vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I signed up for a meeting to learn more about the business this company was advertising. My goal was to learn and then make decisions on if I thought I would be interested. 
The salesman or mentor on the call was high pressure the entire time and made me feel Iike I was failing at life because I didn't know what I wanted to do yet. Every time i would say this wasn't for me or if i wasn't sure he would get very annoyed. He also recorded the call without me knowing. He could clearly tell that i was very unsure about the whole thing and could have said i wasn't fit for this but instead he kept on prying and asking personal questions that he had no business knowing. I didn't know that this course was a paid mentorship until the last 5 minutes and he rushed me through signing a contract that i didnt even know was a contract. He also helped me manipulate a Affirm account by making the app/loan think that i made a whole lot more money than i do resulting in a loan that i simply can't afford. i was under the impression that this was a course that i could cancel at anytime. when i tried to cancel they said that's not how this works, i tried calling multiple people in the company and they all just stopped answering. After that i put in a dispute with Affirm which is the company/app that setup the loan with me and they took multiple months to get back to me and did not send me any emails updating me to let me know what was happening in the process. I told the salesman/mentor multiple times that i knew nothing about the courses he was trying to put me on and if they actually did record me they can clearly see/tell that i was very unsure and very pressured by the whole thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: LA

Complaint narrative:
Date : XX/XX/year>XXXX  To Whom It May Concern : I am writing to formally lodge a complaint against American Collections Enterprise , Inc, a third-party debt collector, for unlawfully attempting to collect a debt that I do not owe to them and for reporting this alleged debt to the credit bureaus without proper legal standing. This conduct violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request immediate intervention to rectify this matter. 

Details of the Complaint : Debt Collector : American Collections Enterprise , Inc XXXX XXXX Compliance & Quality Assurance Manager Alleged Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Amount Claimed : {$1900.00} Credit Bureaus Reported To : [ XXXX XXXX XXXX  ] I have not received any prior communication from the original creditor, only the debt collector regarding this alleged obligation. Despite my requests for validation of the debt, American Collections Enterprise , Inc has failed to provide adequate documentation proving that I owe this debt to their company or that they have the legal right to collect it. 

Legal Violations : Lack of Debt Validation ( FDCPA 809 ) : Under the FDCPA, a debt collector must provide verification of a debt upon request. American Collection Enterprise , Inc has not supplied sufficient evidence to substantiate their authority to collect any debt from me. 

Unauthorized Credit Reporting ( FCRA 1681 ) : The FCRA mandates that only entities with a permissible purpose may report information to credit bureaus. American Collections Enterprise , Inc has reported this alleged debt without demonstrating a legitimate right to do so.

False or Misleading Representations ( FDCPA 1692e ) : The FDCPA prohibits debt collectors from making false or misleading statements in connection with the collection of a debt. American Collections Enterprise , Inc has engaged in such practices by asserting a debt that I do not owe to them and reporting it to credit bureaus without proper validation.

Requested Actions : I respectfully request the CFPB to : Investigate American Collections Enterprise , Inc for violations of the FDCPA and FCRA.

Ensure that all information regarding this alleged debt is immediately removed from my credit reports with all major credit bureaus. 

Provide me with an email and written confirmation by mail once the investigation is complete and corrective actions have been taken. 


Thank you for your prompt attention to this serious matter. I trust that the CFPB will take the necessary steps to protect my rights and ensure that American Collection Enterprise , Inc is held accountable for their unlawful actions.

Sincerely, 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 2025-05-17 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: NJ

Complaint narrative:
I see in my credit report a hard inquiry that I am not recognized, that XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts listed on my report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Hard Inquiries Demand for Immediate Deletion Under FCRA 604, 605B, 611 To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of unauthorized hard inquiries on my consumer credit reports maintained by your agencies. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting immediate removal of the following unauthorized inquiries : Inquiries to Dispute ( Unauthorized/ No Permissible Purpose ) : 1. XXXX XXXX  o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion 2. XXXXXXXX XXXX  o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion 3 XXXX XXXX ( XXXXXXXX ) o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion

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 2025-05-17 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: CA

Complaint narrative:
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  I did not authorize these inquiries please remove these fraudulent inquiries immediately.

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 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Eastern Account System I is reporting a {$55.00} collection account tied to XXXX XXXX that I did not authorize or open. I discovered this account in XX/XX/year>XXXX  while reviewing my credit report. Although it shows as paid, it should not exist on my report at all, as it was created fraudulently. I never received services from XXXX, never owed this debt, and never consented to any collection activity. 

I submitted an official FTC Identity Theft Report ( # XXXX ), which includes this account. Reporting this debt violates 15 USC 1681b ( no permissible purpose ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which excludes identity theft accounts from consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I have a bank account with regions bank. 
My husband and I have a checking account with regions bank, unfortunately, my husband passed away going on 2 years now and I tried to dispute charges from a company named XXXX. 
I had no idea that these charges went as far back to when my husband XXXX XXXX passed away. 
And because my husband was in charge of our bank account, I had no idea about these fraudulent charges. 
Our bank said that i had no right to be reimbursed for money owed while my husband was alive. 
They ended up stopping payment from a company that we have never heard of. They had only given me the recent charges and actually lied and said that these charges didn't go back 2 years ago. As a matter of fact, they said that these charges weren't seen prior on the bank account when I know that they had prior charges. 
What can I do here? 
If i didn't know that these charges existed when my husband was alive because he was in charge of the bank account. 
Regions bank isn't exactly reputable and have these strict and stringent rules. 
They absolutely refused to a point of saying that this company XXXX was never deducted from 2 years ago. I don't understand how a bank can get away with saying that prior charges, debits didn't exist prior to the recent charges.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated consumer report after you have completed your Investigation and corrections Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX XXXX XXXXXXXX

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 2025-05-17 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: KY

Complaint narrative:
Subject : Request for Investigation and Immediate Validation - Accounts # XXXX and # XXXX To Whom It May Concern, Upon reviewing a recent copy of my credit report, I have identified the following accounts as containing inaccurate or unverifiable information : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I am formally requesting that you validate these accounts by contacting the data furnisher and providing me with the following documentation : - A copy of the original contract bearing my signature. 
- A breakdown of the account history including all charges, fees, and penalties. 
- Proof that the reporting party has the legal right to report this information. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 3 ), you are required to complete a reinvestigation within 30 days of receiving this request. Please correct or remove all inaccurate, incomplete, or unverifiable information from the credit file associated with my Social Security number. 
In addition, I respectfully request that you remove any inquiries older than 30 days that are not associated with accounts I currently hold.

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 2025-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our Mortgage was transferred ( sold ) to XXXX a couple of years ago. In XXXX of XXXX we received a letter stating that our property was in XXXX XXXX XXXX and that we were required to purchase flood insurance. XXXX shows our property as XXXX XXXX XXXX and not in a XXXX. I have sent documentation numerous times with the information showing our property was not in XXXX XXXX but XXXX XXXX  and that we have been in this house for 20 years and have never been required to purchase flood insurance. They acknowledged the flood zone was wrong but then said XXXX of XXXX required it. Our house was built in XXXX, and the ACT does not require it and we are not eligible per the ACT of XXXX. This has been going on since XX/XX/XXXX. We then received a letter from them stating that we had 45 days to purchase flood insurance, or they would purchase for us at {$7600.00}, even after all the documentation I sent them stating we were not required to purchase flood insurance. We have been communicating with our city office as there are many homeowners in our area with the same issue. I have called customer service and the insurance department at MrCooper numerous times and continue to get the run around. I believe that MrCooper Mortgage must be getting a commission from XXXX XXXX XXXX when they purchase the flood insurance for home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
To XXXX XXXX, I am writing to formally dispute the unauthorized reinsertion of accounts previously deleted from my credit report. This action violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and Metro 2 compliance guidelines. The accounts in question are : These accounts were previously investigated and deleted due to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts from my credit file, yet they have reappeared on my consumer file without proper notification or compliance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 a victim of identity theft. XXXXXXXX XXXX XXXXXXXX I is reporting a {$55.00} collection account for XXXX XXXX that I did not authorize or open. Although the account is marked as paid, it should not appear on my credit report at all. I discovered this in XX/XX/year> while reviewing my Experian file. I have submitted an official FTC Identity Theft Report ( # XXXX ), which identifies this account as fraudulent. 

This reporting violates 15 USC 1681b ( lack of permissible purpose ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which requires exclusion of identity theft accounts from consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems is reporting a collection account on my credit report for an apartment lease that was terminated unfairly. In XX/XX/year>2019, my car was vandalized while parked at the property, and shortly after, I received a notice to vacate from the leasing office claiming I posed a danger to the community. 

I have provided a police report documenting the vandalism incident, which had nothing to do with my actions. I was never legally evicted. I moved out voluntarily, and the leasing company has since ceased operations, making it impossible to resolve this matter directly with them.

National Credit Systems purchased this alleged debt from a poorly rated and now-defunct leasing company. I have disputed the debt multiple times and formally requested validation under the Fair Debt Collection Practices Act ( FDCPA ), asking for : A copy of the original lease agreement, The notice to vacate, An itemized list of charges. 

They have only provided the itemized list of charges. No lease, no notice to vacate, and no legal documentation verifying the debt have been furnished. Despite this, they continue to report this debt, which is harming my credit profile and has directly affected my ability to secure housing. I have even experienced homelessness due to this unverifiable item on my report. 

This continued reporting of an unvalidated debt violates the Fair Credit Reporting Act ( FCRA ) and FDCPA, especially since I can not dispute this with the original creditor they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
According to the FCRA Section 605B it is illegal to report information on my credit report without my permission. Please Remove From My Credit Report/File. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full dscharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

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 2025-05-17 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: NC

Complaint narrative:
I am writing to formally dispute my federal XXXX XXXX  and request a full dscharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect XXXX  records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my XXXX XXXX debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My XXXXt were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a XXXX  borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

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