vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
This complaint refers to an escrow account disclosure statement received XXXX XXXX, XXXX from Freedom Mortgage. The escrow statement informed me that, effective XXXX XXXX, XXXX, my mortgage payment will increase by {$120000.00}. This is an exorbitant increase, and not one that the average consumer could afford. This amount is based on three factors : XXXX. ) an increase in property taxes from the prior year, amounting to a monthly average of {$560.00} ; XXXX. ) one-twelfth of a projected shortage in my escrow account of {$4200.00} ; and XXXX. ) one-twelfth of an escrow cushion of {$4000.00}. My complaint is that, while XXXX. ) and XXXX. ) may be permitted under RESPA, they are unfair by the CFPB 's and FTCs standard of what constitutes an unfair practice. Further, they create undue and unnecessary stress on the consumer. Such burdensome escrow requirements compound the effects of higher taxes and higher costs of insurance, which already strain the consumer financially. XXXX. ) is based on a projected shortage at a point in time in XXXX XXXX, almost XXXX months away ; the shortage is then cut in half within XXXX month, with my XXXX XXXX XXXX payment. To require that I front load one-twelfth of that full XX/XX/XXXX amount each month is unduly burdensome, and it does not give the me the consumer adequate time to budget for this increase. Regarding XXXX. ), while {$4000.00} is two months worth of taxes, it is a large amount by any standard. The two months of cushion permitted under RESPA likely did not account for environments in which rising insurance costs and higher-taxed states were already putting the consumer under strain. As far as resolution, I would like an escrow waiver, allowing me to pay my taxes and insurance directly. This would preclude the need for an escrow cushion and shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was recalled to XXXX XXXX XXXX XXXX XXXX, after the establishment of my XXXX XXXX card. I requested XXXX benefits to be applied to the account and sent the required documents on XXXX XX/XX/year>. When I call customer care to follow up on the matter, via the number on the back of the card, I am told I must be transferred to a different department that handles the XXXX applications. The department I am transferred to, however, does not have access to the Home Depot Credit Card accounts. I have tried using the secure messaging system online and no response has been received. According to recent statements it does not reflect XXXX benefits being applied to the account.

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 2025-12-15 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 submitting this complaint as a consumer who is actively trying to correct and repair my credit file. After carefully reviewing my credit reports, I found multiple accounts, inquiries, and late payment notations that are inaccurate, incomplete, misleading, or not properly verified. I am requesting a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ) and that any information that can not be properly verified be corrected or deleted immediately. 

EXPERIAN ( XXXX ) Charged-Off / Collection Accounts in Dispute XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$1100.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$1300.00} ) XXXXXXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$940.00} ) XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$250.00} XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$370.00} ) XXXX XXXXXXXX XXXX ( Opened XX/XX/XXXX, Balance {$160.00} ) XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX SELF-REPORTED XXXX ( Opened XX/XX/XXXX, Balance {$400.00} ) XXXX SELF-REPORTED XXXX ( Opened XX/XX/XXXX, Balance {$38.00} ) XXXX SELF-REPORTED XXXX ( Opened XX/XX/XXXX, Balance {$38.00} ) XXXX SELF-REPORTED XXXX ( Opened XX/XX/XXXX, Balance {$11.00} ) Inquiries in Dispute XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment Notations in Dispute 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 2025-12-15 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.

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The following account is not mine XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following account is not mine XXXX  Account Number : 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 2025-12-15 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: NC

Complaint narrative:
I am filing this complaint to report inaccurate, unverifiable, and legally non-compliant information being furnished to consumer reporting agencies by the companies listed below. Despite prior disputes, these accounts continue to be reported with inconsistent balances, dates, statuses, and payment histories that can not all be accurate at the same time. 

Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit bureaus must be accurate, complete, and verifiable. The continued reporting of conflicting data demonstrates that these furnishers have failed to conduct a reasonable investigation and are reporting information that does not meet the maximum possible accuracy standard required by law. 

Disputed Accounts/ Furnishers XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX ) Reported XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX ) Reported XX/XX/2024 Basis of My Complaint These accounts contain one or more of the following violations : Conflicting account statuses ( open vs. closed, charged off vs. current ) Inconsistent dates of last activity or last payment Inaccurate balances and payment histories Duplicate or mismatched account numbers Continued reporting after deletion by another bureau Failure to provide verifiable documentation when disputed A single account can not legally have different facts reported to different credit bureaus. This proves the information is unverifiable and should not be reported. 

Legal Violations The continued reporting of these accounts violates, but is not limited to : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation after dispute 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy Harm Caused This inaccurate reporting has caused financial harm, including damage to my creditworthiness, higher interest rates, and denial of credit opportunities. These harms are ongoing as long as the inaccurate data remains on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 submitting this complaint as a consumer who is actively trying to correct and repair my credit file. After carefully reviewing my credit reports, I found multiple accounts, inquiries, and late payment notations that are inaccurate, incomplete, misleading, or not properly verified. I am requesting a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ) and that any information that can not be properly verified be corrected or deleted immediately. 

Charged-Off / Collection Accounts in Dispute XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$250.00} ) XXXXXXXX XXXX XXXXXXXX ( XXXX XX/XX/XXXX, Balance {$940.00} ) XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$1300.00} ) XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$1100.00} ) XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$370.00} XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$160.00} ) XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment Notations in Dispute XXXXXXXX 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 2025-12-15 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: NC

Complaint narrative:
I am disputing the accuracy and completeness of the following account and inquiries appearing on my Experian credit report. These items are either inaccurately reported, not properly verified, or reported without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is required to ensure that all reported information is accurate, complete, and verifiable. 

Charged-Off Account in Dispute CREDITOR : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> BALANCE : {$880.00} This account is being reported as charged off, yet I have not been provided with proper validation or documentation proving the accuracy of the charge-off status, balance, and reporting history. If this account can not be fully verified, it must be corrected or removed. 

Unauthorized / Unverified Inquiries The following inquiries are reporting on my Experian file without clear authorization or permissible purpose. I am requesting proof of authorization for each inquiry or immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>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 XXXXXX/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 2025-12-15 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: TX

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I noticed on my credit report a " personal loan '' that was closed for the amount of {$1000.00}. The loan is from a company called Affirm Inc . When I called them they told me I needed to call XXXX XXXX ( XXXX ) to deal with this. I called XXXX XXXX twice to get details and they transferred me before hanging up on me both times. 

I don't have a XXXX XXXX account and I'm not in their database because this isn't a loan I took out. 

The loan was for a company called XXXX XXXX that provides XXXX XXXX. I have never dealt with that company. Someone took that loan under my ID and now it is on my credit report and no one will remove the debt. 
The companies involved are Affirm Inc and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts No charged-off accounts listed for dispute at this time. 

Inquiries in Dispute XXXX XXXX XXXX and XX/XX/year> I do not recall authorizing this inquiry and request verification of permissible purpose. 

Late Payments in Dispute 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 explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Good morning, the evidence portal was closed, so I am submitting my additional documentation by email as instructed by an Affirm representative during my phone call yesterday. 

Attached you will find : My writing cancellation sent by email on XX/XX/XXXX. 

My letter of Social Security XXXX since XXXX approved by a Judge on court. 

The preform invoice from XXXX on XX/XX/XXXX, clearly states to call for an appointment. The amount OF {$4100.00} WAS supposed to XXXX XXXX XXXX XXXX  that lasts for THE NEXT 3 MONTHS, NOT A SINGLE DAY. THERE IS no way THAT A PERSON CAN use {$4000.00} IN A day of treatment. 
Treatments were to start on Monday, XXXX, XXXX, at XXXXXXXX XXXX. 
To clearly state that I did not receive any XXXX XXXX at this clinic ON XX/XX/XXXX. 

During my first visit on Saturday, XX/XX/XXXX an EVALUATION was ONLY done. Photos of my XXXX XXXX XXXX  were taken for evaluation purposes ; no procedures were taken. 

The clinic just got the loan 's approval and scheduled the first treatment appointment for Monday, XX/XX/XXXX, but after consulting with my doctor, he prohibited me from doing ANY of those treatments. 

I am a XXXX person with many XXXX conditions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 

Therefore, the clinic received an email from me on XX/XX/XXXX, cancelling the appointment for the treatments. Moreover, on Monday, XXXX, XXXX, I went personally to the clinic at XXXXXXXX XXXX. to explain all of these and requested the CANCELLATION FOR AFFIRM AND XXXX XXXX approval. 

The clinic, instead of following my instructions of cancellation, proceeded to bill Affirm and XXXX for {$9000.00} in services NEVER BEING PROVIDED. 

Now, I am dealing with all these fraudulent invoices, consents and non-return policy signed electronically WITHOUT any verification or validation of signature required by law. 

Thank you for your attention to this matter. Please confirm receipt of this email and evidence. 

If anything further is requested before the deadline of XX/XX/XXXX, let me know. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-12-15 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 submitting this complaint as a consumer who is actively trying to correct and repair my credit file. After carefully reviewing my credit reports, I found multiple accounts, inquiries, and late payment notations that are inaccurate, incomplete, misleading, or not properly verified. I am requesting a full investigation pursuant to the Fair Credit Reporting Act ( FCRA ) and that any information that can not be properly verified be corrected or deleted immediately. 

Charged-Off / Collection Accounts in Dispute 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  These accounts contain inconsistent reporting details, questionable accuracy, and lack full validation, which violates the FCRA. 

Late Payment Notations in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation