vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, Experian, XXXX  Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX  ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a XXXXXXXX amount {$880.00}, {$590.00}, {$380.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

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 2025-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I have applied for mortgage assistance XXXX times this year. Applications have been denied for trivial issues ( e.g., unchecked box ) without any opportunity to cure. 

The servicer has failed to acknowledge some applications at all there has been no written receipt within XXXX XXXX  as required by RESPA. 

I was unemployed for XXXX XXXX  and have no XXXX, but XXXX continues XXXX demand XXXX that do not exist, rather than accept my explanation. 

I believe XXXX is intentionally stalling and manufacturing denials to push me toward foreclosure. 

This is an FHA loan and I am entitled to evaluation under HUD loss mitigation guidelines. 

Most recently after denying my numerous applications for frivolous reasons and not accepting my follow-up documentation to fix errors they have since sent me XXXX notices dated XX/XX/year> and XX/XX/year> stating the following : " XXXX Mortgage, XXXX powered XXXX Carrington Mortgage Services , LLC ( Movement Mortgage powered by XXXX ) has canceled your request for mortgage assistance or will not consider your request due to the following : A foreclosure sale date is scheduled within XXXX calendar days of recieving your application. '' Applied for Mortgage Assistance on XX/XX/year> sent follow-up docs on XX/XX/year> XX/XX/year> sent follow-up docs on XX/XX/year> XX/XX/year> sent follow-up docs on XX/XX/year> XX/XX/year> sent follow-up docs on XX/XX/year> XX/XX/year> sent follow-up docs on XX/XX/year> XX/XX/year> sent follow-up docs on XX/XX/year> XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom it May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$6900.00} PORTFOLIO RECOV ASSOC, XXXX, This is a violation of the FCRA and is also in violation of requisite XXXX XXXX  Compliant reporting. According to 15 USC 1692c you have violated my rights in lawful communications.

standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and are required to remove any information that is not true, accurate, and verifiable. 

Please remove this inaccurate account information IMMEDIATELY from my credit report and send in the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standards as well as this account removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
After checking my credit report I noticed inaccurate information on XXXX ( XXXX  ). Per the FRCA, it is my right to have a fair and accurate 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 2025-09-07 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: UT

Complaint narrative:
I tried to log in approximately the first week of XX/XX/XXXX because I had received a text for a late payment and I wasnt sure what it was talking about. When I put in my phone number and logged in, it did not log in to my account it logged in to my wifes account. She tried logging in to her account with her phone number and it said that wasnt her phone number and to update it, so she updated it back to her phone number and it logged her in to her account. However when went into the settings my email was then in her personal email not her own. It would not let her change it back to hers, yet she was still receiving the payment confirmation to her email. So I then tried to log in again with my phone number and it again logged me into my wifes account, with my phone number and email in her settings again but her name. I logged out tried to update my own account via the options the website gave me, using my social and it still logged me back into my wifes account. I have not been able to access any of the loans I had and I also do not know what is accurate. On XX/XX/XXXX I contacted customer service and explained what happened, the person I spoke to said theres no loans under my name, but yet I was having payments come out of my bank that I didnt authorize, he then came back and said he can see XXXX that is late and asked if I wanted to pay it, I agreed to pay it XXXX time then I wouldnt until they can get me access to my account and tell me what loans are actually mine and coming out of my bank account. They said they escalated it and I would hear from a XXXX in a few days, almost XXXX weeks went by so I contacted them again on XX/XX/XXXX and they said the same thing. On XX/XX/XXXX my wife then messaged them from her account and they replied to my email asking for the information for my account clearly yet again not understanding that the information for my account is logging me into my wifes account. My information being put on someone elses account whether its my wifes or not, without my permission is fraud. Not being able to access the loans that were in my name, being charged for loans that they are saying I dont have but they cant get access to tell me is also fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Current balance $ XXXX {$310.00} identity theft and wire fraud credits= {$170.00}. These are an identity theft and wire fraud issues created by Capital One and are not to be on my credit reports at all. Remove at once off all CRA 's. What is the lowest amount of money XXXX XXXX XXXX XXXX will accept to resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I need these collections that affect my credit to be removed

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need these collections that affect my credit to be removed

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 2025-09-08 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: FL

Complaint narrative:
This is a follow up regarding to the recent investigation accounts listed on my credit report. I do not agree with your findings and must insist on complete accuracy. It is my belief that sufficient efforts were not made to properly contact the creditors reporting this information. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, which requires direct verification with the creditor or furnisher. Without full and verifiable evidence, the continued reporting of these accounts is inaccurate and harmful.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing XXXX separate credit card accounts from XXXX XXXX Bank, both of which were placed with XXXX XXXX XXXX XXXX for collection. 



The accounts are : Account ending in XXXX XXXX {$1000.00}, original limit {$820.00}, opened XX/XX/XXXX. 

Account ending in XXXX XXXX {$1100.00}, original limit {$900.00}, opened XX/XX/XXXX. 



On XX/XX/XXXX, I mailed certified disputes to XXXX Technologies for both accounts. The certified mail was returned undelivered ( proof attached ). Despite this, XXXX has continued to email me multiple collection demands for both accounts throughout XXXX, XXXX, and XX/XX/XXXX. 



This violates the FDCPA 809 ( b ), because they are attempting to collect without properly validating the debt and are pursuing collection during an active dispute.

Furthermore, XXXX  and TransUnion continue to report both accounts with derogatory charge-off statuses and conflicting balances : XXXX account is showing charge-off with {$1000.00} past due, the other charge-off with {$1100.00} past due. 

Both show re-aged payment histories and inconsistent remarks ( profit and loss write-off, meets FCRA requirements, account in dispute ). 
Requested Relief : These updates were made after my certified disputes, yet no mailed validation was ever provided. 



This is a violation of the FCRA 623 and 611, which require accurate reporting and a proper reinvestigation of consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX order placed with XXXX for XXXX order shipped by XXXX XXXX order received by me XXXX refund requested for order because items are cheap quality and didn't match the advertising. The store has a 14 day return policyXXXX  no response from merchant and followed up via email\nXXXX store responded asking for pictures even though they had a 14 day return policyXXXX store responded stating to cancel my XXXX  dispute and promised to provide XXXX refundXXXX XXXX  dispute closed on my behalf thinking the merchant would act in good faith in providing me a refund and I agreed. No response from the merchant after.XXXX merchant offered a gift card of XXXX but they never sent it and claimed they did. They stated they wanted to avoid international shipping returns and confirmed I may keep the item. XXXX merchant offered a XXXX gift card. And claimed they resent it. XXXX dispute opened with capitol one as dispute was closed with XXXX thinking merchant would follow through. Fearing no response from the seller a case was opened with capitol oneXXXX I confirmed no gift card was sent by the seller. And stated due to the lack of responses that I would only accept a XXXX gift card and proof of confirmation. They agreed if I closed all cases and disputes. I agreed, still believing in merchants' good will and openness to resolve refundsXXXX confirmed with merchant all disputes were closedXXXX no response still from merchant\XXXX merchant stated they received no notice of cases closing and asked me to call the bank again and they would immediately send a XXXX gift card.XXXX I confirmed there are no open cases with capital one or XXXX asked merchant for update since no responseXXXX  asked merchant for update since no responseXXXX no response from merchant I stated i will reopen a case with my bank.XXXX no response still from merchant.XXXX attempted to reopen a second case with capital one. I provided them with all the communication and issues as outlined here. They end up closing my case since too much time has elapsed even though I requested a second review due to the circumstances and promises made by the merchant. XXXX still no response from merchant. Capital one refused to assist me further. At this point I want a full refund of my order based on the hardships and stress caused by this merchant XXXX XXXX failing to deliver on their refund policies and services. And especially for CapitalOne refusing to assist on a complicated case."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
After telling XXXX XXXX XXXX BANK in XXXX NEBRASKA to delete and cease my application on XX/XX/XXXX. They ran my credit again anyways after I told them I was going with another bank on XX/XX/XXXX which caused my scores with transunion to go down XXXX XXXX and XXXX XXXX with experian I believe they did this maliciously because I chose another bank that was far easier to work with. As I was pre-approved almost immediately and then to be approved with XXXX before this and now unless they remove all their inquiries from my XXXX reports and put my points back with the XXXX bureaus I dont know that I will qualify for my house now, I had to spend XXXX dollars to pay down my credit cards more to hopefully boost my scores quickly XXXX by tomorrow. And The Vice president of mortgages at XXXX XXXX XXXX BANKS response was first " Well I didn't see that because I dont hang out in the portal " ( app ) ( maybe you should it being your job and all ) then it was ooops I'm sorry I've been under the weather. They single handedly possibly ruined my chances of getting any sort of XXXX through XXXX XXXX or XXXX XXXX XXXX because they were unprofessional unethical and just plain acting like a child would or plain not doing their jobs. As others have said on their reviews..

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 2025-09-07 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: Colony Brands, Inc.
State: NY

Complaint narrative:
i pulled my Equifax credit report and i noticed that Montgomery Wards had pulled my report on XX/XX/year> without my permission and they have not met the requirements under the FCRA to gain access to my credit report. If Montgomery Wards is claiming to be a servicer, please provide proof. If they are claiming to be a servicer of a creditor they claim that i owe, provide me with the contract giving them the rights to act as an assignee to collect the alleged debt. i have never had any account with any company bearing the name listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
There are several inaccurate accounts and collections on my credit 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 2025-09-07 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:
I discovered fraudulent accounts on my credit report that do not belong to me. My information was compromised in the XXXX  data breach, and ever since, Ive been dealing with the damage. These accounts are hurting my credit and making it harder for me to move forward financially. Despite providing proof of identity theft, the accounts remain.

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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
In XX/XX/2024, I financed a {$4500.00} XXXX purchase from XXXX XXXX through Affirm ( Loan ID : XXXX ) at 31.47 % XXXX. I returned the mattress in full, and XXXX refunded Affirm on XX/XX/2024. Affirm stopped charging interest after the return, but they refused to refund the {$790.00} in interest I had already paid before the refund posted. 

Affirms written response stated that payments made before the return/cancellation date are not eligible for an interest refund. This means Affirm kept finance charges even though the underlying purchase was canceled. I believe this is unfair, because no consumer should be required to pay interest on merchandise that was fully returned. 

I am requesting a refund of the {$790.00} in interest, confirmation that my loan balance is {$0.00}, and assurance that my credit report will not be negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I received a {$10000.00} transfer from my cousin into my Citi business account. 

Prior to that, I initiated a {$22000.00} wire transfer from my own XXXX XXXX XXXX XXXX personal savings account into my Citi savings account.

After that, I wired funds to my verified XXXX account for personal trading. On XX/XX/year>, XXXX credited me back {$21000.00}, which I transferred into my Citi savings account. I then attempted to wire {$10000.00} to XXXX, another regulated exchange, but Citi froze the transaction and restricted my entire account, disabling my debit card and online access. 

I contacted Citi multiple times and was told access would be restored within hours, but it was not. Instead, on XX/XX/year>, after traveling to a Citi branch as instructed, I was informed my account was being closed. The branch manager told me a closing check would arrive within two weeks.

Over the following weeks, I received conflicting information from Citi representatives, with some saying I would receive my check in 2 weeks and others saying 3060 days. On XX/XX/year>, I was told my business account was closed, and on XX/XX/year>, I was told my personal account was closed, with a closing check of $ XXXX to arrive by XX/XX/year>. 

Later, Citi informed me that no funds were owed to me because all funds were returned to the sender. This is inaccurate. The {$22000.00} I wired from my own XXXX XXXX XXXX account into Citi was my money, not a third-party transfer, and it has not been returned to my XXXX XXXX XXXX  account. In addition, {$10000.00} was moved from my Citi business account into my Citi personal account, which also can not be returned to sender since both accounts belonged to me. 

To date, I have not received a closing check, nor a proper accounting of where my funds went. Citi has provided contradictory explanations and has failed to explain what happened to the deposits I made from my own accounts. 

This has caused significant financial hardship, including difficulty paying for medications and daily expenses. I am seeking immediate resolution, a full reconciliation of all returned funds, and the release of the money that rightfully belongs 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