm, provided all communications and evidence, and requested resolution multiple times, but XXXX has failed to honor its obligations. 

This situation is causing ongoing financial harm and stress. I am seeking full accountability from XXXX and Affirm to ensure the refund of {$1700.00} is properly issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
XX/XX/year> - Called Roundpoint Mortgage to ask why they paid my insurance twice. They said someone from the insurance company would get back to me. 
XX/XX/year> - Again called Roundpoint Mortgage to ask why they paid my insurance twice. They said someone from the insurance company would get back to me. 
XX/XX/year> - Sent by certified mail a letter with copies of statements to Roundpoint. They paid my insurance twice and this caused my escrow to go up a ton for the coming year. I received a letter back saying they would get back to me within 30 days but nothing. 
XX/XX/year> - Called in again and asked to speak to someone in the insurance dept. Now I have money in the suspense account because they wont ' apply the amount to my mortgage payment. Now receiving late notices and default information. 

I did call in and got a hold of someone in the insurance dept. -XXXX  XXXX She said that it is because the insurance notice shows the premium for the COMBINED Duplex, and Roundpoint is supposed to pay XXXX of the premium of one side, XXXX and XXXX of the premium for the other side, XXXX. However Roundpoint can't separate the premium. 

I have other duplexes where the servicing companies have no problem splitting the premium but Roundpoint does not appear to have the capability. They have submitted a request to remove escrow because the insurance co can't issue two invoices for the same property. No response. 

Now Roundpoint is sending late notices and delinquent notices to the credit agencies when it is their fault for paying my insurance 2x!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/year>, LexisNexis admitted in writing that they are reporting a civil filing record XXXX in my consumer file. They claim to have verified it, but they did not provide the procedure used to verify the information, nor did they provide the name, address, or phone number of the furnisher of information as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

This record is inaccurate and is causing serious harm to me, including denial of housing opportunities through tenant screening. LexisNexis has failed to ensure maximum possible accuracy as required under 1681e ( b ). 

I am requesting that the CFPB compel LexisNexis to : XXXX. Delete civil filing record XXXX immediately from my file. 
XXXX. Provide written confirmation of deletion. 
XXXX. Provide a full description of their verification process and the furnisher of the disputed information. 

LexisNexis is violating my FCRA rights and continuing to report harmful and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am following up regarding several unauthorized inquiries that continue to appear on my credit report. These inquiries were never authorized, and their continued reporting misrepresents my financial history and negatively impacts my creditworthiness. I am requesting that they be permanently removed from my credit file. 
The inquiries from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were not XXXX or initiated by me. Reporting these inquiries violates FCRA XXXX XXXX XXXX. XXXX, FCRA XXXX ( f ) XXXX XXXX. XXXX ( f ), and FCRA XXXX ( a ) XXXX XXXX. XXXX ( a ). Their continued presence is inaccurate, unauthorized, and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We are XXXX  homeowners in XXXX, TX with loan # XXXX, serviced by Mr. Cooper ( Nationstar Mortgage ). We purchased our home for {$410000.00} and invested approximately {$270000.00} in cash down payment at closing, leaving a small loan balance of {$130000.00}. 

Despite this substantial equity, we are now at risk of losing our home due to servicer errors. 

Mr. Cooper failed to apply our Homestead and XXXX ( XXXX ) exemptions, which inflated our monthly escrow by about {$700.00}. 

They could not explain even a {$70.00} property tax increase when asked. 

The loan was sold/serviced 45 times in under a year, and we were never sent required transfer notices, leaving us uncertain where to send payments. 

During this time, scammers impersonating Mr. Cooper targeted us, demanding inflated payments. As XXXX  borrowers, this created confusion and fear. 

We filed a formal Qualified Written Request ( QWR ) and Notice of Error ( NOE ) under RESPA, but the issues have not been corrected. 

Now, a foreclosure auction is scheduled for XX/XX/year>, even though these errors remain unresolved. If allowed to proceed, this wrongful foreclosure would strip us of nearly {$280000.00} in equity caused not by borrower default but by servicer misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems XXXX XX/XX/XXXX date of request of a validation letter Start reporting XX/XX/XXXX Disputed it to credit reporting agency and keeps coming back validated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX fraudulent transactions were made with my capital one credit card here in XXXX XXXX XXXX XXXX until XX/XX/XXXX. 

Someone who found my card was using it to make multiple purchases. 
XXXX XXXX XXXXXXXX XXXX {$8.00} XXXX XXXX {$100.00} XXXX XXXX {$7.00} XXXX XXXX {$43.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX {$20.00} XXXX XXXX XXXX XXXXXXXX {$5.00} After I filed a dispute with Capital One, I filed a police report so they can further investigate. I called each store to let them know someone used a stolen card to make unauthorized purchases at their establishment. 

I get a letter this morning on XX/XX/XXXX stating : After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe you or another account user benefitted from the transactions.

This is unfair because I shouldnt have to pay for charges that I didnt even make. 

I need this fixed so I wont pay extra for unnecessary charges. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I was sent a credit card from current ( Issued by XXXX XXXX XXXX  ), however I never applied for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am submitting to formally dispute inaccurate information listed on my credit report, specifically regarding incorrect addresses that have been mistakenly associated with my credit file. Below are the incorrect details : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Correct Information : Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 609 ( a ) ( 1 ), I have the right to access my credit file and dispute any inaccurate or incomplete information. Furthermore, under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reinvestigation of any disputed information and to remove or correct any inaccurate or unverifiable data within 30 days of receiving a dispute. Because I have no connection to the addresses listed above, I respectfully request that your office conduct a reinvestigation and remove these addresses from my credit file. Please also ensure that no future reporting includes these inaccurate addresses.

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 2025-09-29 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: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items.\n XXXX XXXX XXXX  Original Creditor 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an alleged American Express debt in the amount of {$460.00} ( account ending in XXXX ). I received a letter dated XX/XX/2025, but I dispute this debt and have requested full validation, including the original signed agreement, a complete account history, and documentation proving their legal right to collect. They have not provided the information. I also received a letter from American Express stating they transferred the account, which means XXXX must prove the chain of assignment. I am concerned this debt may be reported inaccurately to the credit bureaus without proper validation, violating the FDCPA and FCRA. I request that CFPB investigate and require validation or removal of any unverified reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and inconsistent reporting of a XXXX XXXX account ( Account # [ last XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my credit reports with Experian, Equifax, and TransUnion. 

Upon review of my XXXX credit report ( dated XX/XX/XXXX ), I identified the following inaccuracies : XXXX. Conflicting Dates of Last Activity : Experian and TransUnion list XX/XX/XXXX, while Equifax lists XX/XX/XXXX. These can not all be correct. 
XXXX. Dispute Status Reporting : Experian indicates the account is disputed under the FCRA, while Equifax and TransUnion state the account is not disputed. This creates confusion and violates my rights under FCRA XXXX ( a ). 
XXXX. Inconsistent Account Status/Descriptions : Experian : Closed / XXXX XXXX XXXX XXXX XXXX 
Equifax : Closed/ Seriously past due / Telephone Companies. 
TransUnion : Closed / XXXX Account. 
These materially conflict with each other. 
XXXX. XXXX XXXX : The account is reported as closed yet continues to show a balance of {$590.00}. A closed account should not simultaneously reflect an active past-due balance unless accurately reported as a third-party collection. 

These inconsistencies violate FCRA XXXX ( b ), which requires consumer reporting agencies to assure maximum possible accuracy, and FCRA XXXX, which requires proper handling of disputes and consistency across reports. 

I am requesting : A reinvestigation of this XXXX XXXX account. 
Correction or permanent removal of this account from all three credit bureaus if the furnisher can not verify accurate, consistent, and lawful reporting. 
Written confirmation of the results within 30 days, as required under FCRA XXXX ( a ) ( XXXX ). 

Enclosed are copies of the relevant credit report excerpts highlighting the errors. 

Thank you for your prompt attention to this matter. Please advise me of the outcome of your investigation.

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 2025-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} 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 2025-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing a complaint against Bank of America regarding a delayed international wire transfer. 
Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Date of transaction : XX/XX/year> Sending bank : Bank of America N.A. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America informed me that the transfer is under investigation, but no written explanation or timeline was provided. My receiving bank has not received the funds. 

I already contacted both Bank of America and XXXX XXXX, but after more than XXXX business days I still have no resolution. This situation causes me serious financial hardship. 

I kindly request CFPBs intervention to require Bank of America to provide a clear explanation and expedite the release of my funds.

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