vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following accounts that appear on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Status : Account charged off. {$6700.00} written off. {$6400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Status : Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 

XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. ( Still showing as under dispute ) AFFIRM INC Date Opened : XX/XX/XXXX Balance : {$630.00} Status : Account charged off. {$630.00} written off. {$630.00} past due as of XX/XX/XXXX. 

These accounts were never opened or authorized by me. They are fraudulent and must be removed. 

Failure to Resolve Within 30 Days : By law, disputes must be resolved within 30 days under FCRA 611 ( 15 U.S.C. 1681i ). These accounts remain marked Under Dispute well beyond the 30-day investigation window. Since no resolution or verification has been provided within the required timeframe, you are now legally obligated to remove these items from my credit report. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and delete these fraudulent items.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification. This includes : Full documentation Signed agreements Any evidence that proves I authorized these accounts If no such verification can be produced, the accounts must be permanently removed.

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation : I have attached the following : A copy of my identity theft report ( police report or FTC affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill ) Requested Actions : Immediate removal of all fraudulent accounts and inquiries. 

Debt verification from furnishers for each disputed account. 

Written confirmation that the items have been deleted. 

Proof that the furnishers have been notified to cease reporting. 

A new copy of my credit report reflecting all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Filed dispute with XXXX, they came back within 48 hrs that it remains. Heres the problem, I was never provided anything from either of these 3rd party, Notice, verification, purchasing agreement, verifying their accuracy, I was given nothing! Also, XXXX never provided any information, except they would be handing the debt off to a collector this debt definitely is disputed I was provided fraudulent information from the sign up of their offering and it is documented, I also just responded to one of their emails ( included ) about this very debt from XXXX, apparently they placed this on my credit months ago but just reached out to me on XX/XX/year> via email and I responded, im sure this violates FCRA rules and activates statutory implications against 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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, a total of {$800.00} was transferred out of my PayPal balance to a bank account ending in XXXX. I did not authorize this transfer and I do not recognize or own that bank account. This was not a purchase or payment to a merchantit was a manual withdrawal to an unknown bank. 

I immediately reported the transaction to PayPal as unauthorized activity, but they denied my claim, stating it was consistent with my payment history. This is completely inaccurate. I have never used or added that bank to my PayPal account. The transfer was clearly made by someone who gained unauthorized access. 

I appealed the case ( Case ID : XXXX ) and was denied again with the same generic response. I also requested further information about how the transfer was authorized and how that account was linkedPayPal has not provided any real explanation or evidence. 

This situation is causing significant financial stress, and PayPal has failed to protect my funds or conduct a proper investigation. Im requesting a full refund of {$800.00} and a formal review of this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened an " essential checking account '' back on XX/XX/XXXX. I still have my original marketing documentation from 5th third on what an essential checking account meant. It noted " No monthly service charge if you maintain a monthly average balance of {$1500.00} across your checking and savings accounts. '' It then noted " otherwise, it's a {$11.00} per month. '' A dormant fee was never noted in this marketing material they gave me or explained to me at the time of opening this account. I had put {$1500.00} in the account at that time and meant not to touch that money. I had not received any banking statements via mail or via email for years. My address has not changed nor my email address from when I opened the checking account. I still receive emails to this day from 5th 3rd bank but never once did I get any statement or notice of my account being dormant/dormant charges being applied or to notify me that due to the dormancy charges my account now is below the {$1500.00} minimum. Therefore I was receiving the XXXX XXXX monthly service and a {$5.00} dormant charge monthly. 
When I went to close this account I found out to my surprise there were years worth of dormant and service charges. They then only said they would waive 90 days of charges which is not even right. I looked at my statements and 90 days worth should have been a total of {$33.00} ( {$11.00} XXXX ) and they instead reimbursed me {$26.00} ( {$11.00} for XX/XX/XXXX and {$4.00} and {$11.00} for the date of XX/XX/XXXX ). 

I voiced when I met with the banker and I had also escalated to the bank manager that these were excessive fees for years and I was not receiving proper notice. I had not received my bank statements for years and was not alerted of any fees being assessed on my account. Also, why weren't these dormant fees explained up front when I opened the checking account. This is a deceptive banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX  XXXX XXXX CIT-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX  XXXX XXXX CIT-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I am submitting this complaint against all three national credit bureaus for willfully continuing to report inaccurate, unverifiable, and unauthorized derogatory information on my credit file. I have submitted disputes directly to Experian, Equifax, and TransUnion regarding the following accounts : XXXX XXXX * * ( TransUnion ) * * XXXX XXXX XXXX XXXX XXXX ( Experian, Equifax, TransUnion ) * * XXXX XXXX XXXX XXXX * * ( Experian, TransUnion ) * * Despite providing formal notice and legal dispute under the Fair Credit Reporting Act ( FCRA ), these bureaus continue to report these accounts without lawful justification, complete validation, or any consumer-signed authorization. 

Detailed Violations : Failure to Investigate ( FCRA 611 ) : All three bureaus failed to conduct a lawful reinvestigation after receiving my dispute. No documentation was provided, and the accounts remain unchanged despite material factual inconsistencies. 

Furnishing Inaccurate and Conflicting Data ( FCRA 1681e ( b ) ) : The XXXX XXXX  account shows contradictory data across the three bureaus. XXXX and XXXX both report incomplete or fabricated information that fails Metro 2 standardization. 

No Permissible Purpose ( FCRA 1681b ) : No authorization exists for XXXX or XXXX XXXX to report on my file. There is no signed application, service agreement, or account validation. 

Failure to Suppress Compromised Data ( FCRA 1681c-2 ) : I am a documented victim of the Equifax Data Breach , which resulted in the exposure of my private information. Furnishing or maintaining unverifiable or unauthorized negative data under these circumstances is grossly negligent.

Refusal to Verify Under 609 ( a ) ( 1 ) : No valid verification documents were provided. I requested contracts, itemized billing, and lawful authority to reportall of which were ignored or denied.

Willful Non-Compliance ( FCRA 1681n ) : Continued furnishing of disputed and unverifiable data without taking corrective action constitutes intentional non-compliance. The bureaus are aware of the errors and have not acted. 

These agencies are in violation : - 15 U.S.C 1681 602 ( a ) : I have the right to privacy.

- 15 U.S.C 1681 604 ( a ) ( 2 ) : No account may be furnished without my written instructions.

- 15 U.S.C 1681c ( a ) ( 5 ) : No consumer report may include adverse information older than seven years, excluding criminal convictions.

- 15 U.S.C 1681s-2 ( a ) ( 1 ) : A furnisher must not report any data it knowsor should reasonably knowis inaccurate. 

Please review the attached dispute letters and FTC complaint filing submitted as supporting documentation for this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
To whom it may concern, I signed up a mortgage loan on XX/XX/year> for purchasing my current home, and it has been approved since then. The mortgage company was XXXX XXXX XXXX XXXX XXXX. A few years later, my mortgage loan was transferrer to another mortgage company, but I did not recall the name of the company. I only received a notice letter in the mail stating that my mortgage was transferred to another mortgage company ; in fact, this transfer took place without my consent. At that time, I still sent the monthly payment to the new mortgage company as usual. Then, my mortgage loan has been transferred to another mortgage company again a few years later, and the mortgage company is Freedom Mortgage. This time, I also received a notice letter in the mail from the mortgage companies stating that my mortgage loan has been transferred. I acknowledge this notice, but the mortgage transfer happened without my consent. I've recently read the legal concern about mortgage loan, and I understand that mortgage transfer often happens during the lifetime of a mortgage loan ; it is a common practice in the mortgage industry. However, I find it illegal in the way that my personal information as well as my finance information was exposed to others without my consent. My account information kept sending to other mortgage companies without my agreement. I have not signed any new contract with the new mortgage companies. I have not seen my contract agreement with Freedom Mortgage.

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 2025-06-28 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: NV

Complaint narrative:
Request to Block Fraudulent Information under 15 U.S.C. & 1681c-2 ( Identity Theft ) Dear Equifax, Experian and Transunion I am contacting in pursuant to 15 U.S.C * 1681 c-2 of the Fair Credit Reporting Act to formally request the IMMEDIATE blocking and removal of all fraudulent information resulting from Identity theft that appears in my credit report.

I am a victim of Identity theft. and I have included the following documents A copy of the FTC Identity theft report.

Copy of photo ID also showing current and valid address.

A copy of a bill. A list of all the fraudulent accounts on my report.

A POLICE report is not REQUIRED and I demand deletion within 4 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts mentioned above were opened and used fraudulently without my knowledge or consent. Again in accordance to 15 U.S.C 1681 c-2 I am demanding you block all this information from my credit report within 4 business days of receiving this request.

Please confirm in writing that these items have been blocked and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NV

Complaint narrative:
Request to Block Fraudulent Information under 15 U.S.C. & 1681c-2 ( Identity Theft ) Dear Equifax, Experian and Transunion I am contacting in pursuant to 15 U.S.C * 1681 c-2 of the Fair Credit Reporting Act to formally request the IMMEDIATE blocking and removal of all fraudulent information resulting from Identity theft that appears in my credit report.

I am a victim of Identity theft. and I have included the following documents A copy of the FTC Identity theft report.

Copy of photo ID also showing current and valid address.

A copy of a bill. A list of all the fraudulent accounts on my report.

A POLICE report is not REQUIRED and I demand deletion within 4 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts mentioned above were opened and used fraudulently without my knowledge or consent. Again in accordance to 15 U.S.C 1681 c-2 I am demanding you block all this information from my credit report within 4 business days of receiving this request.

Please confirm in writing that these items have been blocked and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Violations : Accuracy : 15 USC 1681e ( b ) 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) As of today, XX/XX/year>, my account has been completely paid off ; however, my credit report still inaccurately reflects an over-limit balance. This erroneous detail is unjustly affecting my credit profile by suggesting I have exceeded my credit limit, which is not the case. Such misreporting can have serious implications, including impacting my ability to secure favorable interest rates or new credit opportunities, so it is imperative that it be corrected promptly. I have a copy of my bank receipt, which serves as proof of payment, and also SYNCB/Car Care XXXX XXXX XXXXXXXX showing {$0.00} balance, confirming that the outstanding balance was cleared in its entirety. With this evidence, there is no valid reason for the current inaccurate reporting to continue. 
Therefore, I am requesting that SYNCB/Car Care XXXX XXXX take immediate action to update my credit file, ensuring it accurately reflects my financial status as paid in full. Due to the urgency of rectifying this matter, I also request a rapid rescore of my credit report. This will help ensure that my credit score and report uniformly represent my true financial standing and facilitate any upcoming financial activities I may engage in.

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 2025-06-28 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below, has violated my rights. 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 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