vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-20 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: AL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report. Please review these items for discrepancies or inaccuracies. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$620.00} XXXX XXXX XXXX, XX/XX/XXXX, {$5200.00} INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am submitting this dispute regarding the following accounts on my credit report with Equifax, which I believe are inaccurately reported as charged-off. I respectfully request that these items be thoroughly investigated for accuracy, as they do not reflect the true status of these accounts. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Disputed Issue : Charged-off status not accurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} Inquiries : XXXX Date Reported : XX/XX/XXXX XXXX Date Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted Capital One on XX/XX/year> to inform the that I had filed for bankruptcy. I then requested for the charges off account to be removed from my list of account. I was pressed by the company to still pay for the debt that was included in the bankruptcy, although it has been sold to a different company. I was then threatened to be sued for the amount that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Valon Technologies, Inc.
State: CO

Complaint narrative:
My mortgage servicer, Valon Mortgage, approved my loan deferral in writing in XX/XX/year>. I signed all required documents and their online portal updated to show that no payment was due on XX/XX/XXXX and that my next payment would be due on XX/XX/XXXX. I have screenshots confirming this. 

In XXXX and XXXX, I attempted multiple times to make a payment. Valon refused to accept the payment, stating at different times that the system was down or that payments could only be applied to the full alleged delinquency amount and not to the XXXX payment displayed on their own portal. Prior to signing the deferral, I was told that making payments would not affect my review and that I should continue the forbearance until I reached the delinquency level they required. 

In XXXX 2025, my account status suddenly changed to show 7 months past due with over {$15000.00} due on XX/XX/XXXX. This directly contradicts the written approval and the system information I relied on. I was verbally told that the deferral was canceled by the investor ( XXXX XXXX ), but I was never sent any written notice explaining a denial, cancellation, reason for the decision, appeal rights, or any documentation. Regulation X requires written communication for all loss-mitigation decisions. 

Valons representatives provided contradictory and misleading information, instructed me into further delinquency, refused payments when I attempted to make them, and altered my account status without any written notice. This has caused significant harm and appears to violate multiple provisions of RESPA and Regulation X, including inaccurate information maintenance, failure to provide required notices, mishandling of payments, and improper treatment of a finalized loss-mitigation agreement. 

I have submitted a formal Notice of Error and Request for Information under 12 CFR 1024.35 and 1024.36.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I contacted Affirm regarding my account. During this call, a representative offered a payment deferment, which I clearly and explicitly declined and stated that I did NOT want to proceed with. 

Despite my refusal, the representative processed the deferment anyway. During the same interaction, the agent admitted fault and stated : Im sorry, I made a mistake and put you in for the deferral after you said you didnt want to go through with it. 

This deferment was applied without my authorization and resulted in my Affirm account becoming restricted and unusable, even though I have never missed a payment and had not used any deferment options. I later contacted Affirm again seeking resolution and was told there is nothing they can do, despite the error being admitted by their own agent. 

This unauthorized action has caused ongoing financial harm and inconvenience. The negative impact and account restrictions remain unresolved as of today. 

I am requesting : 1. Immediate reversal of the unauthorized deferment 2. Full restoration of my account functionality 3. Written confirmation that this deferment was applied in error by an agent and not requested by me 4. AssurancXXXX that my credit standing and account history were not negatively affected 5. Corrective action to ensure this does not happen again to my account or other consumers This was an unauthorized modification of my account and should be treated as agent error and unfair account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
This information inaccurately portrays my financial history. Kindly review and correct the record.

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 2025-11-20 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2  out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-20 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX  XXXX veteran. 
I purchased my home in XX/XX/XXXX using a VA loan. At closing, I intentionally added my fiance to the deed/title ( but not to the mortgage note ) so the home would pass directly to her without probate if something happens to me. This is a common and legal estate-planning step for veterans. 
On XX/XX/XXXX, I applied for a VA Interest Rate Reduction Refinance Loan ( IRRRL/streamline refinance ) to lower my interest rate. My rate lock expires on XX/XX/XXXX just four days from now. 
For over two months, my lender has refused to process the IRRRL unless my fiance completely removes herself from the title/deed. I have contacted the VA Regional Loan Center multiple times and have been told clearly and repeatedly : There is no VA requirement that a non-borrower spouse or fiance must be removed from the title for an IRRRL. 
As long as the veteran ( me ) remains the only person obligated on the new note and I occupy the property, the refinance can proceed even if others remain on the title. 

Despite providing this information to the lender, they continue to insist their policy requires her removal from the title completely. No one at the bank will listen, and I now feel I am being bullied and taken advantage of as a XXXX veteran during a time-sensitive refinance. 
I do not want my fiance removed from the title doing so would defeat the entire reason I put her on it in the first place.

I am out of options and risk losing my locked rate in four days because of the lenders incorrect interpretation ( or deliberate misrepresentation ) of VA guidelines.

Please investigate this immediately and compel the lender to process my VA IRRRL without requiring my fiance to be removed from the title.

Thank you for protecting veterans from predatory and unlawful lending practices. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX Veteran ( XXXX ) XXXX XXXX Loan number : XXXX XXXX XXXX XXXX XXXX, XXXX Utah XXXX Freedom Mortgage XXXX XXXX XXXX ( Customer Support Specialist  ), XXXX  XXXX ( Customer Support Specialist ), XXXX XXXX ( Operation Team Lead-CSS )

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 2025-11-20 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting an inaccurate, unverifiable, and time-barred collection account under LVNV FUNDING LLC ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX I disputed the account directly with XXXX  and also requested validation from the furnisher ( LVNV/Resurgent ). They failed to provide proper validation under 15 USC 1692g. 
They did NOT provide : A signed contract Proof of ownership Chain of assignment from XXXX XXXX  Itemization of the balance Any original documents from the original creditor Instead, they only sent : A single old XXXX XXXX statement A self-created account summary This is not proper validation and does not prove the debt is accurate or legally enforceable. 
LVNV also admitted in writing that the debt is time-barred and they can not sue me for it. Time-barred debts can not be reported as verified without proper substantiation and required disclosures. 
Despite this, XXXX  marked my dispute as verified, which violates : FCRA 1681e ( b ) failure to ensure accuracy FCRA 1681i failure to conduct a reasonable reinvestigation FDCPA 1692g failure to validate CFPB Regulation F mishandling time-barred debt This account is unverified, inaccurate, and legally unenforceable, yet XXXX  continues to report it. 
I am requesting CFPB assistance because the furnisher and XXXX  have both failed to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My last car payment to XXXX XXXX  was on XX/XX/XXXX for XXXX. It was paid in full. They reported it to credit bureau as a charge off on XX/XX/XXXX. I spoke with someone the day I made my last payment and was told it would be removed and it wasn't. It has been 3 years. I also spoke with someone from XXXX XXXX XXXX XXXX XX/XX/XXXX about this and was told they would pass on to supervisor. They see it was paid in full. They are fraudulently claiming it was a charge off on my credit report causing me issues. I was mailed title because it was paid in full. XXXX XXXX acct # XXXX it was a joint acct and my daughter 's name is first XXXX XXXX and XXXX co-signer. I need this off all 3 credit reporting agencies

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My last car payment to XXXX Bank was on XX/XX/XXXX for XXXX. It was paid in full. They reported it to credit bureau as a charge off on XX/XX/XXXX. I spoke with someone the day I made my last payment and was told it would be removed and it wasn't. It has been 3 years. I also spoke with someone from XXXX XXXX XXXX XXXX XX/XX/XXXX about this and was told they would pass on to supervisor. They see it was paid in full. They are fraudulently claiming it was a charge off on my credit report causing me issues. I was mailed title because it was paid in full. XXXX XXXX acct # XXXX it was a joint acct and my daughter 's name is first XXXX XXXX and im co-signer. I need this off all 3 credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
I am writing to dispute inaccurate personal information and multiple unauthorized hard inquiries on my Equifax credit report. I did not authorize these companies to access my credit file, and my identifying information needs to be corrected immediately. 

This letter serves as my formal request under : South Carolina Code 37-20-180 requiring removal/blocking of fraudulent or inaccurate information within four ( 4 ) business days.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b requiring consumer authorization for inquiries.

FCRA 15 U.S.C. 1681i my right to dispute and request reinvestigation.

I have attached my FTC Identity Theft Report and a copy of my identification for verification.

1. Correct My Personal Information Correct Current Address ( This is my ONLY valid address ) : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Remove All Old or Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX ( incorrect ZIP previously listed ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX. Remove the Following Unauthorized Hard Inquiries ( Equifax ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2025XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent, and therefore must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX,XX/XX/2019XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX LATE PAYMENTS XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am disputing the recent inquiries listed on my Experian credit report from XXXX XXXX XXXX and XXXX XXXX. Both inquiries were made on XX/XX/year>, and I request that they be reviewed and verified as they may not have been authorized. Please remove or correct these entries as necessary and provide me with the updated results. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

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 2025-11-20 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: PA

Complaint narrative:
I have fraudulent accounts reporting on my consumer 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 2025-11-20 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: PA

Complaint narrative:
I have fraudulent accounts reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX  has reported multiple inaccurate late payments on my credit report. The account shows 120-day late payments after several months of X Unknown and months of XXXX XXXX. 

Additionally, I was on a COVID payment forbearance, which should have kept my account in good standing. The late payments reported during this period are therefore inaccurate and misleading. 

Credit reporting rules require late payments to be reported sequentially ( 30 60 90 120 ). Skipping stages and alternating between current and late statuses is inaccurate, inconsistent, and unverifiable, violating FCRA 1681e ( b ). 

Requested Resolution : Please delete or correct all inaccurate late payments and update my account to accurately reflect my payment history as OK Current / Paying as agreed for the months during which I was current, including accounting for the COVID forbearance. 
Additional Details : Account opened : XX/XX/XXXX Last payment : XX/XX/XXXX Account transferred : XX/XX/XXXX COVID forbearance received : payments completed in XX/XX/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