vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is 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 This information is incorrect because it does not belong to me or it is outdated.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Compensation Regarding Affirm Account Reporting Violations To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the inaccurate and unjust reporting of a debt by Affirm on my consumer credit report. The details of the reported account are as follows : Account Number : XXXX Account Type : Installment ( Unsecured Loan ) Date Opened : XX/XX/XXXX High Credit : {$1000.00} Balance : {$1200.00} Payment Status : Charge-off Date Last Active : XX/XX/XXXX Date Last Reported : XX/XX/XXXX I am disputing this account 's reporting for the following reasons : 1. Violation of 26 U.S. Code 6050P - Failure to Issue Form 1099-C Affirm reported this account as a charge-off. According to 26 U.S. Code 6050P, any lender that discharges a debt of {$600.00} or more must file a Form 1099-C with the IRS and provide a copy to the debtor. This form notifies the debtor that the forgiven or canceled debt is considered taxable income.

By failing to issue me a 1099-C, Affirm has violated my rights under this statute. According to the IRS guidelines, creditors are required to send this form by XX/XX/XXXX of the year following the cancellation of debt. I never received this required documentation, which is a clear violation of federal tax law. 

XXXX. Violation of 15 U.S. Code 1681b - Unauthorized Disclosure of My Information Affirms report indicates that this account has been charged off, which suggests my information may have been transferred to a third party. Under 15 U.S. Code 1681b, a creditor must have permissible purpose and my written consent to share my private financial information with any third-party entity. I never authorized this action, making this a direct violation of the Fair Credit Reporting Act ( FCRA ).

3. Violation of My Cease and Desist Request I previously submitted a Cease and Desist request instructing Affirm to halt all communications and unauthorized sharing of my personal information. Despite this clear request, Affirm continued to disclose my private information in violation of both the FCRA and consumer protection laws enforced by the Federal Trade Commission ( FTC ). 

XXXX. Defamation and Financial Harm Affirms wrongful reporting has resulted in significant financial hardship for my family and me. By misrepresenting my financial standing, Affirm has unjustly defamed my character, further damaging my creditworthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Land Collections, Inc.
State: IN

Complaint narrative:
I called the company on Friday XXXX XXXX because I noticed a collections was reported on my credit report causing my score to drop significantly. They told me that they can not remove it and that they sent me something in the mail on XXXX XXXX. I never received it and they had made no other attempts to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am filing this complaint against Experian for their continued violations of the Fair Credit Reporting Act ( FCRA ), failure to follow reasonable procedures, and refusal to properly address my dispute. Despite my previous attempt to resolve this matter privately, Experian has failed to take corrective action, leaving me no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ).

As a federally protected consumer, I am fully aware of my rights to privacy under 15 U.S.C. 1681a ( 4 ) and my rights under 15 U.S.C. 1681b ( 2 ), which clearly states that a consumer report may only be furnished with the written authorization of the consumer. I DID NOT provide Experian with written authorization to report the XXXX XXXX  account ( Account Number : XXXX ), which means Experian is reporting this account without a permissible purpose, in direct violation of federal law. 

Additionally, Experians actions demonstrate willful and negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 15 U.S.C. 1681o. Instead of properly investigating my dispute, Experian has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Furthermore, I demand that no AI verification through the E-OSCAR system be used in handling this dispute, as it does not constitute a reasonable investigation.

As a direct result of Experians reckless reporting and failure to correct this inaccurate information, I have suffered severe financial and emotional distress. I am unable to secure a mortgage for my family due to this erroneous entry, leaving us in an unstable housing situation. This constitutes actual damages, and under 15 U.S.C. 1681n, Experian is liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages for willful misconduct. 

I am formally demanding that Experian immediately delete the XXXX XXXX  account from my credit report and provide me with written confirmation and an updated copy of my corrected report within 14 days. If Experian fails to comply, I will have no choice but to seek legal counsel and pursue full monetary damages under the FCRA, including for defamation of character and emotional distress. 

I urge the CFPB to take immediate action to enforce XXXX compliance with federal consumer protection laws and hold them accountable for these violations.

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 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: WY

Complaint narrative:
I am filing this complaint concerning the unauthorized and unlawful reporting of revolving balances, installment loans, and mortgage information by multiple furnishers across all three major credit reporting agencies Experian, XXXX, and XXXX. 

The accounts in question are listed below : Revolving Credit Lines ( Reported by All XXXX Bureaus ) : 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 Mortgage AccounXXXX XXXX XXXX XXXX  The information reported consists solely of transactions and experiences between myself and the creditors, and thus is excluded from the definition of a consumer report under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). As such, these balances and related data should not be reported to or by any consumer reporting agency.

Furthermore, I did not authorize the reporting of this internal transactional data using my personal consumer file or Social Security number. The use of my SSN to transmit this excluded information to third-party reporting agencies constitutes a violation of the permissible purpose requirements under 15 U.S.C. 1681b.

I am therefore requesting : The immediate deletion of all revolving balances, installment loan balances, and mortgage reporting listed above from all three bureaus Experian, TransUnion, and Equifax. 

A full investigation and documentation of how this excluded information was furnished using my identity, without proper authorization. 

I reserve all rights under the FCRA to pursue further action if these unauthorized and unlawful data furnishings are not corrected.

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 2025-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a one-time payment on the Freedom Mortgage website using our new XXXX checking account, as ouXXXX XXXX XXXX XXXX XXXX XXXX  account had been closed. Freedom Mortgage processed this payment from our bank account, which I have documented in a statement, but it has not yet been applied to our loan. I have reached out to them multiple times regarding this issue, and I have encountered unprofessional behavior, with representatives accusing me of not making the payment. On XX/XX/XXXX, I sent the XXXX XXXX  statement to XXXX XXXX, a Customer Satisfaction Ambassador ( email : XXXX XXXX XXXX ), who confirmed that she acknowledged the payment was drafted from Freedom Mortgage on XX/XX/XXXX. However, the payment remains unapplied to our mortgage. 

I am aware that I am currently XXXX payment behind, which I was planning to address this month and next due to family XXXX XXXX XXXXnd I can provide documentation if necessary. However, I am only 21 days past due. Additionally, today an unidentified individual came to my home, taking pictures and speaking with my son without presenting any identification or business card. 

If my payment is not credited to our current loan, which has remained unresolved for nearly XXXX years, I will explore the option of consulting with an attorney. Due to this situation, we are unable to refinance or secure vehicle loans, as they have reported to credit bureaus that we are 30 days behind on our mortgage, despite my evidence of payment. It raises concerns about either mishandling of funds or a lack of willingness to resolve the issue on their part. Dealing with this company has been extremely challenging since we initiated our refinancing with them in 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 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYST regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : JEFFERSON CAPITAL SYST Account Number/Reference XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFERSON CAPITAL SYST, buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have a saving account as well as XXXX CDs with goldman sachs. Around few days ago my account got compromised and someone tried to transfer money out of the account which I immediately reported it and they were able to successfully reversed the transaction. After this happened, I requested to update all my information and reset the password which i already did and i logged back into the account, then I added my own bank account which was a moneylion pathward account ending in XXXX and requested a closure of both my CDs and requested the funds to be transferred to this account. I also called and confirmed with the security department multiple times to make sure this transfer will go through and they assured me the funds will be send to my bank but it actually never did. They kept blocking my account and reviewing it and after so many contacts, seems like they are not being able to resolve this issue and I can take my money out to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MOHELA
State: PA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal is providing incorrect information to the credit bureaus about late payments being made and my account is not late. It is current and this is causing a huge problem with my score because they're fraudulently reporting false information to the bureas and my score has dropped XXXX points. Navy Fed is reporting my credit card was paid 30 days late in XXXX, 60 days late in XXXX and 30 days late in XXXX. My account is current and it is XX/XX/XXXX of 2025. How is it that when the month of XXXX isnt even over an account can be reported 30 days late? In the past, I have paid my account a few days past the due date which is on the XXXX of each month and each time more than the amount due was paid. Even though it was only a few days late, Navy Fed CU is reporting the account 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
i noticed my XXXX XXXX  wasnt working due to not paying the monthly subscription so checked my cash app account to see an XXXX XXXX  charged the same amount as my subscription so i call XXXX and say i did pay and when i told them it read XXXX bill and it went through cash app they told me to call XXXX and cash app because my charges should only say XXXX. i updated my card on my XXXX account and was charged but it read XXXX not XXXX XXXX. i also notice random transactions that i didnt make that are small amounts sometimes from random sites. its just very little things i notice within my transactions that arent being detected by cash app themselves. also my card info or account just always getting breached, ive gone through about maybe XXXX cards due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: UT

Complaint narrative:
I was accused of a handful or serious driving offenses but they were dismissed. I would otherwise be able to renew my insurance policy if the incorrect information was not being given out by Lexis Nexis.

Company response to consumer: Closed with explanation