vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
I WAS NEVER LATE! MY HUSBAND AND I WENT ROUNDS AND ROUNDS BACK AND FORTH WITH THE BRANCH XXXX XXXX XXXX AND THE CORPORATE HEADQUARTERS CUSTOMER SERVICE DIVISION ( WHICH ARE CLAIMED TO BE SEPARATE WITHIN THE COMPANY AND ONE CAN NOT SEE THE OTHERS NOTES NOR HAVE THE ABILITY TO CORRECT OR INFLUENCE EACH OTHER WITHIN THE SAME COMPANY... MAKES NO SENSE IN THIS MODERN ERA ). IN EITHER CASE NEITHER BRANCH NOR THE CUSTOMER SERVICE DIVISION COULD FIX THE ISSUE AND STATED IT'S BEST TO TAKE IT UP WITH THE XXXX CREDIT BUREAUS TO FIX " MISTAKE ''. BOTTOM LINE IS THE LATE PAYMENT SHOWING IN XX/XX/XXXX IS FALSE. 

I have included in my packet of information to support the claim that Late Payment showing on my Consumer Credit Bureaus : XXXX XXXX XXXX XXXX is FALSE! I wrote a detailed explanation via email to the Branch XXXX XXXX Location in XXXX, Florida ( XXXX XXXX ) where I live, on XX/XX/XXXX. 

My " deep concern and somewhat angst '' over the " late payment '' on the XXXX Mortgage Line of Credit that showed XX/XX/XXXX payment as being late, was NOT due to the fact that we did not have the money. As you will see as proof in the STATEMENTS from Checking and Savings for both XXXX ( my husband ) and myself, we as the owners of this loan, had PLENTY of money to cover the note. In fact, there has NEVER been an issue. The issue was lack of communication with the bank branch level when we were supposed to be connected to overdraft or auto pull from savings and peripheral accounts where our additional monies are held outside of the LOAN ACCT for payments. 

Also in early XXXX of XXXX, on a separate visit my husband XXXX and I went into the local XXXX branch and spoke to an employee and specifically asked if we could check the levels on our accounts to make sure there was plenty to cover the XXXX Mortgage Payment account ending XXXX, and we were told Yes, more than enough! So then all of the sudden the money is there in my checking account ending in XXXX and then also XXXX ending in XXXX. 

Additionally, we have NEVER been late since the inception of the XXXX Mortgage Loan, and when you look at XXXX and my personal credit reports, we have NEVER missed any payments to any creditor or obligations we hold in XXXX years! 
We are asking respectfully to remove these late marks from both mine and XXXX consumer credit reports at all XXXX ( XXXX ) credit bureaus : XXXX XXXX XXXX XXXX. PLEASE SEE ALL DOCUMENTS PROVIDED TO SUPPORT THIS CLAIM. 
Thank you!, 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 2025-06-01 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: American First Finance, Inc.
State: CO

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Netlnet 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a charged-off account with a balance of {$1400.00} on my Equifax report XXXX However, there is no payment history, no late payment records, and no breakdown of how this amount accrued. Equifax shows the account as closed and 3 years, 7 months old, but provides no data to support the charge-off status. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) which requires credit information to be complete and accurate. Additionally, no monthly payment breakdown or historical delinquency entries are visible. 

Supporting evidence : I have screenshots showing : A charged-off balance with no payment or delinquency history Missing last payment details No data returned for payment history under Equifaxs own report Please investigate and take action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
In XXXX, XXXX XXXX charged off a loan account but continued to report an increasing balance that exceeds the original loan amount. As of XX/XX/XXXX, the account is marked closed, but it still reports a charge-off/profit loss status with a {$5700.00} balancedespite the highest balance ever reported being {$4200.00}. This is materially inaccurate and misleading. 

The charge-off date should be tied to the original delinquency and not re-aged to extend negative reporting, which violates the Fair Credit Reporting Act ( FCRA ) 1681c ( a ) ( 4 ). I dispute the reporting and requested correction or deletion due to the inaccuracy, but the company has failed to reasonably investigate or resolve the matter. Their continued reporting violates FCRA 1681e ( b ) and 1681s-2 ( b ).

This inaccurate tradeline has harmed my credit score, interfered with my ability to secure credit, and led to higher interest rates. I am requesting a formal investigation and permanent correction or deletion of the inaccurate tradeline.

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 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I had a case with you previously with credit management ( it was a charge off ) They responded said they would delete it off my report and has now has added it back on.If you look in my file from you you can see the letter from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
In XXXX, I was sold a water filtration system by a company called XXXX XXXX. The product was sold at a highly inflated price compared to the market value, and the sales tactics were misleading. XXXX XXXX handled the financing directly through Aqua Finance, a company with whom they work closely and which appears to be under the same ownership or control. 

I was not given other financing XXXX XXXX managed the entire process and arranged financing directly with Aqua Finance. The interest rates were extremely high, and despite making monthly payments, my balance never decreased. Payments were applied almost entirely to interest, not principal. 

In XX/XX/XXXX, I stopped making payments due to the abusive and deceptive terms. In XX/XX/XXXX, the debt was sent to collectionsstill with Aqua Finance. Since then, they have continued reporting the account negatively and aggressively to the credit bureaus, constantly damaging my credit as if the debt were newly delinquent, even though nearly two years have passed.

I contacted Aqua Finance in an attempt to explain the situation and resolve it, but I received no response. 

I later found that the Federal Trade Commission ( FTC ) has taken action against Aqua Finance for the same deceptive practices I experienced. According to the FTC, Aqua Finance and its dealers used misleading teaser rates and deceptive financing tactics that caused unexpected and unaffordable debt for many consumers. The FTCs complaint also revealed that Aqua Finance knowingly allowed these deceptive sales to continue and failed to intervene, despite receiving many complaints over the years. 

The settlement includes {$20.00} XXXX in refunds and {$23.00} XXXX in loan forgiveness for affected consumers. It also acknowledges that Aqua Finances dealers misled consumers about the terms of financing for water filtration systems, sold defective or overpriced systems, and caused serious harm to consumer credit. 

I am requesting a full investigation, cancellation of this abusive debt, removal of the negative credit reporting, and inclusion in any restitution process related to the FTCs settlement with Aqua Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request the removal of student loan accounts from my credit report that are legally required to be discharged due to my status as a veteran with a VA-determined Total and Permanent Disability ( TPD ).

I have received a formal determination from the U.S. Department of Veterans Affairs confirming that I am totally and permanently XXXX and unemployable due to service-connected conditions. 

Legal Grounds : Under the Higher Education Act and regulations established by the U.S. Department of Education, a veteran whose TPD status is verified by the VA is automatically eligible for the discharge of federal student loans.

Per 34 C.F.R. 685.213, and as supported by the Fair Credit Reporting Act ( FCRA ) 605 and 611, no discharged federal student loan account should continue to be reported as active, charged-off, delinquent, or past due.

Despite this, my credit report continues to reflect these loan accounts inaccurately, which violates federal credit reporting regulations and causes undue harm to me as a XXXX veteran. 

I am requesting that the CFPB : 1. Assist in the removal of all XXXX federal student loans from my credit file. 
2. Ensure that credit reporting agencies are properly updating my file according to VA-based discharge provisions.

3. Investigate why these accounts remain and direct the relevant data furnishers ( loan servicers or agencies ) to correct the records.

Attached Documents : Copy of my VA Total and Permanent Disability Determination Letter Copy of Disability Discharge confirmation ( if applicable ) Government-issued ID Proof of address I appreciate your help in enforcing my rights under federal law and request a prompt resolution to ensure these inaccurate loan records are permanently removed.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Synovus Progressive Credit card, I got his card in XXXX, and it was paid off but they continued to say that was late fees for XXXX on my credit report, and that was incorrect. It bowed closed and XXXX but also still showed last payment XXXX which wasnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DISCOVER BANK
State: CO

Complaint narrative:
I submitted a request for a balance transfer from my XXXX card ending in XXXX to " Discover XXXX '' card through the Discover mobile app. The app has no features that make sure the correct information is submitted such as asking for the card or account holders name, address, zip code, or double typing the card information. Discover themselves also stated they do not try to verify the card or account information is correct. The information was sent to the wrong account, it was sent to an account ending in XXXX, and instead of my account receiving the {$1000.00} it was put into some random persons account and Discover stated they will not do anything to dispute the transaction that was sent to the wrong account and to contact XXXX. XXXX said cant find the information since it never posted to my account. 

Discover is the ONLY bank I know of that doesnt have some kind of method implemented to make sure the correct account is billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Round 2 Dispute Demand to Update Accounts as Paid Never Late Under FCRA Sections 602, 607, 611, and 623 I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my Experian Equifax and Transunion credit report. Despite successfully resolving this issue with TransUnion and Equifax, Experian has failed to accurately update these accounts in accordance with Metro 2 standards, which mandate consistent, accurate, and complete reporting across all bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late. The accounts in question have never been late, yet derogatory information or coding has been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: SC

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : AXXXX 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  These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-06-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple unauthorized hard inquiries that appear on my credit report. I did not apply for credit or authorize these entities to access my credit file, yet hard inquiries from the following companies have been reported : These inquiries are negatively impacting my credit score and were not made with my consent. I have contacted the credit bureaus and the companies listed, but I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that are authorized by the consumer or made in connection with a legitimate business transaction should appear on a consumers credit file.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
Im a victim of identity theft and several credit cards were opened in my name around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another American Express, XXXX account was hacked, a XXXX account was created and my personal bank account hacked, XXXX refuses to remove the hard inquiry in XX/XX/XXXXXXXX XXXX  and American Express refuses to remove the credit card fraudulently opened and is harassing me and threatening me to pay them. XXXX refuses to give me back my money that was withdrawn from my bank account, a planet fitness account was opened. Im being harassed terribly by American Express, plant fitness and XXXX as my oldest credit report should be an old XXXX account in XXXX of XXXX. I filed an ftc report XXXX. I should have no hard inquiries, my oldest account should reflect from XX/XX/XXXX and recent account Bridgecrest for truck loan. My credit is ruined and Im being threatened. Please make American Express stop threatening me as I was a victim of identity theft and several breaches, most current breach XXXX XXXX. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
I noticed that my credit report contains two addresses that do not belong to me, and my correct address is not listed. I want to make it clear that those addresses are not mine, and I request that they be removed from my credit reports. I have asked for this before and it has not been done. I am also requesting that my correct address be added, which I will include in a letter with instructions and send to Experian.

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