vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
Im not involved with these accounts ; they need to be taken off in XXXX  days as per USC 1681g.

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 2025-08-21 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: FL

Complaint narrative:
Inaccurate account statuses, inconsistencies of reporting of account, incorrect balances

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I am a victim of identity theft, and my credit report contains accounts and inquiries I did not authorize. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed, with written confirmation once the corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 do not recognize these accounts ; please remove them within XXXX  days pursuant to USC 1681g.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I find that someone stole my identity, I started receiving collections notice to my address from more than one company, I when to the police department near to my house and place a report on XX/XX/XXXX, a few months later XX/XX/XXXX I went to court for a trial and my lawyer was able to prove that I was victim of fraud, today XX/XX/XXXX I was contacted for a company under name XXXX XXXX XXXX a company that never hear about before saying that they are a third party company trying to collect a debt for Barclays Bank Delawa for the amount of XXXX I ask then to provide proof of me owning them money, they provide a name thats not my name, I explain financial recovery service my situation that during the time period that this account was opened I was victim of fraud and provide then documentation such as police report, court records that Im going to attach in this statement.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a paycheck deposit into my new account with Regions Bank in XXXX XXXX Missouri it was a new account so it had a 10 day hold on the check but during that period they closed my count without communicating with me about it and now I have the check and {$40.00} unaccounted for. Regions would not return the check to the bank that issued it and the bank that issued it claimed that regions must return it. This paycheck had a significant amount of overtime on it due to covering my rent and security deposit for apartment but now sense they wont release the check or return it I am facing homelessness with two kids.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-21 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: TX

Complaint narrative:
Upon a thorough review of my recent credit report, I identified significant discrepancies and inaccuracies concerning the reporting of the following account, which do not accurately reflect my true payment history or account status. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} I request that the credit bureau conduct a reasonable reinvestigation and provide documented verification of the account true payment history, status, and balance owed. If the creditor or bureau can not provide clear and verifiable documentation supporting the reported late status, then the inaccurate or unverifiable reporting must be corrected immediately in compliance with the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Upon a thorough review of my recent credit report, I identified significant discrepancies and inaccuracies concerning the reporting of the following account, which do not accurately reflect my true payment history or account status. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} I request that the credit bureau conduct a reasonable reinvestigation and provide documented verification of the account true payment history, status, and balance owed. If the creditor or bureau can not provide clear and verifiable documentation supporting the reported late status, then the inaccurate or unverifiable reporting must be corrected immediately in compliance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
Initial contact with PennyMac started in XXXXXXXX XXXX due to hardship request options on my FHA insured mortgage loan. At that time I was told I was not late enough to qualify for any loss mitigation options. I called back when I was 30 days delinquent ( as instructed ) and submitted multiple reviews - both in writing and on multiple phone calls due to a temporary financial strain and upcoming medical leave scheduled for XXXX. I provided a complete monthly budget, in debt information on hardships but was denied for every FHA option, including forbearance and Standalone Partial Claim. The stated reasons were that I am not yet 90 days delinquent and that my net cash flow is sufficient. 

These conclusions do not appear to reflect a full and accurate review of my financial situation. PennyMac did not account for essential FHA-considered expenses such as credit card minimum payments, groceries, medical bills, utilities, transportation, or school-related costs. I also received no explanation of why my repayment plan exceeded limits, and no opportunity to restructure it within FHA guidelines. 

I have contacted PennyMac repeatedly through their online portal and submitted all required documentation. Despite these efforts and despite the HUD XXXX XXXX XXXX contacting PennyMac directly on my behalf I have not been contacted by a supervisor, as requested multiple times by both HUD and myself. Instead, I have only repeatedly received calls from the collections department, which are not helpful and do not address the actual hardship request. 

I also received a formal letter stating that foreclosure could begin if payment is not received by XX/XX/XXXX. This is extremely distressing, especially given that my hardship is temporary and medically documented. I am not unemployed, but I will begin short-term XXXX in XXXX for XXXX, during which time my income will be significantly reduced. My intent is to resume full payments after recovery. 

I am concerned that I am being denied access to a fair and proper FHA hardship review in my repeated attempts to request a forbearance and I am unsure whether I will be given a chance to reapply at the 90-day mark ( XX/XX/XXXX ), when I am told eligibility should be reassessed. I am trying in good faith to avoid foreclosure and maintain homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME : XXXX ACCOUNT # XXXX NAME : XXXX XXXX ACCOUNT # XXXX NAME : XXXX XXXX ACCOUNT # XXXX NAME : XXXX  ACCOUNT # XXXX NAME : XXXX  ACCOUNT # XXXX XXXX NAME : XXXX DATE XXXX XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX XXXX DATE XX/XX/XXXX NAME : XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX  DATE XXXX XX/XX/XXXX NAME : XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX  XXXX  DATE : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-21 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME : XXXX ACCOUNT # XXXX NAME : XXXX XXXX ACCOUNT # XXXX NAME : XXXX XXXX ACCOUNT # XXXX NAME : XXXX  ACCOUNT # XXXX NAME : XXXX  ACCOUNT # XXXX XXXX NAME : XXXX DATE XXXX XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX XXXX DATE XX/XX/XXXX NAME : XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX  DATE XXXX XX/XX/XXXX NAME : XXXX XXXX DATE : XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX XXXX  DATE : XX/XX/XXXX NAME : XXXX  XXXX  DATE : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Im filing about two related Affirm installment loans tied to the same merchant order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; dispute intake XX/XX/year> ; Affirm shows {$220.00} Overdue XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX ( otheXXXX XXXX XXXX  ; separate dispute ). 

We opened disputes because the order was incomplete and the merchant refused to cancel. Separately, we opened XXXX XXXX XXXXXXXX claims ( XXXX and XXXX ) and placed ACH stop-payment on all Affirm pulls pending resolution. 

Evidence we provided to Affirm : XX/XX/year> merchant email ( XXXX ) acknowledging the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was NOT delivered and offering a refund. 
XX/XX/year>XXXX XXXX  manufacturer email confirming all XXXXXXXX XXXX XXXX XXXXXXXX ) are standard catalog itemsnot custom/XXXX 
Screenshots of XXXX product pages showing normal SKUs and add to cart. 
Timeline, invoices, and communications. 

Despite this, Affirm sent canned responses, closed the dispute in favor of the merchant, and the app blocks re-opening while still showing Overdue and payment prompts. Customer-care emails also threatened credit furnishing after 30 days late even though the account is actively disputed. 

Affirm is failing to ( 1 ) investigate reasonably and ( 2 ) furnish accurately while a dispute is pending. Under the FCRA and its furnisher rule ( Reg V, 12 C.F.R. 1022.42 ), a furnisher must conduct a reasonable investigation and report accounts as in dispute. Continuing collection pressure/overdue banners and threatening bureau reporting during an open, evidence-supported dispute is unfair and inaccurate. 

Im asking the CFPB to ensure Affirm stops collection activity, codes the loans as disputed, and investigates using the merchant documents we requested ( carrier tracking, package weight/dimensions, packing list identifying XXXXXXXX XXXX XXXX XXXX and any written delay-consent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Im not sure about this late entry ; could you double-check it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This late entry seems questionablecould you confirm its 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is not reporting the correct credit limit and has not fixed the issue after disputing with TransUnion and the creditor multiple times. My credit limit should be reported as {$4000.00} but has been at XXXX $ since the opening of the account. TransUnion is the only bureau out of the 3 that is reporting this incorrectly

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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