vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: DC

Complaint narrative:
I financed a sectional through American First Finance ( AFF ) at a local furniture store. The store engaged in deceptive practices and false advertising. I was shown and agreed to a specific couch on XX/XX/XXXX, and that is the product I believed I was signing for. However, the store delivered the wrong couch multiple times different models, different sizes, and not the product I selected or agreed to. At XXXX point, the store later admitted that the exact couch from the photo shown to me was not actually available. Then, later, they took back that statement and said XXXX had come in, and insisted that it was the exact couch I wanted and previously saw and signed for. ( It is not ) I exchanged the initial couch I purchased prior to the XX/XX/XXXX exchange because it was too large for my home, but every replacement they attempted to deliver was still not the couch I was shown. This is a clear case of misrepresentation and bait-and-switch advertising by the merchant. 

During the last delivery attempt, the delivery team was extremely rude and dismissive, im guessing due to having to deliver me XXXX separate couches. There was a language barrier that prevented me from safely or clearly disputing anything. With XXXX men already clearly annoyed and me being a woman on the smaller side, I no longer felt comfortable engaging with the delivery team, despite not being satisfied with the product or delivery. 

After the third failed delivery, the store never followed up. The XXXX told me XXXX XXXX XXXX XXXX would take over, so I waited to hear from them. However, no one from AFF ever contacted me, to my knowledge. I emailed XXXX XXXX multiple times, but they have not responded at all. 

Because I never received the product I financed, and because the merchant repeatedly delivered the wrong merchandise, I requested a pickup and account cancellation in writing. Despite this active dispute, AFF has continued calling and texting demanding payments and has not stopped collection attempts. 

AFF has also ignored my written dispute completely. I am requesting that the account be cancelled, the furniture picked up, and all collection activity stopped, as I no longer want to continue business with the company and their practices. I request that while my dispute is reviewed, all harassing and collection attempts stop, and that all communication be in email or writing until the furniture return is concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is account that keeps being re-sold that I should be able to dispute and its not the original creditors. Its affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
Since I have no link to these accounts, they must be removed within 15 days as stated in USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-03 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-03 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within XXXX ( XXXX ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX, XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over XXXX days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Please reexamine this entry ; it might be mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing the reporting of a closed Capital One credit card account. I reached a settlement with Capital One directly, and I paid {$150.00} as agreed. At the time of my payment, there was no active collection agency, and I received no notice that the debt had been assigned or sold. 

Only after I paid Capital One did I receive a notice from a collection agency claiming involvement with this account, which is improper and confusing. 

Despite the settlement being paid, my XXXX credit report still shows : A past-due balance of {$140.00} Continuous monthly charge-off notations after the settlement Conflicting comments and inaccurate account status These entries are inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), especially since the account was paid according to the negotiated agreement directly with Capital One. 

I previously disputed this with XXXX, but the information remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NH

Complaint narrative:
MOHELAs suggested payment plan on each loan are only covering the interest rather than reducing the principal, so the loan balances arent decreasing. They mislead borrowers by offering very low payment options that address only the interest, which ultimately harms borrowers credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
XXXX XXXX is violating the New York 's Exempt Income Protection Act ( EIPA ) which automatically protects ( exempts ) a certain amount of money in your bank account from being frozen or seized. In New York the protected amount is {$3900.00} if you live in XXXX XXXX  XXXX, XXXX XXXX, or XXXX but they are not honoring that; leaving me with under {$1000.00} in my bank account. I am unable to pay my bills and mortgage as a result, I need this to be rectified immediately. In addition, by freezing/seizing {$7900.00} of my money, which is XXXX % exempt since it is earned income, they are violating the Exempt Income Protection AcXXXX on multiple fronts. Initially on XX/XX/year> the levy placed on my account was for {$5800.00}, then they increased the amount of the levy to {$7900.00} on XX/XX/year>. When I called to the law firm and XXXX XXXX  to inquire about why the levy amount was changed, and my legally allowed exemption of {$3900.00} was still not being honored but further removed, no one was able to provide with an answer or a solution ; nor did they make any effort to help with resolve the situation. You can see in the attached document that I had under {$9000.00} in my account when the levy was increased o {$7900.00} on XX/XX/year>. I have had to resort to withdrawing money to keep my bank account empty out of fear that they will just keep increasing the amount of the levy, leaving me with nothing. I can't pay my bills as it is right now, I don't understand how they can get away with complete disregard for New York XXXX XXXX like this. I hope that violating the Exempt Income Protection Act in New York is taken seriously by the Consumer Financial Protection Bureau, and you can assist me with getting the terrible situation resolved. Immediate action needs to be taken to correct this and penalize this gross violation of New York State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
JPMorgan Chase is reporting my closed, charged-off account with a balance owed and a past-due amount, even though the account is no longer active. Reporting a past-due balance on a charged-off account is misleading and incomplete. My disputes with the credit bureaus were verified even though the reporting violates furnishing requirements. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) FCRA 1681s-2 ( b ) Regulation V ( 12 CFR 1022.4142 ) This false reporting is causing financial and emotional harm and preventing me from obtaining needed credit. I request that CFPB require Chase to correct or delete this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MO

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 2025-12-03 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: OH

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/year>, a collection entry from National Credit Adjust appeared for {$230.00}. I do not recognize this debt and have not received any prior notice or validation from the company regarding this amount. I attempted to resolve the issue by contacting the company/ disputing the entry, but the matter has not been resolved. 

I am requesting that the company provide full validation of this alleged debt and correct or remove the entry if it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Data Mortgage Inc.
State: OR

Complaint narrative:
I exited XXXX forbearance in XX/XX/XXXX and was under the impression I had been placed on Payment Deferral, where my missed payments would be deferred to my loan maturity date ( XXXX ). I resumed regular mortgage payments and received no indication that anything was different. 

On XX/XX/XXXX - XXXX hours before my home closing - I discovered a {$36000.00} XXXX XXXX XXXXXXXX on my payoff statement. This was the first time I learned a separate subordinate XXXX existed. I had no knowledge of this debt for XXXX years. 

Under XXXX  XXXX XXXX XXXX, servicers exiting borrowers from COVID forbearance must : Evaluate Payment Deferral XXXX  Clearly explain the difference between Payment Deferral ( due at maturity ) and Partial Claim ( due at sale ) Obtain informed consent None of this happened. I have XXXX emails or documentation showing : Payment Deferral was offered as an option The material difference was explained I was told XXXX XXXX would be due at sale I made an informed choice The Money Source ( original servicer ) violated FHA guidelines. XXXX XXXX ( current servicer ) inherited this improper Partial Claim. 

I met with XXXX XXXX XXXX on XX/XX/XXXX and submitted a formal written dispute. I requested conversion to Payment Deferral ( what I believed I had ) or settlement for disclosure failure. 

Funds are currently held in escrow pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I requested through US MAIL on XXXX and through the CFPB website on XXXX the information required by Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : Agencies are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts that you post on a credit report. 
I have requested all from the company all information required by law to validate the alleged debts ( listed on the attachment ). I, in addition to the attached complaint, also request the following for each listed account : o 15 USC 1681 7 -MUST DISCLOSE THE RESULTS AND MANNER OF A PHYSICAL DEBT VERIFICATION o 15 USC 1641 ( f ) ( 2 ) -ORIGINAL CREDITOR DISCLOSURE OF WHO CURRENTLY OWNS THE ALLEGED DEBT, A FORWARD FLOW AGREEMENT AND WHAT AMOUNT WAS THE ALLEGED DEBT SOLD FOR AND TO WHOM?

Company response to consumer: Closed with explanation