vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have received multiple harassing visits from a person claiming to be a process server on behalf of XXXX. Beginning date of XX/XX/year> This person entered my secured building without permission on several occasions and questioned my neighbors. The alleged processor also questioned a minor after repeatedly knocking on their door -multiple days in a row. When parent was home at another attempt, she threatened to call the police on him for repeatedly knocking on her door and questioning her XXXX XXXX XXXX son when he was home alone. The child is now fearful to leave out of his door alone. The incident with the child happened on XX/XX/year>. On XX/XX/year>, the neighbor told him to stop knocking on her door and he has come to her apartment looking for me on XXXX occasions. He told her that you live across the hall and I know you know him. She said again, do not come to my door again. He then said if you dont tell me, I will go to the office and ask them. 
On XX/XX/year>, a different alleged processor entered the secured building without permission and continued to call and pound hard on the door. He then attempted to open our door. My wife called the number back and asked who he was and why he attempted to open the door. My wife was scared as she was home alone and this person was aggressive and intimidating as well. 
I have not received proper service of any legal documents and I dispute the validity of the debt. 
I have attempted to dispute this debt but it is incorrectly marked as valid on my credit report. 
I am requesting an investigation and removal of the debt entry due to the improper and aggressive conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-01 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:
XX/XX/XXXX None of these addresses was ever tied to my name. I have updated my address to the current one which I've been here over XXXX  years with all credit bureaus. Remove these illegal accounts not tied to me under FCRA and FTC Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} TMOB/Fortiva Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$390.00} Portfolio Recovery Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$700.00} * * Inquiries * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Balance {$42.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$410.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX Date 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MO

Complaint narrative:
I have asked them to take these off my report but yet they still remain I have informed them that I have never given anyone permission to put anything on my report plus under 15 usc 1681 they must remove these things I have been a part of every data breach by every credit reporting agency and yet they still do nothing about it well I have filed a report with the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have asked them to take these off my report but yet they still remain I have informed them that I have never given anyone permission to put anything on my report plus under 15 usc 1681 they must remove these things I have been a part of every data breach by every credit reporting agency and yet they still do nothing about it well I have filed a report with the ftc

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I look at my report back on XX/XX/XXXX and noticed something are incomplete and not accurate. And according to the fair credit report act it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts { XXXX XXXX XXXX } { XXXX XXXX } { united consumer finance XXXX } XXXX XXXX } are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I sent a letter asking them to make sure everything is complete and accurate and is my tracking number They sent me investigation and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681 ; 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of information from the file of the consumer or modify that item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ; ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( ; ; ; ) by no later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-05-01 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 hope this message finds you well. I am reaching out today to follow up on a letter I sent on XX/XX/XXXX, regarding certain fraudulent items present on my credit report. As per the Fair Credit Reporting Act, specifically under section 15 USC 1681, I am well within the legally stipulated timeframe to address these discrepancies. I am earnestly requesting your assistance in promptly removing these erroneous entries from my credit report. I believe rectifying these inaccuracies is crucial in ensuring the integrity and fairness of my credit profile. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
This company sent a debt collection on my credit report, but they never verified the information or sent me a verification letter. This company never sent over any information about the debt and what the debt is for, such as an itemized bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Remitly, Inc.

Complaint narrative:
Dear team I inform you I complained remitly customer service because I use my profile and send money some days ago but my receipt bank account never receive any amount from remitly I contact you but they confirm I never receive any amount and I already submitted my receipt bank statement show never receive any amount from remitly and your agent confirm never receive but after confirm your agent close chat and my profile suspend and never resolve my problem I will share my receipt bank account statement so please review and solve issue now and issue refund now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Date : XXXX To Whom It May Concern : Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I have proof of the account 's previous removal, including briefly describe the proof, e.g., " a letter from your bureau confirming the account was deleted '' or " a prior credit report showing the account was not listed. 
Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days and you must delete the item from my file immediately. 
XXXX. XXXX XXXX Account Number : XXXX Please REMOVE Immediately 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
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Breach - Personal Information was impacted by this incident/ events. Requesting Restoration & identify victim compensation for many losses over this large period of time. Identify theft case Equifax settlement # XXXX Reported with XXXX XXXX state attorney general/ State police report /Identity Theft Affidavit XXXX Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I am submitting a complaint regarding a loan I took out through Affirm , Inc for a purchase from XXXX. The total loan was {$3300.00}, which I understood to include both the product price and financing costs. I have since paid back the full principal, and the remaining balance is over {$1000.00} in interest. 

Due to ongoing financial hardship, I contacted Affirm several times in XX/XX/year>, including directly via their help center and through a BBB complaint. I requested a hardship review, explained that I had already paid the original loan amount, and offered a {$300.00} settlement to resolve the interest balance in good faith. I also stated I was open to providing financial documentation. 

Instead of engaging meaningfully, Affirm repeatedly responded with templated messages and restated contract language. I was redirected to call their general customer support line, where I received no resolution. Even when my case was escalated to a supervisor, I received another copy-paste response stating that they were " unable to change or adjust the terms of a loan. '' At the time of my request, I was : Repaying a {$14000.00} XXXX XXXX loan Paying $ XXXX on a car note Managing a student loan Living with family to reduce costs due to hardship Supporting my husband, who works part-time after being laid off from his full-time job My goal was not to avoid responsibility, but to find a reasonable and human resolution under financial stress. I was met with policy walls and no actual review. I am requesting that Affirm reconsider my settlement offer or provide a true hardship resolution process. 
This is with : Affirm , Inc . 
XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
New business banking accounts with AXOS bank. I've tried to fund the account two different ways unsuccessfully including writing myself a check from another bank account. Those funds left my pre existing bank account and are still not reflected in my AXOS account 10 days later. Conflicting information from AXOS customer service. 

Customer service scheduled phone calls that they then never executed. This problem was escalated, apologies were made for their continued failures but the problem was never solved. 

I don't write reviews or complaints often but am doing so now. Stay away from AXOS bank at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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