vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I found several issues with how this account is being reported : 1. The account was charged off approximately 60 days after delinquency, well before the standard 180-day period typically required under federal banking guidelines, according to the Office of the Comptroller of the Currency ( XXXX XXXX XXXX ) and FDIC XXXXXXXX XXXX XXXX Classification and Account Management Policy, open-end credit accounts must not be charged off before 180 days of delinquency. Empower Finance/FinWise charged off my account significantly earlier, which constitutes a violation of federal banking standards and caused undue harm to my credit profile.

2. The account reflects multiple inconsistent charge-off dates across several months, creating a misleading impression of repeated defaults. Last payment was on XX/XX/XXXX in the amount of {$130.00} which would mean that past due dates are also incorrect. These dates are different on all XXXX credit reporting agencies XXXX. There are inconsistencies between the reported balance update date ( XX/XX/XXXX ) and the charge-off status ( XX/XX/XXXX ), further confusing the reporting timeline. 
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to have only accurate, complete, and non-misleading information reported. Empower Finance/FinWises reporting practices violate this protection.

I have disputed the account with Experian and attempted to resolve it directly with Empower Finance/FinWise without success. I am requesting CFPBs assistance to : Investigate Empower Finance/FinWises reporting practices ; Require them to provide proper verification of the account ; Correct or delete the inaccurate information if verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XX/XX/24 I was sent a bill from Affirm about a payment for a phone. I emailed back stating it was not mine I didnt purchase it. I tried to report it as fraud on my XXXX  account ( bc thats were the loan originated ) but they did not show the purchase. I thought it was taken care of until this year when I need to upgrade my phone I cant bc there was a loan charged off in my name? I reached out to Affirm and XXXX. XXXX  would like to cancel the loan but its not under my name so they cant. XXXX  admits it was probably fraud. Affirm has refused to admit its fraud bc the have an electronic contract ( which just means whoever did this was able to sign for it ) however they have refused to give me any delivery information. They are XXXX  I tried to talk to XXXX the supervisor and he would not help or transfer me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: OH

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX  Will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX XXXX : Account XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Direct Dispute Request for Deletion of Inaccurate Account Information Dear Experian Disputes Department, I am writing to formally dispute the inaccurate and unauthorized accounts that have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c2 ( Identity theft and blocking of fraudulent information ), 15 U.S.C. 1681b ( Permissible purposes for access to consumer reports ), 15 U.S.C. 1681d ( Disclosure of investigative consumer reports ), 15 U.S.C. 1681e ( Compliance procedures ), 15 U.S.C. 1681g ( Disclosures to consumers ), 15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ), 15 U.S.C. 1681c-1 ( Identity theft prevention ; fraud alerts and active duty alerts ), and 15 U.S.C. 1681h ( Conditions and form of disclosure to consumers ), I am requesting immediate investigation and deletion of the following accounts : Accounts to Be Investigated and Removed : 1. XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX Upon reviewing my credit file, I have determined that these accounts contain inaccurate, unverifiable, and/or unauthorized information.

I formally request : 1. A thorough reinvestigation of each listed account in compliance with 1681e.

2. Full validation and verification documentation, including signed contracts, complete payment histories, and evidence of permissible purpose for collection under 1681b and 1681g.

3. Cessation of reporting the accounts to any consumer reporting agencies during the investigation as outlined under 1681c2.

4. Deletion of any account that can not be verified under the FCRA within 30 days.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other regulatory agencies. I also reserve my right to pursue legal action.

Please forward all written responses and documentation to the mailing address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( Last 4 Digits ) : XXXX Date of Birth : 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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine i have repeatedly tried to rectify this i demand that they are deleted according to FCRA law 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi there! It looks like Venmo closed my account for no reason. Ive had people trying to attack my small business so I think this has something to do with that issue. Venmo has given me no reason or a way to get my account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and its agent Resurgent Capital Services L.P. for their unlawful credit reporting and failure to cease communications as required by federal law. 

I have never owed any debt to LVNV Funding LLC. 
I have never given LVNV Funding LLC or Resurgent Capital Services L.P. written permission or authorization to report my personal information to any consumer credit reporting agency. 

I recently sent a formal Cease and Desist Letter to LVNV Funding LLC, expressly stating the following : I do not owe your company any money and I will not pay your company any money. 

You must immediately cease any and all collection activities, including but not limited to any credit reporting to any consumer reporting agency bearing my name. 

Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer sends a written notice to a debt collector refusing to pay and requesting no further communication, the debt collector must cease all communications, including indirect communications like credit reporting. I formally request that you provide the specific legal basis for your company to continue reporting on my consumer credit reports. Please be advised that any reference to company policy, billing practices, or preferred methods of payment is not a valid legal justification. 

However, despite this clear notice, LVNV Funding LLC continues to improperly report inaccurate and unauthorized information on my XXXX XXXX XXXX XXXX credit files. 
This conduct is a direct violation of 15 U.S.C. 1692c ( c ) and a serious invasion of my privacy rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
After reviewing my credit reports, I noticed that you are alleging accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report.

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 2025-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After reviewing my credit reports, I noticed that you are alleging accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are not mine i have repeatedly tried to rectify this i demand that they are deleted according to FCRA law 15 USC 1681

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 2025-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
On XXXX of XXXX  I returned back a car because I lost my job and could not make the payments. My loan was extremely high and for the first two years I could pay it until XXXX hit. The car was then resold and the remaining balance was {$8900.00} after the car was sold. The bank that gave me the loan is now trying to sue for the {$8900.00} plus fees. Now they are trying to garnish my wages at {$210.00} per week. After taxes my pay checks are normally {$1400.00} every XXXX weeks. That would leave me with only {$960.00} every XXXX weeks. I have a XXXX XXXX XXXX son that is dependent on me and this will end up having me homeless. The car has been resold since XXXX of XXXX  only 2 months after I returned it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Late Payments on Credit Report XXXX  Account To Whom It May Concern : I am submitting this complaint regarding the inaccurate reporting of XXXX late payments by XXXX on my credit reports maintained by XXXX, XXXX, and TransUnion. 

The late payments in question are being reported as 30 days late for XX/XX/year> and XX/XX/year>. I have filed proper disputes regarding this inaccurate information both with the credit reporting agencies and directly with the creditor, XXXX. Despite following the correct dispute process and allowing the appropriate time for investigation, the late payments remain on my credit reports without correction. 

This continued reporting of inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies and to correct and update any information they determine to be incomplete or inaccurate.

The inaccurate reporting is causing me significant harm, including negatively affecting my credit standing. I respectfully request that the CFPB intervene in this matter to ensure that XXXX and the credit reporting agencies correct or delete the inaccurate late payment entries from my credit file.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Late Payments on Credit Report XXXX  Account To Whom It May Concern : I am submitting this complaint regarding the inaccurate reporting of XXXX late payments by XXXX on my credit reports maintained by XXXX, Experian, and XXXX. 

The late payments in question are being reported as 30 days late for XX/XX/year> and XX/XX/year>. I have filed proper disputes regarding this inaccurate information both with the credit reporting agencies and directly with the creditor, XXXX. Despite following the correct dispute process and allowing the appropriate time for investigation, the late payments remain on my credit reports without correction. 

This continued reporting of inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies and to correct and update any information they determine to be incomplete or inaccurate.

The inaccurate reporting is causing me significant harm, including negatively affecting my credit standing. I respectfully request that the CFPB intervene in this matter to ensure that XXXX and the credit reporting agencies correct or delete the inaccurate late payment entries from my credit file.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Due to identity theft, Bank of America and XXXX got frauded, loans without my permission were taken out for unknown reasons. I have tried to reach both companies with Police report and they refuse to delete those accounts. 


Later, I disputed on experian. They ended up deleting these accounts and 2 months later these accounts were reported back on my credit report. XXXX  says they cant delete them because the companies keep reporting.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX TransUnion XXXX XXXX Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Account Name XXXX XXXX Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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