vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I've never received post repossession verification, stating when the vehicle was sold, to whom & where.

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 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Well, my problem is my father died and the company that I with they dont want to acknowledge me, but I do have to do to the house and a XXXX. I got this in probate court and I have provided all the information but they still dont want me its very Ive turned in everything And I working with a company and they wan na talk to the company because I know authorized an account and my house went to foreclosure due to probate court because no one wanted to listen to me I can make no payment for nothing. My name is XXXX and my property address is XXXX XXXX XXXX XXXX XXXX XXXX the mortgage company is Carrington mortgage. I feel like there are overseeing everything that Im doing, and they dont want me at all and I keep putting in the runaround and very frustrating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
The inaccurate accounts remain listed on my credit report despite not being taken off. Therefore, I ask that the attached documents be examined closely to ensure this issue is permanently resolved and I no longer have to be concerned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
XXXX XXXX  XXXX contacted me regarding an alleged debt. Under XXXX XXXX. XXXX ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), they were required to send a written notice containing the amount of the debt, the name of the creditor, and my rights to dispute the debt within XXXX ( XXXX ) days of the initial communication. They have failed to provide this required notice. Despite repeated requests, they have not provided full and proper validation of the debt, including : Flow agreement between the original creditor and their agency Transfer of assignment or other legal proof of collection authority XXXX of sale proving ownership or rights to the account Original signed contract creating the alleged obligation Violations : FDCPA XXXX ( a ) Failure to provide written notice within XXXX  days of initial communication. FDCPA XXXX False or misleading representation by attempting collection without proper authority. FCRA XXXX Furnishing inaccurate or unverifiable information to consumer reporting agencies. They continue to attempt collection and/or report this account to credit bureaus without the required proof, which is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
On XXXX XXXX XXXX, shortly after I updated my account address, I received an email from Affirm asking me to complete identity verification. The email stated the verification link would remain valid for 3 days, but in reality, it expired within just 2 hours of openingleaving me unable to upload any identity documents at all. 

Shortly afterward, Affirm restricted my installment account privileges. For example, I noticed that some merchants I had paid through Affirm were instructed to pause shipment of my orders. 

I contacted customer support multiple times, offering to submit valid ID documents ( passport, bank statement, etc. ), but each request was closed with a vague response stating that my identity could not be verified, without offering me a chance to complete verification properly. Recently, I noticed that my passport had expired, but I now have updated documentation ready and am willing to complete the process. 

Despite my repeated requests and willingness to cooperate, Affirm has not provided me with a secure or functional method to verify my identity and continues to deny me access to their installment payment services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX  XXXX BALANCED : {$2900.00} XXXX XXXX BALANCED : {$3300.00} XXXX XXXXXXXX BALANCED : - XXXX XXXX XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCED : {$2900.00}

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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple hard inquiries reported by TransUnion. I don't recognize and I did not authorize these inquiries. I previously sent disputes to the bureau, but TransUnion closed them without providing proper proof. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reporting Problems No signed application or letter of authorization has been provided. 
TransUnion claimed the inquiries were verified, but offered no evidence beyond what the furnishers said. That is not compliant with the Fair Credit Reporting Act. 

Under 609 ( 15 U.S.C. 1681g ), I have the right to the source and copies of the documents relied on.

Under 611 ( 15 U.S.C. 1681i ), I have the right to a reasonable reinvestigation. A simple parrot response is not reasonable ( Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) ).

Under 623 ( 15 U.S.C. 1681s-2 ( a ) ), furnishers can not continue reporting unverifiable information.

Requests and Procedural Demands Cease & Desist : Until TransUnion provides proof of authorization, these inquiries should not remain and should not be furnished to third parties.

Deletion While Under Investigation : These inquiries must be removed during reinvestigation. They should not continue to harm my credit while their accuracy is in question. 

Method of Verification : Provide the name, title, and department of the person/agency who verified each inquiry. 

Proof of Authorization : Provide copies of the signed credit applications or written authorizations permitting each inquiry. 


These inquiries are unverified, unauthorized, and harmful. Unless TransUnion can produce original documentation proving I gave permission, they must be deleted immediately in compliance with the Fair Credit Reporting Act.

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 2025-08-20 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:
Per USC XXXX requirements, these errors must be found and cleared within fifteen ( XXXX ) days of notice.

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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a debt collection account from Jefferson Capital Systems on my credit report in the amount of {$2000.00}. I do not recognize this debt and have never received proper validation. 

On XX/XX/year>, I mailed Jefferson Capital a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, XXXX USC XXXX ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit. 

I dispute the validity of this debt and request that Jefferson Capital either provide full validation or remove the account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : 1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I am requesting the deletion of unauthorized accounts from my credit report. I did not consent to their creation and had no prior knowledge of them. Pursuant to USC XXXX, please remove them within XXXX  days. Relevant documents have been attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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

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 2025-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
My loan was transferred between payment centers ( both owned by United Wholesale Mortgage ) as of XX/XX/year>. Once the transfer was completed I created my account on the website and found my loan. Upon finding my loan I discovered the monthly payment amount was over {$1000.00} per month higher than it had been. Their own documentation states nothing about the loan can change during the transfer. I have requested multiple times to have the escrow examined to determine where the error is because I can not make a payment that is now more than {$1000.00} higher. They keep stating it takes time but I am nearly out of the federally protected 60 days time period. I have the funds to make both XXXX and XXXX payments but can not make the higher payment amount. Once the payment amount is rectified on their website I will be able to make all the needed payments. I have escalated this multiple times and have not gotten a resolution. Now I am receiving documents from them stating I must make a payment or I will be in default and may lose my house. I would LOVE to make my payment if they could get the amount corrected! I have never found a company that has been so useless in correcting their mistake. I am now sending them a demand letter and posting this as a last resort. I will also be posting everywhere I can on social media to bring attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-20 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9500.00} date open : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$870.00} date open ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$91.00} date openL XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} date open : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Balance {$2.00}, XXXX DATE OPEN : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9500.00} date open : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$870.00} date open ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$91.00} date openL XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} date open : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Balance {$2.00}, XXXX DATE OPEN : XX/XX/XXXXXXXX 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