vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary documents to support my claim.

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 2025-08-12 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am filing this complaint regarding Affirm Holdings , Inc. and the way they have handled my repeated goodwill requests.

I fell behind on multiple Affirm loans due to temporary hardship ( I had an unexpected XXXX, and my recovery time added to the already looming hardship ), resulting in accurate XXXX late payments being reported to the credit bureaus. At that time, my total balance was approximately {$5000.00}. 

Within less than XXXX months, I paid the balance down from {$5000.00} to {$400.00}, and my account is now current and in good standing. Despite this substantial repayment and my consistent on-time payments since then, my credit score has dropped from the XXXX to the XXXX. This drop has severely impacted my ability to obtain housing, transportation, and certain job opportunities. 

I have twice submitted formal goodwill adjustment requests to Affirm, asking that the late payment notations be removed as a discretionary act, not as a dispute over accuracy. Both requests were denied without any indication of a willingness to consider my circumstances or repayment efforts. 

I am requesting that the CFPB review whether Affirms refusal to consider any goodwill adjustment, even after I have substantially repaid the loan and restored the account to good standing, is consistent with fair credit reporting practices. I believe that given the circumstances and my demonstrated good faith, a goodwill removal is a reasonable and appropriate accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a personal statement on my credit file that I did not request to the credit furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a personal statement on my credit file that I did not request to the credit furnisher.

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 2025-08-12 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-08-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On reviewing my Equifax credit report, I found multiple XXXX  loan accounts reported under XXXX  XXXX XXXX XXXX XXXX ( XXXX ) or a successor servicer. These accounts are currently in full forbearance and deferment until XX/XX/year> and are not in repayment status. Despite this, they are being reported in a way that suggests an active repayment obligation or delinquency, which is inaccurate and misleading. 

Additionally, the servicing of these accounts was transferred from XXXX to another company without proper compliance with 15 U.S.C. 1681s-2 ( a ) & ( b ). This raises serious concerns about data accuracy and attribution. 

These reporting errors violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to maintain maximum possible accuracy ( 602 ( A ) ) Misrepresentation of account status ( 605 ( a ) ( 5 ) ) Failure to provide full and correct source information ( 609 ( a ) ( 1 ) ) Failure to reasonably reinvestigate disputes ( 611 ( a ) ( 1 ) ) Furnishing information known to be inaccurate ( 623 ( a ) ( 1 ) ( A ) ) Failure to update/correct information after transfer ( 623 ( a ) ( 2 ) ) It also constitutes deceptive and abusive practices under the Consumer Financial Protection Act by harming my creditworthiness without any actual repayment obligation. 

I am requesting that Equifax immediately delete these XXXX  loan accounts from my credit file and provide written confirmation of the reinvestigation results within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I faxed paperwork motorized of identity fraud with a police report. XXXX XXXX XXXX and Capital one bank are not my accounts Ive never had these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
ON XXXX XXXX I WENT TO XXXXXXXX XXXX XXXXXXXX TO LOOK AT SUV THE SALE LADY XXXX RAN MY CREDIT WITHOUT MY PERMISSION ON XX/XX/XXXX AFTER I TOLD HER I DIDN'T WANT MY CREDIT RAN TO PROVIDE PAPERWORK FIRST OF WHAT I WOULD HAVE TO PAY WITH MY CREDIT SCORE BEING XXXX. I DIDN'T AUTHORIZE HER TO RUN MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

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 2025-08-12 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: Synovus Bank
State: GA

Complaint narrative:
SYNOVUS keeps saying this is an old problem and keeps saying DUPLICATE!

It's not a duplicate SYNOVUS HAS NOT PROVIDED A 1099-C but received credit from the IRS. That's FRAUD ON THE PART OF SYNOVUS BANK! 

I WANT MY 1099-C so I can file my TAXES and get this negative account off my credit report. 

CFPB should sue SYNOVUS BANK for FRAUD and false reporting on my credit REPORT : Synovus did not provide a 1099-C TAX relief document, nor have they provided what my balance is for me to file my TAXES. They received a TAX break but they are still collecting money from me monthly {$150.00} I would like the credit for my money I have been paying and I want my 1099-C. If not the CFPB must sue SYNOVUS for FRAUD especially with the data breach SYNOVUS keeping false information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have sent in a Lost mitigation package on XX/XX/XXXX, follow up information on XX/XX/XXXX and XX/XX/XXXX. This application was denied. An additional Lost mitigation package was sent in on XX/XX/XXXX, Additional documentation was sent in on the XX/XX/XXXX. This application was denied. New application for lost mitigation was sent in on XX/XX/XXXX XXXX follow up documentation on XX/XX/XXXX and XX/XX/XXXX Currently waiting on decision over 30days after current application. 

Current Loan Specialist XXXX XXXX have never spoke with in the 30+ days of application being turned in nor Any individual who was assigned to my profile. I was told on a phone call by employee of company that I needed to be 4 month behind for loss mitigation package to be a viable option. Did not make the month 2 and 3 payments before month 4 began and in turn foreclosure process was started. Explained situation to supervisor/Management was told situation will be expedited. received call back 30+ days later with no decision and needed follow up information. Never received answered on specifics because never got call from department even when asking for follow up. 

Current phone call log : XX/XX/XXXX outgoing 7 min XX/XX/XXXX outgoing 2 min XX/XX/XXXX Missed call XX/XX/XXXX Missed call XX/XX/XXXX Missed call XX/XX/XXXX Incoming call 10 min incoming call 2 min XX/XX/XXXX Outgoing call 7 min XX/XX/XXXX outgoing call 27 min XX/XX/XXXX Missed call XX/XX/XXXX Missed call XXXX XXXX Incoming call 14 min XX/XX/XXXX Incoming call 4 sec outgoing 6 min outgoing 28 sec XX/XX/XXXX Incoming call XXXX min XX/XX/XXXX Outgoing XXXX min outgoing XXXX sec XX/XX/XXXX Outgoing XXXX min XX/XX/XXXX Outgoing XXXX min XX/XX/XXXX Outgoing XXXX hour XXXX min XX/XX/XXXX Outgoing XXXX min XX/XX/XXXX Outgoing XXXX min XXXX XXXX Missed call outgoing XXXX min XXXX XXXX outgoing call XXXX hours XXXX min XXXX XXXX incoming XXXX min XXXX XXXX outgoing XXXX min XXXX XXXX incoming XXXX min

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
On XX/XX/year>, I made my regular XX/XX/year> mortgage payment to XXXX XXXX  via ACH debit for my VA mortgage on my property in XXXX, CA. 

After making the payment, I was just notified today, XX/XX/XXXX, by phone that Village Capital is now servicing my loan and they are stating they have not received payment and if payment is not received by XX/XX/XXXX, they will charge me a late fee and hurt my credit. 

XXXX says they are no longer servicing my loan, and that their mortgage department is through XXXX XXXX bank or company? Yet when they transfer me to them, I only get an automated teller which gives me no assistance. 

I am within the 60-day grace period under RESPA for servicing transfers, during which timely payments made to the prior servicer can not be treated as late. Despite this, my current servicer is showing the XXXX payment as unpaid. 

I have proof of payment ( attached ) showing the amount, date, and payee. I am requesting that the payment be located, forwarded, and credited to my account immediately, with all late fees and negative credit reporting preventing. 

Please provide written confirmation of the resolution and application of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

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

Company 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