vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 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:
While reviewing my credit report as I normally do, I unexpectedly noticed some discrepancies. I attempted to refresh my browser thinking it might be a temporary glitch, but the inaccurate accounts remained visible. Given this situation, I kindly ask that the documents I submitted be carefully reviewed so I no longer have to stress about this.

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 2025-07-18 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( 15 U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My wife, XXXX XXXX and I applied for an apartment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. I was approved but told I needed to pay an additional deposit based on my credit, and my wife was rejected. Cobalt has not provided information about the XXXX screening company used to vet our applications, as required on CFBPs website at https : XXXX When we followed up, they said this information was sent to my wife, even though I was also impacted by a credit screening. Neither of us have been provided the full information laid out on CFPBs website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
b'I am submitting this complaint regarding a serious financial issue involving Achieve Loans, with whom I initiated a HELOC (Home Equity Line of Credit). I was approved for XXXX, of which XXXX was to be distributed by Achieve directly to my designated creditors, and XXXX was disbursed to me personally. While most of the payments were processed correctly, a critical error occurred with the largest disbursement, which was intended for XXXX XXXX XXXX to pay off my auto loan in the amount of XXXX. I provided Achieve Loans with all required and accurate informationincluding the creditor name, auto loan account number, payoff amount, and official payoff address. Despite this, Achieve erroneously sent the XXXX  payment to an entirely unrelated entity named XXXX XXXX, with whom I have no affiliation whatsoever. This transaction was initiated on XXXX XXXX and posted to XXXX  system on XXXX XXXX. Since then, I have received no satisfactory explanation for how such a misallocation occurred. Communication has been limited, primarily via email, and I have been told that it may take up to XXXX  days for recovery, during which time I remain in financial limbo. I am now effectively without XXXX, still owe on my vehicle, and have not received a definitive resolution or corrective timeline. This experience has caused significant stress, placed the burden of the institutions mistake entirely on me, and constitutes a clear case of fund misappropriation and customer neglect. I respectfully request urgent investigation and assistance from the CFPB to resolve this matter and to prevent further damage.\n\nFurthermore,  instead of treating me with dignity and respect, my situation with urgency here is an example of the management: \n\nFrom: XXXX XXXX \nSent: XXXX XXXX XXXX XXXX XXXX XXXXnTo: Post Closing ; XXXX XXXX ; Home_Loan_Escalations \nSubject: RE: XXXX XXXX XXXX\n\n \n\nThank You. What is the update?  in case he calls me back so were on the same page. LOL  Appreciate it.\n\n \n\nSincerely,\n\n \n\XXXX XXXX\nMortgage Advisor Manager, Achieve Loans\n\nDirect: XXXX XXXX\nToll Free: XXXX XXXX Fax: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX\n\n She said LOL. There is nothing funny about this. This company is out of control and does not care about the  people whom they are supposed to serve. \n\nI am also requesting XXXX  in damages due to the additional car notes that have to be paid while awaiting for Achieve Loans to correct the issue.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-18 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
I did a reservation for a hotel ( XXXX XXXX XXXXXXXX TN ) as my family and I was passing through. XXXX  XXXX could not honor our reservation. As it was for only two people. I noticed an hour later that my checking account was charged {$68.00}. I immediately notified Chime of the unauthorized charge and filed a dispute with Chime to remedy the situation and Chime denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Over XXXX years ago, I took a XXXX loan with affirm to buy my XXXX  XXXX pro XXXX, which is my only phone i use currently. I remember paying that loan off in full, I also had autopay on so there would be no issue. I am gainfully employed and have/had the income to pay it. Now, beginning a bit over a month ago, I started receiving emails from affirm stating I still have a balance of {$71.00}, and they are attempting to collect payments of {$35.00} and are about to hit me with delinquency on my credit score. THESE EMAILS CAME OVER XXXX YEARS AFTER, I haven't used affirm since. Plus I had autopay on. 
I can't access my account either. I try signing on with my email ( the one receiving the affirm emails ) and my phone number- no account exists. I try signing on with my email and old phone number, it asks for more info, starting with my social security number. I put in my SSN and it says INCORRECT INFORMATION. This gives me major concern that whatever this XXXX years late charge is, is totally fraudulent, and as of the time I write this ticket, I have fallen from a XXXX XXXX score ( fico ) to XXXX. 
I have no means to access my account to examine what is going on, my information is being flagged as incorrect, and multiple attempts at rectifying this with affirm support have come up fruitless, as they just talk me in circles asking for the same info with no solution. they give me the run around, pretend they helped, and say have a good day and hang up. 
My credit has taken a XXXX point dive because of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
In early XXXX, I discovered that a negative item was being reported on my credit file without proper notice or verification. I immediately contacted the company involved and submitted a formal dispute requesting validation of the account in question. Despite my requests, the company failed to provide any original documentationsuch as a signed contract or billing recordsto prove that the debt was valid and legally attributable to me. 

I submitted follow-up disputes and even sent certified letters, but the company either failed to respond or provided generic account summaries, which do not constitute legal validation under the Fair Debt Collection Practices Act ( FDCPA ). Meanwhile, the negative account continued to damage my credit profile. 

Additionally, I noticed hard inquiries on my report that I did not authorize. I contacted the company regarding the inquiries and again received no proof of consent or any explanation justifying their presence on my credit report. These actions violate both the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

To date, no meaningful resolution has been offered. I am filing this complaint because I have exhausted all reasonable channels and expect the company to be held accountable for failing to comply with federal 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 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Text message saying I must contact immediately because they are the debt collector s and to press the link which also had phone number so I called instead.I told her I already took care of that bill months ago she stated I owe more she wanted my credit info and payment of {$410.00} .She gave me a bogus account number and when I asked for more info she got angry. She also gave me my own phone number when I asked for her number and there. I said you sure thats your call back she said yes .Then I said thats weird thats my number too and then she said XXXX and said she needed to look it up she forgot. I hung up and called the billing department of the hospital I went to and they confirmed my account was XXXX and the info that lady gave me was all false.The person from the hospital then gave me your contact information.Please stop them from taking our money.The bad lady said she worked for PFC she had a XXXX accent and you could hear chickens and other people in the background noise, again the number was XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NVR INC.
State: VA

Complaint narrative:
I participated in a teleconference with XXXX, XXXX, and the NVR loan officer/XXXX  XXXX XXXX I informed the company that I had been requested for a divorce, which would prevent us from moving forward with the VA loan. The loan company indicated that I could qualify for the loan independently. The options presented included renting out my current home for a year and finalizing the new loan, noting that the loan could go into default if the borrower fails to appear, or closing on the new construction and then selling. Regardless of the option chosen, I was told i am unable to exit the contract, and I would not receive any of my earnest money deposit in any scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan TypeCREDIT CARD Balance {$11000.00} Date XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan XXXX XXXX XXXX XXXX  Balance {$7300.00} Date XXXX Last Payment XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$6000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan XXXX XXXX XXXX XXXX  Balance {$7200.00} Date XXXX Last Payment XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$6000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

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 an 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