vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: MS

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

2. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

3. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

4. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Requested information pertaining the mortgage note for payoff purposes.

Property held in trust. Breach of duties

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
In XX/XX/XXXX, I made a hotel reservation through XXXX using Affirm financing. The reservation was non-refundable, and I accidentally selected the wrong date. Within hours, I contacted the hotel directly to explain the mistake. The hotel reviewed my request and approved the cancellation, on the condition that I rebook for the correct date, which I immediately did. 

Despite this, XXXX denied the cancellation and refund, claiming that the hotel did not approve it. I called the hotel again to verify, and they confirmed that they had indeed approved the cancellation and could not understand why XXXX was refusing to process the refund. 

I have since contacted XXXX multiple times ( on or around XX/XX/XXXX, and XXXX, XXXX ). Each time, they stated that a third-party vendor handles these matters and that my request was deniedtwicedespite the hotels confirmed approval. 

The transaction remains active through Affirm, even though the service was canceled with the hotels permission. I am requesting that Affirm and/or XXXX void or refund this charge, as I followed all procedures, acted in good faith, and have proof that the hotel authorized the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding two creditors, XXXX XXXX and XXXX, for improper and inaccurate credit reporting practices. As I keep going back in fourth and put me in XXXX  XXXX problem Both companies charged off and sold my accounts to third-party debt buyers, with whom I am currently working to resolve the debts. Despite this, the original creditors continue to report charge-offs with outstanding balances, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

I have already filed disputes with the credit bureaus, requesting that these accounts be updated to reflect a XXXX balance and sold/closed status since the debts were transferred. However, the bureaus refused to make corrections, even though the original creditors no longer own the accounts. 

This ongoing reporting of balances by the original creditors violates FCRA Section 623, which prohibits furnishers from reporting information they know or should know to be inaccurate. I am requesting the CFPB to investigate these violations and ensure XXXX XXXX and XXXX update or remove these accounts from my credit report immediately. 

Please notify me in writing once this issue has been reviewed and resolved.

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 2025-11-01 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: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding two creditors, XXXX XXXX and XXXX, for improper and inaccurate credit reporting practices. As I keep going back in fourth and put me in XXXX  XXXX problem Both companies charged off and sold my accounts to third-party debt buyers, with whom I am currently working to resolve the debts. Despite this, the original creditors continue to report charge-offs with outstanding balances, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

I have already filed disputes with the credit bureaus, requesting that these accounts be updated to reflect a XXXX balance and sold/closed status since the debts were transferred. However, the bureaus refused to make corrections, even though the original creditors no longer own the accounts. 

This ongoing reporting of balances by the original creditors violates FCRA Section 623, which prohibits furnishers from reporting information they know or should know to be inaccurate. I am requesting the CFPB to investigate these violations and ensure XXXX XXXX and XXXX update or remove these accounts from my credit report immediately. 

Please notify me in writing once this issue has been reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
The following account information listed and showing on my Early Warning Services File Consumer ID : XXXX is inaccurate and incorrect : XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Routing Number : XXXX, Account Number : XXXX. The following inquiries listed on my consumer report are not my inquiries : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Full Name : XXXX XXXX XXXX, Date of Birth, XX/XX/XXXX, XXXX : XXXX, ID Type : Drivers License, Drivers License Number : XXXX, ID State : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX. Dispute, XXXX XXXX  late payments on my credit report. 
Account opened on XX/XX/XXXX, it was for XXXX  months, so how can I be late XX/XX/XXXXXXXX 
XXXX. Dispute XXXX collection /charge off on my credit report I dispute this charge ; I don't owe them anything. My service went out I canceled service they then sent me a bill for the time the service was down.

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 2025-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Let me first say I have been paying this loan since XXXX. This is the 3rd company that has had my loan. I now am retired so I get Social Security, I have paid a payment every month. My bank account was compromise and the thief wiped out my account, I got behind because of this so I was able to pay half a payment This made me late because I was till paying the current payment and I called the company every month. I have ask if i could put the part I could not pay at the end of my loan. I would get phones from the company from one man saying if I paid a little extra I would be aright And they did not have my money going in the principal amount. I would find that out when I would call. This loan was not a house buying loan I had done some repairs on my house and it was a loan to pay. Now they have it a mortgage loan. I am not disputing I owe and I have been paying all these years. An agent name XXXX called me yesterday. I was till sleep. I am recovering from a bought with COVID and I did not get a check until the first. I thought she said today was the last day she could receive a payment, But when I called in today to make a payment I gt her again and she said she told me yesterday was the last day. She would not accept my payment. she aid it had to be 2 payments. I don't have that kind of money. Please I need somewhere to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I did not relieve the original loan that I requested. I had to get my original loan from my dmv.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Card - policy change and conflicts created : Discover Card previously allowed account to add secondary account holders ( same rights as primary account holder ). They since changed that policy after I added my spouse the the account. They also changed the policy so they are unable to remove said secondary account holder.XXXX XXXX XXXX I contacted Discover Card on XX/XX/XXXX to remove a secondary account holder as my spouse and I are getting divorced. I have held the account since XXXX and want to retain the account. Because of Discover 's policy change they claim it is impossible to remove an account holder. That is a lie, nothing prevents them frrm doing this and they have created a conflict they are easily able to rectify yet refuse to. Their only option offered is to close the account and apply for new. This has several serious negative repercussion on me, impact to my credit score to close an account, impact for hard hit on application for account, and forfeiture of points/rewards accumulated, status of cash back and credit limit ( also credit score hit )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, My phone was stolen from me the around midnight XXXX XXXX on XX/XX/year>. After I was able to talk to all my banks and get a new phone, all my money from my accounts have been sent over in miscellaneous payments ( target, apple store, cash app, applepay, etc ) from my debit and credit cards. I am awaiting for the police report, and I have been able to recover some of my credit card funds back, but my main concern is the exorbitant amount of money lost in my checking account. It happened the day of my direct deposit, and the overdraft fees now are also a concern. I notified the bank and they said they should reach out soon since as XXXX cases have been created on their end, but I need this money as soon as possible to pay for my monthly expenses mainly rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
RE : Dispute of Debt - Reference Number XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above. I have no agreement or direct relationship with your agency, and therefore I do not acknowledge this debt as valid or collectible by Halsted Financial Services LLC I request that you provide a full validation of this debt, including : o A copy of the original contract or agreement with my signature o A complete payment history, including the original amount and any interest or fees Until you provide proper verification, you must cease all collection activity in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Additionally, this debt is being reported to the credit bureaus. As it is disputed and unverified, I formally request that Halsted Financial Services LLC remove this account from my credit report immediately, as required by the Fair Credit Reporting Act ( FCRA ), if you can not validate it. 
Please respond to this request in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX  ), opened on XX/XX/year> with a

high balance of {$360.00}, which is being reported as a collection account. I have no knowledge of this account and have never entered into any agreement or financial relationship with this company. This reporting is false, unverified, and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for failing to ensure the accuracy and legitimacy of information being furnished to credit bureaus. This false collection entry has caused significant harm to my credit profile and overall financial standing. NATIONAL CREDIT SYSTEM has not provided any verifiable proof or signed documentation confirming that I am responsible for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-01 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MS

Complaint narrative:
Ive recently received a copy of my credit report and notice 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